Özet:

Mainstream economic theory, which tries to analyze economic events with mathematical formulas, acts on the assumption that the economy can be analyzed with quantitative methods and axioms in its analyzes centered on the individual. Although such an approach contributes to the literature in terms of simplifying the analysis, ignoring the interaction between psychology and economics causes the theory to weaken. Behavioral economics, which aims to eliminate this deficiency, does not reject mathematical proof, but argues that social, cultural, institutional and psychological factors should be considered in all analyzes involving human relations. Based on the aforementioned requirement, this article examines the insurance sector and natural disaster insurance, which is shaped by consumer behavior, from the perspective of behavioral economics, and in this context, brings political and analytical suggestions for the problem of low demand. Study findings; It has been shown that in order to solve the low demand problem related to natural disaster insurance, it would be beneficial to make compulsory and multi-year insurance contracts of individuals, to prevent access to public services for those who do not have insurance, and to reduce behavioral bias problems by making use of paternalist liberal policies in the form of descriptive social norms.

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