At the end of 2019, the world met a new type of coronavirus and faced a serious pandemic caused by this virus. In many areas of daily life, especially in health, it has been attempted to combat the effects of the pandemic in question. About 500 million people worldwide have been infected with the virus, and about 7 million of them have died. The heavy disease process and the number of infected people negatively affected the health system of the countries. Individuals expected to receive the best service from hospitals during the epidemic period. Of course, the monetary dimension of this service has also reached serious figures. This situation brings us private health insurance as an alternative exit door. The public or additional private health insurance that the individual has makes him/her feel somewhat comfortable. Especially with private health insurance or supplementary health insurance, policyholders feel more secure in such difficult situations. After COVID-19 was seen as the first case in our country on March 10, 2020, diagnosis and treatment services were carried out by public hospitals. Later, private hospitals were declared as pandemic hospitals by the Ministry of Health and started to provide diagnosis and treatment services. Especially in cases where the treatment takes a long time and requires intensive care, the serious financial burden has created a problem for insurance companies and the insured. In this context, this study is aimed to investigate individuals’ perspectives on insurance and private health insurance in Covid-19 times. Data were collected and statistically analyzed through the questionnaire prepared within the scope of the study.

The COVID-19 pandemic, which has affected both human and economic life since the first half of 2020, has significantly affected the insurance sector as well as many sectors in the economy. The impact of this change on the insurance industry has not yet been clarified. In the limited literature, there are claims that this situation may have different consequences on the insurance sector in the short and long term. For this reason, this study measures the economic effects of the COVID-19 pandemic on the insurance industry. In this study, which investigated whether the economic effects of the COVID-19 pandemic on the insurance sector cause different results in the short and long term, it was determined that there exists an asymmetric linkage running from COVID-19 pandemic to the performance of the insurance sector. On the other hand, an increase in the number of cases would not affect the insurance sector neither positive nor negative. Furthermore, findings demonstrate that the COVID-19 pandemic caused significant effects only in the short and medium term by using advanced causality analysis methods.

A new virus and the illness caused by it, first appeared in China at the end of 2019, then quickly spread to the rest of the World and became a pandemic. This pandemic has caused a global crisis in many ways including socially, financially, economically but most importantly a health crisis. This pandemic has not only rattled countries' economies but has also impacted financial markets. Whether this impact is positive or negative, the degree of the impact, which countries has been more and less affected, impact with regards to industry segment, whether there's a difference between the impact on developed nations and developing nations requires further research. With that in mind, selected countries' stock markets have been analyzed and interpreted during the pandemic in this research paper using charts created with datas of COVID-19 and stock market indices. According to the findings it can be stated that with the increase in the number of COVID-19 cases and deaths there have been tremendous drops in the stock markets. It has been observed that indices during COVID-19 show a similar trend with the epidemic in some countries.