Main Developments in 2019

Agency Trainings

Bringing the “beyond” perspective to the insurance sector, Aksigorta reflected its vision to its agencies, who represent the Company in the field, by organizing training programs in 2019. Aksigorta met with around 200 agencies in the VIP and Elite Plus segments in Ankara, Izmir and Istanbul. Coming together with Hakan Turgut, author of Monetary Intelligence and Educational Games, in cooperation with Bilgi University, Aksigorta agencies participated in trainings on “Customer Focus and Digital Media” and “Futurist Leadership.” The second segment is planned for October with VIP Plus agencies; Aksigorta will continue to support the training of its agencies in 2020.

Belgium Visit

Acting on the principle that agencies – the most prominent distribution channels - gain special importance in line with the customer-oriented approach, Aksigorta visited the Head Office of its Belgian partner Ageas, together with VIP Plus agencies. The June visit was intended to support the development of Aksigorta agencies with the benefit of the new segmentation structure. Thanks to this visit, Aksigorta agencies had an opportunity to discuss the newest trends in the European insurance sector with the top management of Ageas, one of Europe’s largest insurance companies.

Supplementary Health Insurance

As the use of private hospitals becomes more common, Aksigorta provides assurance for coverage of the fee difference paid by customers who want to receive high-quality service without waiting in line at SSI-contracted private hospitals.

With Aksigorta Supplementary Health Insurance, infants older than 15 days and children below 18 years of age can also be included in the coverage. With the product providing discounts of up to 10% for those who desire to be insured as a family, customers are able to receive services in SSI-contracted private hospitals without paying the difference.

Offering two contracted institution options according to need, Supplementary Health Insurance covers surgical and internal hospitalizations for inpatient treatments, intensive care, chemotherapy and dialysis, as well as minor medical intervention, private room and companion expenses. In addition, physical therapy and rehabilitation services, as well as examination, laboratory, imaging and modern diagnosis are available in contracted institutions for outpatient treatment services.

In the absence of coverage, or for other health procedures within the scope of the product - which also provides service advantages at many Aksigorta Contracted Health Institutions at special prices - maternity coverage can also be provided as an option. Aksigorta supports future mothers with 10 routine check-ups and unlimited birth coverage.

Collaboration with Encander

Within the scope of its collaboration with the Association for the Protection of Disabled Pets (Encander), Aksigorta donated to Encander on behalf of all its customers who have a Pati Pet Insurance policy, or who plan to insure their pets for one year. As a result of the cooperation with Encander, which protects animals that require human care, the beloved pets of Aksigorta customers will become “Paw Friends” with one of Encander’s paralyzed, senior or disabled animals, starting from World Animal Day on October 4.

Cyber Protection Insurance

Pushing the limits in the insurance sector with a completely different perspective, Aksigorta offers Cyber Protection Insurance. Designed to protect against sanctions imposed within the scope of data violations and the Law on the Protection of Personal Data, the product provides customers with comprehensive coverage for a range of issues, including cyber blackmail, media liability, business interruption and cybercrimes.

Last year, the number of cybercrimes worldwide doubled compared to 2014, while damages caused by cybercrime in 2021 are expected to reach USD 6 trillion. Cyber Protection Insurance offers coverage against various risks such as illegal electronic transfers from bank accounts, illegal changes to the insured individual’s data, and ransom demands made with the threat of damaging computer systems.

Additionally, Aksigorta assures the loss of gross income caused by a business interruption related to a cybercrime; for example, partial or complete inactivation of the computer systems of the insured, or, optionally, the computer systems of a service provider contracted to the insured. Cyber Protection Insurance also provides assurance for compensation claims and legal fees incurred due to the infringement of copyrights, titles, slogans, trade name or trademarks, as well as reputational damage, or violation of confidentiality rights that may occur from the website or social media accounts of the enterprises.

Digital Transformation with Artificial Intelligence

Aksigorta continues to improve its products and services placing innovation and technology at the heart of its next-generation insurance approach. Accordingly, the Company took major steps to meet the needs of its customers. Integrating artificial intelligence into its business processes as a first in the sector, Aksigorta introduced ADA, an artificial intelligence application, to its website in 2018. By ensuring that customers have 24-hour access to an easy, understandable and accessible insurance experience, Aksigorta aims to become an insurer that stands by its customers, provides solutions and pushes the limits of the insurance business.

A notable feature of ADA is the Image Recognition and Classification Engine. This tool is capable of recognizing and classifying 14 different document types, including driver’s licenses, vehicle licenses, accident reports, invoices, declarations, accident photographs and policies, which constitute 80% of the 400 thousand claim documents submitted to Aksigorta. These documents are added to the relevant claim file with the assistance of robot technology. To date, ADA has processed around 75 thousand e-mails, including 170 thousand documents, and these documents have been processed with a 98.6% success ratio.

At the same time, thanks to ADA, the response time for 680 discount requests, for automobile insurance and fire insurance products, was reduced to two minutes from two hours. As a source of inspiration for international companies, the ADA has been recognized by prestigious institutions such as IDC and Gartner.

Performing three million transactions with ADA for more than 70 processes across eight departments in the last two years, Aksigorta increased its customer satisfaction by three points and enabled employees to focus on more innovative activities by eliminating routine operations from their duties.

Advertising Board to Raise Driver Awareness

Approximately 27% of traffic accidents are caused by human error. As such, Aksigorta has launched a project in Istanbul to help drivers focus. The majority of traffic accidents occur when drivers are distracted: the Aksigorta project aims to create awareness via the placement of a digital advertising board at a crossing in Kasımpaşa where accidents occur frequently. The board features a countdown while the light is red, dimming when the light turns green. In this way, drivers are reminded to concentrate only on the road while at the wheel.