Digitalization and Innovation

Launching a major sustainability project in the field of digital security, Aksigorta prepares society against the risks of the digital world thanks to the Digital Security Platform.

Considering digital data as the most valuable asset of the generation, Aksigorta focuses on the development of next-generation technologies such as big data, advanced data analytics, cybersecurity, industrial IoT, robotic workforce, artificial intelligence and blockchain.

Digital Security Platform

The convenience provided by technology has accelerated the digital transformation process in Turkey, as well as all over the world. However, this situation brought along digital security risks. With 33% more data breaches occurred compared to the previous year, Turkey stands as the fourth country that is most exposed to cyber-attacks. More than 1 million people have suffered from these violations. Aiming to contribute to the development of the society it operates within, Aksigorta performed two separate researches regarding cyber risk/risk awareness, the security approach in this field and the issues experienced. These researches have shown that the meaning of cyber or digital risk is not known and that no measures were taken against them.

Adapting to the ever-changing global conditions with its products and services, Aksigorta aims to carry out activities to raise the awareness of its customers and stakeholders against these emerging risks.

Launching the Digital Security Platform in order to fulfill its social responsibilities and contribute to the society in the new world impacted by technology and digitalization, Aksigorta considers the platform as a “must” in its sustainability approach. Collaborating with Boğaziçi University Lifelong Learning Center and Boğaziçi University Management Information Systems Cybersecurity Center in this regard, Aksigorta launched free online digital security trainings. In addition to the free online trainings prepared with different contents for the target audience (household and SME), Digital Security Platform aims to raise the awareness and knowledge of the society regarding digital risks and to make sure that institutions and individuals are prepared in this regard.

Digital Security Platform covers various subjects such as methods to protect against the risks that individuals and institutions may encounter in the digital world, how safe children are on the internet and the issue to be paid attention when shopping on e-commerce websites.

With the Digital Security Platform is intended to be a platform where equal opportunities are provided for everyone to participate in high-quality digital security learning, the growth is supported by raising the awareness of the business world with regard to cyber-attacks and developing information technologies are contributed in terms of both households and SMEs. Furthermore, Aksigorta aims to establish new collaborations in the education and business world through Boğaziçi University collaboration and SME trainings within the scope of the program, and to lead the way to more partnerships in the field of sustainability and digitalization.

You can access the platform, which is an important reference and source of information on digital security and cyber-attacks, via www.dijitalguvenlikplatformu.aksigorta.com.tr. Workplaces and households are provided with free trainings that are determined according to the needs of the target audience. Trainings are held using Zoom meetings with the participation of 100 people in an interactive way that allows questions to be asked. Until the end of 2020, a total of 4 trainings were organized for workplaces and families. Those who want to participate in the training sessions must register on the website; a short version of the session is also prepared for those who are not able to participate online.

Latest news related to digital security, researches and reports from Turkey and abroad, articles, case studies from all over the world as well as government policies and legislations are among the contents of the website.

With the “Digital Security Platform,” Aksigorta aims to establish new collaborations in the field of sustainability and digitalization.

Fiat Connect Collaboration

In 2020, Aksigorta started the custom policy era with the “Fiat Yol Arkadaşım Connect MOD” project, which is a first in Turkey in the field of motor own damage policies in cooperation with Fiat. Thanks to this technology, the motor own damage insurance fee is calculated taking into account the number of days of use and the driving score of the customer. The drivers using this app enjoy discounts of more than 10% on motor own damage policies depending on the duration of use of the vehicle, other than the driving score calculated by analyzing vehicle usage data. According to the system that performs an analysis before applying any additional cost to the policy, the data in question are evaluated by Aksigorta in the policy renewal period and the MOD policy discounts are determined personally. Therefore, the relative risk cost included in the MOD insurance prices are not applied to drives who drive their vehicles well and the number of days of use is also taken into consideration in the calculation.

A Brand New Digital Sales Channel In Cooperation with Vodafone

Collaborating with Vodafone to make sure that even more people enjoy its services, Aksigorta launched the Telcoinsurance Project and started to integrate into different ecosystems. Within the scope of the project, Vodafone Insurance Agency issues insurance policies with the assurance of Aksigorta. Commencing the sales of DASK (Turkish Catastrophe Insurance Pool/TCIP) products via Vodafone Yanımda mobile app and the sales of Nolur Nolmaz (Just in Case) insurance through Vodafone Call Center, Aksigorta plans to add other products to the portfolio in 2021. Aksigorta developed APIs with the Vodafone Yanımda mobile app in order to initiate and finalize the entire sales process in the digital platform.

In 2020, Aksigorta started the custom policy era with the “Fiat Yol Arkadaşım Connect MOD” project, which is a first in Turkey in the field of motor own damage policies in cooperation with Fiat.
Collaborating with Vodafone, Aksigorta launched the Telcoinsurance Project and started to integrate into different ecosystems.

ADA (Aksigorta Digital Assistant)

Introducing ADA (Aksigorta Digital Assistant), the first artificial intelligence application of the insurance sector, Aksigorta realized 3 million successful transactions in the last two years and managed to increase its customer satisfaction point by 3 in 2020. Completing more than 70 business process in eight different departments, ADA was selected as the “Best Cost Reduction Project of the Year” by IDC.

Digitalizing the insurance experience with the power of technology, Aksigorta directs its employees toward more value-added activities by making use of ADA in defined business processes. Aiming to facilitate instant file tracking of customers in addition to the image recognition technology in claim files with ADA, which reduces the response time of agency requests from 2 hours to 2 minutes, Aksigorta broke new ground in the sector with its WhatsApp Official Business Account. Therefore, Aksigorta customers can achieve rapid solutions with 24-hour access to ADA.

Chat-Fast Solutions

Aksigorta’s ClaimsChat application provides a chat-fast return to the customer in case of claims and a WhatsApp group consisting of an expert, a filing officer, the service and the customer service representative is created by the AI. Transparent and fast communication is ensured with the WhatsApp group created shortly after the claim notice. The customer sends photographs of the damage to the WhatsApp group; then, the claim document is indexed automatically. Afterward, the expert asks customers questions to create the report. The file officer shares claims and payment information with the group. When the process is completed, the AI executes a sentiment analysis of the conversation and sends the data to the CRM system.

Digitalizing the quotation stage with its chatbot app, Aksigorta continues to make all its defined operational services faster and more reliable.

Mobile Applications

Building the insurance system of the future by using the power of technology, Aksigorta aims to make life easier for its customers, employees and agencies, and to provide positive experiences by speeding up the processes with a mobile application such as Aksağlık, Agencies Beyond Club, Aksiyon and Pulse.

Aksigorta’s Aksağlık mobile application, which can be downloaded to iOS and Android compatible smartphones, provides a wide range of services such as night-pharmacies, live support, policy details and contracted institutions. Thanks to this application, Aksigorta customers are able to call an ambulance with a single click in case of emergency, access the address details of contracted health institutions, receive directions and view policy information at any time. With the 2020 updates in the application due to the coronavirus outbreak, the customers are able to follow the pre-approval stages through the application for the examinations they receive at contracted institutions. Also, they can upload the image of the invoice and complete their application to receive payment after they are examined in a non-contracted institution. Eliminating the obligation to send the original invoices issued for health expenses up to TL 20,000, Aksigorta decided to carry out transactions online for its customers who want to have health insurance in this period. The company receives online approvals from the customers in the policy issuance stage rather than original signatures.

Aksiyon mobile application, which is a combination of the most recent CRM, mobile and artificial intelligence technologies, was designed to serve the sales team both in the field and at the office.

Supporting continuous improvement with its instant feedback and rewarding application Aksigorta Pulse, Aksigorta supports the improvement of its agencies and demonstrates togetherness with Agencies Beyond Club.

Artificial Intelligence Technologies

Bringing the concept of artificial intelligence to the Turkish insurance sector, Aksigorta started to carry out risk pricing processes with the support of artificial intelligence, which is a very important development for the end-user. Achieving yet another first in the insurance industry, the Company started to price its entire individual MTPL portfolio through artificial intelligence in 2020 and earned the “Best Business Development Project” award at the IDC CIO Awards. Managing pricing processes with artificial intelligence especially in motor third party liability insurance, which has a very important place in the sector, Aksigorta aims to utilize AI-supported pricing for other products as well in the next year.

Data Analytics

Finalizing its advanced data analytics investments, Aksigorta conducted studies together with Sabancı University and SabancıDx on agency behavior prediction and MOD potential analysis. Establishing a data governance structure within the scope of its research, Aksigorta made sure that data ownership is achieved throughout the company. The data analytics management of the company has also been awarded by the IDC CIO.

Aksigorta broke new ground in the sector with its WhatsApp Official Business Account.
Introducing ADA (Aksigorta Digital Assistant), the first artificial intelligence application of the insurance sector, Aksigorta realized more than 4 million successful transactions in the last two years.