Doğa Sigorta

What Doğa Sigorta does

Doğa Sigorta A.Ş. is a privately held Turkish non-life insurance company headquartered in Spine Tower, Maslak, Istanbul, operating since 2013 across six product categories: auto insurance (compulsory traffic, kasko, Green Card), home and SME insurance (DASK earthquake, home package, KOBİ package), health and travel insurance (supplementary health, travel health including epidemic coverage, and a dedicated product for foreign nationals), transit and marine insurance (cargo, carrier liability, CMR, boat/yacht), engineering insurance (construction, electronic equipment, erection, machinery breakdown), and other lines (surety bonds, personal accident, state-supported agriculture). The company distributes through a network of 4,000+ professional agents, three banking partners, insurance brokers, and direct digital channels (online quote platform and mobile application). It positions itself as a 100% domestically-capitalized Turkish insurer and operates a Dr. Doğa digital health portal as an embedded customer-experience layer.

The technology stack is conventional insurance infrastructure: an online quotation and policy issuance platform, a mobile app for policy purchases and claims tracking, a digital damage-reporting system with real-time status updates, and an enterprise-grade data center (NGN Star of Bosphorus, 16MW capacity, N+1 redundancy) hosting core operations. There is no disclosed use of proprietary AI/ML models; automation appears confined to workflow digitization rather than underwriting or claims intelligence. Customer-facing digital touchpoints include the website, mobile app, and the third-party Dr. Doğa health portal.

The revenue model is built on recurring insurance premiums across compulsory and voluntary lines. Pricing is quote-based and product-specific, with public disclosure limited to illustrative TSS pricing (≈550–690 TL annually for İLKSAN teacher members aged 21–45). Distribution commissions to agents, brokers, and bank partners are the principal variable cost; underwriting profit depends on loss ratios across the multi-line book. The primary customer segments are Turkish individuals (vehicle, home, health, travel) and SMEs (package, liability), supplemented by strategic group partnerships (İLKSAN, ~280,000 union members) and institutional/corporate clients served via brokers. The company is preparing for an IPO, with draft prospectus documents already published.

Name

Doğa Sigorta

Legal name

Doga Sigorta A.Ş.

Website

https://dogasigorta.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

101–250 employees

Short description

Doğa Sigorta is a privately held Turkish non-life insurance company offering motor, health, home, transit, engineering, and other insurance products to individuals, SMEs, and group partnerships, distributed through 4,000+ agents, bank channels, and digital platforms in Turkey.

Ownership category

akta.pro rank

Headquarters

HQ city

Maslak

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Motor Insurance: Compulsory traffic insurance and optional comprehensive vehicle coverage (kasko) for automobiles, commercial vehicles, and motorcycles
2. Health Insurance: Supplementary health insurance (TSS), travel health insurance, and foreign nationals health insurance products
3. Property Insurance: Homeowners insurance, DASK (earthquake insurance), business insurance packages for SMEs
4. Engineering Insurance: Construction insurance, electronic equipment coverage, installation insurance, and machinery breakdown policies
5. Transit Insurance: Cargo transit insurance, carrier liability insurance, CMR insurance, boat and yacht insurance
6. Other Insurance Products: Bailment insurance, road passenger liability, miners insurance, third-party liability, employer liability, personal accident, agricultural insurance

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Doğa Sigorta is a multi-line Turkish non-life insurance company underwriting and distributing policies across six core categories: auto insurance (kasko, traffic liability, green card), home and business insurance (home package, SME package, fire, DASK earthquake), health and travel insurance (supplementary health, travel health, foreign nationals health), transit/marine insurance (cargo, carrier liability, CMR, boat/yacht), engineering insurance (construction, electronic equipment, erection, machinery breakdown), and other lines (surety bond, personal accident, agricultural insurance). Policies are sold through a 4,000+ agent network, brokers, bank channels, and direct digital channels (website quote forms and mobile app), supported by online claims processing.

Product overview

Doğa Sigorta is a multi-line insurance company operating across six main product categories: Auto Insurance (Kasko, Traffic Liability, Green Card), Home & Business Insurance (Home Package, SME Package, Business Package, Fire, Glass, Theft, Employer Liability), Health & Travel Insurance (Supplementary Health, Travel Health including epidemics, Foreign Nationals' Health), Transit/Marine Insurance (Cargo, Carrier Liability, CMR, Boat/Yacht), Engineering Insurance (Construction, Electronic Equipment, Erection, Machinery Breakdown), and Other Insurance (Surety Bond, Personal Accident, Agricultural). The company distributes through a network of over 4,000 professional agents, bank channels, brokers, and digital/mobile platforms. The Dr. Doğa platform and mobile app provide digital access to policy management and health services. DASK (mandatory earthquake insurance) is offered as a statutory product. The company positions itself as a 100% domestic-capital Turkish insurer.

Differentiator

Problem solved

Functional benefit

Products and services

• Kasko Sigortası (Comprehensive Auto Insurance) Comprehensive vehicle insurance covering damage to the policyholder's own vehicle from collision, fire, theft, and other sudden external events. Offers optional assistance services including road assistance, substitute vehicle, and mini-repair.
• Trafik Sigortası (Mandatory Third-Party Liability Insurance) Mandatory motor liability insurance covering bodily injury and property damage caused to third parties by the insured vehicle. Required by law for all registered vehicles in Turkey.
• Yeşil Kart Sigortası (Green Card Insurance) International motor liability insurance enabling vehicle use abroad, covering damages in accordance with the laws of the visited country.
• Doğa Konut Paket Sigorta Poliçesi (Home Package Insurance) Package home insurance covering the policyholder's residence against fire, water damage, theft, and other risks. Includes coverage for both building and contents.
• KOBİ Paket Sigorta Poliçesi (SME Package Insurance) Package insurance product designed for small and medium-sized enterprises, covering business premises, contents, and operational risks.
• DASK (Mandatory Earthquake Insurance) Mandatory earthquake insurance covering physical damage to residences caused by earthquakes, as required by Turkish law and administered through the Natural Disasters Insurance Institution (DASK).
• Tamamlayıcı Sağlık Sigortası (Supplementary Health Insurance) Supplementary health insurance covering the difference between SGK reimbursement and private hospital charges. Provides access to contracted private hospitals with no additional co-payment for in-patient treatments and 6–8 out-patient visits per year.
• Seyahat Sağlık Sigortası (Travel Health Insurance) Health insurance covering medical expenses and emergency assistance during domestic or international travel.
• Salgın Hastalıklar Dahil Seyahat Sağlık Sigortası (Travel Health Insurance Including Epidemic Diseases) Travel health insurance that explicitly includes coverage for medical expenses arising from epidemic and pandemic diseases during travel.
• Yabancı Uyruklulara Özel 'Turuncu Sağlık Sigortası' (Orange Health Insurance for Foreign Nationals) Special health insurance product designed for foreign nationals residing in Turkey, providing access to contracted health institutions.
• Emtia Nakliyat Sigortaları (Cargo Transit Insurance) Insurance covering goods and merchandise during domestic and international transport against risks such as damage, loss, and theft.
• Yurtiçi Taşıyıcı Sorumluluk Sigortaları (Domestic Carrier Liability Insurance) Insurance covering the legal liability of domestic transport operators for goods entrusted to them for carriage.
• CMR Sigortaları (CMR Insurance) Insurance covering the liability of international road hauliers under the CMR Convention for loss or damage to goods during international carriage.
• Tekne-Yat Sigortası (Boat & Yacht Insurance) Insurance covering boats and yachts against maritime risks including damage, liability, and loss during navigation.
• İnşaat Sigortası (Construction Insurance) Insurance covering construction projects against risks including material damage, third-party liability, and worksite accidents during the construction period.
• Elektronik Cihaz Sigortası (Electronic Equipment Insurance) Insurance covering electronic equipment and devices against sudden damage, breakdown, and related risks.
• Montaj Sigortası (Erection All Risks Insurance) Insurance covering the assembly and installation of machinery and equipment against damage and liability risks during the installation period.
• Makine Kırılması (Machinery Breakdown Insurance) Insurance covering sudden and accidental breakdown of machinery and equipment, covering repair or replacement costs.
• Ferdi Kaza Sigortası (Personal Accident Insurance) Personal accident insurance covering death, permanent disability, medical expenses, and education funds for dependents resulting from accidents.
• Güven Ferdi Kaza Sigortası (Güven Personal Accident Insurance) Personal accident insurance product under the Güven brand, offering coverage for death, disability, and related benefits from accidents.
• Devlet Destekli Tarım Sigortası (State-Supported Agriculture Insurance / TARSİM) Government-supported agricultural insurance covering crops, livestock, and greenhouse facilities against natural disasters and other risks, administered through TARSİM.
• Kefalet Sigortası (Surety Bond Insurance) Insurance providing surety bonds guaranteeing contractual obligations such as tenders, construction contracts, and advance payment guarantees.

Quantifiable outcome

• 135% growth in supplementary health insurance (TSS) in first half of 2018 vs previous year

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core, flagship and minor.

• İLKSAN (İlkokul Öğretmenleri Sendikası)coreStrategic or Co-development Partner · 13 December 2018Partnership with İLKSAN education union (280,000 members) providing specially designed supplementary health insurance (TSS) for teachers and their families at competitive group rates with family discounts.
• IMC Sigorta BrokerliğicoreChannel Partner/ Reseller/ DistributorInsurance brokerage partnership for the İLKSAN teacher health insurance project, facilitating product distribution and service delivery.
• Galatasaray Erkek Basketbol TakımıflagshipGTM or Marketing PartnerName sponsorship of Galatasaray Men's Basketball Team, branded as 'Galatasaray Doğa Sigorta'. Includes stadium naming rights at Türk Telekom Stadium and player appearances at company events.
• NGN Veri Merkezi (Star of Bosphorus)coreTechnology or IntegrationEnterprise data center partnership providing 16MW power capacity, N+1 redundancy systems, 72-hour fuel backup, and Tier-3 equivalent infrastructure for business continuity.
• Nextplushealth (Dr. Doğa Portal)Technology or IntegrationDigital health portal integration for customer health management and policy services.
• RSServisminorChannel Partner/ Reseller/ DistributorMini repair service provider for Doğa Optimum Kasko policyholders providing quick vehicle repairs.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Anadolu Sigorta: Anadolu Sigorta is one of Turkey's leading multi-line non-life insurers offering motor, health, fire, marine, and engineering coverage through agents, brokers, banks, and digital channels. It is the closest direct competitor to Doğa Sigorta in product breadth, distribution mix, and Turkish P&C positioning.
• Acıbadem Sigorta: Acıbadem Sigorta is a Turkish insurer with a strong health and personal accident franchise and broader multi-line offerings. It competes directly with Doğa Sigorta in supplementary health, a key growth segment for the company.
• Sompo Sigorta: Sompo Sigorta (formerly Fiba Sigorta) is a Turkish multi-line non-life insurer offering motor, health, fire, marine, and engineering coverage. It is a closely comparable mid-sized Turkish P&C peer with similar product breadth and agent-driven distribution.
• Magdeburger Sigorta: Magdeburger Sigorta is a Turkish multi-line non-life insurer offering motor, health, fire, and commercial lines. It serves the same SME and individual segments as Doğa Sigorta and is a comparable mid-market P&C competitor.
• HDI Sigorta: HDI Sigorta is a Turkish multi-line P&C insurer (part of the Talanx/HDI International group) offering motor, health, fire, and engineering lines through agents and brokers. Comparable to Doğa Sigorta in product breadth and mid-sized positioning in the Turkish market.
• Bereket Sigorta: Bereket Sigorta is a domestically owned Turkish multi-line P&C insurer offering motor, health, fire, and engineering products. It is a structurally similar peer to Doğa Sigorta given shared domestic-capital positioning and comparable size in the Turkish market.

Broad incumbents

• Generali Sigorta: Generali Sigorta is the Turkish subsidiary of global insurer Generali, providing multi-line P&C and health products through agent, broker, and digital channels. It competes with Doğa Sigorta across the full product suite but operates with substantially greater capital backing.
• Türkiye Sigorta: Türkiye Sigorta is a major state-affiliated multi-line Turkish insurer offering motor, health, DASK, and commercial lines at high scale. It is a broad incumbent competitor to Doğa Sigorta with privileged access to public-sector and DASK distribution.
• AXA Sigorta: AXA Sigorta is the Turkish arm of global insurer AXA, providing multi-line P&C and health products through agents, brokers, and digital channels. It is a broad incumbent comparable to Doğa Sigorta in product mix but materially larger in scale and brand recognition.
• Allianz Sigorta: Allianz Sigorta is the Turkish subsidiary of Allianz, a global insurance leader, offering a comprehensive suite of motor, health, property, and engineering products. It competes head-to-head with Doğa Sigorta across nearly every line but operates with substantially greater capital, brand, and international reinsurance access.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/dogasigorta
• Xx.com/dogasigorta
• Facebookfacebook.com/dogasigorta
• LinkedInlinkedin.com/company/dogasigorta

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Doğa Sigorta