Hepiyi Sigorta

What Hepiyi Sigorta does

Hepiyi Sigorta is a Turkey-based, privately-held digital insurance company established in 2021/2022 as a wholly-owned investment subsidiary of Doğan Holding, headquartered in Istanbul. The company distributes motor, health, property, travel, and specialty insurance products directly to consumers through a digital-first platform — including its hepiyi.com.tr website, iOS and Android mobile applications, a 7/24 call center (Hepiyi Çözüm Merkezi at 0850 665 63 63), and an insurance-agency (Acentelik) partner channel. Its core product set comprises compulsory and voluntary lines: kasko (comprehensive auto) and trafik (mandatory motor liability), four-tier supplementary health insurance (Pekiyi, Pekiyi Avantaj, Çokiyi, İyi) for SGK-insured individuals, foreign health and health-complication insurance for medical tourism, travel health, home (konut), and the compulsory DASK earthquake product. Specialty products include Electric Vehicle Kasko and Used Vehicle Traffic Insurance. Product technology includes a stated 30-second online quote system for trafik insurance, online claims reporting at hasar.hepiyi.com.tr, 3D Secure online payment, and bundled Dr. Online telemedicine (30 consultations per year) integrated into supplementary health plans.\n\nThe business model is recurring-premium based: customers pay annual or installment (up to 12 months) premiums, with pricing driven by vehicle/driver profile for motor products and network/coverage tier for health products; a 60 TL participation fee applies to inpatient-only health plans. Disclosed scale metrics include 2.4M+ customers served, ₺14B+ in cumulative claims paid, 600+ contracted healthcare institutions, and 1,700-2,000+ contracted vehicle service centers. Revenue mechanics depend on gross written premiums across compulsory (trafik, DASK) and voluntary (kasko, supplementary health, foreign health, travel, home) lines, with the digital distribution model enabling competitive pricing relative to traditional Turkish insurers.\n\nOperations are domestic to Turkey; the company maintains active social channels (Facebook, Twitter/X, Instagram, LinkedIn, YouTube) and a content-marketing blog focused on insurance education. The CEO and founder is Şenol Ortaç; Öncü Venture Capital Investment Partnership is listed as an investor alongside the Doğan Holding parentage.

Name

Hepiyi Sigorta

Legal name

Hepiyi Sigorta

Website

https://hepiyi.com.tr

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

101–250 employees

Short description

Hepiyi Sigorta is the digital-first insurance subsidiary of Turkey's Doğan Holding, selling motor, supplementary health, home, travel, and specialty insurance directly to Turkish consumers through its website, mobile apps, and call center.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Insurance Carriers (5241), Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Digital insurance
• Auto insurance
• Health insurance
• Property insurance
• Travel insurance

Headquarters

HQ city

Istanbul

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Collection of recurring insurance premiums from policyholders for various insurance products including motor (kasko, traffic), health (supplementary health, foreign health, travel health), and property (home, DASK) insurance
2. One-Time Policy Sales: One-time insurance policy purchases primarily for travel health insurance and short-term coverage needs

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Hepiyi Sigorta is a digital insurance company offering a portfolio of personal insurance products — including comprehensive vehicle (Kasko), mandatory traffic, supplementary health (with four plan tiers), foreign health, travel health, home, and mandatory earthquake (DASK) insurance — sold directly to individual consumers through its website, mobile applications, and agency network. Policies are quoted in 30 seconds online, issued instantly, and supported by a 7/24 call center, digital claims reporting, and a bundled Dr. Online telemedicine service within health plans.

Product overview

Hepiyi Sigorta is a digital insurance brand under Doğan Holding offering a comprehensive portfolio of insurance products through online and mobile channels. The core product suite centers on vehicle insurance (Kasko comprehensive and Traffic mandatory insurance) and health insurance (Supplementary Health with four plan tiers - Pekiyi, Pekiyi Avantaj, Çokiyi, and İyi). Supporting products include Foreign Health Insurance, Health Complication Insurance for medical tourism, Travel Health Insurance, Home Insurance (Konut), and Mandatory Earthquake Insurance (DASK). Specialty offerings include Electric Vehicle Kasko and Used Vehicle Traffic Insurance. The company operates as a next-generation insurer emphasizing digital-first distribution with 7/24 customer support through its Hepiyi Çözüm Merkezi hotline (0850 665 63 63), mobile applications, and an online damage reporting portal. The Supplementary Health product includes bundled telemedicine services (Dr. Online) and annual check-up benefits. With over 2,400,000 customers, 600+ contracted healthcare institutions, and 2,000+ vehicle service partners, Hepiyi positions itself on affordable pricing, fast claims settlement (₺14 billion+ in claims paid), and a digital-first customer experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Kasko Sigortası (Comprehensive Vehicle Insurance) Optional comprehensive motor insurance covering collision, fire, theft, and natural disaster damage to the policyholder's vehicle, with add-on coverage options and access to a network of 2,000+ authorized service centers. Targeted at individual vehicle owners in Turkey.
• Trafik Sigortası (Mandatory Traffic Insurance) Statutorily required motor liability insurance covering bodily injury and property damage to third parties caused by the insured vehicle. Pricing follows the regulatory 8-step claim-free discount system with installment options.
• Tamamlayıcı Sağlık Sigortası (Supplementary Health Insurance) Supplementary private health insurance for SGK-insured individuals providing access to a network of 600+ contracted private hospitals without out-of-pocket costs. Available in four plan tiers (Pekiyi, Pekiyi Avantaj, Çokiyi, İyi) with varying hospital network breadth and inpatient/outpatient coverage; family discounts available.
• Yabancı Sağlık Sigortası (Foreign Health Insurance) Health insurance for foreign nationals residing in Turkey, providing healthcare coverage throughout the policyholder's stay to meet residency-related insurance requirements.
• Sağlık Komplikasyon Sigortası (Health Complication Insurance) Specialized insurance covering medical complications arising during health tourism treatments in Turkey, aimed at international medical tourism patients.
• Seyahat Sağlık Sigortası (Travel Health Insurance) Short-term travel health insurance covering medical expenses and emergencies during international trips, including pandemic-related coverage, with pricing based on destination, duration, and coverage limits.
• Konut Sigortası (Home Insurance) Optional residential property insurance protecting homes against fire, theft, water damage, natural disasters, and related liabilities, with pricing based on home value, location, and coverage scope.
• DASK (Mandatory Earthquake Insurance) Statutorily required earthquake insurance for residential properties in Turkey, with government-regulated pricing covering earthquake and earthquake-caused damages.
• 2. El Trafik Sigortası (Used Vehicle Traffic Insurance) Mandatory traffic insurance designed for second-hand vehicle purchases, allowing the new owner to obtain coverage using vehicle registration details prior to ownership transfer.
• Elektrikli Araç Kaskosu (Electric Vehicle Insurance) Specialized comprehensive insurance for electric vehicles, covering battery damage and charging-related incidents not typically included in standard motor policies.

Quantifiable outcome

• 2,400,000+ happy customers served
• +4 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Anadolu Sigorta: One of Turkey's largest non-life insurers (backed by Anadolu Group), offering motor, health, and property lines through traditional and digital channels; competes with Hepiyi on product breadth and scale.
• Allianz Sigorta (Turkey): Turkish arm of Allianz, offering personal P&C and health lines; established competitor with strong agency network and brand trust that Hepiyi must displace.
• Sompo Sigorta (Turkey): Turkey-based non-life insurer under Sompo Japan; offers motor, health, and specialty lines, competing with Hepiyi especially in personal lines.
• Türkiye Sigorta: State-affiliated Turkish insurer with the largest domestic market share; significant DASK and motor competitor with structural advantages Hepiyi lacks.
• Zurich Sigorta (Turkey): Turkish subsidiary of Zurich Insurance, offering personal and commercial lines; relevant global incumbent comparable operating in the same Turkish consumer market.
• AXA Sigorta (Turkey): Turkey subsidiary of global insurer AXA, offering motor, health, and home insurance with a growing digital channel; incumbent competitor with deeper capital and brand.
• Mapfre Sigorta (Turkey): Turkish operation of global insurer Mapfre, providing motor, health, and property products; relevant incumbent comparable on multi-line Turkish consumer insurance.

Direct peers

• Koalay Sigorta: Turkey-based digital insurance brand offering simplified online motor and personal insurance; shares Hepiyi's direct-to-consumer, mobile-first go-to-market model.
• Ethica Sigorta: Turkish digital-first insurer offering motor, health, and other personal lines through online channels; competes head-to-head with Hepiyi on price and digital UX within the same Turkish consumer segment.
• Lemonade: US-listed digital-native insurer using mobile-first UX, AI-driven underwriting, and a B Corporation brand model; benchmark peer for Hepiyi's digital-first multi-line consumer insurance strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/HepiyiSigorta
• YouTubeyoutube.com/channel/UC6BIgMrX4OOWfUmE11FNKfg
• Facebookfacebook.com/HepiyiSigorta
• LinkedInlinkedin.com/company/hepiyi-sigorta
• Instagraminstagram.com/hepiyisigorta

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

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 Hepiyi Sigorta