AXA SİGORTA

What AXA SİGORTA does

AXA Sigorta A.Ş. is the Turkish insurance operating subsidiary of AXA Group, a Paris-headquartered global insurer present in 51 countries with more than 145,000 employees. Headquartered in Istanbul's Salıpazarı district, the company offers a multi-line insurance and financial services portfolio covering vehicle, health, home, commercial, agricultural, and personal lines, and cross-sells life and pension products through its sister entity AXA Hayat ve Emeklilik. Its customer base spans individual consumers, small and medium-sized enterprises, and corporate clients across Turkey, with an additional Northern Cyprus (KKTC) branch serving that market.

The product portfolio includes comprehensive and mandatory auto coverage (Kasko, Zorunlu Trafik, Elektrikli Araç Kaskosu), multiple health insurance lines (Özel Sağlık, Tamamlayıcı Sağlık, AXA Dijital Sağlık Sigortası, Yurtdışı Seyahat, KOBİ Sağlığım Tamam, Esnaf Sağlığım Tamam, Sağlığım Misafir, and Yerleşik Yabancılar), home insurance (Konut, Zorunlu Deprem/DASK, Site Paket), and specialty personal lines (Bireysel Siber Riskler, Cep Telefonu, Evcil Hayvan). The technology stack comprises the AXAFit mobile wellness application with a Digital Examination Kit connecting to partner hospitals (Amerikan Hastanesi and Koç Üniversitesi Hastanesi) for digital consultations, the AI-powered ŞANS chatbot within the AXABiz employee self-service platform, the Pisano customer-facing chatbot, and the AXA Yetkinlik Akademisi (AYA) learning platform. AXA Dijital Sağlık Sigortası is positioned as a Turkey-first digital health insurance product.

Revenue is generated primarily through recurring non-life insurance premiums, life insurance premiums, and individual pension system (BES) contributions; AXA's HES Hisse Senedi Fonu is ranked #1 in the equity fund category for 3- and 5-year returns, and the AJR-OKS Agresif Değişken Fonu is ranked #1 among 400 pension funds for 3-year returns. Distribution is multi-channel: 9 regional directorates and 4 representations provide regional sales coverage, supplemented by an agency network, a bancassurance channel, automotive dealers, brokers, innovative partnerships, and digital self-service through the website and AXAFit app. Pricing is uniformly quote-based and not publicly disclosed. The company is regulated by Turkey's SEDDK and operates under the global AXA Group's brand, technology, and risk management infrastructure.

Name

AXA SİGORTA

Legal name

AXA Sigorta A.Ş.

Website

https://axasigorta.com.tr

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

AXA Sigorta is AXA Group's Turkish insurance subsidiary, offering auto, health, home, commercial, and pension products. It serves retail, SMB, and corporate customers across Turkey through 9 regional directorates, agencies, bank channel, brokers, automotive dealers, and digital platforms.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Life Insurance Carriers (524113)

SIC

Insurance Carriers, Nec (6399), Accident & Health Insurance (6321), Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

akta.pro secondary industries

Insurance Program Administration & MGA/MGU Services (FSAEADAK), Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)

Keywords

• Non-life insurance
• Health insurance
• Auto insurance
• Home insurance
• Individual pension

Headquarters

HQ city

Istanbul

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-Life Insurance Premiums: AXA Sigorta generates primary revenue through insurance premiums across multiple non-life insurance lines including auto insurance (kasko, zorunlu trafik), health insurance (özel sağlık, tamamlayıcı sağlık, dijital sağlık, KOBİ sağlık, yurt dışı seyahat sağlık, yerleşik yabancılar için sağlık), home/residential insurance (konut, DASK, site paket), commercial/corporate insurance (ticari, kurumsal, tarım), and specialty lines (pet, phone, individual cyber risk).
2. Individual Pension System (BES) Contributions: AXA Hayat ve Emeklilik (related AXA entity) manages individual pension system (BES) contributions and fund management. AXA Sigorta cross-sells BES products. AXA pension funds ranked #1 in equity fund category for 3-year and 5-year returns (HES Hisse Senedi Fonu) and #1 among 400 pension funds for 3-year returns (AJR-OKS Agresif Değişken Fonu).
3. Life Insurance Products: AXA Sigorta offers life insurance products (Hayat Sigortaları) as part of its product portfolio alongside elementer insurance products. Revenue is generated through recurring life insurance premiums.

Pricing tiers

Go-to-market motion4 records

Distribution channels8 records

Marketing channels10 records

Core offering

AXA SİGORTA is a Turkey-based general insurance company that underwrites and distributes non-life, health, life, and individual pension (BES) products to individual consumers and corporate clients. Its portfolio spans motor, health, home, travel, cyber, pet, agriculture, and life insurance, delivered through a multi-channel distribution network that includes regional field sales, agencies, bank assurance, brokers, automotive dealers, and digital self-service channels. The company operates as part of the AXA Group and serves customers across Turkey.

Product overview

AXA Sigorta operates as a multi-line insurance and financial services company offering an integrated portfolio of insurance products across vehicle, health, home, commercial, and pension categories, supported by proprietary digital platforms. Core insurance products include Kasko Sigortası and Zorunlu Trafik Sigortası for vehicles; Tamamlayıcı Sağlık Sigortası, Özel Sağlık Sigortası, and AXA Dijital Sağlık Sigortası for health; Konut Sigortası (Evim) and Zorunlu Deprem Sigortası (DASK) for homes; Bireysel Siber Riskler, Cep Telefonu, and Evcil Hayvan Sigortası for personal lines; and Tarım Sigortası for commercial/agricultural. The digital ecosystem is anchored by the AXAFit mobile app (health and wellness), the AXABiz self-service HR portal, the AI-powered ŞANS chatbot for employee support, and the AXA Yetkinlik Akademisi (AYA) learning platform. AXA Dijital Sağlık Sigortası represents a Turkey-first digital health insurance product enabling online medical consultations via AXAFit. The company also offers digital calculation tools (MTV, KDV/ÖTV, Tapu Harcı, salary calculators) and the AXA Kurumsal Risk Danışmanım consulting service.

Differentiator

Problem solved

Functional benefit

Brands

• AXAFit: Mobile health and wellness application offered by AXA Sigorta, providing digital health insurance services and a health assistant platform.
• AXA Dijital Sağlık Sigortası
• AXIS
• EXEN
• AYA (AXA Yetkinlik Akademisi)

Products and services

• Kasko Sigortası Comprehensive motor insurance covering own-vehicle damages and third-party liability for individual car owners in Turkey.
• Elektrikli Araç Kaskosu Specialized comprehensive insurance designed for electric vehicles, tailored to the specific risks and components of EVs.
• Zorunlu Trafik Sigortası Mandatory third-party liability motor insurance required by Turkish law for all vehicle owners.
• AXA Dijital Sağlık Sigortası Turkey's first digital health insurance product, paired with a proprietary Dijital Muayene Kiti (Digital Examination Kit) that connects policyholders to American Hospital and Koç University Hospital specialists online.
• Tamamlayıcı Sağlık Sigortası Complementary health insurance that covers treatment costs in contracted private hospitals on top of the Turkish SGK (social security) coverage.
• Özel Sağlık Sigortası Standalone private health insurance that indemnifies medical expenses incurred at network hospitals without requiring SGK affiliation.
• Sağlığım Tamam Sigortası Affordable health insurance package designed specifically for SMEs (KOBİ) and tradespeople (Esnaf) and their employees.
• Yurtdışı Seyahat Sağlık Sigortası International travel health insurance that covers emergency medical treatment and assistance costs incurred abroad.
• Sağlığım Misafir Sigortası Health insurance for guests/visitors visiting Turkey, providing medical expense coverage during their stay.
• Yerleşik Yabancılar İçin Özel Sağlık Sigortası Private health insurance designed for foreign residents living in Turkey, providing medical expense coverage.
• Konut Sigortası (Evim Sigortası) Homeowners insurance covering the dwelling and household contents against risks such as fire, theft, water damage, and natural disasters.
• Zorunlu Deprem Sigortası (DASK) Compulsory earthquake insurance mandated by Turkish law for residential properties, providing indemnity against earthquake damage.
• Site Paket Sigortası Combined insurance package for residential complexes/apartment sites covering common areas and shared infrastructure risks.
• Bireysel Siber Riskler Sigortası Personal cyber risk insurance protecting individuals against online fraud, identity theft, and cyber-attacks.
• Cep Telefonu Sigortası Mobile phone insurance covering accidental damage, theft, and mechanical breakdown of personal smartphones.
• AXA Evcil Hayvan Sigortası Pet health insurance covering veterinary treatment costs and third-party liability arising from owned cats and dogs.
• Tarım Sigortası Agricultural insurance (TARSİM-compatible) covering crops, livestock, and aquaculture production risks for farmers.
• Bireysel Hayat Sigortası Individual life insurance that pays a defined benefit to beneficiaries upon death or maturity of the policy.
• Kredili Hayat Sigortası Credit-linked life insurance that repays outstanding loan balances in case of the borrower's death.
• AXA Bireysel Emeklilik Sistemi (BES) Individual Pension System (BES) plan managed through AXA Hayat ve Emeklilik A.Ş., offering diversified pension fund options such as the HES Equity Fund and AJR-OKS Aggressive Variable Fund.
• AXA Kurumsal Risk Danışmanım Corporate risk consulting service providing risk diagnosis, engineering, and mitigation support to businesses on occupational health and safety and general corporate risk exposure.

Quantifiable outcome

• AXA pension fund HES Hisse Senedi Fonu ranked #1 in equity fund category for both 3-year and 5-year returns
• +2 more outcomes

Named customers4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature6 records

Partnerships

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

• Türkiye Voleybol Federasyonu (Turkish Volleyball Federation)flagshipGTM or Marketing Partner · 1 January 2018AXA Sigorta has been the official sponsor of the Turkish Volleyball Federation since 2018. The sponsorship covers both club-level and national team-level volleyball in Turkey, with AXA branded as a supporter of 'Türk Voleybolu' which is the most successful Turkish sport representation at both levels. The partnership includes the 'Kupa Voley' initiative.
• Acıbadem Sağlık GrubucoreStrategic or Co-development PartnerAXA Sigorta has a strategic partnership with Acıbadem Sağlık Grubu for healthcare services. Under AXA Özel Sağlık Sigortası Network 1 and 3, Acıbadem Bodrum Hastanesi and Acıbadem Bodrum Tıp Merkezi provide 100% coverage for outpatient treatment. Additionally, AXA Sigorta and Acıbadem Sağlık Grubu collaborate to provide free breast health services as part of a breast cancer awareness initiative.
• Amerikan HastanesicoreStrategic or Co-development PartnerPartner hospital for AXA Dijital Sağlık Sigortası, providing online doctor consultations through the AXAFit app's Digital Examination Kit.
• Koç Üniversitesi HastanesicoreStrategic or Co-development PartnerPartner hospital for AXA Dijital Sağlık Sigortası, providing online doctor consultations through the AXAFit app's Digital Examination Kit.
• Türk Eğitim Vakfı (TEV)minorStrategic or Co-development PartnerAXA Akademi (within AXA Yetkinlik Akademisi) collects participation fees from training sessions for agents, which are donated to Türk Eğitim Vakfı (TEV) as scholarships supporting the education of Turkey's future generations.
• AXA Group (International)coreStrategic or Co-development PartnerAXA Sigorta is the Turkish subsidiary of AXA Group, one of the world's largest insurance companies operating in 51 countries with 145,000+ colleagues. The company leverages AXA Group's global technology, brand, risk management expertise, and international health network partnerships. AXA Group's global sustainability strategy and CSR programs (AXA Tüm Kalplerde/Hearts in Action) are implemented in Turkey.
• Mardin Sivrice Dream / Mardin Sivrice OkuluminorStrategic or Co-development PartnerAXA Sigorta supports Mardin Sivrice Dream project and Mardin Sivrice School, providing painting of 'Science and Mathematics Street' concept on school walls, printers, educational toys, and support for village children's sports team 'Sivrice Dream' that has achieved many successes.
• Muğla Ören Ortaokulu / Bilim Kahramanları ProjeminorStrategic or Co-development PartnerAXA Sigorta is a sponsor of the 'Bilim Kahramanları' (Science Heroes) project for Muğla Ören Middle School, covering project registration fees, theme sets, and project tables.
• Üsküdar Selami Ali OrtaokuluminorStrategic or Co-development PartnerAXA Sigorta employees visited Üsküdar Selami Ali Middle School and established a library in an unused classroom.
• UN Women (Women's Empowerment Principles)coreStrategic or Co-development PartnerAXA Sigorta signed the UN Women's Empowerment Principles (WEPs), committing to gender equality across the company's operations and workforce.

Scale indicators6 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Mapfre Sigorta: Turkish subsidiary of Spanish insurer Mapfre, offering P&C and health products through agency, bank and broker channels. Comparable foreign-affiliated multi-line competitor.
• Zurich Sigorta: Turkish subsidiary of Zurich Insurance Group, focused on P&C, health and life products distributed through brokers and agencies. Comparable global-affiliated peer targeting similar mid-to-upper retail and corporate segments.
• Allianz Sigorta: Turkish subsidiary of Allianz Group (Germany), offering the same multi-line P&C, health and life insurance portfolio with comparable multi-channel distribution. Closest competitor by global parentage and product breadth in Turkey.
• Anadolu Sigorta: One of Turkey's largest domestic P&C insurers, offering auto, health, home, and commercial lines through agency and digital channels. Directly comparable on product mix and target customer base.
• Sompo Sigorta: Turkish subsidiary of Sompo Japan (formerly Fiba Sigorta), offering P&C, health and life insurance with agency and digital distribution. Comparable multi-line foreign-affiliated peer in the Turkish market.
• Türkiye Sigorta: State-owned Turkish P&C insurer and dominant DASK writer. Comparable product portfolio with leadership position in mandatory and mass-market lines that directly overlaps AXA Sigorta's footprint.
• HDI Sigorta: Turkish subsidiary of German insurer HDI (Talanx Group), offering P&C and health insurance through agency and broker channels. Comparable foreign-affiliated mid-sized peer.

Broad incumbents

• AXA Hayat ve Emeklilik: Wholly-owned AXA Group sister entity in Turkey managing life and pension (BES) products. Operates as the group's life/pension arm and is the source of AXA's #1-ranked pension fund performance.

Emerging players

• Ethica Sigorta: Digital-first Turkish insurer with proprietary mobile and online distribution, focusing on simplified auto and home products. Represents the new digital-native model competing against AXA Sigorta's traditional channels.
• Quick Sigorta: Digital-first Turkish insurer offering simplified auto and other P&C products primarily through online channels. Comparable emerging competitor in the direct-to-consumer segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/AXA_Turkiye
• LinkedInlinkedin.com/company/axa-turkiye

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about AXA SİGORTA