Sencard
Sencard is a Turkish health insurance membership platform that bundles policies from seven partner insurers with access to 5,300+ contracted healthcare providers, offering digital self-service tools and modular benefits like dental and flexible coverage.
- Company typePrivate
- Founded2015
- HeadquartersIstanbul
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Sencard does
Sencard (legal entity: senCard Hizmet Merkezi) is a Turkish health insurance membership program founded in 2015 and headquartered in Maltepe, Istanbul. The company operates a digital membership platform that bundles health insurance products from seven partner insurers with access to a network of over 5,300 contracted healthcare institutions across Turkey. Members access the program primarily through holding health insurance policies distributed by Bupa Acıbadem Sigorta, HDI Sigorta, Eureko Sigorta, Quick Sigorta, Garanti BBVA Emeklilik, HDI Fibaemeklilik, and Zurich Yaşam Emeklilik — collectively spanning bankassurance, specialty health, agency-driven, and digital-first distribution models. Non-policyholders can initiate membership by purchasing healthy living packages via the senCard Market e-commerce platform.
The proprietary technology stack centers on a real-time online provision system (provizyon) and a separate medication authorization system (ilaç provizyon) that enable seamless processing at contracted providers. Member-facing digital channels include the senCard mobile application (iOS/Android) with family health tracking, vaccination reminders, pregnancy monitoring, nutrition guidance, and provider locator features; the Bireysel Online İşlemler individual portal; the webBiz corporate portal; and senCard Market. Modular products include senCard Flexi (flexible side benefits) and senCard Dental (dental coverage), with a wellness sub-brand called blua.
Sencard generates revenue primarily through distribution commissions from partner insurance companies on policies that include senCard membership, supplemented by subscription revenue from healthy living packages sold via senCard Market. The company operates as a private, independent entity with 251-500 employees, no disclosed venture funding, and no parent company. Its customer base is segmented into individual policyholders (primary), corporate group-insurance clients, dental members, and Flexi users.
Sencard firmographics
Firmographics- Name
- Sencard
- Legal name
- senCard Hizmet Merkezi
- Website
- https://sencard.com.tr
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Sencard is a Turkish health insurance membership platform that bundles policies from seven partner insurers with access to 5,300+ contracted healthcare providers, offering digital self-service tools and modular benefits like dental and flexible coverage.
- Ownership category
- akta.pro rank
Sencard industry classification
Industry- Product category
- Health Insurance Membership
- NAICS
- Insurance Agencies and Brokerages (524210)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Patient Financial Engagement (Estimates, Billing Presentment, Payments) (HLACAEAI)
Keywords
Where Sencard is headquartered
LocationHeadquarters
- HQ city
- Istanbul
Offices2 records
Markets served
Sencard business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Health Insurance Distribution Commission: senCard generates revenue through commissions received from partner insurance companies (Bupa Acıbadem Sigorta, HDI Sigorta, Eureko Sigorta, Quick Sigorta, Garanti BBVA Emeklilik, HDI Fibaemeklilik, Zurich Yaşam Emeklilik) for distributing their health insurance products to members of the senCard membership program.
- senCard Market - Healthy Living Packages: Sale of health and wellness packages through senCard Market (market.sencard.com.tr) allowing non-insurance holders to join the membership program by purchasing healthy living packages.
- senCard Flexi - Flexible Benefits Platform: Revenue from senCard Flexi platform offering flexible side benefits packages to members.
Go-to-market motion1 record
Distribution channels5 records
Marketing channels8 records
Sencard product offering
Product offeringCore offering
Sencard operates a health insurance membership program that provides financial protection against health risks combined with access to a network of over 5,300 contracted healthcare institutions in Turkey. Members are enrolled through partner insurance companies and gain access to digital platforms (mobile app, online portal), real-time provision systems for medical services and medications, and supplementary offerings including dental coverage and flexible benefits packages.
Product overview
senCard operates as a unified health membership program platform combining health insurance products with digital service delivery. The core senCard membership program provides access to a network of over 5,300 contracted healthcare institutions, supported by real-time online provision systems. The platform includes modular add-ons such as senCard Flexi (flexible benefits), senCard Dental (dental coverage), and a mobile application for on-the-go access. Members interact through Bireysel Online İşlemler (individual portal) and webBiz (corporate portal), while the senCard Market e-commerce platform enables non-insured users to purchase healthy living packages and initiate membership. The provizyon systems handle authorization for both medical services and medications at contracted providers.
Differentiator
Problem solved
Functional benefit
Brands
- senCard Flexi: Flexible side benefits platform offering additional membership advantages
- senCard Dental
- blua.
Products and services
- senCard Üyelik Programı (Membership Program) Core health-focused membership program that provides financial protection against health risks through partner insurance products, combined with access to a contracted healthcare provider network, digital platforms, and member-exclusive discounts. Targeted at individual health insurance policyholders in Turkey.
- senCard Flexi Flexible side benefits platform that allows members to customize and access additional health-related benefits beyond their core membership package. Targeted at members seeking supplemental health and wellness benefits.
- senCard Dental Dental insurance package offering coverage and access to dental care services through the senCard provider network. Targeted at members seeking specialized dental health coverage.
- senCard Market Online marketplace for health and wellness products, including healthy living packages that can be purchased to initiate senCard membership. Targeted at non-insurance-holding individuals who wish to access membership benefits directly.
- blua. Health and wellness content or service branded under the senCard ecosystem, providing wellness-oriented offerings to members.
Quantifiable outcome
- 5,300+ contracted healthcare institutions nationwide
Companies that use Sencard
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles4 records
Sencard technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Sencard partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- Bupa Acıbadem SigortacoreTurkey's only insurance company specializing exclusively in health insurance. Bupa Acıbadem Sigorta provides specialized health insurance products distributed to senCard members. As Turkey's dedicated health insurer, they focus on delivering comprehensive health coverage through the senCard membership ecosystem.
- Eureko SigortacoreInsurance company with extensive banking distribution network (bankassurance). Eureko distributes health insurance products through banking channels to senCard members, leveraging partnerships with financial institutions.
- HDI SigortacoreInsurance company with hundreds of agencies providing nationwide coverage across Turkey. HDI Sigorta distributes health insurance products to senCard members through its extensive physical agency network.
- Garanti BBVA EmeklilikcorePension and insurance company recognized as the most effective utilizers of bankassurance in Turkey. Garanti BBVA Emeklilik distributes health insurance products to senCard members through the Garanti BBVA bank branch network.
- Quick SigortacoreDigital-first insurance company positioned as the address for economical, practical, and immediate insurance solutions. Quick Sigorta provides digital distribution of health insurance products to senCard members through online and mobile channels.
- HDI FibaemeklilikcorePension and insurance company combining HDI's insurance expertise with Fiba Group's financial market strength. HDI Fibaemeklilik distributes health insurance and pension products to senCard members.
- Zurich Yaşam EmeklilikcoreLife and pension company combining Zurich's global insurance strength with Fiba Group's financial expertise. Zurich Yaşam Emeklilik provides life insurance and pension products to senCard members.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
Sencard competitors and assessment
Company assessmentMarket position
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
Sencard social profiles
Digital presenceSencard financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sencard leadership team
Management profileNumber of profiles
Sencard funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sencard M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sencard
What does Sencard do?
Sencard operates a health insurance membership program that provides financial protection against health risks combined with access to a network of over 5,300 contracted healthcare institutions in Turkey. Members are enrolled through partner insurance companies and gain access to digital platforms (mobile app, online portal), real-time provision systems for medical services and medications, and supplementary offerings including dental coverage and flexible benefits packages.
Is Sencard a public or private company?
Sencard is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Sencard founded?
Sencard was founded in 2015. It employs 251 to 500 people.
Where is Sencard based?
Sencard is headquartered in Istanbul.
How does Sencard make money?
Three revenue lines are on record. Health Insurance Distribution Commission is the primary driver. The others are senCard Market - Healthy Living Packages and senCard Flexi - Flexible Benefits Platform.
Does Sencard have an API?
No public API is recorded for Sencard.
What industry is Sencard in?
Sencard's product category is Health Insurance Membership. Its primary akta.pro industry code is HLACAEAI, Patient Financial Engagement (Estimates, Billing Presentment, Payments). Its NAICS code is 524210 and its SIC code is 6321.