What Bupa Acıbadem Insurance does

Bupa Acıbadem Sigorta (Bupa Acıbadem Insurance) is a privately held Turkish health insurance company headquartered in Istanbul, operating as a subsidiary of the international health insurer Bupa Global. The company was established in 2004 by combining Bupa's global health insurance expertise with the Acıbadem healthcare network, and has since built 20+ years of operating history in the Turkish market. It sells a modular product portfolio under the 'Kişiye Özel' (personalized) architecture, anchored by Personal Health Insurance and complemented by complementary, global, hybrid, preventive, pregnancy, dental, critical illness, travel, visa, and check-up products, alongside group health insurance for corporate clients.

The operating model rests on three technology layers: (1) the proprietary senCard digital ecosystem, which integrates a provision (pre-authorization) system, a medication provision system, a workplace-physician platform, a mobile app, a self-servis portal, and the senCard Market e-commerce storefront; (2) the Blua digital health services platform providing video physician consultations; and (3) the MembersWorld app and Global Virtual Care service delivered through the Bupa Global partnership, which extends coverage to 190+ countries and 2 million+ providers. Distribution spans a nationwide insurance agency network, a dedicated corporate sales team, an in-house contact center, the senCard Market online channel, and provider-network referrals across 5,300+ contracted Turkish medical institutions, 500+ dental clinics, and 17 check-up facilities in 7 provinces.

Revenue is generated almost entirely through recurring annual insurance premiums across individual, SME, and corporate segments, with multiple pricing tiers (T1 Plus, T1, T2, A3) and rating factors including age, network choice, and coverage scope. Disclosed examples include senCard Dental packages from 715 TL to 6,570 TL per year and Critical Illness coverage from 100,000 TL to 2,000,000 TL. The customer base mixes individual consumers (including foreign nationals requiring residence-permit insurance), SMEs (10+ employees), and large corporates; revenue figures are not publicly disclosed. The company is led by an Acting General Manager (Aslıhan Duymaz) following Gökhan Gürcan's prior tenure as General Manager.

Name

Bupa Acıbadem Insurance

Legal name

Bupa Acıbadem Sigorta A.Ş.

Website

https://bupaacibadem.com.tr

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Bupa Acıbadem Sigorta is a privately held Turkish health insurer, subsidiary of Bupa Global, offering modular health, dental, critical illness, travel, and global health insurance to individuals, SMEs, and corporates through its senCard digital platform and a nationwide network of 5,300+ contracted medical institutions.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)

akta.pro secondary industries

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN), Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK), Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Dental & Vision Third-Party Administration (TPA) (FSAIAHAL)

Keywords

• Health insurance products
• Supplementary health insurance
• Global health coverage
• Dental insurance packages
• Critical illness insurance

Headquarters

HQ city

Istanbul

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Recurring annual insurance premiums collected from individual and corporate policyholders for health coverage including inpatient, outpatient, maternity, dental, travel, and critical illness insurance products
2. Supplementary Health Insurance: Premiums for supplementary health insurance products that work alongside government social security coverage, covering the gap between public insurance and private healthcare costs
3. Global Health Insurance: International health insurance premiums providing worldwide coverage through Bupa Global partnership, with multiple plan tiers (MajorMedical, Select, Premier, Elite)
4. senCard Dental Packages: Annual subscription-based dental care packages (Milenium, Premium, Wellness) offering various levels of dental coverage and discounts at contracted clinics
5. ONS Online Health Insurance: Annual online health insurance product providing telemedicine consultations and emergency coverage
6. Examination Insurance (Tetkik Sigortası): Annual packages covering laboratory tests and health screenings with at-home sample collection service

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels11 records

Core offering

Bupa Acıbadem Sigorta is a Turkey-based health insurance company that underwrites and distributes personalized individual and corporate health insurance products. Its core offering is the modular Kişiye Özel Sağlık Sigortası (Personal Health Insurance), complemented by complementary, global, hybrid, dental (senCard Dental), critical illness, travel/visa, preventive, check-up and group health insurance products, all delivered through a digital senCard ecosystem and a 5,300+ contracted medical institution network.

Product overview

Bupa Acıbadem Sigorta operates as a comprehensive health insurance provider offering a modular, kişiye özel (personalized) product architecture. The core offering centers on Kişiye Özel Sağlık Sigortası (Personal Health Insurance), a customizable private health insurance with modular coverage options for inpatient treatment, outpatient treatment, pregnancy, check-ups, dental, and vision. This core product is supplemented by specialized add-on modules including Kişiye Özel Global Sağlık Sigortası (international coverage via Bupa Global partnership), Kişiye Özel 2si 1 Arada Sağlık Sigortası (hybrid combining complementary and private health insurance), ONS Online Sağlık Sigortası (digital-first online health insurance with 24/7 video consultations), and senCard Dental (dental coverage). The portfolio also includes travel/visa insurances, critical illness coverage, check-up packages, and corporate group health insurance for business customers. Digital services are delivered through the senCard ecosystem including the senCard Mobil app, online portal, and Blua digital health services.

Differentiator

Problem solved

Functional benefit

Brands

• senCard: Membership program offering exclusive discounts and benefits at contracted healthcare providers and businesses across Turkey.
• Blua
• Bupa Bebeği

Products and services

• Personal Health Insurance (Kişiye Özel Sağlık Sigortası) Customizable private health insurance offering modular coverage including inpatient treatment, outpatient treatment, pregnancy and childbirth, aesthetics/cosmetic, check-up, dental and vision coverage with flexible T1 Plus, T1 and T2 network tier options, for individual policyholders aged 18-55 (renewable to 69) with a 90-day waiting period for most conditions.
• Personal Complementary Health Insurance (Kişiye Özel Tamamlayıcı Sağlık Sigortası) Budget-friendly complementary health insurance covering the cost gap between Turkish government social security (SGK) coverage and private healthcare charges at contracted private hospitals, with optional outpatient treatment and a 12-month waiting period for maternity. Available for ages 14-55 (or ÖBYG holders older than 55).
• Personalized Global Health Insurance (Kişiye Özel Global Sağlık Sigortası) International health insurance delivered in partnership with Bupa Global, providing access to 2 million+ healthcare providers worldwide in 190+ countries, with four package tiers (MajorMedical, Select, Premier, Elite) covering a range of geographic scope, dental and maternity benefits, and Global Virtual Care in 190+ languages.
• Personalized 2-in-1 Health Insurance (Kişiye Özel 2si 1 Arada Sağlık Sigortası) Hybrid product combining Complementary Health Insurance for outpatient treatments and Private Health Insurance for inpatient treatments in a single policy, available in 18 different plan options and the broadest medical network tier (Bireysel T1 Plus) including partners such as Yeditepe University Group and Medipol.
• Health Insurance for Foreigners (Yabancılar İçin Sağlık Sigortası) Mandatory A6-compliant health insurance for foreigners applying for residence permits in Turkey, providing a 150,000 TL inpatient and 15,000 TL outpatient annual limit for basic medical coverage.
• Pregnancy-Specific Birth Insurance (Hamilelere Özel Doğum Sigortası) Specialized maternity insurance for pregnant women aged 18-45 covering childbirth expenses, routine pregnancy checkups and newborn screening tests delivered through Acıbadem Health Group facilities and within the A1 emergency network.
• ONS Online Health Insurance (ONS Online Sağlık Sigortası) Annual digital-first health insurance giving 24/7 access to expert physicians via video consultation (including psychology and dietitian services), plus coverage for emergency inpatient treatment and ambulance services.
• Personalized Preventive Health Insurance (Kişiye Özel Koruyucu Sağlık Sigortası) Preventive health insurance covering shingles (zona) vaccination for adults 50+ and immunocompromised individuals 18+, including 2 annual vaccine doses delivered by Wellpoint Sağlık Hizmetleri and emergency medical coverage, with coverage across the A1 emergency network.
• Travel Insurance (Gezi Sigortaları) Travel insurance covering medical treatment, emergency evacuation, baggage loss, travel cancellation and other travel-related risks for travelers, available in Domestic, Europe and World variants.
• Visa Insurance (Vize Sigortaları) Mandatory travel/health insurance required for visa applications, available in Europe and World variants and meeting the requirements of countries that mandate insurance for visa issuance.
• senCard Dental Package (senCard Dental) Annual subscription dental care package offering access to 500+ dental clinics across three tiers: Milenium (4,705 TL/year, 44 services, VIP access), Premium (6,570 TL/year, 67 services, 500+ providers, priority appointments) and Wellness (715 TL/year, 5 preventive services).
• Check-Up Packages (Check Up Paketleri) Preventive health-screening packages including Classic, Classic Plus 40+, Premium Plus 40+, gender-specific options and specialized MR Check-Up, available through 17 contracted healthcare facilities across 7 Turkish provinces.
• Examination Insurance (Tetkik Sigortası) Laboratory-test insurance covering comprehensive health assessments (blood tests, biochemistry panels, vitamins, minerals and infection markers), delivered with home or office specimen collection in partnership with Synevo Laboratories across Istanbul, Ankara, Izmir, Bursa, Antalya and Bodrum.
• Critical Illness Insurance (Kritik Hastalıklar Sigortası) Lump-sum payment insurance covering 19 critical illnesses including heart attack, stroke, cancer, kidney failure and organ transplant, with coverage amounts from 100,000 TL to 2,000,000 TL, available for ages 18-55 and renewable until age 69.
• Corporate Group Health Insurance (Grup Sağlık Sigortası) Corporate group health insurance for businesses with flexible coverage options, proactive health-management services and tax advantages for both employers and employees; for companies with 50+ employees delivered through a dedicated corporate sales team with on-site consultation and customized plan design.

Quantifiable outcome

• Over 5,300 contracted medical institutions in Turkey
• +3 more outcomes

Named customers7 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

Integration1 record

Feature7 records

Partnerships

Four partnerships are on record, tiered core.

• Bupa GlobalcoreStrategic or Co-development PartnerStrategic partnership combining Bupa Acıbadem Sigorta's 20+ years of Turkish health insurance expertise with Bupa Global's 50+ years of international health insurance experience. Together they offer Kişiye Özel Global Sağlık Sigortası (Personalized Global Health Insurance) providing international coverage with access to 2 million+ healthcare providers worldwide in 190+ languages.
• Acıbadem Health GroupcoreTechnology or IntegrationPreferred healthcare provider network partner for specialized services including maternity insurance and other health services. Acıbadem hospitals are included in premium network tiers (T1 Plus, A3) offering policyholders access to high-quality private healthcare facilities.
• Synevo LaboratoriescoreTechnology or IntegrationLaboratory services partner for Kişiye Özel Tetkik Sigortası (Examination Insurance) providing at-home blood sample collection services and laboratory testing across multiple locations in Istanbul, Ankara, Izmir, Bursa, Antalya, and Bodrum.
• A1 Network (Acil Durumlar)coreTechnology or IntegrationEmergency medical services network providing coverage for urgent care situations across Turkey, referenced for maternity and preventive health insurance products.

Scale indicators7 records

Recent moves5 records

Expansion highlights6 records

Emerging players

• GeoBlue: US-rooted international health insurer specializing in expatriate and travel medical coverage via digital platforms. Adjacent competitor to Bupa Acıbadem's travel and global health lines for internationally mobile Turkish customers and visitors.

Broad incumbents

• Aetna International (CVS Health): International health insurer serving expatriate and globally mobile customers with worldwide provider access. Comparable to Bupa Acıbadem's 'Kişiye Özel Global Sağlık Sigortası' product line which uses similar expatriate/international value proposition.
• Cigna Global Health: Global health insurance incumbent providing individual and corporate international medical coverage across multiple geographies. Most directly comparable to Bupa Acıbadem's Global Health Insurance line through Bupa Global, where both compete for internationally mobile Turkish customers.

Direct peers

• Allianz Sigorta (Turkey): One of the largest private health and accident insurers in Turkey, with a multi-channel agency and bancassurance model. Directly comparable to Bupa Acıbadem in product scope (individual, group, supplementary health), distribution model, and target customer segments in Turkey.
• Anadolu Sigorta: One of Turkey's largest general insurers with a strong health line serving both individuals and corporates via an extensive agency network. Comparable scale, multi-line portfolio, and channel mix to Bupa Acıbadem.
• AXA Sigorta (Turkey): Major Turkish private health insurer offering individual, group, and complementary health policies through agents and digital channels. Closely comparable product architecture (modular coverage, hospital networks, corporate group) and customer base to Bupa Acıbadem.
• Generali Sigorta (Turkey): Turkish private health and accident insurer (backed by Generali Group) offering individual, complementary, and group health. Operates with a similar agent-led GTM and product modularity as Bupa Acıbadem.
• Mapfre Sigorta (Turkey): International-linked Turkish health and accident insurer competing in individual and group health, often via agency and broker networks. Comparable to Bupa Acıbadem in product breadth, network-based service delivery, and reliance on cross-border parent expertise.
• HDI Sigorta (Turkey): Turkey-focused multi-line insurer with health, accident, and supplementary health products distributed through agents and brokers. Comparable product portfolio and segment focus to Bupa Acıbadem in the Turkish market.
• Sompo Sigorta (Turkey): Japan-linked Turkish insurer with individual and group health, dental, and accident offerings distributed through agency and direct channels. Comparable product breadth and target customer profile to Bupa Acıbadem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• Xx.com/Bupaacibadem
• YouTubeyoutube.com/channel/UChld6Y6XhERwXrgm2q01HDg
• Facebookfacebook.com/bupaacibademsigorta
• LinkedInlinkedin.com/company/bupa-acibadem-sigorta
• Instagraminstagram.com/bupaacibademsigorta

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 Bupa Acıbadem Insurance