Sigorta Tahkim Komisyonu

What Sigorta Tahkim Komisyonu does

Sigorta Tahkim Komisyonu (Insurance Arbitration Commission) is a quasi-governmental arbitration body established on 14.06.2007 under Article 30 of Turkish Insurance Law No. 5684, headquartered in Istanbul's Üsküdar district. It provides a mandatory alternative dispute resolution forum for insurance contract disputes between policyholders and insurance companies in Turkey, operating under the supervision of the Sigortacılık ve Özel Emeklilik Düzenleme ve Denetleme Kurumu (SEDDK) and embedded within the Türkiye Sigorta ve Reasürans Şirketleri Birliği (TSB) structure. The Commission's 49 member insurance organizations include Aksigorta, Allianz, Anadolu Sigorta, Sompo, Türkiye Sigorta, Zurich, DASK, and TARSİM. It maintains a registered roster of over 400 dispute arbitrators and approximately 90 appeal arbitrators, with decisions issued within a statutory 4-month window and enforceable as court judgments.

The Commission's core product is the Tahkim e-İşlemler online arbitration portal, integrated with Turkey's national e-Devlet digital identity platform and SBM (Sigorta Bilgi ve Gözetim Merkezi) infrastructure. The platform supports online application filing, document upload, application status tracking, objection filing against arbitrator decisions, expert fee payment, and decision verification. Supporting publications include the quarterly Hakem Karar Dergisi (Arbitrator Decision Journal, Issue 66 as of April-June 2026), the E-Bülten electronic bulletin, and annual activity reports published since 2009.

Revenue is generated exclusively through transaction-based fees: tiered application fees (600 TL for disputes up to 8,500 TL, scaling to 1.8% of dispute amount above 85,000 TL), notification fees (75 TL with KEP address, 325 TL without), and expert fee pass-throughs collected via Ziraat Bank and virtual POS. The Commission does not disclose financial results and is not privately owned or venture-backed; it operates as a statutory public body within the Turkish insurance regulatory ecosystem.

Name

Sigorta Tahkim Komisyonu

Legal name

Sigorta Tahkim Komisyonu

Website

https://sigortatahkim.org

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

51–100 employees

Short description

Sigorta Tahkim Komisyonu is a Turkish quasi-governmental arbitration body that resolves insurance contract disputes between policyholders and 49 member insurers via a statutory, court-enforceable process managed through its e-Devlet-integrated online portal.

Ownership category

akta.pro rank

Product category

Insurance Dispute Arbitration

NAICS

Legal Services (5411)

SIC

Services-Legal Services (8111)

akta.pro primary industry

Litigation & Dispute Resolution (BPAHAAAB)

Keywords

• Insurance arbitration services
• Alternative dispute resolution
• Statutory insurance tribunal
• Online arbitration platform
• Policyholder dispute resolution

Headquarters

HQ city

Üsküdar

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others

Revenue model

1. Application Fees: Fees charged to applicants for filing arbitration disputes, calculated as a percentage of dispute amount or fixed rates based on tiered brackets
2. Notification Fees: Fees charged for legal notifications to parties, with reduced rates for those with registered electronic mail (KEP) addresses
3. Expert Fees: Fees paid to expert witnesses appointed for technical assessments, collected from parties and distributed to experts according to fee schedules

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Sigorta Tahkim Komisyonu is a statutory insurance arbitration body that resolves disputes arising from insurance contracts between policyholders and insurance companies through binding decisions issued by independent referee panels drawn from a maintained roster of more than 400 arbitrators and approximately 90 appeal arbitrators. Its core deliverable is the Tahkim e-İşlemler online arbitration platform integrated with Turkey's e-Devlet government identity service, which enables parties to file applications, submit documents, track cases, pay fees, file objections, and view decisions. Decisions are statutorily rendered within four months and are enforceable as court judgments.

Product overview

Sigorta Tahkim Komisyonu operates a unified electronic arbitration platform (Tahkim e-Islemler) for resolving insurance contract disputes between policyholders and member insurance companies in Turkey. The platform is built around an online portal that enables parties to file dispute applications, submit documents, file objections against arbitrator decisions, query application status, pay expert fees, and view decisions — all integrated with e-Devlet for identity authentication. The platform's core workflow involves rapporteurs who perform initial review, followed by assignment of insurance arbitrators (from a maintained list) for case resolution. Supporting the arbitration service, the Commission publishes the Hakem Karar Dergisi (Arbitrator Decision Journal) — a quarterly compilation of precedent decisions — and annual Faaliyet Raporlari (Activity Reports). The Commission's governance structure includes the Komisyon Baskanligi (Commission Presidency) and Komisyon Mudurlugu (Commission Directorate) managing operations across IT, legal affairs, accounting, internal audit, and human resources departments.

Differentiator

Problem solved

Functional benefit

Products and services

• Tahkim e-İşlemler Online Arbitration Platform

Quantifiable outcome

• Arbitration decisions issued within 4 months (extendable with party consent)
• +1 more outcomes

Named customers8 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Seven partnerships are on record, tiered core and major.

• Türkiye Sigorta ve Reasürans Şirketleri Birliği (TSB) - Turkish Insurance and Reinsurance Companies UnioncoreStrategic or Co-development Partner · 14 June 2007The Commission was established within the Turkish Insurance and Reinsurance Companies Union (Türkiye Sigorta ve Reasürans Şirketleri Birliği) as mandated by Law No. 5684 on Insurance. The Union provides administrative infrastructure and governance framework for the Commission.
• Sigortacılık ve Özel Emeklilik Düzenleme ve Denetleme Kurumu (SEDDK) - Insurance and Private Pension Regulation and Supervision AuthoritycoreStrategic or Co-development PartnerThe regulatory authority oversees the Commission's operations. The Commission Chairman is a representative of SEDDK. The Authority approves arbitrator applications and sets monetary thresholds for arbitration.
• Hazine ve Maliye Bakanlığı (Ministry of Treasury and Finance)coreStrategic or Co-development PartnerGovernment ministry that provides regulatory oversight for insurance sector and the arbitration commission as a public body.
• Sigorta Bilgi ve Gözetim Merkezi (SBM) - Insurance Information and Monitoring CentermajorTechnology or IntegrationProvides data infrastructure and information systems integration. The Commission uses SBM's online platform for e-Devlet integrated services.
• Sigorta Eksperleri Gözetim Merkezi (SEGEM)majorTechnology or IntegrationInsurance experts supervision center that supports the arbitration process by providing expert witness lists and coordination.
• Türkiye Barolar Birliği (TBB) - Turkish Union of Bar AssociationsmajorStrategic or Co-development PartnerIntegration with bar association for electronic stamp (e-pul) purchases for legal representatives and advocacy credentials verification.
• T.C. Ziraat Bankası A.Ş.majorTechnology or IntegrationOfficial banking partner for collecting arbitration fees, notification charges, and expert fees. Provides branch and ATM network for fee payments.

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• JAMS: JAMS is a major US-based private alternative dispute resolution provider with retired judges and attorneys serving as neutrals. While commercial rather than statutory, it offers the same arbitration/mediation service model the Commission provides, and competes for similar insurance and commercial disputes.
• Financial Ombudsman Service: The UK Financial Ombudsman Service is a statutory ADR body resolving disputes between consumers and financial services firms, including insurance companies. It is the closest functional analogue to Sigorta Tahkim Komisyonu in terms of statutory mandate, panel of ombudsmen/arbitrators, and consumer-protection orientation.
• American Arbitration Association: The AAA is the largest US provider of arbitration services across commercial disputes, including insurance. Like Sigorta Tahkim, it manages arbitrator panels, applies fee schedules, and issues enforceable decisions — though as a private body rather than statutory entity.
• Australian Financial Complaints Authority: AFCA is Australia's statutory external dispute resolution scheme for financial services including general insurance. It mirrors the Commission's role of binding/decision-based dispute resolution between policyholders and insurers, with a comparable fee-funded model and panel of dispute resolution practitioners.
• Singapore International Arbitration Centre: SIAC is a leading international arbitration institution handling commercial disputes including insurance and reinsurance. Comparable as an institutional arbitration body maintaining panels of arbitrators with statutory recognition of its awards under New York Convention.
• International Chamber of Commerce (ICC) International Court of Arbitration: The ICC Court is the world's oldest international arbitration body, handling commercial disputes including significant insurance matters. Comparable as a permanent institutional arbitral body with secretariat-managed case administration and published rules and decisions.
• Insurance & Financial Services Ombudsman Scheme (IFSO): IFSO is South Africa's independent ombudsman for short-term and long-term insurance disputes. It is functionally comparable to the Commission in providing free, independent, and binding dispute resolution between policyholders and insurance companies.
• General Insurance OmbudService: GIRO is Canada's national independent dispute resolution service for home, auto, and business insurance. Like Sigorta Tahkim, it provides an alternative to litigation between policyholders and insurers, with decisions issued by independent ombudsmen.

Regional players

• Hong Kong International Arbitration Centre: HKIAC administers arbitrations across commercial sectors with strong insurance and reinsurance caseload. While geographically focused on Asia-Pacific rather than Turkey, it is a peer in institutional arbitration model and panel-based dispute resolution.

Others

• Sigorta Bilgi ve Gözetim Merkezi (SBM): SBM is the Insurance Information and Monitoring Center that provides the underlying technology platform and e-Devlet integration for the Commission's online portal. It is a critical technology partner rather than a competitor — adjacent ecosystem participant.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/SigortaTahkim_
• LinkedIntr.linkedin.com/company/si%CC%87gorta-tahki%CC%87m-komi%CC%87syonu
• Instagraminstagram.com/tahkimkomisyonu
• Facebookfacebook.com/sigortatahkimkomisyonu

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Sigorta Tahkim Komisyonu