Page 8 - Turkinsurance Digital Magazine

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In addition, we are also interested in new Insurtech initiatives. As In-
surtech technologies become more widespread over the world, a new
ecosystem has also begun to emerge in our country with new initia-
tives and investments. In this respect, we launched a project named
“Astart” as of 2018 in cooperation with İşBank’s Work-Up program,
with the aim of supporting innovative initiatives for the insurance
market. Through “Astart”, we intend to make a contribution to the
“Digital Insurance” world by supporting many initiatives ranging
from early-age technology business ideas to business ideas that have
already received investments.

Within the scope of our Hackathon event, we have been trying to
find innovative ideas that will forge a sustainable bond with insurance
products and services, and simplify daily life for the last two years.
Our door is always open to developers and designers who enjoy devel-
oping new projects and wishing to bring forward new ideas.

As digitalization becomes more and more widespread today, cy-
ber-risks increase in both individual and corporate levels. Which
products of Anadolu Sigorta offer protection against cyber-risks
for retail and corporate customers? Do these products attract
satisfactory attention?

In 2017, we developed Personal Cyber Insurance against cyber risks
for the first time in Turkey. With this product, we offer our policy-
holders support and, if necessary, legal consultancy services in case
they suffer from identity theft, fraud or abuse of payment tools, online
use of our distribution channels to perfecting the customer experi- shopping conflicts and damage of reputation in virtual world. Last
ence, from increasing the productivity of our business processes to year, we launched our Commercial Cyber Insurance product, which
supporting new initiatives. was also a first in Turkey. This policy considers all cyber risks and
purchasing tendencies of commercial businesses and SMEs. It is an
We continue to develop the services we offer to our customers on innovative and standard protection package insuring the policyholder
internet and mobile platforms. On the distribution side, we support against the potential losses of data leakage and breaches such as data
our agents for online sales within the scope of Digital Agent Project protection, business interruption, data security and privacy liabilities,
(DAP). Moreover, we use artificial intelligence technologies such cyber-ransom, and data breach costs.
as neurolinguistics programming and machine learning efficiently
in our daily activities, with the aim of accelerating our processes, We can say that our new products for cyber risks attract a great deal
creating cost advantage and pioneering innovative projects. More- of attention.
over, we increase the number of our products offered via İşBank’s
digital channels. What are Anadolu Sigorta’s strategies towards increasing profit-
ability in the auto line?
We believe that companies using artificial intelligence technologies
efficiently will be differentiated from others. “AS’lı” is a sample of Cost increases in the auto line make a negative impact on technical
“Robotic Process Automation” and one of our innovative works. In profitability. Insurance market went through difficulties in achieving
2018, we improved most of our processes using RPA technologies, premium/loss balance due to cost increases in 2018; and unfortunate-
and began to conduct standard transactions that consume a lot of ly cannot make money from main insurance activities excluding the
our resources using AS’lı. financial revenues. We cannot reflect the increase in claims costs onto
our premiums. In other words, we share our financial income with our
We believe that robotic technologies add value to our business un- policyholders. That’s why, we offer considerably cheaper products
der 3 main titles including automation, optimization and transfor- which comply with the current economic environment. For instance,
mation. Using these technologies, we make our expert workers give we have Hesaplı Kasko (Cheap Casco) and Pert Kasko (Scrapped
up linear operations that do not require any capability of creative Casco) products in motor casco line. We enrich traffic insurance with
decision making, and direct them towards works of higher added additional packages. We have begun to offer new alternatives to our
value. Plus, we can make robots work 365 days a year and 24 hours customers depending on their budget and requirements with our new
a day; which increases the maturity of our processes in terms of Traffic Road Assistance product.
optimization and continuity.
How does Anadolu Sigorta plan to shape their distribution chan-
In the short term, we will launch some designs that can be called nel strategy for 2019? Could you inform us about the 2019 strat-
“smart automations” by positioning robotic technologies together egies, especially for the bank channel?
with artificial intelligence, image processing, and optical character
recognition technologies. Agents are still our most important channel. Customers prefer to
work with insurance companies through channels that they can di-