Financial Inclusion Policy
PURPOSE AND SCOPE
As Türkiye Sigorta A.Ş., in line with our mission to provide security to all segments of society, we recognize financial inclusion as one of the fundamental pillars of our corporate policy. This commitment aims to ensure that all individuals—particularly those with limited or no access to insurance services, communities affected by disasters, and economically disadvantaged groups—can benefit from insurance coverage in an equitable, fair, and accessible manner.
This policy applies to all departments that are directly or indirectly involved in our product and service development, sales, distribution, communication, and customer support processes.
1. OUR APPROACH TO FINANCIAL INCLUSION
At Türkiye Sigorta, our approach to financial inclusion is shaped by the following principles:
Developing tailored solutions for individuals who lack access to insurance due to economic or geographical reasons, thereby expanding access to protection
Enhancing economic resilience through our post-disaster services
Raising awareness and promoting insurance literacy through education and awareness programs targeting disadvantaged groups such as persons with disabilities, the elderly, women, and youth
Establishing structures that support financial inclusion through sectoral collaborations and public-private partnerships
2. OUR FINANCIAL INCLUSION STRATEGY
Our financial inclusion strategy is structured around four main pillars:
Product and Service Development: Offering low-premium insurance products tailored for individuals living in disaster-prone areas such as those affected by earthquakes, floods, and fires; developing integrated insurance policies in coordination with social assistance programs.
Disaster Resilience and Emergency Response: Providing comprehensive disaster coverage to support the reintegration of uninsured individuals into economic life following catastrophic events.
Community Engagement and Education: Enhancing trust in and awareness of insurance through inclusive campaigns; delivering local-level educational initiatives in collaboration with civil society organizations.
Monitoring and Improvement: Expanding our reach by periodically monitoring financial inclusion indicators to identify underserved populations and tailor our services accordingly.
3. OUR CORE PRINCIPLES AND PRACTICES
At Türkiye Sigorta, we implement our financial inclusion initiatives in alignment with the company’s strategic objectives and with a long-term perspective. The core principles and implementation practices adopted in this regard are outlined below:
Inclusive Service Delivery: Expanding our service network nationwide to enhance access to insurance services and ensure inclusion across all geographical regions is one of our key priorities. Through our investments in digitalization and our mobile application, we are able to reach customers even in areas with limited physical access.
Data-Driven Approach and Impact Measurement: To measure the effectiveness of our financial inclusion efforts, we regularly monitor and analyze indicators such as insurance penetration rates, policy ownership data, and demographically segmented access metrics. These data points inform our efforts to identify underserved groups and guide the development of new services.
Disaster-Oriented Solutions: To support the reintegration of economically vulnerable communities into economic life following disasters, we offer disaster-covered products and regionally supported premium incentives. Field-based rapid response and recovery operations are prioritized to address post-disaster needs efficiently.
Partnerships and Social Contribution: Through collaborations with public institutions, local governments, and non-governmental organizations, we integrate insurance products into social assistance programs, thereby aiming to enhance social impact and community well-being.
Sustainability and Transparency: All activities related to financial inclusion are shared with the public in a transparent and regular manner through our Integrated Annual Report and corporate website. Our contributions to the Sustainable Development Goals (SDGs) are reported on an annual basis.
4. CORPORATE GOVERNANCE AND COMMITMENTS
The monitoring and strategic oversight of our financial inclusion strategy are carried out by the Corporate Governance and Sustainability Committee of Türkiye Sigorta.
In addition:
We directly contribute to the United Nations Sustainable Development Goals (SDGs), specifically Goal 1 (No Poverty), Goal 10 (Reduced Inequalities), and Goal 11 (Sustainable Cities and Communities).
Collaborative initiatives are conducted with relevant public authorities, municipalities, NGOs, and financial institutions when necessary.
All activities related to financial inclusion are disclosed transparently to the public through our annual integrated report and corporate website.
This policy enters into force upon approval by the Board of Directors of Türkiye Sigorta A.Ş. Amendments to this policy may be made by Board resolution when deemed necessary.