Insurance Providers
Active providers
| Provider | Products | Integration status |
|---|---|---|
| Quick Sigorta | Travel health, vehicle, DASK | Planned |
| Hepiyi Sigorta | Travel health, complementary health | Planned |
| Sompo Sigorta | Vehicle, Kasko, DASK | Planned |
| Türk Nippon Sigorta | Travel health, vehicle | Planned |
| Doğa Sigorta | Vehicle, home, DASK | Planned |
| EMAA | Travel health, complementary health | Planned |
| Arex Sigorta | Vehicle, travel | Planned |
| Ankara Sigorta | Travel health | Planned |
Quick Sigorta
Primary product: Travel health insurance for residence permit applicants.
Quirks:
- Policy document is issued as PDF via email — must be retrieved and stored in the Document system
- Quote validity: 24 hours — do not send quotes to customers without confirming they are ready to purchase
- Name on policy must match passport exactly (including middle names)
- Does not accept expired passports as input — validate before quote request
API notes:
- REST API; JSON request/response
- Sandbox and production environments are separate credentials
- Rate limit: 100 requests/minute
Hepiyi Sigorta
Primary products: Travel health, complementary health.
Quirks:
- Complementary health plans require proof of existing SGK coverage — cannot issue without verification
- Policy start date must be within 30 days of application date
- Coverage dates must be in Turkish format (DD.MM.YYYY) in the API request despite JSON structure
Sompo Sigorta
Primary products: Vehicle (traffic), Kasko, DASK.
Quirks:
- Vehicle plate number required for traffic insurance — validate format (Turkish plate or foreign plate type)
- Kasko pricing requires vehicle inspection report for vehicles over 5 years old
- DASK is issued through the national DASK platform via Sompo’s gateway — standard DASK limitations apply
DASK (national system)
DASK is not a private insurer — it is the national earthquake insurance system. All licensed insurers are gateways to the same DASK platform.
Key rules:
- Every residential building must have DASK
- Coverage is standardized by the government; only the building structure is covered (not contents)
- Maximum coverage limits are set by DASK — contents and above-limit coverage needs additional home insurance
- DASK must be in the name of the property owner
- Certificate number (poliçe numarası) is what matters — store this in the Policy record
Pricing factors:
- Building type (masonry, reinforced concrete, prefab)
- Building age
- Floor area (m²)
- Province and seismic zone
Integration notes for all insurers
- Always store the provider’s own policy reference number (
policy_number) in the Policy record alongside Ikamet’s internalpublic_id - Policy documents must be fetched and stored in Cloudflare R2 — do not rely on insurer’s document links (they expire)
- Commission rates are tracked separately — do not mix commission logic with the policy issuance flow
- All API credentials must be in environment variables, never in source code