With a bold commitment to the future of insurance, Allianz Turkey has achieved a remarkable milestone by processing its 100 millionth health claim through its artificial intelligence-driven Smart STP system. This achievement represents not only a technological breakthrough but also a major step in reshaping how health insurance claims are managed across the industry.
By embedding artificial intelligence into its decision-making mechanisms, Allianz Turkey has reduced human intervention in health claim processing by an impressive 92%. The system allows health policyholders to receive decisions within seconds, significantly improving response times and customer satisfaction. Designed on a next-generation infrastructure supported by deep learning, Smart STP is a continuously evolving model capable of scaling efficiently as data demands grow.
Driving Innovation Through AI Investment
According to Fahri Kaan Toker, Deputy General Manager of Operations at Allianz Turkey, the company’s ambition has always been to go beyond technological upgrades and establish a data-centered ecosystem. Over the last three years, Allianz Turkey has invested €3 million into artificial intelligence initiatives. These investments aim to strengthen operational intelligence, reshape business processes, and bring forth a truly data-driven enterprise.
Toker noted that Allianz Turkey views AI as both a tool for progress and a means of human empowerment: “Our goal is to transform data into smarter decisions and improve every aspect of the policyholder experience.” This philosophy supports the company’s broader vision of building a faster, more adaptive, and human-centered insurance environment.
Smart STP as a Catalyst for Sector-Wide Change
Allianz Turkey’s Smart STP platform has emerged as a strategic transformation driver within the national insurance landscape. Serving more than 2.3 million health policyholders, the company continues to place customer well-being at the forefront of every innovation. Smart STP has successfully processed over 10 million automated health provisions so far, contributing to a more efficient and transparent service model.
Toker emphasized that this initiative symbolizes more than digital advancement—it’s a shift in the industry’s operational DNA. Smart STP demonstrates how artificial intelligence can empower institutions to deliver services that are not only faster but also ethically managed and human-guided. This project establishes a precedent for subsequent digital transformation ventures across the insurance market.
Ethical and Secure AI Framework
Allianz Turkey ensures that all AI processes are designed with a fundamental priority on data protection and user privacy. Thanks to its proprietary infrastructure, the company maintains full control over data flows, ensuring that sensitive information remains well-protected while fostering transparent AI applications. Toker further underlined that the company’s ethical approach allows AI to function as an assistant—never as a decision-maker—preserving the essential human element in each operation.
Through a combination of cutting-edge technology, ethical responsibility, and human insight, Allianz Turkey continues to redefine what is possible in the insurance sector—turning automation into empathy-driven efficiency.
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