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Allianz Türkiye Reaches 100 Million Authorizations with Artificial Intelligence
Support

million euros in artificial intelligence projects over the past
three years, and we have now begun turning the experience
gained from these investments into value.

From this point forward, we are transforming all our op-
erations and business workflows to operate through an ‘ar-
tificial intelligence lens.’ In a sector like insurance, which
directly touches human life, we continue to use technology
effectively with the goal of accompanying the lives of our
policyholders from today into tomorrow, building a system
that is smarter, faster, and closer to human needs.”

Smart STP as a strategic transformation tool

Toker stated that they have redesigned the customer experi-
ence journey end-to-end through innovative projects and the
transformations they have created, noting that the Smart
STP project represents a new milestone for the insurance
sector. He said: “Allianz Türkiye is the first choice in the
health field for our 2.3 million policyholders. With this re-
Allianz Türkiye, a pioneer of next-generation insurance, con- sponsibility, in an area like health insurance that directly
tinues to invest in artificial intelligence technologies with the touches human life, we use technology to offer more—with-
goal of becoming a data-driven company across all business out losing the human touch. With this approach, we devel-
processes. With this vision, the company has implemented oped the Smart STP project and launched the first artificial
the Smart STP project, which handles health insurance au- intelligence–supported system in the Turkish insurance sec-
thorization processes with 92% automation through arti- tor that increases the decision-making mechanism in health
ficial intelligence, without human intervention—redefining insurance authorization processes to 92% automation. With
industry standards in AI usage within the insurance sector. the support of Smart STP, which has processed more than
10 million health claims to date without human intervention,
Reaching its 100 millionth authorization in 2025, Allianz Allianz Türkiye reached its 100 millionth authorization ap-
Türkiye processes health insurance authorization requests proval in a short time.”
within seconds with the support of Smart STP, effectively
eliminating waiting times for approvals at hospitals. With a Toker added: “Our Smart STP project is not only a tech-
strong technical infrastructure ranging from deep learning nological innovation; it also makes us proud as a strategic
algorithms to next-generation architecture, Smart STP is transformation tool. As the first project in our sector to pave
designed as a self-improving and scalable system. the way for artificial intelligence–supported automation, we
hope it will inspire future digitalization initiatives.”
Three-Year, Three-Million-Euro Investment in Artificial
Intelligence Projects Explaining that they develop high-performance, reliable, and
efficient artificial intelligence applications through the in-
Allianz Türkiye Assistant General Manager of Operations frastructure investments they have made, Toker said: “This
Fahri Kaan Toker stated that they are advancing their dig- infrastructure ensures that data privacy remains under the
italization journey at every point and operating with the company’s control, providing a critical advantage in terms
vision of being a company that leads technology in the in- of personal data protection.
surance sector. He said: “As Allianz Türkiye, we see artifi-
cial intelligence as more than just technology; we use these This approach enables artificial intelligence to act entirely
technologies to create value for people and to reshape the as an assistant, ensuring that control remains with humans
sector’s economic outcomes. This vision makes the insurance and setting a new standard in our sector in terms of opera-
of the future possible today. To become an organization that tional efficiency, data security, and the ethical and transpar-
transforms data into better decisions, we have invested 3 ent use of artificial intelligence.”