Hepiyi Sigorta A.S. (lead was 'Hepiyiguvence') review

The payment model is monthly and monthly payments are available, so policies are arranged on a recurring basis rather than paid as a single annual sum. That suits people who would rather spread the cost of their cover across the year, and it sits alongside the auto, health and travel range.

The excess starts at TRY 100 on supplementary health cover, so the policyholder carries the opening part of a treatment bill. It applies to the complementary health product, and anyone budgeting for private treatment alongside the public system should leave room for that amount.

Oversight sits with the Insurance Supervisory Board in Turkey, and the insurer's registration is recorded as Ticaret Sicil No 330969-5; Mersis No 0306118003500001. The company trades as Hepiyi Sigorta A.S., is based in Turkey and was founded in 2021.

Claims can be started on web, phone and app, so a phone call, the app, the website or an agency can each open a claim. The agency route suits anyone who prefers to deal with a person face to face, while the app keeps the process on the customer's own device.

Support runs on phone and help centre, a phone line and a help centre. Claims work through a wider set of routes, so a question about an existing policy is handled through support, while a new claim is opened on the claims channels.

The cover on offer is auto, health and travel, which spans a car, health, travel and home policy under a single provider. Buyers wanting pet, life, motorcycle or gadget cover would need to look elsewhere, since those lines are not part of the range here.

Travel health medical treatment is covered up to Travel health medical treatment up to EUR 30,000, and that figure is the ceiling for treatment abroad rather than a total policy value. Anyone expecting costly hospital care on a trip should weigh that limit against the treatment they might need.

Supplementary health cover accepts the whole age range, from young children through to older adults, while travel health cover starts at a minimum age. Car and home cover sit alongside both within the auto, health and travel range.

Hepiyi Sigorta A.S. is based in Turkey and sells into a single market, so its underwriting, pricing and claims all sit in the same jurisdiction. Residents of other countries are usually better served by a provider registered where they live.