Turkiye Sigorta, the biggest non-life insurer in the country, has a TRY 32 billion (USD 735 million) premium gap to the second biggest player, providing a structural competitive advantage, the company said in a statement on its financial results for the financial year ended 31 December 2025, Middle East Insurance Review wrote.

Turkiye Sigorta commented on the performance of the various branches of insurance as follows:

General Losses (including Agriculture): Despite once-in-a-decade frost events in April 2025 that led the General Losses Combined Ratio to be 95%, the diversified portfolio absorbed the shock. Proactive farmer education and risk awareness initiatives help ESG integration into business processes.

Fire & Natural Disasters: Capacity significantly expanded, positioning Türkiye Sigorta with the highest fire capacity in the market. Two new strategic focus areas were identified: Turkish interests abroad (Balkans, Europe, Africa, Central Asia) and electronic device insurance (targeting mid-size retailers).

Health Insurance: This was the fastest-growing segment in the entire non-life sector. Turkiye Sigorta achieved its strategic target of reaching third position in health insurance within three years, ahead of schedule. Individual products demonstrated loss ratios below 100%, validating the strategy. Cross-selling penetration proved critical to growth, while hospital network optimisation across Bronze, Platinum, and Diamond tiers enabled competitive pricing without margin sacrifice.

MTPL: The combined ratio improved to 143% from 174%, with a TRY 3.4 billion reduction in losses y-o-y. The company’s eighth position in this segment while leading overall market demonstrates disciplined capital allocation.

Motor Own Damage: The company secured second position in both premium production and policy count.

“We achieved record profitability not through temporary gains, but through technical performance in our core insurance operations – the truest measure of an insurer's capability", said Turkiye Sigorta‘s General Manager Taha Cakmak. “Our 2026 strategic focus is clear: making insurance accessible to all segments of society while sustaining profitable growth. We combine strong commitment to agile investment management capabilities with dedication to promoting value generation that drives sustainable profitability”, he added.