Who Are We?

Mark Sigorta Aracılık Hizmetleri Anonim Şirketi was established in 2021. Our company operates as an insurance agency and helps users complete insurance applications, receive quotations, pay premiums, follow policy issuance, receive policies and track applications online in a more convenient way.

In insurance transactions, choosing the right product is as important as entering application details correctly, selecting a policy period that fits the need and carefully checking the issued policy. As Mark Sigorta, our aim is to make this process clearer, more organized and safer for the user.

Our company may assist with application and policy processes for travel health insurance, health insurance for foreign nationals coming to Turkey, insurance products connected with visa, entry or residence procedures, and other products offered by the insurance companies for which we are authorized.

Mark Sigorta operates as an insurance agency. The party that provides insurance coverage is the relevant insurance company issuing the policy. For products offered by the insurance companies for which we are authorized, Mark Sigorta carries out agency services such as receiving applications, managing quotation or policy processes, collecting premiums, delivering policies and informing users.

Our company is an authorized agency of Gulf Sigorta A.Ş. and Quick Sigorta A.Ş. This authorization allows transactions to be carried out within the product, branch, technical infrastructure, pricing and policy issuance rules determined by the relevant insurance companies.

As an insurance agency, Mark Sigorta does not act in place of the insurance company and does not make final decisions on risk acceptance, scope of coverage, claim decisions or indemnity payments. Policy issuance, scope of coverage, exclusions, claim assessment and indemnity processes are evaluated according to the policy terms, general conditions, special conditions and legislation of the relevant insurance company.

For foreign nationals traveling to Turkey or planning to stay in Turkey for a certain period, health insurance is in many cases an important part of the travel plan. The policy period, insured person’s details, passport or travel document details, coverage start and end dates, geographical validity area and scope of coverage may be important for visa, entry, residence or other official procedures.

Under Article 15/1-e of Law No. 6458 on Foreigners and International Protection, visa applications of foreigners who do not have valid health insurance covering the period of their stay may be evaluated negatively. For this reason, in policies to be used for entry to Turkey, visa or residence purposes, the accuracy of the insurance period, personal details and document details is highly important.

This provision does not mean that the same policy type is suitable for every foreign national in every situation. Insurance needs may vary depending on the purpose of travel, length of stay, application type, age, nationality, travel document and the assessment of the relevant authority. Before purchasing a policy, the user should carefully check the policy type, duration, coverage and suitability for the intended use.

The services provided through Mark Sigorta may vary depending on the selected insurance product and the procedures of the relevant insurance company. In general, we support users in the following areas:

• Receiving application details: We allow users to submit the country, travel document, travel date, policy period, identity, passport and contact details required for an insurance application online.
• Information review: We help review the information shared during the application for obvious errors, missing details or inconsistencies.
• Quotation and policy process: We carry out the necessary agency procedures so that the appropriate product, policy period, premium amount and any additional coverage can be displayed according to the application details.
• Premium collection: For authorized products, we may enable the insurance premium or related payment items to be collected through a secure payment infrastructure.
• Policy delivery: We support the delivery of the issued policy to the user by e-mail, SMS link, tracking screen or other electronic channels.
• Tracking and support: We help guide users to the appropriate channel for application status, payment status, policy delivery, corrections, cancellations or refund requests.
• Claim and assistance guidance: We may provide general information and guidance in claim, medical assistance, assistance service or indemnity processes. The final assessment rests with the relevant insurance company.

An insurance application usually consists of several basic steps. The user first selects the insurance type, the issuing country of the travel document, the travel dates and the policy period. Then identity, passport or travel document details of the insured person, contact information and other information required by the product are provided.

Based on the application details, suitable product, policy period, premium and any additional coverage information may be displayed. Before proceeding to payment, the user should check the selected product, policy period, total amount, payment items and application information.

After payment is completed, the policy is issued through the relevant insurance company system or agency infrastructure. Once the policy is issued, it is delivered to the user electronically. After receiving the policy, the user should carefully check the name, surname, date of birth, passport or identity details, policy start and end dates, coverage limits, geographical scope, exclusions and special conditions.

Through our website, applications may be made for travel health insurance, health insurance for foreign persons coming to Turkey, insurance products connected with visa, entry or residence procedures, and other insurance products offered by insurance companies for which we are authorized.

Insurance products may vary according to the insured person’s age, nationality, travel document type, travel start and end dates, length of stay, selected policy period, coverages, the insurance company’s risk acceptance rules and the special conditions of the relevant product. Product descriptions on the website are provided for information purposes.

The final and binding insurance coverage is determined according to the issued policy document, special conditions, general conditions and the assessment of the relevant insurance company. Before purchasing a policy, the user should review the coverage limits, policy period, geographical validity area, exclusions, cancellation and refund conditions, waiting periods and special conditions.

It is important to us that users can clearly see which insurance product they are paying for, for which policy period and in what amount. The payment screen may show the insurance premium, any additional coverage fees, payment infrastructure costs, bank or card transaction fees and other applicable payment items.

Card payments are carried out through payment service providers, banks or virtual POS infrastructures. Card details are processed through secure payment infrastructures. Mark Sigorta does not store the full card number in its own systems; it may process limited transaction information provided by the payment provider for payment security, accounting, invoicing, refund and dispute management purposes.

Completing the payment alone does not necessarily mean that insurance coverage has started. For coverage to begin, the policy must be issued, a valid record must be created in the insurance company system and the start date specified in the policy must have arrived.

Mark Sigorta processes transactions based on the information provided by the user. The accuracy, completeness and up-to-date nature of the name, surname, date of birth, passport or identity details, nationality, travel document type, travel dates, policy period, e-mail address, phone number and other information shared during the application are the user’s responsibility.

If incorrect, incomplete, misleading information or information inconsistent with official documents is provided, the policy may be issued incorrectly, may be deemed invalid, problems may arise in official procedures, the claim process may be negatively affected or an indemnity request may be rejected. Mark Sigorta may check the formal suitability or consistency of application information; however, the final responsibility for the truthfulness and up-to-date nature of the declared information belongs to the user.

Issuance of a policy does not guarantee acceptance by official authorities, entry to Turkey, visa, residence, claim approval or indemnity payment. Entry to Turkey, stay, visa, residence or border procedures are under the authority of the relevant official authorities; assessments regarding claims, indemnity and insurance coverage are under the authority of the relevant insurance company.

During insurance application and policy processes, identity details, passport or travel document details, contact information, travel information, limited information relating to payment transactions, policy information, support requests and, where necessary depending on the nature of the insurance product, health or claim-related information may be processed.

These data may be processed for receiving the insurance application, carrying out quotation or policy processes, premium collection, invoicing, policy delivery, application tracking, support services, claim or assistance guidance, payment security, prevention of abuse and fulfilment of legal obligations.

Personal data are processed within the framework of applicable personal data protection legislation, the Privacy Policy on our website, KVKK disclosure texts and the personal data processing notices of the relevant insurance companies. Our basic approach is not to sell personal data to third parties for commercial purposes.

As Mark Sigorta, we do not see the insurance application process merely as filling in a form and receiving payment. For us, it is important that policy details are entered correctly, the policy period is compatible with the travel or stay plan, insured person details match official documents and the user receives and understands the issued policy.

We aim for users to clearly see which insurance product they are applying for, what information they share, what amount they pay, between which dates their policy is valid and for what purpose they can use the policy. For this reason, we try to make application, payment, policy delivery, tracking and support processes as clear and orderly as possible.

We do not make unrealistic promises. Insurance coverage is governed by the policy terms, claim processes by the assessment of the insurance company, and official procedures by the decisions of the relevant authorities. Our focus is to help users apply with accurate information, review their policy carefully and obtain support through the right channel when needed.

Thank you for choosing us.