The healthcare sector is composed of a dynamic network of relationships where various products and services are offered to consumers by many undertakings operating with different business models. Under this framework, an important element of the healthcare industry is insurance activities. The market where insurance companies offer their services is characterized as a two-sided market in competition law. When a consumer with insurance takes advantage of a healthcare service falling under the scope of that insurance, a series of transactions concerning the health expenditure must be executed between the insurance company and the consumer as well as the insurance company and the contracted provider. Information technology products and services are utilized for the series of transactions on both sides of the market. This operational structure demonstrates that, in addition to undertakings operating in the health insurance market in Türkiye, private healthcare institutions as well as undertakings providing technical and operational support to such private healthcare institutions also play a significant role in the sector.

Based on the denunciations and complaints submitted to the Authority’s records, the Competition Board launched a preliminary inquiry, within the scope of which various allegations of infringement were examined, primarily including claims that insurance companies operating in the health insurance market might have engaged in conduct such as jointly determining, increasing, or maintaining premiums (prices) by reaching agreements among themselves; allocating customers, regions, or products; and exchanging sensitive information (price, cost, risk data), as well as claims that exclusionary agreements might have been concluded between insurance companies operating in the health insurance market and healthcare service providers.

After discussing the information and documents obtained and the observations made during the preliminary inquiry in its meeting of 16.03.2026, the Competition Board took the decision no 26-10/298-M, ruling that the findings were significant and sufficient, and launching an investigation on the undertakings titled

1. Allianz Sigorta Anonim Şirketi,
2. Anadolu Anonim Türk Sigorta Şirketi,
3. Ankara Anonim Türk Sigorta Şirketi,
4. Aveon Global Sigorta Anonim Şirketi,
5. Axa Sigorta Anonim Şirketi,
6. Bupa Acıbadem Sigorta Anonim Şirketi,
7. Hepiyi Sigorta Anonim Şirketi,
8. Katılım Emeklilik ve Hayat Anonim Şirketi,
9. Mapfre Sigorta Anonim Şirketi,
10. Medisa Sigorta Anonim Şirketi,
11. Prive Sigorta Anonim Şirketi,
12. Zurich Sigorta Anonim Şirketi,
13. Zurich Yaşam ve Emeklilik Anonim Şirketi,
14. Quick Sigorta Anonim Şirketi,
15. Acıbadem Sağlık Hizmetleri ve Ticaret Anonim Şirketi,
16. Memorial Sağlık Yatırımları Anonim Şirketi,
17. Özel Edremit Körfez Hastanesi,
18. SenCard Partners Bilgi Teknolojileri Anonim Şirketi,
19. Turassist Sağlık Destek Hizmetleri Anonim Şirketi

to determine if the Act no 4054 on the Protection of Competition was violated.

Respectfully announced to the public.