Eureko Plus Loyalty Program

Eureko Sigorta is a non-life insurance company in Türkiye and a member of Achmea. We offer customer-centric products and services through Garanti BBVA and a nationwide agency network. We focus on creating value with digital solutions, data-driven marketing, and innovative customer experience models.

If you are nominating a brand-new product or service, state the date on which it was released. If you are nominating a new version of an existing product or service, state the date on which the update was released:

New version

Describe the features, functions, and benefits of the nominated product or service (up to 2,000 characters):

We rebuilt loyalty in a category where loyalty did not meaningfully exist. Insurance traditionally has a once-a-year interaction cycle with almost no emotional connection. We broke this model by embedding a behavioural loyalty engine inside our mobile app - not as a campaign mechanic, but as a structural marketing model that turns data, engagement and economic value into renewal outcomes.

We proved that non-insurance value lifts insurance behaviour. We started in 2021 with SMEs; in 2024 we expanded to Individuals. In 2025 we built a new version: redesigned interface, ability to earn points for insurance AND non-insurance actions, instant view of savings, dynamic tiers, and AI-supported Next Best Offers. The engine calculates the premium gap to reach upper segments and recommends combinations that truly close that gap.

We do not run mass campaigns. We run behaviour-ready journeys using DWH insight, research, behavioural science and bank transaction data from Garanti BBVA. We moved from static propositioning to real-time value orchestration.

Gamification (wheel, challenges, referrals), embedded education, and personalised nudges sustain frequency. In 2026 this engine will open to ~1m eligible customers. It will be the first fully digitised loyalty engine in Turkish insurance that unifies value creation, data intelligence and segmentation based marketing into one commercial model that lifts lifetime value - not discounts price.

Outline the market performance, critical reception, and customer satisfaction with the product or service to date. State monetary or unit sales figures to date, if possible, and how they compare to expectations or past performance. Provide links to laudatory product or service reviews. Include some customer testimonials, if applicable (up to 2,000 characters):

Impact is visible before full scale. We proved behaviour value loyalty causality. Customers who benefit from the ecosystem have NPS +10 points higher than those who do not. App usage and emotional preference are significantly stronger. Customers describe us not only as an insurer but as a life partner that supports daily life.

Against control groups, the loyalty model generates structural lift. Individuals: renewal +7pp (74% vs 66%), cancellation -3pp (10% vs 13%), digital usage +40pp (54% vs 14%), tenure +2.0 years (2.8y vs 0.8y). SMEs: renewal +3pp (64% vs 61%), digital usage +21pp (37% vs 16%), tenure +1.0 year (2.3y vs 1.3y). These are not perception metrics - these are business result deltas directly linked to satisfaction and engagement.

This evidence convinced senior leadership and Achmea global. Independent research confirmed that high digital activity customers show 2x higher relationship depth and purchase potential. We are redefining the rule: insurance loyalty is not a discount game. Loyalty is a structural economic model where customers experience visible value every week - and this elevates renewal, reduces churn and expands lifetime value.

Reference any attachments of supporting materials throughout this nomination and how they provide evidence of the claims you have made in this nomination (up to 1,500 characters):

Our attachments show not only outputs but maturity of thinking. Annotated screenshots show the loyalty wallet, merged earning logic, personalised value. DWH dashboards demonstrate segment composition, behavioural clusters, renewal trajectories, cancellation leakage, and time curves - proving the engine is statistically grounded, not campaign triggered.

We include anonymised customer voice, NPS verbatims, and extracts from qualitative + quantitative research that shaped our value architecture. A rollout roadmap (2021 SME launch 2024 Individual expansion 2025 next-gen pilot 2026 full portfolio) shows how this model scaled. These artefacts prove causality: satisfaction behaviour creates economic value, and economic value creates loyalty outcomes - designed to scale end to end.