Wiyo

Wiyo (legal name: Turkcell Dijital Sigorta A.S.) is a direct-to-consumer digital insurance carrier licensed in Turkey, operating under the brand Wiyo as a subsidiary of Turkcell, the country's largest telecommunications company. Founded in 2022, it focuses on personal non-life insurance products distributed through digital channels, with particular emphasis on smart device protection and mobile-integrated billing.

The company leverages Turkcell's telecommunications infrastructure to deliver insurance products directly to mobile subscribers via digital processes. A key differentiator is the "Faturana Yansit" (bill reflection) feature, which allows Turkcell customers to pay insurance premiums directly through their phone bill. This integration gives Wiyo distribution reach across Turkcell's subscriber base without traditional agent or broker intermediaries.

Wiyo is capitalized at 355,000,000 Turkish Lira and holds licenses across multiple insurance branches in Turkey, including accident, health, general damages, liability, and legal protection. As a wholly owned subsidiary of Turkcell Finansman A.S. (itself a Turkcell subsidiary), it operates within Turkcell's broader financial services strategy rather than as an independently funded entity.