Investor Brief Overview
Health Tourism Fintech Platform A Trust Infrastructure for Turkey’s Health Exports
This deck presents a fintech and insurance infrastructure designed to grow Turkey’s health tourism revenues while addressing its most critical structural weakness: the trust and oversight gap. The model transforms today’s largely informal and opaque patient flows into a transparent “secure corridor” governed by insurance policies, AI-assisted medical review and traceable payment flows.
In the following sections, we walk through the global market size and Turkey’s current position, the sector’s structural risks, the redesigned patient journey, the financial model and unit economics, and the platform’s competitive moat. The objective is not only to share numbers, but to demonstrate how a regulation-, insurance- and fintech-driven architecture can unlock sustainable, scalable and compliant growth in Turkey’s health export industry.
Section 1
MARKET SIZE AND STRATEGIC OPPORTUNITY
This section frames the global health tourism market, which is on track to reach approximately 704 Billion US Dollars, and clarifies Turkey’s current share of this pool. Today, Turkey generates around 3 Billion US Dollars in health tourism revenues, while public policy targets are set at 12 Billion US Dollars. The resulting gap of roughly 9 Billion US Dollars represents a sizeable, yet structurally under-served profit pool.
- • Global market size of 704 Billion US Dollars and Turkey’s c. 2.1% share
- • A 9 Billion US Dollar delta between current revenues and policy targets
- • The unrealised value that could be captured by bringing informal and unregulated patient flows into a transparent, regulated corridor
For investors, this section positions the platform not merely as a product idea, but as a vehicle targeting a clearly defined and under-monetised segment of a rapidly growing export market.
Section 2
THE SECTOR’S BREAKING POINT: STRUCTURAL CHAOS AND TRUST CRISIS
This section focuses on the risks behind the growth story. High levels of informality, “back-street” operators, aggressive and unregulated marketing, and a growing number of high-profile adverse events in international media are eroding trust in Turkey’s health brand and threatening the sustainability of export revenues.
- • Informal economy levels reaching up to 40% across parts of the value chain
- • Negative case stories and fatalities reported in UK and EU media
- • A 111% increase in travel agent bankruptcies and sharply rising patient acquisition costs
The aim here is not to dramatise the problem, but to clearly articulate the systemic failure that, once fixed, can unlock substantial and sustainable value.
Section 3
OPERATIONAL EXCELLENCE AND TRANSFORMATION: “JOHN’S JOURNEY”
In this section, we follow “John”, a patient travelling from the United Kingdom to Turkey for a hair transplant, through two scenarios: the current “Old World” and the redesigned “New World”. In both cases, John is the same person, with the same clinical need and a comparable medical outcome. What changes is the structure of the journey, the level of protection and the distribution of financial and legal risk.
- • The traditional flow: WhatsApp contact, unclear pricing, cash payments and limited legal recourse
- • The new flow: insurance policy as entry point, fintech escrow account and AI-assisted medical oversight at each critical step
- • Re-aligned incentives between hospital, agency and insurer built around patient safety and compliant billing
This makes the impact of the platform tangible: improved patient protection, reduced chargeback and reputational risk, and a cleaner, auditable pathway for international payers.
Section 4
PROJECT PURPOSE AND GLOBAL VISION
Here, we position the platform not only as a Turkish solution, but as a replicable regulation and fintech infrastructure for cross-border health travel. Rather than belonging to a single hospital group or agency, the platform is designed as a neutral “trust layer” connecting all major stakeholders.
- • A network-based, multi-country architecture rather than a single-country product
- • A shared infrastructure for hospitals, agencies and international insurers
- • The potential for Turkey’s “trust-first” model to become a regional reference standard in health exports
For investors, this translates into early exposure to a platform that can expand beyond a single market and leverage regulatory complexity as a long-term advantage.
Section 5
FINANCIAL PROJECTIONS AND REVENUE MODEL
This section summarises the three-year projections for revenue, profitability and return on investment. Key assumptions – policy volumes, average premium, transaction values and revenue-sharing ratios – are presented transparently. On the cost side, a lean team structure and strategic outsourcing enable a scalable yet disciplined operating expense profile.
- • Net revenue potential of approximately 4.1 Million US Dollars in Year 3
- • An expected investor return of around 85% over the investment period
- • Revenue pillars: share of insurance premiums, transaction-based platform fees and fintech revenue-sharing agreements
The outcome is a business model with positive cash flow characteristics, improving margins as scale increases and a high capital-efficiency profile.
Section 6
COMPETITIVE ADVANTAGE AND DEFENSIBLE ENTRY BARRIERS (MOAT)
This section details the structural barriers that make the platform difficult to replicate. Insurance integrations, licensing requirements, regulatory compliance and the accumulated data asset together form a moat that compounds over time.
- • Licensed insurance integrations and blocked accounts that require regulatory approvals
- • Strong network effects between hospitals, agencies and insurers as more stakeholders join the platform
- • A growing pool of medical and financial data feeding AI models and creating a continuously improving “learning system”
For investors, this translates into a platform that is not only attractive in terms of economics, but also protected by meaningful structural and data-driven barriers to entry.
Section 7
CONCLUSION AND INVESTOR CALL
The platform is positioned at the intersection of a rapidly growing demand curve and a structurally fragile delivery model. On one side sits Turkey’s expanding clinical capacity and compelling price-quality proposition; on the other, a trust deficit driven by informality, lack of oversight and inconsistent patient experience.
Our proposal is to rebuild this equation around a policy-centric patient journey, AI-assisted clinical review and a fintech-driven, fully traceable payment architecture. The result is a “secure corridor” where risks are identified, priced and monitored – for patients, providers and payers alike.
From an investor perspective, the project represents a high-margin, scalable and network-driven platform business. The projected net revenue of around 4.1 Million US Dollars in Year 3 and an expected return of approximately 85% reflect the leverage that can be generated by formalising and regulating today’s informal flows.
The founding team combines nearly 25 years of on-the-ground healthcare experience with insurance, fintech and regulatory expertise. Early conversations with hospitals, agencies and insurers indicate that the problem is real, the pain points are recognised and there is appetite for a neutral, well-governed solution.
Our ask at the end of this deck is not only that you consider the financial model, but that you assess the opportunity to co-create a new, trust-based standard for Turkey’s health exports. Should the vision resonate, we would welcome a focused 60-minute session to walk through the technical architecture, regulatory roadmap and detailed financial assumptions.
In short, this is not just a volume play in medical tourism; it is a strategic infrastructure bet on making trust, compliance and transparency the core differentiators of Turkey’s health export story.
Investment Snapshot
- Positioning Neutral trust infrastructure for health tourism, combining insurance, fintech and AI-assisted medical oversight
- Year 3 Target 4.1 Million US Dollars net revenue and margin expansion with scale
- Investment Thesis Platform business model strengthened by regulation, licensing and a growing, data-driven moat
- Next Step Deep-dive investor meeting on tech and financials, followed by proof-of-concept and strategic partnership discussions
Additional Detail
Frequently Asked Investor Questions
The following questions and answers summarise typical topics raised in investor meetings and are intended to help you assess the project in more depth.
CATEGORY 1: COMPETITION AND MARKET
CATEGORY 2: FINANCIALS AND BUSINESS MODEL
CATEGORY 3: OPERATIONS AND TEAM