1. Digital Agricultural Services for Insurance
October, 2018

2. Applications in Insurance and Risk Management
Agenda
Overview of Doktar
Applications in Insurance and Risk Management

3. Who we are January 2012 Established
Improve agriculture via informed decisions.
Purpose
Agricultural Know-How, Software and Hardware Development, Big Data Analysis, Image Recognition, Risk Modelling
Capabilities
2 offices (Istanbul & Izmir) in Technology Development Zones – Team of 25
Offices
Highlights
More than 500k registered farmers
Phenological development models for 117 crop types.
Tens of algorithms for fungal diseases, irrigation and fertilization programs
1.2M hectares of land digitally tracked
Clients in 6 countries

4. Doktar accelerates agriculture by informed decisions and ...
Who
How
Tools
Farmers
Input players (seed, chemicals, fertilizer, etc...)
Financial Institutions
Tractor & equipment players
Food companies
Governments
Consumers
Data driven decision making
Operational improvement with a holistic approach
Bottom up agricultural monitoring & market intelligence
Value chain management
Supply chain visibility
Risk assessment
Field presence
Agronomist hotline
Mobile apps
Plant growth simulation
Satellite images
IoT sensor stations
GPS tracking
Machine learning
Image recognition
Source:
Doktar

5. Clients served by Doktar – Partial Client List
Source:
Doktar

6. We offer conventional and digital yield optimization and farmer relationship management services for agricultural players.
Conventional Services
Digital Services
Sources:
Doktar

7. Doktar can enhance farmers’ performance by Personalized Crop Grower Protocols and Farmer Support Line
Personalized Grower Protocol via SMS
Conventional Service
Farmer Support Line
Conventional Service
Growers are registered along with their fields’ location, size, crop variety and plantation date.
Farmers receive personalized fertilization, fungal and insect protection, hoeing and harvesting advices based on phenological development of their grower.
Grower protocols localized with local agricultural experts for each crop variety.
Doktar also sends a three-day field level weather forecast and agricultural warnings.
Other valuable information such as crop and input prices, government grants are also delivered
All farmer question are to be answered via Farmer Support Line.
Agricultural engineers who serve in Farmer Support Line will be trained on crop varieties before answering calls.
All calls will be recorded with farmers’ name, field size, crop variety and diagnosed disease or answered problem.
All calls will then be reported to client on weekly basis.
Credentials
Source:
Doktar

8. Thanks to conventional farmer services, we have the largest active database of Turkey,
Fields
12 million decares
6% of Turkish Land is recorded
Farmers
Agricultural problems solved via 1to1 communication
10-15% on Average yield increase
Source:
Doktar Database

9. Digital Agriculture Big Picture Connected Agriculture
Data Collection
AI & Analysis Platform
Data Backed Digital Services
End Users
Data Sources
(IoT)
Farmer
Weather Forecasts
Smart Phone App
Sensors
Consumer
Tracing & Visiblity
Cloud Analytics Agricultural Data Base
Image Recognition
Artificial Intelligence Algorithms
Cloud CRM
Agricultural Input Players
Satellites
Crop Tracking & Procurement
FMCG Players
Harvesters
Risk Management
Tracotrs
Source:
Doktar
Financial Institutions

10. We collect data on weather, soil and crop via sensors and satellites, to turn into decision support algorithms
Digital Products and Services
Fungal Diseases and Irrigation Management
Field Health Tracking from Satellite
Digital Soil Analysis
Product Specific Smart Phone Applications
Farm Management System
Kaynak:
Doktar

11. Applications in Insurance and Risk Management
Agenda
Overview of Doktar
Applications in Insurance and Risk Management

12. Insurance Applications of Digital Agriculture
Early Warnings
Risk Assessment
Claim Handling
Source:
Doktar

13. Selecting the Right Variety Protection from Fungus Diseases
How does the yield increase with these products? How do early warnings work?
Early Warnings
Selecting the Right Variety
Timely and Sufficient
Fertilisation
Timely and Sufficient
Irrigation
Protection from Fungus Diseases
Protection from Pests
IoT Station
Satellite
Digital
Soil Analysis
Digital Pest Trap
Source:
Doktar Analysis and Vision

14. Early warnings from an App - Disease management example
Dash Board
Fungal Disease Status
Disease Information
Source:
Doktar

15. Risk management with hyperlocal historical climate data and satellite data
Farmer Risk
Soil Risk
Climate Risk
Topography Risk

16. Multispecteral satalite images can give us great insights on crops health and damages
Claim Handling
Normal Satalite Image
Processed Health Monitoring Image

17. How can this be utilised in claim handling?
Before the Event
After the Event

18. In summary, insurance industry can benefit from digital agriculture in two ways
Utilizing satellite technology to decrease claim handling costs and false claim requests
Providing Digital Agriculture as a Value Added Service

19. Erzene Mahallesi Ege Universitesi Kampusu
ideEGE-TGB Mercan Binası
No:172/70-I Bornova/Izmir