Azerbaijan Health Insurance Provider Network Analysis

Analysis of healthcare provider networks across 5 major insurance companies in Azerbaijan.

Key Findings

Metric	Value
Total Providers	1,137
Insurance Companies	5
Baku Coverage	77%
Regional Coverage	23%

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1. Network Size Comparison

Pasha Insurance has the largest provider network (301), followed by A-Group (237) and Ateshgah (225). The bottom three combined still don't match Pasha's network size.

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2. Provider Type Distribution

Clinics dominate (54%) followed by pharmacies (37%). Specialty services - dental (6%) and optical (3%) - are significantly underrepresented across all insurers.

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3. Geographic Imbalance

77% of all providers are in Baku, leaving regional populations underserved. This concentration creates a significant coverage gap for the ~40% of Azerbaijan's population living outside the capital.

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4. Company Strategy Differences

Each insurer has a distinct strategy:

• Pasha Insurance: Pharmacy-focused (179 pharmacies)
• Ateshgah: Clinic-only model (225 clinics, zero pharmacies)
• Meqa Sigorta: Dental specialist (45 dental clinics)
• A-Group: Most diversified portfolio

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5. Regional Presence

Meqa Sigorta operates almost exclusively in Baku (96% urban). Pasha Insurance and A-Group show the strongest regional commitment with ~23% of their networks outside Baku.

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6. Regional Cities Coverage

After Baku, Sumqayit (39 providers) and Ganca (26 providers) have the best coverage. Most other regions have fewer than 15 providers total.

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7. Specialty Care Gap

Dental and optical services are severely limited:

• Only Meqa Sigorta (45) and Pasha Insurance (19) offer meaningful dental coverage
• A-Group dominates optical with 23 stores; most others have zero

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8. Geographic Distribution

Provider density drops sharply outside the Baku-Sumqayit corridor. Western (Ganca) and southern (Lankaran) regions have scattered coverage.

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Project Structure

health_insurance_analyse/
├── data/
│   ├── combined.csv           # 1,137 merged records
│   ├── pasha_insurance.csv    # 314 records
│   ├── aiic.csv               # 212 records
│   ├── ateshgah.csv           # 225 records
│   ├── meqa_sigorta.csv       # 168 records
│   └── a_group.csv            # 247 records
├── scripts/
│   ├── combine.py             # Data merger
│   └── generate_charts.py     # Chart generator
├── notebooks/
│   └── analyse.ipynb          # Jupyter notebook
├── charts/                    # 8 analysis charts
└── README.md

Usage

# Combine all data sources
python scripts/combine.py

# Generate charts
python scripts/generate_charts.py

Data Fields

Field	Description
name	Provider name
type	PHARMACY, CLINIC, DENTAL, OPTICS
address	Full address
latitude/longitude	GPS coordinates
city	City/region
source	Insurance company

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December 2025