How to Purchase Additional Insurance Coverage for a Pension in Ukraine in 2026: Cost and Conditions

Ukrainians who do not have enough insurance coverage to qualify for retirement can take advantage of the voluntary insurance program. The Pension Fund of Ukraine has announced the current cost per month of coverage and explained the application process. Learn more about how to purchase additional coverage for retirement in 2026, how much it costs, and where to apply

An insurance policy is a guarantee of your safety and peaceful stay outside of Ukraine

BUY

Ukraine’s pension legislation provides for a gradual increase in the requirements for the insurance record needed to qualify for retirement. For many citizens, this means they must find ways to make up for missing years. One such method is voluntary insurance, which allows individuals to purchase additional insurance record for an amount set by law. As reported by UNIAN, the Pension Fund of Ukraine has announced the current cost and procedure for making voluntary contributions.

Planning a trip abroad?

Get reliable medical insurance on the Visit Ukraine portal!

How many years of insurance coverage are required to retire in 2027?

In 2027, to retire at age 60, you must have at least 34 years of insurance coverage. If you do not have this length of service, the law provides for the option to receive a pension at an older age with reduced requirements:

• at age 63—the minimum requirement is 24 years of service;
• at age 65—the minimum requirement is 15 years of service, regardless of the year in which you reach that age.

This was reported by Tetyana Korol, Deputy Chair of the Board of the Pension Fund of Ukraine.

Which Ukrainians will need to undergo physical identification in 2026 to receive a pension abroad— we explain here.

How much will one month of voluntary service cost in 2026?

An alternative to waiting until the standard retirement age is voluntary insurance—a mechanism that allows you to independently purchase the missing months or years of service.

In 2026, the minimum voluntary contribution for one month of service in the current period is 1,902.34 UAH. This amount is calculated as 22% of the minimum wage.

The cost of one month of service for past years is higher, at 3,804.68 UAH.

Don't want to miss important updates and useful articles? Subscribe to our weekly newsletter!

Where to Enroll in Voluntary Pension Insurance: Two Methods

There are two mechanisms for voluntary insurance in Ukraine.

The first is a simplified procedure through the Pension Fund of Ukraine (PFU). The contract is concluded online via your personal account on the PFU portal. This method allows you to accumulate service time exclusively for the current period.

The second is through the State Tax Service. The contract is concluded directly with the State Tax Service, and this option allows you to purchase pensionable service not only for the current period but also for past years.

How to calculate your future pension through Diya — find out by following the link.

Does work abroad count toward pensionable service in Ukraine?

Work abroad can be counted toward pensionable service in Ukraine under certain conditions. Whether it is counted depends on the international agreement Ukraine has signed with the specific country of employment. Two approaches are used in this regard: the proportional and the territorial approaches.

Could the retirement age in Ukraine increase?

Due to new requirements for insurance coverage, a shortage of funds in the Pension Fund, and an aging population, retirement is gradually being postponed for many Ukrainians. Experts cite raising the retirement age to 67 as one of the most realistic scenarios.

Remember! Ukrainians who work or live abroad need reliable health coverage. The Visit Ukraine portal offers health insurance for travel abroad—the policy covers medical expenses and provides support in case of unforeseen situations while you’re in another country.

Get medical insurance on the Visit Ukraine portal—it’s fast, convenient, and requires no extra paperwork!

Reminder! In a previous article, we reported that Ukrainians abroad will be able to receive their pensions via postal money orders.

Photo: Magnific

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Our recommendation for a safe and comfortable trip: 

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

Visit Ukraine Merch - buy patriotic clothing and accessories with worldwide delivery.

© 2018-2026, Visit Ukraine. Use, copying or reprinting of materials on this site is permitted only with a link (hyperlink for online publications) to Visit Ukraine.

All rights reserved.