Die Verhängung des Kriegsrechts im Hoheitsgebiet der Ukraine führt zu gewissen Einschränkungen bei der Gültigkeit von Versicherungspolicen ausländischer Bürger. Finden Sie heraus, warum Ausländer bei der Einreise in die Ukraine eine spezielle Versicherung abschließen müssen und worin ihre wichtigsten Vorteile bestehen

Health insurance with coverage of war risks

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Despite the ongoing war in Ukraine, a large number of foreigners continue to visit the country, both for business and tourism purposes.

At the same time, travelling to Ukraine now requires more careful preparation and route planning, as despite the fact that active hostilities are concentrated in the southern and eastern regions of the country, the rest of the country is still under threat of missile attacks from russia.

Therefore, it is important not only to prepare for your trip carefully, but also to take care of reliable health insurance covering military risks.

Read aboutthe current rules for entering Ukraine in 2025 here.

You can also use a special form on our website to help you understand in more detail what documents you need to prepare to enter Ukraine. To check the rules for crossing the Ukrainian border for you, follow the link and select your citizenship from the drop-down list.

Why is a foreign insurance policy not valid in Ukraine?

Due to the fact that martial law has been introduced in Ukraine, any foreign insurance policy automatically terminates upon entry into the territory of Ukraine. This is due to the fact that insurance companies do not cover war-related risks in any country where military operations or armed conflicts are ongoing.

In addition, according to Ukrainian law, foreigners and stateless persons may cross the state border to enter Ukraine provided they have an insurance policy (certificate) for the entire period of stay in Ukraine issued by an insurance company registered in Ukraine or a foreign insurance company that has a representative office or contractual relationship with a partner insurance company in Ukraine (assistance).

It should also be borne in mind that any visit to a medical institution for a non-resident of Ukraine is expensive. Therefore, by ignoring the issuance of an appropriate health insurance policy, a person risks not only his or her own health, but also finances.

Thus, in order to ensure that a trip to Ukraine during the war is safe and does not carry additional risks, it is important to take out reliable insurance that will cover not only basic medical services, diagnostics and treatment, but also the risks associated with a full-scale invasion of russia.

Where to take out war risk insurance in Ukraine for foreigners?

War is a typical exception to insurance contracts all over the world, and therefore a very limited number of insurance companies currently offer insurance policies covering war risks.

You can take out reliable insurance that guarantees compensation in case of traumatic injuries, accidents, and death as a result of military operations on the Visit Ukraine website.

Foreign nationals (except for russian citizens), stateless persons, and citizens of Ukraine can purchase an insurance policy. There are no age restrictions, and both minors and elderly people over 70 can take out insurance.

Please note! The insurance policy is valid on the entire territory of Ukraine, except for the temporarily occupied territories of Donetsk, Luhansk, Zaporizhzhia and Kherson regions and the Autonomous Republic of Crimea, as well as the territories where direct military clashes are taking place (front line).

What does the insurance cover?

Health insurance covers not only accidents resulting from military operations, passive war risks and terrorist acts, but also:

- General medical services, diagnosis and treatment of Covid-19 in Ukraine.

- Medicines prescribed by a doctor to provide assistance in the event of an insured event.

- Death of the insured person as a result of an accident occurring during the term of the insurance contract.

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What are the limits of indemnity and what is the cost of insurance?

You can choose one of two types of insurance policies on the Visit Ukraine website:

- with coverage of UAH 100,000;

- with coverage of EUR 30,000.

The cost of the insurance policy depends on the package you choose and the number of days you stay. You can purchase an insurance policy covering military risks for a different period: from 3 days to 6 months. The price of one insured day starts from EUR 2.64 per day.

To take out an insurance policy covering military risks, follow the link and choose the appropriate package.

Insurance for a residence permit in Ukraine with war risk coverage

On the Visit Ukraine portal, you can take out the ‘Armour + Year of Protection’ health insurance policy, which is suitable for people planning to obtain a residence permit in Ukraine. In addition to basic medical coverage, the policy includes protection against war risks. The sum insured is UAH 120,000.

The product includes coverage for the following cases:

- Relief of acute pain during dental care (examination, anaesthesia, removal).

- Coronavirus disease (COVID-19).

- Meningococcal infection.

- Acute inflammatory processes and injuries of the eye, ear, throat, and nose.

- Thyroid diseases (myxedema coma and thyrotoxic crisis).

- Acute pancreatitis.

- Death of the insured person as a result of an accident with passive war risks.

Ensure your safety and peace of mind when travelling to Ukraine with health insurance that covers war risks. On Visit Ukraine, you can quickly and conveniently apply for a policy that will provide protection in any unforeseen circumstances.

Do not neglect your own safety and travel with confidence with Visit Ukraine!

Just a reminder. Despite the full-scale war, Ukraine continues to attract tourists from all over the world with its incredible history, culture and indomitable spirit. Foreign visitors share their fascinating impressions of Ukrainian cities, note the high level of security and professional tourist infrastructure, and plan to return again. Read here how Ukraine and Visit Ukraine in particular ensure comfortable and safe travel to Ukraine for foreign tourists during the war.

Photo: Volodymyr Zelenskyy's Telegram channel

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

We recommend purchasing it for a safe and comfortable trip to Ukraine: 

Visit Ukraine Insurance – insurance covering military risks for entry and travel in Ukraine;

Visit Ukraine Car Insurance – car insurance with extended coverage in Ukraine;

Visit Ukraine Legal Advice – comprehensive legal support on entry to Ukraine;

Visit Ukraine Tickets – bus and train tickets to/from Ukraine;

Visit Ukraine Tours – the largest online database of tours to Ukraine for every taste;

Visit Ukraine Hotels – hotels for a comfortable stay in Ukraine;

Visit Ukraine Merch – patriotic clothing and accessories with worldwide delivery.

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