Depending on the circumstances, insurance is divided into mandatory and voluntary. Find out when you can make decisions on your own about the possible registration of the policy, and when its absence may threaten with a fine or additional problems

Take care of reliable insurance for safe entry and stay in Ukraine

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Insurance is a way of managing risks. When you buy insurance, you hand over the cost of a potential loss to the insurance company in exchange for a fee. Insurance helps you protect your home, car, health, business, vacation, etc.

However, depending on the circumstances, policies can also be divided into mandatory and voluntary.

Mandatory insurance policies

1. Travel insurance for Ukrainians abroad (in Europe and the world)

A travel insurance policy is your reliable protection in case of unforeseen health situations during your stay abroad. Its presence is mandatory in most countries and is required when crossing the border, as well as when issuing a visa.

Who needs to issue a policy?

- Ukrainians traveling abroad on the basis of visa-free travel.

- Ukrainians who issue a tourist visa.

What does it cover?

- Emergency medical care is the cost incurred in the event of illness or injury during travel. The policy compensates the costs of hospitalization, ambulance, doctor's examination, medicine, etc.

- Cancellation or delay of the trip – in case of cancellation or delay of the trip due to any unforeseen reason, the insurance companies will reimburse the expenses. Cancellations/delays may be due to weather, strikes, etc.

- Accidents.

- Emergency evacuation.

- Loss of luggage or personal belongings.

- Refusal to book, etc.

Where to buy?

Visit Ukraine offers to take out proven travel insurance from a reliable insurance agent online. Choose the package of services that will best suit your trip. Depending on the destination, packages are available for countries in Europe and around the world.

Read here what to pay attention to when taking out travel insurance in 2024.

2. Medical insurance for Ukrainians abroad

Health insurance is an important part of any trip, especially if you plan to be outside your country of residence for a long time. The policy is able to provide the expat with medical assistance in any emergency situation, and therefore to give peace of mind. The second advantage is the opportunity to save a lot of money, because in many countries of the world, treatment for foreigners is quite expensive.

Also, a health insurance policy is included in the list of mandatory documents for obtaining long-term visas (working, educational, medical, for family reunification, etc.).

Who must issue a policy?

- Ukrainians who are going on a long-term trip.

- To students who entered foreign universities.

- To expats who have found work abroad.

- For foreigners who plan to issue a residence permit abroad.

What does it cover?

- Outpatient care.

- Inpatient treatment.

- Reimbursement of the cost of medicines.

- Management of pregnancy and childbirth.

- Basic dental support.

- Mental health support.

- Rehabilitation.

- Medical equipment and devices.

Where to issue?

When choosing an insurance agent, pay attention to the availability of the policy, the amount of coverage and the risks covered by the insurance. You can buy reliable insurance from a verified insurance agent on the Visit World portal. The policy has many additional advantages: round-the-clock support of consultants for the provision and organization of medical services abroad, guarantee of payments, online payment, etc. Choose the package of services that will best suit your trip. Depending on the destination, packages are available for countries in Europe and around the world.

Why a health insurance policy is necessary even for those Ukrainians who received the status of temporary protection abroad, read in this article.

Importantly! Each country has its own travel or health insurance policy requirements, which usually depend on the purpose of the trip and length of stay.

The rules for issuing insurance for different categories of visas, which are valid in different countries, can be found on the Visit Ukraine portal:

● Great Britain ● Canada ● Austria ● Ireland ● USA ● Germany

3. Military risk insurance for foreigners in Ukraine

Medical insurance is mandatory for crossing the Ukrainian border. However, when traveling in Ukraine during a state of war, you should take care of an insurance policy that covers the indemnification of war-related risks: damages in the event of an accident due to hostilities or acts of terrorism, outpatient treatment, hospitalization and emergency care.

Who must issue a policy?

- To foreign journalists and members of delegations.

- Volunteers.

What does it cover?

- Provision of general medical services.

- An accident as a result of military actions, passive military risks, terrorist acts (if the insured person is not a military serviceman), within the limit of 100,000 hryvnias.

- Outpatient treatment (visit to a specialized doctor, examination and consultation, instrumental and laboratory examinations).

- Hospitalization (stay in a hospital, intensive care unit, intensive care unit, medical care prescribed by a doctor, purchase of medicines).

- Medicines prescribed by a doctor.

Where to issue?

Currently, very few insurance companies offer policies that cover the risks associated with hostilities and war. Therefore, be sure to take advantage of the unique offer from Visit Ukraine.

Go to the link, choose a tariff and fill in personal data.

Read more about the military risk insurance policy here.

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4. Insurance for car owners in Ukraine and abroad

Autocivilka

OSCPV or autocivilka is a mandatory insurance policy for vehicle owners in Ukraine, which compensates for damages caused by road accidents.

Who is demanding?

According to Article 21 of the Law "On Compulsory Civil Liability Insurance of Owners of Land Vehicles", when using a vehicle in traffic, the person driving the car is required to carry an insurance policy of the Civil Liability Insurance Company. Representatives of the National Police control whether drivers have a policy. In the absence of an OSCPV policy, a fine will be imposed on the driver.

Who must issue a policy?

- To all car owners who own a car with Ukrainian registration, for trips in Ukraine.

What does the OSCPV policy cover?

- Property damage - limit of liability 160,000 UAH (per victim).

- Damage caused to the life and health of the victims - the limit of liability is UAH 320,000 (per victim).

Where to buy?

It is better to take out insurance online, because it is quick and easy. On the Visit Ukraine portal, you can purchase an OSCPV policy from a licensed insurer. Packages with a franchise of 3,200 hryvnias, 1,600 hryvnias and 0 hryvnias are available.

Read more about the working mechanism of the autocivil in more detail at the link.

Green card

"Green card" is an international insurance policy for motorists. The document is mandatory when traveling abroad for all vehicles registered in Ukraine. Also, a policy is required to enter Ukraine on a car with foreign registration. This policy is issued exclusively for foreign travel.

Who must issue a policy?

- For Ukrainians traveling abroad on cars with Ukrainian registration.

- For foreigners traveling to Ukraine by car with foreign registration.

What does the Green Card policy cover?

Green card is an auto-citizen valid outside of Ukraine. If you have a Green Card, if you get into an accident abroad, you can count on receiving compensation from the insurance agent, which will cover the losses of the injured party.

In order to issue a "Green Card" policy, you need: a foreign passport or driver's license, vehicle registration certificate and TIN code.

Where to buy?

You can take out a Green Card policy from a licensed insurer on the Visit Ukraine portal. Packages are available for different periods from 15 days to 1 year for cars and trucks, trailers and semi-trailers for trucks, as well as motorcycles and scooters.

We have collected everything you need to know about the "Green Card" in this article.

Voluntary insurance policies

1. DMS (voluntary health insurance for Ukrainians in Ukraine)

Voluntary health insurance is one of the types of personal insurance, when citizens of Ukraine take out a policy of their own free will. Having a policy will allow you to save on treatment costs and will allow you to receive better medical services.

What risks does voluntary health insurance cover in Ukraine?

- Rehabilitation measures during hospitalization and after discharge from the hospital.

- Treatment of acute diseases.

- Accident insurance.

- Consultation (examination) of a dentist, relief of acute pain.

- Urgent hospitalization in a specialized department.

- Conservative treatment, including with the use of endoscopic methods and anesthesia.

- All diagnostic (laboratory and instrumental) examinations of any complexity prescribed by a doctor.

- Intensive therapy, resuscitation in full.

- Medical supply.

- Injuries, burns, poisoning and other consequences of accidents that occurred during the validity of the insurance contract

Where to buy?

You can purchase a voluntary health insurance policy on the Visit Ukraine portal. Follow the link, fill in the necessary information, and in just 3 minutes, reliable health insurance with guaranteed payments will be sent to your mail.

Read more about the new type of health insurance in our article.

2. Mini hull insurance for car owners in Ukraine

Mini hull is an insurance policy that covers damages to a car involved in an accident on the roads of Ukraine. With Mini hull insurance, the motorist can count on compensation even if the accident was his fault.

What does Mini hull insurance cover?

The Visit Ukraine portal offers three Mini hull insurance packages to choose from:

- Economy - covers damages only in the event of an accident in the presence of another participant in the event.

- Basic – covers damages in the event of an accident in the presence of another participant in the event and the complete destruction of the vehicle as a result of a natural disaster.

- Maximum + military risks – covers damages in the event of a road accident in the presence of another participant in the event, total destruction of the vehicle as a result of a natural disaster, total destruction of the car in case of passive risks of war and tow truck services.

Where to buy?

On the Visit Ukraine portal, you can purchase a Mini hull insurance policy from a reliable insurer for guaranteed protection on the country's roads online. Monthly to annual packages are available for cars, motorcycles, scooters, trucks, and trailers and semi-trailers.

Read more about the conditions and features of the Mini hull insurance policy in this article.

An insurance policy is an important element of a modern person's life, because it can protect you from unplanned costs and risks. Therefore, be sure to weigh all the advantages and, depending on the purpose, choose reliable coverage from a proven agent.

Do you have additional questions? Contact the Visit Ukraine hotline (Telegram | WhatsApp).

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 – safe travel in Ukraine (insurance covering military risks);

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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