Life & Health
Health and Life insurance is one of the most widespread personal financial protection tools globally. According to recent estimates, 20% to 95% of citizens in Europe utilize it, depending on the country. In Austria, the home country of UNIQA, the life insurance coverage rate exceeds 90% of the population. In Ukraine, life insurance is a voluntary service. You can purchase a policy not only for yourself or your family but also to insure your employees under a corporate program. Each option has its advantages.
The main objective is to build personal capital and create a financial safety net for various life situations. Primarily, this refers to retirement capital, but you can also save for other purposes, such as your children's education or starting your own business. The insurance company accrues investment income on the contributions made, and due to the long accumulation period of 10, 15, or even 30-40 years, this income multiplies according to the rule of compound interest.
A savings policy is usually combined with term life insurance. It provides payouts in case of adverse life circumstances, such as disability due to illness or accident. In the most challenging situations, when a person passes away prematurely, the benefits are received by their loved ones – the beneficiaries specified in the contract. Thus, a life insurance policy is an important financial security tool not only for the insured person but also for their family, children, and anyone else who depends on the person holding the insurance.
Anyone with financial obligations to their family – primarily minor children or elderly parents – should consider getting a policy. It is also beneficial if you have significant financial goals and want to achieve them with minimal risks. While savings insurance doesn't offer exceptionally high investment returns, it ensures safe accumulation of funds. The government imposes strict requirements on Ukrainian insurance companies regarding their financial reliability and methods for safeguarding clients' funds. The key is to choose an insurer that strictly adheres to these requirements.
There are many important factors, and understanding them on your own can be very challenging. In what currency will the savings be accumulated? What life risks will the policy cover? For what period is it best to sign the contract? And most importantly, which company should you trust with your money and future plans? These fundamental questions are just the beginning, so we recommend seeking answers with UNIQA Life experts. Leave a request on our website, and we will definitely help you.
Accumulation life insurance is a type of insurance that combines life protection for the policyholder with the possibility of capital accumulation, providing payouts both in case of death and at the end of the contract term. This type of insurance allows the insured person to save and increase their savings, providing financial support for themselves and their loved ones. These are regular contributions and a lump-sum payment of the accumulated amount after the contract term.
It depends on many factors:
- Age (the younger, the lower the rate);
- Gender (women have a lower rate than men);
- Set of risks and insurance programs (exclusively risk of death, pension, savings, death from any cause, or disability).
- Survival to a certain term (end of the insurance contract);
- Accidental death (in this case, the insurance amount doubles);
- Disability;
- Death (from any cause).
- First diagnosed during the insurance contract period: myocardial infarction, stroke, malignant tumors, kidney failure, paralysis, blindness;
- Surgery for coronary artery bypass grafting or transplant of a vital organ (heart, lung, liver, kidney, pancreas, bone marrow) performed on the insured person during the contract period.
The answer is simple – feel more confident.
Usually at the age of 30-35, a person realizes how valuable their life and health are. The future depends on today's activities, such as the ability to save for retirement. A person's well-being largely determines the fate of their children, elderly parents, and sometimes even business partners and employees.
Unfortunately, there is no guarantee of healthy longevity. As a result, financial protection through life insurance has become the norm in many countries. There is an opinion that having insurance is a duty to your family, relatives, civic duty and simply a necessity.
However, today this service is becoming popular in Ukraine as well.
According to Ukrainian law, everyone in our country can use voluntary life and health insurance. It allows you to build personal savings for 5, 10, 15 or even 30 years while protecting your health financially. Therefore, all life programs can be divided into two broad groups: endowment and risk-based. They can be used together or separately. Each type of protection has its own specifics.
The service is similar to a bank deposit – long term and with regular replenishment. Additional income is accrued on the accumulated amount and the client receives this money at the end of the contract.
Important: An endowment program is very different from a deposit. It is also possible to receive a payment not only after contract expiration, but also in difficult life situations – disability, accident. The client will receive the money, and in the most difficult situations, their loved ones.
It provides protection in the event of health problems: injury, surgery, or a serious illness that requires expensive treatment. Sudden death is another possible risk.
In this situation, the insurer will pay you the amount specified in the policy in advance.
The money can be used as you see fit. For example, to pay for medical services, rehabilitation, loss of income, or financial support for the family.
It is not easy to understand the nuances of life insurance, so an online calculator will not help. We recommend that you seek professional advice to help you choose the best life and health insurance policy.
Important: You can purchase a policy with UNIQA for yourself or your family. We also offer corporate programs. They will be useful for responsible employers – anyone who wants to provide a reliable social package to their team.
Health Insurance allows you to get medical care for sudden illnesses or exacerbations of chronic health problems.
UNIQA organizes the treatment of its clients in partner clinics throughout Ukraine, arranges for an ambulance and a doctor at home, and payment for medications. Such a policy covers most of the costs of medical services and the purchase of medicines prescribed by a doctor. This service is suitable for those who value comfort and quality of treatment.
- Payment Receipt for Contract Series IC
- Payment Receipt for Contract Series RB
- Payment Receipt for Contract Series RK
- Payment Receipt for Contract Series OS
- Payment Receipt for Contract Series AB
- Payment Receipt for Contract Series AK
- Payment Receipt for Contract Series US
- Payment Receipt for Contract Series KA
- General Payment Receipt for Contract
- Payment Instructions
- Instructions for Making Payments via Portmone.com: Single Payment and Recurring Payments
- RBA Customer Self-Service Instructions. Use the instructions for making payments through Customer Self-Service Centers at branches of Raiffeisen Bank Aval JSC
- Benefits of Endowment Life Insurance and Tax Credit Refund
- General application for amendments
- Application for change of contact details and personal data
- Application for change of Survival Beneficiary
- Application for change of Death Beneficiary
- Application regarding serious illnesses; change of occupation
- Application for refund of an erroneously paid amount
- Application for change of the policyholder under a life insurance contract
- Application for change of contract terms
- Application for insurance claim payment
- Application for suspension of a life insurance contract (payment holiday)
- Application for reallocation of an insurance premium
- Application for issuance of a certificate of paid premiums
- Application for conversion of the contract to a reduced (paid-up) sum insured
- Financial monitoring questionnaire for individuals
- Client identification questionnaire for individuals, sole proprietors, and self-employed persons for the purposes of FATCA compliance / The FATCA Related Identification Questionnaire (Individuals)
The cost of a voluntary health insurance (VHI) policy depends on the insurance amount and the set of options. On average, the ratio between coverage and price is 1:12. The insurance company may set limits on services (dentistry, elective surgery, etc.) within the range of 500–5000 UAH, increasing which will affect the price.
- A doctor's consultation that has not been approved by UNIQA medical assistance.
- Visits to a dietitian, plastic surgeon, and some other doctors.
- Preventive visits.
The insurance covers physical damage of varying degrees of severity sustained as a result of a road accident, natural disaster, unlawful actions of third parties, electric shock, or other sudden events. Damage includes injuries, mutilations, burns, frostbite, poisoning, wounds, and more.
Voluntary medical insurance for employees is an important investment in the health and well-being of your team. It provides access to quality medical services, contributing to faster recovery and reducing the number of sick days. It also increases employee loyalty and motivation, improving the overall atmosphere in the team. Caring for employees' health is the key to your business's success.
Accident insurance operates 24/7, anywhere in Ukraine or around the world. Problems can arise during a walk, on the way to work, or on vacation. Injuries often occur during business trips, while engaging in amateur sports – at the gym or during a regular run. The typical policy duration is 1 year.
Important: For employees in certain professions in Ukraine, compulsory social insurance against workplace accidents is in effect. This is provided by the state, so such protection covers only injuries sustained at work. This is why voluntary accident insurance remains relevant for individuals who already have a mandatory policy.
The maximum allowable age is 65 years
Yes, but with certain restrictions. Most common chronic conditions do not prevent you from obtaining a policy. However, there are exceptions that are not covered by the insurance company. For example, individuals with uncompensated forms of diseases of the cardiovascular, endocrine, excretory, nervous, and musculoskeletal systems, as well as a history of malignant neoplasms, cannot be insured.
In addition, insurance is not issued to individuals suffering from mental and behavioral disorders, tuberculosis, alcoholism, drug addiction, or substance abuse. Therefore, if you have a chronic illness, we recommend discussing all the details with a consultant before signing the contract.
A health insurance policy can be issued for an individual or for family members (up to 5 people). UNIQA offers coverage for adults aged 16 to 59 and children from birth to age 15.
This option is convenient for families, as a single policy covers medical services for all family members listed in it.
The voluntary health insurance policy is valid at a network of partner clinics with which the insurance company UNIQA collaborates. Most of these are first-class medical facilities. You will receive a list of partners when you sign the policy, and you can also view it on the website or in the mobile app.
Under the terms of the insurance program, in certain cases you may seek treatment at other medical facilities, but to receive compensation, you must comply with the company’s rules regarding self-referral.
Many insurance plans cover the cost of medications if they are prescribed by a doctor who is part of the insurance company’s network of partners. This may be a full reimbursement or partial compensation within the limits of the coverage amount. UNIQA works with specific pharmacies where you can pick up your medications.
If you purchased the medication on your own but based on a doctor’s prescription, be sure to keep the prescription and receipt so you can submit them to receive reimbursement. For details on medication reimbursement, please contact our consultants via the myUNIQA app.
Yes, modern voluntary health insurance plans offer the option of receiving a remote medical consultation. You can consult a doctor via video call, receive recommendations and treatment advice, and in some cases, a referral for further testing.
Comprehensive insurance plans include initial online consultations when you first contact a doctor with a specific issue, as well as follow-up consultations to monitor the progress of treatment or receive clarification on prescribed procedures.
It depends on the specific plan. A voluntary health insurance policy typically covers you anywhere within our country. If you are planning a trip abroad, this type of coverage generally does not cover medical treatment or emergency care in another country.
If you frequently travel abroad for business or leisure, or if you want to protect your children’s health, you should consider other insurance plans offered by our company.
If you want to request a house call or schedule an appointment, please contact Medical Assistance first via the myUNIQA app. Our specialists will arrange a consultation, recommend the nearest partner medical facility, or help you schedule a specialist visit. Calling a doctor on your own without prior approval may result in a denial of coverage.
In an emergency situation where you need to call an ambulance, you can do so immediately without first contacting Medical Assistance. As soon as possible, you must notify UNIQA of the incident (but no later than two days after paying for medical services or being discharged from the hospital). This is necessary so that the company can confirm the insurance claim and reimburse the costs.
Yes, this is possible, but there are a few important conditions. If you plan to visit a doctor or medical facility that does not partner with UNIQA, you must coordinate this visit with Medical Assistance in advance. If this is not possible, you can pay for the treatment out of pocket and then submit the documents for reimbursement.
To do this, you must notify the insurance company (via the myUNIQA app or chatbot) no later than the date and time of the visit, and no earlier than ten days before it. If the doctor prescribes additional tests or treatment after the appointment, you must report this within two business days.
Next, you submit all the documents via the chatbot according to the list specified in the contract and await a decision. If necessary, the company may request additional confirmation.
First and foremost, contact Medical Assistance before seeing a doctor. You will need to provide the insured person’s last name, first name, and date of birth, as well as the policy number; describe the reason for the visit; provide your address and contact phone number; and specify whether a sick leave certificate is required.
Next, you must carefully follow the instructions you receive. When visiting a doctor or hospital, be sure to bring a form of identification: a passport, driver’s license, or the policy card in the myUNIQA app.
An insured event is a situation covered by your policy in which the insurance company is obligated to pay for medical services or reimburse expenses. This may include acute and chronic illnesses, a sudden deterioration in health, as well as injuries or other health conditions.
It is important to understand that the insurance company assesses the situation strictly within the terms of the policy. To avoid misunderstandings, always read the terms carefully before signing the policy, clarify all details with an advisor, and choose a plan that meets your needs.
Every policy includes a list of exclusions—situations in which the insurance company will not cover medical treatment. Most commonly, these include visits to a dietitian or plastic surgeon, as well as preventive care visits. Additionally, consultations with doctors who have not been approved by UNIQA’s medical assistance team will not be covered.
In addition, there are exclusions regarding the treatment of certain rare diseases (for example, uncompensated forms of diseases of the cardiovascular, endocrine, excretory, nervous, musculoskeletal, and other systems, as well as a history of malignant neoplasms).
Treatment for addictions and compensation for injuries resulting from alcohol or drug intoxication are not covered. Before signing the contract, it is important to carefully read the section “Insurance Risks and Limitations.”
Not all services are included in standard health insurance plans, and it is important to keep this in mind when signing the policy. Typically, an insurance policy covers treatment for acute and chronic illnesses, other health conditions, emergency care, or hospitalization.
Preventive medical checkups and vaccinations are not included in insurance plans. The reason is simple: a health insurance policy is designed to reimburse expenses in the event of illness.
Dental services are rarely included in standard health insurance plans. At our company, emergency dental care is included in the “My Health Premium” individual plans. This primarily covers urgent care for acute pain or dental injuries.
If this coverage is important to you, you should choose this specific plan. Treatment for cavities, tooth extractions, professional oral hygiene, and orthodontics are not included in insurance packages.
Most modern health insurance plans already cover treatment for COVID-19 and other acute respiratory viral infections, but the terms and conditions may vary. Basic plans typically cover outpatient treatment, online doctor consultations, and sick leave for up to 5 days, as well as emergency hospitalization if necessary.
Extended plans provide coverage for in-person doctor consultations, detailed diagnostics, and more. The amount of coverage is limited by the sum insured.
The list of illnesses and medical conditions covered by the policy depends on the plan selected. Basic plans typically include doctor visits, laboratory and diagnostic tests, treatment of acute conditions, and emergency care. Extended plans include diagnostic procedures such as CT scans and MRIs, as well as house calls for both children and adults.
There are also sometimes restrictions; for example, an insurance policy may not cover treatment for pre-existing serious illnesses if they were diagnosed before the policy was signed.
Yes, modern health insurance plans allow the insured person to seek medical care in any region of Ukraine. This means that if you are on a business trip, on vacation, or have moved to another city for a while, you can still receive care at medical facilities that partner with UNIQA.
You can find a complete list of such facilities in Ukraine on our website. Using the myUNIQA mobile app, you can find the nearest clinic. This is convenient for those who travel frequently or work in different regions.
Yes, and this is a very cost-effective option. With our company, you can include up to 5 people in the policy. These can be adults up to age 65 or children aged 0 to 17. This coverage will provide medical services for all family members listed in the policy.
Purchasing a “package” saves money and time, since all details are included in a single policy, and you can receive care at any medical facility that partners with the insurance company. To insure team members, UNIQA creates customized packages tailored to the field of activity and the specifics of the business.
The health insurance policy is valid for one year. During this period, you have access to all the covered services, and upon expiration, you can renew the policy for the next term.
It is important to note that in the event of early termination of the policy, the terms of reimbursement are governed by the rules specified in the policy.
You choose the effective date of the policy yourself. Please note that coverage begins the day after the policy is paid for and signed.
Some plans may include a so-called “waiting period” (usually lasting several days). This is necessary to prevent situations where a person attempts to purchase insurance only after a serious illness has been diagnosed.
First, take a look at the available plans on our website and decide what your priorities are. You’ll need to decide which insurance package to choose—standard or extended—and whether to include children in the policy.
You should also agree on the details of the insurance contract, including the coverage area, the sum insured, and other features. In the final step, you’ll need to provide the contact information for the insured individuals and make the payment.
Yes, we have barrier-free offices. You can view the list of accessible offices here. For more details about our accessibility policy, please visit the “Accessibility” page.
