During martial law

Insurance protection does not apply to cases of seizure, confiscation, requisition, arrest by authority orders, and destruction or damage of a vehicle/property due to mines, bombs, and other means of warfare unless otherwise explicitly stated in the insurance contract. Damages caused by military actions, such as fires resulting from combat, are not compensated. Cases involving the civilian population directly or indirectly related to military actions and their consequences are reviewed and compensation decisions are made according to the terms of the contract.

The contract does not apply to:

• Temporarily occupied territories of Ukraine as defined by the legislative acts of Ukraine,
• Territories within our state where government authorities are temporarily unable to exercise their powers,
• Settlements located on the front line or in the zone of military operations of any kind, regardless of the official recognition of war by legal standards.

Please report all insurance cases. We collect information about incidents. After studying the circumstances of all events and analyzing each situation, a decision will be made regarding the payment of compensation.

Currently, the life of every individual is primarily influenced by the war, but we must not forget other risks. Road traffic accidents continue to occur, fires and flooding of premises are reported. Unfortunately, the number of illnesses and injuries does not decrease. Moreover, mandatory insurance remains in effect in Ukraine.

Insurance coverage by categories:

Medical Insurance. We provide services for organizing medical assistance in Ukraine under all voluntary medical insurance contracts. Doctor consultations are conducted directly at partner clinics or in an online consultation format, depending on the current situation in the insured's region.

CASCO. Insurance protection continues to work. We compensate for peacetime risks, such as traffic accidents and theft, as well as wartime risks. Under the standard CASCO contracts, insurance protection is valid not only in Ukraine but also in Europe, except for russia and belarus.

MTPL During the state of war, the requirement for auto liability insurance has not been cancelled. The main goal is to guarantee compensation for damages in case of road accidents. We continue to regulate in the usual mode according to the requirements of the law. The law provides for compensation for property damage up to 160,000 hryvnias and for life and health of third parties up to 320,000 hryvnias. You can increase the limit from 300 thousand hryvnias to 1 million hryvnias by purchasing the voluntary auto liability policy 'My Auto Liability+'.

Property. Insurance protection works the same as before the onset of hostilities. All standard risks, such as fire, damage due to natural disasters, and flooding risks are covered. Risks of loss or damage to property are covered if they are not related to military actions or the state of war, which can also include requisition or nationalization.

Travel insurance. Insurance programs include organization of services for receiving outpatient care, emergency hospitalization, and dental services. We have allowed policies to be taken out from abroad. Now, the policy can be extended remotely and paid online.

Life and health insurance. For life insurance, accidental death, and health insurance in case of illness, events not related to military actions and their consequences are regulated and compensated without restrictions. Cases related to military actions are not compensated.

Green Card. According to changes in the legislation, starting from April 5, 2022, 'Green Card' contracts purchased in Ukraine do not operate in the territory of russia and belarus.