Insurance For Foreigners in Ukraine: How Does Insurance Save Thousands of Dollars for Foreigners in Ukraine?

The cost of medical services in Ukraine for foreigners can be unpredictable and seriously impact your budget. Insurance allows you to protect yourself from financial risks and feel confident while travelling or staying for a long time. Learn more about how to properly obtain medical insurance in Ukraine and how much you can save

Reliable medical insurance for foreigners in Ukraine

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In Ukraine, medical care can cost a foreigner thousands of dollars without insurance. Any accident or emergency hospitalisation can turn into a serious financial blow. Medical insurance allows you to avoid unforeseen expenses and stay in the country without risking your own budget.

Why insurance is mandatory and what real examples of savings exist — we will tell you more in this article.

How to plan a trip to Ukraine and whether tourists are welcome in Ukraine — we discussed this in previous articles.

Detailed information that will be useful when planning a trip to Ukraine can be found here:

– Travel to Ukraine for tourism.

– Employment in Ukraine.

– Immigration to Ukraine.

– Studying in Ukraine.

– Travelling to Ukraine by car.

– Popular destinations in Ukraine.

– Support Ukraine.

Why do foreigners in Ukraine risk losing thousands without insurance?

The cost of medical services for foreigners in Ukraine differs significantly from the costs for local citizens. Without a policy, hospital bills can become unaffordable. For example, after a car accident, hospitalisation with several days in intensive care can cost more than $2,500–3,500. If urgent surgery or complex surgical intervention is required, the prices are even higher. Emergency dental care for foreigners in Ukraine is also not cheap — $300–500. Even treatment for pneumonia or COVID-19 in a private medical centre will cost $1,500–3,000.

Having insurance removes these costs from the foreigner — the insurance company covers all the bills. In addition, the policy provides legal protection: without it, there are difficulties with official confirmation of stay in Ukraine, visa extension or residence permit registration.

Why standard travel insurance may not be enough for travelling to Ukraine in 2025 — we explain at the link.

How much does insurance cost in Ukraine?

Medical insurance Ukraine 2025: price

War risk insurance Ukraine 2025 and annual policies for residence permits: price

What does medical insurance for foreigners in Ukraine cover and who needs a policy?

Modern insurance policies in Ukraine cover the most important risks: emergency medical care, hospitalisation, COVID-19 treatment, as well as special programmes covering war risks. This is especially relevant in the current circumstances. What does war risk insurance cover for foreigners in Ukraine? We explain here.

Insurance is required for all categories of foreigners: students coming to study; tourists planning a holiday; entrepreneurs and specialists working in international companies. Also, having a medical policy is a mandatory condition for obtaining a visa or a temporary residence permit.

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Common mistakes made by foreigners trying to save money on insurance

Foreigners often try to save money and buy the cheapest policies without checking the actual coverage. Such contracts may not include expensive cases, such as hospitalisation or complex surgery. As a result, when the need arises, they have to pay significant amounts themselves.

Another mistake is ignoring military risks. Some foreigners purchase a standard policy without taking into account the specific conditions of their stay in Ukraine. As a result, the insurance does not cover cases related to military actions.

For more information about the most common mistakes foreigners make when purchasing insurance in Ukraine, follow the link.

By the way, on the Visit Ukraine portal, you can take out a medical insurance policy with coverage of military risks for foreigners who are looking for a policy with additional reliable coverage in just a few minutes.

How to take out insurance in Ukraine for a foreigner?

Taking out an insurance policy in Ukraine takes a few minutes thanks to the Visit Ukraine online service.

Medical insurance can be purchased by foreign citizens who are planning a temporary visit or a long-term stay (from a tourist trip to study or work). It is important that the insurance covers the entire period of stay.

Standard policies are available for a period of 3 to 90 days. If you plan to obtain a residence permit, Visit Ukraine offers annual insurance that meets the requirements of the migration service and additionally takes into account military risks.

Step-by-step instructions for registration:

– Select the type of insurance you need (standard medical insurance or insurance covering military risks).

– Select the insurance package you need.

– Specify the policy term and date of birth. The service will automatically calculate the price.

– Fill in the details of the insured person (passport, contact details, citizenship).

– Confirm the policy by entering the code from the e-mail.

– Pay in a convenient way.

The finished policy will be sent to your e-mail. You do not need to print it — just save the file on your phone or laptop.

Why should you use the services of the Visit Ukraine portal?

Visit Ukraine is not just an online medical insurance service for foreigners. The portal offers a wide range of solutions for a comfortable and safe stay in Ukraine:

– Standard medical policies and medical insurance covering military risks.

– Consultations with lawyers to resolve complex issues.

– Mini Hull car insurance for those travelling in their own car.

– Transfers from neighbouring countries to Ukraine and back.

– Online booking of tickets for trains, buses and planes.

These services allow you to quickly plan your trip to Ukraine and help foreigners feel protected and confident during their stay in Ukraine.

Reminder! Insurance in Ukraine in 2025 remains relevant for all foreigners planning to enter the territory of this state. At the same time, in the context of a full-scale invasion, war risk insurance is gaining popularity. What unforeseen circumstances are covered by medical insurance for foreigners in Ukraine and where to purchase it — read here.

Photo: Freepik

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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