Long-term health insurance with military coverage: for whom it is relevant

Expats can choose any insurance policy for travelling or living in Ukraine, but a long-term policy is more convenient - first of all, there is no need to worry about the timing or renewal. Find out how to take out an annual insurance policy covering military risks and why this action is a guarantee of your safety in Ukraine

War risk insurance is a guarantee of your protected stay on the territory of Ukraine

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Currently, there are no cities in Ukraine that are completely safe. And although the main fighting is concentrated in the eastern and southern parts of Ukraine, the entire country is subject to regular rocket attacks.

In the context of the war in Ukraine, the relevance of health insurance covering war risks has become particularly acute and important. Traditional health insurance policies often significantly limit the insurer's liability in cases of injury, illness or death caused by military operations, terrorist acts, mass disorders and other similar events. However, today's realities make such coverage critical to ensuring the protection of health and life of foreigners. In this article, we have gathered detailed information on who is recommended to take out long-term health insurance covering military risks and how to do it as quickly and safely as possible.

What is long-term health insurance with military coverage?

Long-term health insurance with military coverage is a health insurance policy that provides protection for a long period of time and covers not only standard medical risks, but also expenses that may arise as a result of military operations. The main purpose of this type of insurance is to provide financial support and access to necessary medical care in the event of injuries, illnesses or other health problems directly or indirectly caused by military conflicts, terrorist acts, mass disorders and their consequences. The main characteristics of such policies include a long term of validity, comprehensive coverage of medical services (from consultations to inpatient treatment and rehabilitation), a clearly defined territory of coverage (which includes high-risk areas), established terms of insurance benefits and possible limitations, and higher cost compared to regular health insurance policies due to the increased level of risk.

The term ‘war coverage’ in the context of long-term health insurance means that the insurance policy provides for payments in cases where damage to the insured person's health has occurred as a result of events related to war. This includes injuries and wounds sustained as a direct result of hostilities (e.g., explosions, shelling), as well as the consequences of infrastructure damage caused by military operations. In addition, some policies may cover medical expenses related to terrorist acts and riots. It is important to note that the scope and terms of ‘war cover’ may vary depending on the insurance company and the specific insurance product. The policy terms and conditions define in detail what events are considered insured events, the territory covered, the types of medical care provided, and may also contain certain exclusions when insurance payments are not made. Therefore, a thorough study of the terms of the contract is critical when taking out this type of insurance.

For whom is this insurance relevant?

Long-term health insurance covering war risks is particularly relevant for several categories of people planning a long-term stay in Ukraine, especially in the current military situation.

First of all, this applies to foreigners with long-term visas. These individuals come to Ukraine for various purposes, such as work, study, volunteering, or other long-term projects. Since their stay in the country is expected to last for a significant period, the risk of facing the consequences of hostilities, unfortunately, remains significant. Standard health insurance policies that are usually issued for visa purposes often do not include coverage for war risks. Therefore, to ensure their health and financial protection in case of injuries or illnesses caused by the war, long-term health insurance with appropriate coverage is extremely important for them.

Also, this type of insurance is extremely relevant for people who are in the process of applying for a temporary (residence) or permanent (permanent) residence permit in Ukraine. This process can take a long time, during which the person actually resides in the country. Since obtaining official residency status does not always automatically provide full medical insurance from the state at the initial stages, having a private policy covering war risks becomes a prerequisite to guarantee access to medical care in the event of unforeseen war-related circumstances.

In addition, anyone planning to stay in Ukraine for a long period of time, regardless of their formal status (e.g. freelancers, temporary contract workers, family members of foreigners), should seriously consider taking out long-term health insurance covering war risks. Even if a person does not apply for a residence permit/permanent residence permit but spends a significant amount of time in Ukraine, the risks associated with the war remain relevant. Such a policy will provide not only medical care in normal situations, but also financial support in case of injuries or illnesses caused by military operations, which is especially important in an unstable security situation.

For those who plan short-term visits for tourism, business or visiting relatives, it would be more appropriate to take out standard health insurance policies. These policies provide the necessary medical coverage for the duration of your stay in the country, including emergency care and treatment in the event of a sudden illness or injury. Although standard policies generally do not provide coverage for war risks, they are mandatory for citizens of many countries to enter Ukraine and provide a basic level of medical protection for short-term travel. However, those who wish to have additional protection against military risks even during a short stay should consider taking out specialised policies, which are also available on Visit Ukraine.

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Benefits of long-term health insurance with military coverage

Long-term health insurance with war risk coverage offers a number of significant benefits, especially in the context of the unstable security situation in Ukraine, providing comprehensive health protection and financial stability during a long stay in the country.

One of the key benefits is protection in case of emergencies. Long-term insurance with military coverage provides medical care and financial support in the event of injuries, wounds or illnesses caused by these factors. This may include emergency medical care, surgery, treatment of injuries, and evacuation from dangerous areas to medical facilities where qualified care can be provided. Such protection is critical in wartime, when the risks to life and health increase significantly.

Another important advantage is the coverage of medical expenses. A long-term health insurance policy with wartime coverage usually includes a wide range of medical services, not limited to the consequences of emergencies. It can cover consultations with doctors of various specialisations, diagnostic procedures, outpatient and inpatient treatment, the purchase of necessary medicines, and rehabilitation measures. Such a policy guarantees that the insured person will have access to quality medical care in case of any health problems, regardless of their cause, which is especially valuable in the context of a potential overload of the state healthcare system.

Finally, long-term health insurance with military coverage provides peace of mind and confidence during your stay in Ukraine. Knowing that your health and financial interests are protected in the event of both routine medical needs and war-related emergencies significantly reduces stress and anxiety. This allows foreigners, people applying for residence permits and anyone planning a long-term stay in Ukraine to feel more secure and focus on their business, studies or work without constantly worrying about potential medical expenses in case of unforeseen circumstances. With such a policy, a person can be sure that in a difficult situation, he or she will not be left alone with his or her problems and will receive the necessary support.

How to take out an insurance policy covering war risks?

To apply for a war risk insurance policy on Visit Ukraine, you only need your international passport. To purchase insurance, you must follow these steps:

1. Prepare your passport;

2. Choose an insurance package (that meets your needs).

3. Choose the term of insurance

4. Enter your date of birth.

5. Fill in the form with the data about the insured person (full name, e-mail, contact phone number, passport details, citizenship and place of residence).

6. Sign the insurance contract (you will need to enter a special code that will be sent to the specified e-mail).

7. Pay for the insurance policy.

Choose your insurance policy and travel around Ukraine confidently and safely!

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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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