Life and Health Insurance in Ukraine: everything you need to know

Ukraine is an attractive but also quite dangerous place for many tourists. Learn all about life and health insurance in Ukraine and choose the policy that suits you best

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

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Despite current challenges, Ukraine remains open to tourists, relocants and expats. Your safety and well-being are a priority here. In 2025, the life and health insurance system in Ukraine will play a key role in ensuring your peace of mind. This article will help you understand how it works, what services you can expect, what types of insurance are available, and how to choose the best option for your needs.

Why do you need life and health insurance in Ukraine?

Life and health insurance in Ukraine is not just recommended, but often mandatory for foreigners.

Firstly, medical insurance is mandatory for obtaining a visa or temporary residence permit in Ukraine. Without a valid insurance policy, your documents may not be accepted or you may be denied entry/residence.

Secondly, staying in any country in the world, especially in a state of martial law, carries unpredictable situations. It can be anything from simple food poisoning, an accident, a sudden illness to injuries related to military threats. Without insurance, the cost of medical services can be extremely high.

Thirdly, having a policy means significant savings in the event of hospitalisation, emergency medical care or planned treatment. Insurance will cover the costs of doctor's consultations, diagnostics, medication, surgery and rehabilitation, freeing you from huge financial burdens.

The next thing you need to take care of after taking out insurance is comfortable accommodation for the entire duration of your trip. For detailed instructions on how to book accommodation in any region of Ukraine, follow the link.

What types of insurance are available?

In 2025, Ukrainian insurance companies offer a wide range of programmes, which can be divided into two main categories:

Standard policies (travel/medical insurance): These policies cover typical medical risks that arise while travelling abroad or in an unfamiliar country. They usually include:

– Outpatient treatment (doctor's visits, consultations).

– Inpatient treatment (hospitalisation, surgery).

– Emergency medical assistance and transportation.

– Prescription medication.

– Assistance in case of injuries, poisoning, exacerbation of chronic diseases.

– Coverage of risks associated with COVID-19 (diagnosis, treatment, observation).

Policies covering military risks: This type of insurance is particularly relevant in Ukraine in 2025. It provides extended coverage that includes risks related to war, terrorist acts, and other consequences of armed conflict. Such a policy may cover:

– Injuries sustained as a result of shelling, explosions, falling debris.

– Emergency medical care and hospitalisation in the event of such events.

– Evacuation from dangerous areas or to safe medical facilities.

– Assistance in the event of terrorist acts.

– Other risks directly caused by military actions that are not covered by standard policies.

If you are planning to travel by car, be sure to follow the link and read our guide on how to cross the Ukrainian border by car with foreign number plates.

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What does the insurance cover?

Example 1 (standard policy): You are in Kyiv as a tourist and suddenly develop acute appendicitis. The insurance will cover the ambulance call, hospitalisation, surgery and post-operative treatment at the medical facility of your choice.

Example 2 (policy with military coverage): You are a relocant in Kharkiv. As a result of a rocket strike nearby, you suffer a mild concussion. Your insurance with military coverage will provide examination, consultation with a neurologist and, if necessary, treatment related to the injury.

Customs regulations for crossing the border cause difficulties for almost all foreigners. For detailed information on what you can bring into Ukraine, please visit the Visit Ukraine portal.

How to purchase a policy?

To take out a medical insurance policy on the Visit Ukraine portal, you only need a foreign passport. To purchase insurance, you must do the following:

1. Prepare your foreign passport;

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

3. Select the insurance period

4. Enter your date of birth.

5. Fill in the form with the insured person's details (full name, email, 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 email address you provided).

7. Pay for the insurance policy.

Medical insurance is a mandatory requirement for obtaining a visa to Ukraine. Follow the link to find out when you need a visa to Ukraine and how to apply for one.

What to look for when choosing a policy?

When choosing the best insurance option, pay attention to the following key points:

1. Amount of insurance coverage: Make sure it is sufficient to cover potential medical expenses, especially considering the length of your stay and your health condition.

2. List of insured events: Carefully read what events are covered by the policy (what diseases, injuries, whether chronic diseases, dentistry, etc. are covered).

3. Availability and scope of war risk coverage: This is critical for staying in Ukraine in 2025. Make sure that the policy you choose clearly states the coverage of such risks, their limits and exclusions.

4. Area of coverage: The policy must be valid throughout Ukraine, wherever you plan to travel.

5. Reviews and reputation of the insurer: Choose reliable and proven insurance companies with a good reputation in the market.

Taking out a quality insurance policy is your step towards a safe and confident stay in Ukraine. Take care of this in advance!

Reminder! We have previously published a detailed guide for foreigners travelling to Ukraine in 2025.

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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