Insurance claims in Ukraine: how can foreigners contact an insurance company and receive compensation?

Medical insurance is mandatory for foreigners who wish to enter Ukraine. Unfortunately, insurance claims are not uncommon in Ukraine, especially during martial law. Find out how to contact an insurance company in Ukraine and how foreigners can receive insurance compensation in Ukraine

Make sure you have reliable insurance for safe entry and stay in Ukraine

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Staying in any country, especially during martial law, requires careful preparation. One of the most important aspects of such preparation is having medical insurance. Even if you are completely healthy, unforeseen situations can arise at any time. Travel insurance for foreigners guarantees you financial protection and access to necessary medical care, covering the costs of treatment for injuries, SARS, COVID-19, poisoning and other unforeseen events, depending on the policy you choose. Medical insurance for foreigners is not just a formality, but a guarantee of peace of mind and safety.

Insurance claims in Ukraine: step-by-step instructions for foreigners

If an insured event occurs during your stay in Ukraine, it is important to act clearly and consistently to ensure that you receive assistance and compensation.

Step one: Seek medical assistance. If necessary, call an ambulance immediately at 103 or go to the nearest medical facility on your own. Do not delay, as timely assistance can save your life and health.

Step two: Notify your insurance company immediately. It is important to report the insured event as soon as possible. Your policy will indicate how to contact your insurance company in Ukraine: telephone number, email address, other contact details. Explain the situation and follow the operator's instructions.

Step three: Keep all documents. Carefully keep all medical records, certificates, receipts for medication, test results and prescriptions. These documents are the main proof of your insurance claim, confirmation of expenses and a guarantee of receiving insurance compensation in Ukraine.

Step four: Do not enter into any financial agreements without approval. Do not pay for medical services and medicines yourself unless this has been agreed in advance with the insurance company. In most cases, the insurance company will arrange direct payment for medical services.

Step five: Cooperate with the insurance company. Provide all necessary information and documents at the request of the insurance company. Be prepared to answer any questions they may have.

We recommend that you take care of medical insurance for Ukraine in advance. Read how to do this as quickly and conveniently as possible on the Visit Ukraine portal.

A few important tips to ensure you receive compensation

1. Always keep a copy of your insurance policy and the insurance company's contact details with you.

2. Explain the circumstances of the incident clearly and truthfully.

3. Follow the recommendations of the insurance company.

4. Do not conceal any information under any circumstances.

5. Do not change your treatment plan without the consent of the insurance company.

For detailed information on who needs insurance to enter Ukraine and how to obtain it, please follow the link.

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Features of insurance during wartime: when military risks are covered

The war in Ukraine has significantly changed the usual insurance conditions, and this is especially true for the coverage of military risks. Not all insurance policies cover cases related to military actions, as this is an exception in most standard insurance contracts.

An incident related to military action is any event that directly or indirectly occurred as a result of armed aggression. For example, injuries sustained during an air raid, injuries caused by shrapnel from shelling, damage to health during evacuation measures, or even psychological trauma that is a direct consequence of military action.

It is important to understand that insurance covering military risks is critical for staying safe in Ukraine under the current circumstances. Having such a policy provides you with significantly broader protection in the event of unforeseen situations related to war. These policies cover medical expenses related to injuries and illnesses resulting from military action and may also include repatriation, evacuation and other additional services.

War coverage policies, which can be easily purchased online at Visit Ukraine, are designed with today's realities in mind and provide the most comprehensive protection possible.

Such policies are particularly important for journalists, volunteers and other professionals who are in high-risk areas or actively working in conditions related to military operations. For them, this is not just a recommendation, but often a mandatory requirement for access to certain territories or the performance of their professional duties.

Find out which cities in Ukraine are most frequently visited by foreign tourists and create your own unique itinerary.

Which policy should you choose: standard or with military coverage?

The choice of insurance policy depends on your individual needs, the purpose of your stay in Ukraine and the level of risk you are willing to accept.

A standard policy is suitable if your stay in Ukraine does not involve visiting dangerous regions or participating in activities associated with increased risks. It will cover standard medical cases such as SARS, poisoning, and domestic injuries not related to military operations. This option is ideal for tourists or people staying in relatively safe regions.

A policy with military coverage is mandatory for those who plan to stay in regions where there is a risk of military action or whose activities may be associated with such risks (journalists, volunteers, medical professionals, etc.). It provides maximum protection in unpredictable circumstances, which is critical for your safety and peace of mind.

If you wish to purchase Visit Ukraine medical insurance, you can easily compare prices for different policy options, review the terms and conditions of coverage, and choose the one that best suits your needs. The application process takes just a few clicks, and you can do it without leaving your home. Your policy will be sent to your email immediately after successful payment, allowing you to quickly and safely organise your stay in Ukraine.

For detailed instructions on how to purchase travel insurance with war risk coverage online, please follow the link.

Don't ignore the importance of insurance — it's an investment in your safety and peace of mind while in Ukraine.

Reminder! We previously discussed which insurance policy is best for entering Ukraine.

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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