Insurance Conditions

Who the contract is with, and who signs it

The insurance contract is concluded between you and PrJSC IC “Euroins Ukraine” (company code 22868348, 102 Velyka Vasylkivska St, Kyiv 03150), a licensed Ukrainian insurer listed in the National Bank of Ukraine register of financial institutions. The product is the standard insurance product BRAVE, insurance class 18.

Contracts are concluded and signed on the insurer's behalf by an authorised representative of its insurance intermediary, LLC “Welcome to Ukraine” (company code 44559356, Kyiv), under an agency agreement between the two companies. The intermediary is listed in the National Bank of Ukraine register of insurance intermediaries. Both registers are searched by company code.

Every contract is signed with a qualified electronic signature and delivered as a PDF together with a separate signature file (.p7s). To check it, upload both files to the state service ca.diia.gov.ua/verify — a universal tool for verifying any electronic document in Ukraine. It confirms that the signature is genuine and qualified, and that the contract has not been altered since signing. The service is in Ukrainian.

Entry Ukraine is the website through which the policy is sold. It does not underwrite risk and does not decide claims.

Who can be insured

Foreign nationals — non-residents of Ukraine — travelling lawfully in Ukraine. The policy is not issued to travellers aged 70 or over.

What is covered

Medical expenses arising from an acute illness, an accident or a health disorder that occurs during the policy term:

• emergency ambulance and doctor's calls
• urgent inpatient and outpatient care, including COVID-19
• diagnostics and medication for the emergency
• hospital accommodation, including intensive care and resuscitation
• medical transportation
• injuries caused by military action — mines, missiles, bombs, grenades, other weapons and military equipment
• repatriation with medical support, and repatriation of remains, when arranged through the assistance company

There is no deductible. Injury from ionising radiation or radioactive contamination is covered only if that option is recorded in your contract; it is a paid extra.

What is not covered — read before buying

This is emergency cover for travellers, not general health insurance. The main exclusions:

• Dental care — excluded.
• Sports and physical exercise — injuries sustained during any sport or exercise are excluded.
• Pre-existing conditions — flare-ups of an illness treated or medicated in the 6 months before the trip, unless the flare-up threatens life or permanent disability.
• Planned and non-urgent care — check-ups, second opinions, vaccinations, medical examinations, rehabilitation and physiotherapy.
• Chronic and specified conditions — diabetes, tuberculosis, oncology, Crohn's disease, ulcerative colitis, autoimmune and systemic connective-tissue diseases, blood diseases, hepatitis: emergency care only, capped at 5 days per event; hepatitis C entirely excluded.
• Pregnancy — planned services excluded; anything from the 29th week excluded.
• Mental and behavioural disorders, psychiatric and psychological care.
• HIV/AIDS, sexually transmitted diseases, addiction and conditions arising from them.
• Congenital conditions, hereditary diseases, disability-related treatment.
• Prosthetics, implants, vision correction, cosmetic and plastic procedures, alternative medicine.
• Epidemic or pandemic infectious diseases — excluded, with COVID-19 as the explicit exception.
• Radiation sickness, acute or chronic.
• Care obtained in your own country of citizenship or permanent residence, or if you travelled to Ukraine in order to get treatment.

The insurer is also not liable where the event occurred during participation in active hostilities, military service or exercises, riots or civil disturbances; under the influence of alcohol, drugs or toxic substances; through intentional self-harm; or as a result of a recognised act of terrorism or chemical or biological contamination.

This list is a summary. The complete wording is in the general terms of the BRAVE product, linked below.

Territorial limits

The policy applies throughout Ukraine except: areas of active hostilities; territories temporarily occupied by the Russian Federation; anywhere within 50 km of either; and territories under a special access regime. Medical services received outside the covered territory — and treatment for injuries sustained there — are not reimbursed.

Sums insured, term and price

• Sum insured per person: 100,000 UAH (Standard) or 1,575,000 UAH (Extended, the level accepted for Ukrainian visa applications).
• Tariff: 173.25 UAH for the first 3 days + 52.50 UAH per additional day (Standard); 279.30 UAH + 84.00 UAH per day (Extended). Prices on this site are those figures converted to euro with the service fee included.
• Claims are paid in hryvnia only. Each payout reduces the remaining sum insured.
• Term: 3 to 180 days on this site, fixed at purchase. A policy cannot be extended.
• No deductible.
• Up to 10 insured people on one policy; the price is per person.

Cancelling the contract

You may withdraw within 30 calendar days of concluding the contract and receive the premium back in full, paid within 5 banking days of your application. Two exceptions remove that right: a policy term shorter than 30 days, and any event already reported under the policy. Most short trips therefore fall outside it. See refunds.

Claims

Call the assistance line first. If you pay yourself, submit documents within 30 calendar days of seeking care; the insurer decides within 15 working days of holding the complete set. See how to file a claim.

Official documents and public registers

These are the authoritative documents issued by the insurer and the intermediary. They prevail over any summary on this site.

• Public offer No. 1 “Brave” (PDF, UA/EN)
• General terms of the BRAVE insurance product (PDF)
• Standard insurance product information (PDF)
• Product sheet — Standard (PDF)
• Product sheet — Extended (PDF)
• Public contract, LLC “Welcome to Ukraine” (PDF)
• Refund policy (PDF)
• Consent to processing of personal data (PDF)
• Information for clients — Euroins Ukraine
• National Bank of Ukraine registers — search by company code: 22868348 (insurer), 44559356 (intermediary)
• Verify your policy — Diia signature service (upload the PDF and the .p7s file; Ukrainian-language)

The offer is executed in Ukrainian and English; where the versions differ, the Ukrainian text prevails.