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Best Health Insurance in Ukraine

6 insurers ranked and reviewed · Updated May 2026

Sources:Insurance TOPDELO.UANational Association of Insurers of Ukraine (NAIU)

Healthcare System Overview

Ukraine operates a reformed public healthcare system funded through the National Health Service of Ukraine (NHSU), which provides a basic package of guaranteed services to all citizens. Private voluntary health insurance (VHI) plays a significant supplementary role, especially for access to higher-quality care, private clinics, and faster service. The insurance market is consolidating, dropping from 63 registered companies in early 2025 to 57 by year-end.

#1

ARX Insurance Company

АРХ Страхова компанiя

private600K members
100Score
Insurance TOP: #1 Overall Insurer by GWP(2024)
★★★★☆4.0satisfactionFinancial strength: BBB (parent Fairfax Financial Holdings, S&P)

Total Gwp

UAH 3.69B (#1 overall)

Market Position

#1 by GWP, TOP-3 in health

Parent Company

Fairfax Financial Holdings (Canada)

  • #1 ranked insurer in Ukraine by GWP
  • Former AXA Ukraine — strong international legacy
  • TOP-3 in health insurance
  • Part of MAXIS Global Benefits Network
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#2

UNIQA Insurance Company

ПРАТ "Страхова компанiя УНIКА"

private1.0M members
100Score
Insurance TOP: #1 VHI Market Leader(2024)NAIU: #1 VHI Insurer(2024)
★★★★☆4.2satisfactionFinancial strength: A- (parent UNIQA Group AG, S&P)

Vhi Premiums

UAH 1.602B (2024, #1)

Market Position

#1 in VHI

Parent Company

UNIQA Group AG (Austria)

  • Market leader in voluntary health insurance (#1 by premiums)
  • One of only four companies with Ukrainian health insurance licenses
  • Coverage up to UAH 175,000/year for individual clients
  • Pays approximately UAH 100 million monthly in claims
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#3

VUSO Insurance Company

ПРАТ "СК ВУСО"

private500K members
89.5Score
Insurance TOP: #2 VHI Insurer(2024)DELO.UA: Best VHI Company 2023(2023)
★★★★☆4.0satisfaction

Vhi Premiums

UAH 887.4M (2024, #2)

Market Position

#2 in VHI

Nbu Contract

UAH 100M employee health insurance

  • #2 in voluntary health insurance by premiums
  • Won DELO.UA award for best VHI company (2023)
  • Selected by National Bank of Ukraine for employee health insurance
  • Strong digital platform with online purchasing
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#4

UNIVERSALNA Insurance Company

ПрАТ "СК УНІВЕРСАЛЬНА"

private400K members
88.9Score
Insurance TOP: TOP-2 Health Insurer(2024)
★★★☆☆3.9satisfactionFinancial strength: BBB (parent Fairfax Financial Holdings, S&P)

Vhi Premiums

UAH 866.4M (2024, #3)

Market Position

TOP-2 in health insurance

Parent Company

Fairfax Financial Holdings (Canada)

  • TOP-2 in health insurance segment
  • Part of global Fairfax Financial Holdings (100% owned since Jan 2025)
  • Network of 3,000+ medical institutions and pharmacies
  • Over 100 insurance products available
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#5

TAS Insurance Group

ТАС Страхова Група

private350K members
77.8Score
Insurance TOP: #2 Overall Insurer by GWP(2024)
★★★☆☆3.7satisfaction

Vhi Premiums

UAH 652.9M (2024, #5 in VHI)

Total Gwp

UAH 3.53B (#2 overall)

Entry Price

From UAH 1/day

  • #2 largest insurer in Ukraine overall by GWP
  • Affordable premiums starting from UAH 1/day
  • Both life (TAS Life) and non-life (IC TAS) divisions
  • Strong corporate and SME health insurance focus
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#6

INGO Insurance Company

ПРАТ "СК ІНГО"

private300K members
66.7Score
Insurance TOP: TOP-5 VHI Insurer(2024)
★★★☆☆3.8satisfaction

Vhi Premiums

UAH 780M (2024, #4)

Market Position

TOP-3 by assets, TOP-5 by premiums

Insurance Licenses

29 classes

  • TOP-3 Ukrainian insurer by assets
  • Includes INGO Ukraine, INGO Ukraine LIFE, and INGO Medical Center
  • 29 insurance licenses across compulsory and voluntary lines
  • Own integrated medical center for direct care
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About Health Insurance in Ukraine

Ukraine operates a reformed public healthcare system funded through the National Health Service of Ukraine (NHSU), which provides a basic package of guaranteed services to all citizens. Private voluntary health insurance (VHI) plays a significant supplementary role, especially for access to higher-quality care, private clinics, and faster service. The insurance market is consolidating, dropping from 63 registered companies in early 2025 to 57 by year-end.

Our editorial team has evaluated and ranked the top 6 health insurers in Ukraine based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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