How much insurance do i need

The rating of Ukrainian insurers is updated monthly and is based on an analysis of the availability of insurance programs, official statistics of Ukrainian insurers, and our personal experience and the experience of our friends (in most of them we insured personally → received payments → satisfied).

How much insurance do i need

Insurance Companies are not assigned positions - they are presented in a free order, i.e. they can be considered equally recommended.
There are no companies in this rating that offer non-market insurance rates.

First of all, the specialization of companies, their professionalism, image and experience of work in the insurance market of Ukraine in this type ( including managers, agents, employees ),
the rate of business growth, presence in the regions of Ukraine, the quality and consistency of top management and key specialists, support of parent companies, structure and diversification of the insurance portfolio, efficiency and quality of settlement, quality and conditions of insurance programs, interest in the development of the client base and the desire of insurance companies to work with individuals, quality of underwriting, brand strength and the prevalence of a positive image of the insurer in the market ( among partners and clients), client base, the level of payments for a specific type of at least 30%.

CASCO

How to insure a car under CASCO?

  • insure a car for up to 7 years for a full package of risks ( full CASCO ) … and then sell the car :slight_smile:
  • deductible for damage 0.5%, deductible for theft 5% ( deductible for damages 0% is unreasonably expensive ), insurance without wear (more expensive by 20%)
  • for the full market value - the sum insured
  • if the car is under warranty, repair it at a company service station ( more expensive by 10-15% )
  • payment in any case “guilty-innocent” ( more expensive by 15% )
  • amount you can choose an aggregate ( i.e., reduced after each accident by the amount of damage, but the premium can be paid in addition to the full insured amount after an accident, which may not exist )
  • parking anywhere (it can be more expensive)
  • buy CASCO in combination with CTP and DGO policies (in the complex it is cheaper)

If this information is not enough for you to, see our website for CASCO insurance.

OSAGO

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How to insure the liability of a car owner using OSAGO?
  • do not insure “CHEAP!” or “DISCOUNT on OSAGO 35-50%” and other appeals (especially in cars on the road, pasted over with posters). In most cases, it sells “insurer-less-five-minute-bankrupt” policies or stolen policies or unregistered policy blanks that cannot be paid.
    After the introduction of new doubled limits on OSAGO, it is not necessary to ensure the driver’s voluntary liability to Third partieis because of a new limit of 50 thousand UAH. on property it will be enough, but if there is a desire to increase the limit by 250 thousand UAH, then you will have to pay 350-400 UAH.

Green map

When a vehicle leaves the territory of countries that are members of the Green card system its owner is obliged to purchase a single form certificate (green card policy), i.e. movement without this policy on the territory of these countries is prohibited.

The guarantor of payments to insurers is the Motor (Transport) Insurance Bureau of Ukraine (i.e. insurers sell, and MTIBU pays).

If this information is not enough for you to see the cost of the green card on our website.

Travel insurance

Travel insurance gurrantecompensation for medical expenses related to the provision of emergency medical care during your stay abroad.
If you have travel insurance, you are guaranteed to receive free medical care abroad under the selected insurance program. All expenses related to payment for consultations of doctors and payment for medicines will be made by the insurance company.

How to buy a travel insurance policy for traveling abroad?

  • minimum coverage 30,000 euros
  • 0% deductible (as a rule, in programs that are included in the tour price, the deductible costs 50 dollars or euros)
  • pay attention to the exceptions and “special” conditions of the insurance contract.
    Six: If you plan to play sports, visit a water park or slide, ride an ATV or jet ski - you need to pay extra for extended coverage.

Health insurance

Voluntary health insurance programs are not standard (if they are not corporate insurance for employees) - they are developed individually and can be formed as a constructor depending on your needs and requests.

Insurers are reluctant to insure the health of individuals, since individual VHI contracts are unprofitable (the average loss ratio for individuals can exceed 100%), so they are 20% more expensive than corporate medical insurance programs.

How can the cost of VHI programs for individuals and legal entities be reduced?

due to franchises for doctors ( you can pay 20-50% of the cost of a consultation yourself.)

  • due to sub-limits for medicines ( . Unlimited provision of medicines is more expensive than with a sublimit of UAH 2000* )
    except for branded class A + clinics ( Boris, Oberg, Medicom )
    Except for private hospitals ( as a rule, wards in branded clinics are occupied or reserved, and you still have to deal with departmental hospitals.)
  • except for dentistry

Corporate health insurance - today has become a more relevant tool for motivating employees than before. You can consider the equity participation of the employer and the employee (50% to 50%, 60% to 40% or 70% to 30%), or adjust the cost of the contract with franchises and sub-limits for medicines and services. Besides, you can additionally ensure the life and health of the team against critical illnesses.

How to properly insure a team under voluntary medical insurance?

ensure employees and their family members with a 10-20% deductible and sub-limits for medicines ( this disciplines employees to get sick less and restrains medical institutions to heal* )

  • exclude dentistry ( cheaper by UAH 1,000 )
  • approach employee categories selectively, offering different programs and coverage ( basic, standard, elite ).

If this information is not enough for you to see our special project on health insurance.

Property and apartment insurance

How to properly insure your property?

To ensure the interior decoration, i.e. “repair” (wallpaper, windows, tiles, parquet, etc.) for a full range of risks, including FLEXA (fire, disaster) and flooding (sum insured UAH 100,000, tariff 0.2%, franchise UAH 1,000. )

  • property and communications in an apartment or house, including “counterfeit third party” (theft, pogrom, vandalism), flooding, and risks of FLEXA with a separate division by equipment (baths, batteries, air conditioners), household appliances, clothing (mink coats), furniture, computer equipment (insurance amount UAH 100,000, tariff 0.2%, deductible UAH 1,000)
    Six liability to third parties - neighbors (if neighbors have average repairs, then it is enough to choose a limit of up to UAH 30,000) ( insured amount UAH 30,000, tariff 0.5%, deductible UAH 1,000)

Additionally, you can

  • insure the structure (walls) of an apartment or house from damage and destruction (for example, from a gas explosion, falling UFOs, TU-154, elements). Banks are very fond of insuring this under mortgage agreements. the probability of mudflows, a plane crash, and a gas explosion is minimal, but it still exists (for example a gas explosion in Dnepropetrovsk)
    The cost of insurance of a construct at an apartment cost of 1 million hryvnyas. - UAH 2 500 (tariff 0.25%)

How can the cost of VHI programs for individuals and legal entities be reduced?

  • due to franchises for doctors ( you can pay 20-50% of the cost of a consultation yourself )
  • due to sub-limits for medicines ( unlimited provision of medicines is more expensive than with a sublimit of UAH 2000 )
    except for branded class A + clinics ( Boris, Oberg, Medicom )
    Except for private hospitals ( as a rule, wards in branded clinics are occupied or reserved, and you still have to deal with departmental hospitals)
  • except for dentistry

Corporate health insurance - today has become a more relevant tool for motivating employees than before. You can consider the equity participation of the employer and the employee (50% to 50%, 60% to 40% or 70% to 30%), or adjust the cost of the contract with franchises and sub-limits for medicines and services. Besides, you can additionally ensure the life and health of the team against critical illnesses.

Conclusion

Six ensure employees and their family members have a 10-20

How much insurance do I need](What is cheap auto car insurance florida)

% deductible and sub-limits for medicines ( this disciplines employees to get sick less and restrains medical institutions to heal* )

  • exclude dentistry ( cheaper by UAH 1,000 )
  • approach employee categories selectively, offering different programs and coverage ( basic, standard, elite )