Insurance products chosen by IT specialists in Ukraine
For a long time, insurance remained something conditional for IT specialists. There are several deferred salaries, there is a corporate social package, there is a feeling that "it will somehow be paid off." There was never a desire to understand contracts and fine print.
Full-scale war, constant displacement, medical care when you don't know where to turn - many have specific reasons to reconsider this approach. Insurance companies have responded: insurance policies against war risks, programs for critical illnesses, and a clear mobile service in the application have appeared. Let's figure out what is really useful for IT professionals using the example of ARX - a partner of the Lviv IT Cluster.
For a long time, insurance remained something conditional for IT specialists. There are several deferred salaries, there is a corporate social package, there is a feeling that "it will somehow be paid off." There was never a desire to understand contracts and fine print.
Full-scale war, constant displacement, medical care when you don't know where to turn - many have specific reasons to reconsider this approach. Insurance companies have responded: insurance policies against war risks, programs for critical illnesses, and a clear mobile service in the application have appeared. Let's figure out what is really useful for IT professionals using the example of ARX - a partner of the Lviv IT Cluster.
Health insurance when sick leave is expensive
Corporate health insurance (CHI) is the most common insurance product in IT companies. Most large employers in the industry include it in their social package. When an employee knows that in case of illness he will not have to pay out of pocket, he is less likely to consider offers from competitors.
In practice, the policy covers consultations with specialized doctors, tests and diagnostics, delivery of medicines, dentistry. In some packages, vaccinations or pregnancy support are also included. ARX Assistance works around the clock: they make an appointment with a doctor on their own, without queues and telephone marathons, and they organize the order of medicines. In the MyARX application, you can track the status of your application and find a pharmacy nearby.
Another important detail for companies: people with access to quality medical care are sick for less time and take less sick leave. And VHI in the social package is one of the few benefits where the difference between "having" and "not having" is physically felt.
CASCO and auto insurance
The car insurance policy is issued via ARX in 5 minutes on the company's website: you only enter the car number, the documents are automatically pulled up from "Diya", and the policy arrives at the post office. In addition, the payment can always be divided into three equal parts by choosing a convenient partner bank: Monobank, Privat Bank, A-Bank, OTP Bank. The deferral can be applied to any package: basic Car Insurance, Additional Car Insurance (DCV) or Car Insurance "All Inclusive".
CASCO at ARX is available in several formats: from MiniCASCO — coverage of the consequences of a road accident, insured amount from 50 to 250 thousand UAH, to "All Inclusive" — unlimited number of insured events and protection abroad. ARX has maintained leadership in the CASCO market for 17 years in a row with a trust rating of 4.8 out of 5.
Military risks
A few years ago, such products simply did not exist.
CASCO "Iron Dome" is a program against damage from missiles, drones and debris. It is issued for 3, 6, 9 or 12 months, the car inspection is carried out through the MyARX application. You can issue this policy even without the main CASCO at ARX or another insurance company.
" Armored Protection " — life insurance against injuries, including those resulting from military actions (shells, mines, bullets, building collapses) and domestic accidents. Available for 1, 3, 6 or 12 months.
Property insurance against war risks for apartments and houses operates throughout Ukraine, except for occupied and frontline zones within 100 km.
In 2025, ARX settled 172 such cases for over 59 million hryvnias.
Travel and business trips
You shouldn't travel without travel insurance , because a day of inpatient treatment, for example, in Israel or the USA, can cost several months' wages. ARX covers emergency medicine, dentistry, evacuation, repatriation, as well as flight delay and lost luggage. Active recreation and sports are also covered, without additional surcharges.
Here you should also not forget about the Green Card , without which you cannot travel abroad by car. The Green Card is an international insurance certificate of civil liability of owners of land vehicles. If you cause an accident in another country, the policy will cover the damages caused to the injured party. Without it, you will have to cover all the costs yourself, and in Europe, the compensation amounts can reach hundreds of thousands of euros. ARX has the most favorable tariff for experienced drivers. The “Green Card “Auto Concierge”” is issued online at arx.com.ua in a few minutes. The policy includes the “Auto Concierge” service — 24/7 support in Ukrainian.
Critical illnesses. Treatment abroad
" Medicine without Borders " is an insurance program for critical illnesses, including oncology. Coverage up to 500,000 euros per year. In the event of a complex diagnosis, ARX takes care of the selection of a clinic (Spain, Israel, Turkey, Poland or Ukraine), logistics, consultations with a supervising physician and a medical translator, travel and accommodation costs for the insured and accompanying person. The patient is responsible for the treatment, the company takes care of the organizational part. The policy can be paid for in installments.
ARX and Lviv IT Cluster
ARX is a partner of the Lviv IT Cluster , an association of over 300 IT companies and 100,000 professionals. Cluster members receive special conditions from the insurance company.
You rarely think about an insurance policy until you need it. But when you can just call the insurance company when you need it and get the advice and services you need, the difference is tangible!
