In anticipation of another lockdown, more and more Ukrainians are thinking about protecting their finances. Therefore, it is now essential to consider how the family budget can be affected by the illness of one or several family members with COVID-19, especially the breadwinner of the family.
Let's break down the financial losses that a family may face:
- Expenses for diagnosis (testing) and/or examination (CT scan).
- Expenses for visits to a family doctor/general practitioner/pediatrician (in private clinics).
- Expenses for medication.
- Expenses for hospitalization.
- Loss of income (for sick working individuals or those who cannot work due to caring for a sick adult or child).
- Delayed compensation for sick leave from the social security fund (there are cases of payment delays for several months).
Of course, one can sit and wonder whether the disease will come to their home or not, or one can prepare and take some preventive measures to be able to cope with adversity as easily and confidently as possible.

So, how can you prepare? By following simple and accessible rules:
- Maintain a healthy lifestyle, namely:
- Watch your diet.
- Avoid harmful habits such as smoking and excessive alcohol consumption.
- Exercise moderately and without overexertion.
- Harden your body
- Avoid overloading yourself and try to avoid frequent strong stress.
- Spend more time outdoors and take walks in the fresh air.
- Wash your hands thoroughly and frequently.
- Wear a mask in large gatherings of people in enclosed spaces.
- Stay in good spirits and don't succumb to panic.
- Get vaccinated, as it has been proven to reduce the risk of severe illness. Of course, this should be a carefully considered decision and a personal choice for each individual.
- Take care of your financial safety net.
It is also very important for employers to take care of their employees and their financial stability, as a satisfied and protected employee does not worry about problems and fully devotes themselves to their work. So, how can an employer show care and strengthen their image among employees? It's very simple.
Insurance company TAS Life has developed a simple and understandable program called "Protection against COVID-19".

What is included in the program:
- COVID-19 diagnosis (positive PCR test and diagnosis by a doctor) with a one-time payment of 3,000 UAH.
- Hospitalization (for 5 days or more) due to COVID-19 infection with a one-time payment of 10,000 UAH.
- Intensive care unit stays due to COVID-19 infection with a one-time payment of 20,000 UAH.
- Death due to COVID-19 infection with a one-time payment of 50,000 UAH to the relative.
- An additional option is "Telemedicine," which provides an unlimited number of consultations with a family doctor and up to 4 consultations with narrow-profile specialists in a convenient format (video/phone/chat), without leaving home.
The cost of such a program for 6 months is 1,500 UAH per person.
The program is available for groups of 5 people or more. It is also possible to insure the relatives of employees (husband/wife, minor children) under the program.
Do you have any questions? Write to us at [email protected]
Take care of yourself and your loved ones!















