Why Is an Electronic Insurance Policy Legally Valid?

An electronic insurance policy is an official document confirming that an insurance contract has been concluded. Its legal validity is supported by both Ukrainian legislation and secure digital technologies.

Compliance with the Civil Code of Ukraine

Under Article 207 of the Civil Code of Ukraine, agreements concluded through the exchange of electronic documents are legally valid where permitted by law.

Electronic Trust Services

The Law of Ukraine “On Electronic Trust Services” grants electronic signatures the same legal force as handwritten signatures. When purchasing insurance online, a qualified electronic signature ensures:

• Document integrity – once signed, the policy terms cannot be altered.
• Identity verification – both the insurer and the policyholder can be reliably identified.
• Data protection – all policy information is protected against unauthorized modification.
• Time-stamped records – the policy includes an electronic timestamp confirming the exact date and time the insurance contract was concluded, providing important legal evidence if required.

What Laws Regulate Online Insurance in Ukraine?

Online insurance services in Ukraine are governed by a comprehensive legal framework that protects consumers and recognizes the validity of digital insurance products.

Law of Ukraine “On Insurance”

The Law of Ukraine “On Insurance” establishes the legal principles of insurance activities, including the remote conclusion of insurance contracts. Article 12 of the Law explicitly allows insurance policies to be concluded in electronic form.

Law of Ukraine “On Electronic Commerce”

This law regulates electronic commercial transactions, including online insurance. It requires insurers to provide customers with complete, accurate, and transparent information about the insurance policy before it is purchased.

Regulatory Requirements

Electronic insurance policies must comply with the requirements established by the relevant Ukrainian regulatory authorities. These regulations define the mandatory information that every electronic policy must contain and ensure that digital insurance documents meet all legal standards.

Personal Data Protection

The Law of Ukraine “On Personal Data Protection” governs how customer information is collected, processed, and stored during the online insurance purchase process, ensuring confidentiality and data security.

Thanks to this comprehensive legal framework, online insurance is not only convenient but also secure and fully compliant with Ukrainian legislation. An electronic insurance policy is an official document that can be presented wherever proof of insurance is required, including consulates, healthcare providers abroad, law enforcement authorities, and other institutions.

Why Is Online Insurance Better Than Traditional Insurance?

Choosing online insurance means choosing convenience, efficiency, and flexibility. Instead of visiting an office, completing paper forms, and waiting for your policy to be issued, you can purchase insurance in just a few simple steps.

Save Time

The entire process—from selecting a policy to receiving your electronic insurance document—typically takes just 10–15 minutes. There’s no need to travel, wait in line, or schedule appointments.

Complete Transparency

You build your insurance policy yourself by selecting the coverage options that best meet your needs. The total premium and all policy terms are available for review before payment.

Anytime, Anywhere

You can purchase insurance online 24/7 from any device with an internet connection, wherever you are.

Secure Transactions

Advanced encryption technologies and modern cybersecurity standards protect your personal information and payment details throughout the entire purchasing process.

Better Value

Because online insurance reduces administrative and operating costs, insurers can often offer more competitive premiums while maintaining the same level of insurance protection.

What Insurance Products Can Be Purchased Online?

TAS life offers a wide range of insurance solutions that can be purchased quickly and conveniently online.

Personal Accident Insurance

This comprehensive insurance solution provides financial protection against accidental injuries sustained at home, during everyday activities, or outdoors. The policy also includes coverage for selected critical illnesses.

What Is Covered?

Benefits are payable for:

• fractures;
• burns;
• sprains and other accidental injuries;
• permanent disability resulting from an accident;
• accidental death;
• diagnosis of covered illnesses.

How to Purchase the Policy

Simply choose your preferred sum insured, complete a short health questionnaire, and pay online. Your electronic insurance policy will be delivered instantly to your email address.

How to File a Claim

If an insured event occurs, notify TAS life through the Contact Center or your Personal Account and upload copies of the required medical documents confirming the injury or diagnosis.

Sports Accident Insurance

Designed for both amateur and professional athletes, this policy provides financial protection against sports-related injuries.

Coverage for Amateur and Professional Athletes

For amateur athletes attending sports clubs or fitness centers, the application process is simple and straightforward.

Professional athletes whose activities involve regular training and competitions are insured under specialized terms that reflect their higher level of risk.

Online Application

When purchasing the policy, simply indicate your sport and training frequency. Coverage applies during both training sessions and competitions.

Subscription Insurance

Subscription Insurance is an innovative solution that provides continuous protection without the need to renew your policy every year.

How It Works

You purchase your policy once, and it is automatically renewed every month. Premium payments are made automatically using your preferred payment method.

Key Benefits

• Continuous insurance protection without renewal reminders.
• Flexible subscription management.
• The ability to modify or cancel your subscription at any time.

Travel Medical Insurance

Travel Medical Insurance is an essential companion for international travel. In many countries, it is required for obtaining a visa and provides financial protection throughout your trip.

Coverage Includes

• Emergency medical treatment
• Hospitalization
• COVID-19 treatment
• Emergency dental care
• Medical repatriation

If You Need Medical Assistance Abroad

Your electronic policy contains all coverage details and the contact information for the Assistance provider. If an insured event occurs while traveling, contact the Assistance service immediately so they can coordinate your medical care.

Critical Illness Insurance

Critical Illness Insurance provides financial support if you are diagnosed with a serious medical condition.

Covered Conditions

Coverage typically includes:

• cancer;
• heart attack;
• stroke;
• major heart surgery;
• and other serious illnesses specified in the policy terms.

Claim Process

To receive claim payments, you will need to submit medical documentation confirming the diagnosis, including medical reports, discharge summaries, and diagnostic test results, in accordance with the policy conditions.

Additional Services & Partner Solutions

Alongside its insurance products, TAS life offers a range of value-added services designed to enhance your insurance protection and provide access to professional medical support whenever you need it.

Medical Navigator

Medical Navigator is a dedicated assistance service that helps policyholders organize treatment for serious and critical illnesses.

What the Service Includes

Our specialists can help you:

• find the right physician or medical center;
• arrange medical consultations;
• obtain an independent second medical opinion;
• receive support throughout your treatment journey.

How It Works

Simply contact the TAS life Customer Support Center, and you will be connected with a Medical Navigator who will guide you through every step of the process.

International Medical Second Opinion

This service provides access to leading international physicians and medical institutions.

What You Receive

• Expert review of your diagnosis by internationally recognized specialists.
• Personalized treatment recommendations.
• Access to alternative treatment options available worldwide.

Depending on your needs, consultations may be provided remotely through telemedicine or arranged in person at a leading international medical facility.

Secure Online Consultations

Medical consultations are conducted through secure digital platforms with professional interpretation and full coordination when required.

Telemedicine

Telemedicine gives you convenient online access to qualified physicians across a wide range of medical specialties.

When You Can Use It

The service is ideal for:

• acute health concerns;
• treatment adjustments;
• interpretation of laboratory test results;
• general medical advice without visiting a clinic.

Part of Your Insurance Protection

Telemedicine is often included as an additional benefit with TAS life insurance programs, providing comprehensive support for you and your family.

How to Purchase Insurance Online

Buying insurance online with TAS life is simple, secure, and takes only a few minutes.

Step 1. Choose Your Insurance Product

Visit the Online Insurance section on the TAS life website and select the insurance solution that best fits your needs, such as OnLife, Travel Medical Insurance, or another available program.

Step 2. Complete the Application

Provide the required information, including:

• full name;
• date of birth;
• contact details;
• identification document information.

Step 3. Review Your Quote

Based on the information provided, the system will automatically calculate your premium.

Before proceeding, carefully review:

• coverage limits;
• deductibles (if applicable);
• exclusions;
• policy terms and conditions.

Step 4. Sign and Pay

Read the electronic insurance agreement, complete the secure electronic signing process, and pay using your preferred payment method, including a bank card or online banking.

Step 5. Receive Your Policy

Once payment is confirmed, your electronic insurance policy will be sent instantly to your email address. It will also be available in your Personal Account on the TAS life website.

How to Verify Your Insurance Policy

Every electronic insurance policy includes a unique policy number and a QR code.

You can verify its authenticity and validity at any time through your Personal Account on the TAS life website or by contacting our Customer Support Center.

What Should You Do If an Insured Event Occurs?

Following these simple steps will help speed up the claims process and ensure you receive assistance as quickly as possible.

1. Notify TAS life Immediately

Contact the TAS life Customer Support Center using the phone number provided on the website or in your insurance policy, or submit a claim through your Personal Account.

Be prepared to provide your policy number.

2. Follow the Instructions

Our claims specialists will explain the next steps, including:

• which medical provider to visit;
• what documents are required;
• how to submit your claim.

3. Keep All Supporting Documents

Please retain all relevant documentation, including:

• medical certificates;
• hospital discharge summaries;
• laboratory and diagnostic reports;
• invoices and receipts;
• police reports (if applicable).

Original documents or high-quality scanned copies may be required during the claims assessment.

4. Submit Your Claim

Upload the required documents through your Personal Account or send them to the designated email address provided by TAS life.

Tips for Faster Claim Processing

• Report the insured event as soon as possible.
• Complete the claim form carefully and accurately.
• Ensure that all medical documents are properly issued, dated, signed, and stamped by the healthcare provider.

Practical Benefits of Online Insurance

In addition to saving time, online insurance offers a number of practical advantages.

Instant Access to Your Policy

Your insurance policy is always available on your smartphone or in your email inbox, so there’s no risk of forgetting or losing a paper document.

Easy Policy Management

Through your Personal Account, you can:

• view all your policies;
• contact support;
• submit claims;
• monitor claim status;
• manage your insurance online.

Environmentally Friendly

Choosing an electronic insurance policy helps reduce paper consumption and supports a more sustainable future.

Transparent Communication

Your communication history, policy documents, and claims information are securely stored in one place for convenient access whenever you need them.

Choose Insurance That Fits Your Lifestyle

Online insurance from TAS life is more than a modern digital service—it’s a convenient, reliable, and secure way to protect what matters most.

Whether you’re looking for life insurance, health insurance, accident protection, travel coverage, or critical illness insurance, you can purchase your policy online in just a few minutes and enjoy comprehensive insurance protection backed by one of Ukraine’s leading life insurance companies.

Get insured online today and gain greater confidence in tomorrow—for yourself and the people you care about most.