Insurance for business

What do we offer Business?

Health insurance We provide high-quality treatment of the employee in case of diagnosis of critical diseases, namely: oncology, cardiac surgery and neurosurgery.
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Life insurance We offer insurance protection against military risks for civilians, in case of detection of diseases, in case of injuries received as a result of an accident, COVID-19, in case of disability, loss of life. Read more

Insurance of military risks The issue of safety and security of employees comes first for employers. We will provide compensation in the event of injury, disability, hospitalization or surgery, as well as loss of life of an employee as a result of the military actions of the aggressor. Read more

Small and medium business support Are you a small or medium business owner? Was your company relocated? You have just resumed your activity and are working for the Victory - check out our special terms of insurance for your team. Read more

TAS Life - Small and medium business support

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Why should a business insure its employees?

Economic support of business

Leave your own funds for the business, and TAS Life will pay for the treatment of injuries or complex illnesses of employees

Healthy and efficient employees

Insured employees get sick 25%-50% less often and return to their duties faster

Increasing brand loyalty

Due to the feeling of care, employees will be loyal to the company, the level of loyalty and trust in the brand will increase

A tool for attracting the best personnel

Life insurance is a competitive advantage and motivation when choosing an employer

Exclusive service package for each insurance contract

A separate service manager

Assists with all issues related to the Insurance Contract

Bonus with low unprofitability

Up to 20% discount on the cost of the contract with low profitability when extending contracts

Reporting and analytics

We provide business owners and managers, HR with quarterly reporting and analytics according to their collective agreement

Reminder and longing

We will remind you about payment, make calculations, prepare documents and take into account your wishes when extending the contract

Presentations, master classes and Q&A sessions

Conducting presentations, master classes and Q&A sessions to employees regarding their insurance and their families

Modern communication system

The landing page, branded for the Client, is created for communication with employees

Gifts during longing

In case of extension of the validity of the Insurance Contract, it is possible to receive master classes and lectures from experts and partners of TAS Life

Social projects

Participation in social projects with benefits for employees (free expert consultations, preventive examinations, financial literacy)

Insurance of international and Ukrainian brands that have offices abroad is carried out with the support of the International Insurance Pool IGP, USA

Our partner has been offering global corporate insurance solutions for over 50 years.

Founded and managed by John Hancock Life Insurance, USA. The company is rated “AA-” by S&P.

In each country, IGP cooperates with only one insurance company. In Ukraine, the interests of the pool are represented by TAS Life.

Our Corporate Clients

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Frequently asked questions / FAQ

How to choose an insurance program?

In order to choose an insurance program for your team, you need to answer several questions:

What is your goal when concluding a life insurance contract?

Is it protecting the life or health of workers? Are you planning to create a separate pension fund for your employees?

The choice of the corporate insurance program will depend on what purpose of insurance you choose.

Our experts will help you with this and make appropriate calculations. Leave a request and we will contact you as soon as possible.

How to get a calculation for your team?

To receive a detailed calculation, please fill out the Application for corporate insurance and send it to [email protected]

What is required to conclude a corporate Agreement?

In order to conclude an employee life insurance contract, it is necessary to submit only the Application for insurance, certified by the signature of the manager and the seal of the enterprise.

Since TAS Life is a subject of financial monitoring, according to the current legislation, it is required to check the legal entity and take several documents certified by the signature and seal of the head of the enterprise. Although we ourselves do not like additional papers, we must comply with the laws.

Therefore, together with the insurance application, you need to submit the following package of documents. It is the same as when working with a bank.

Questionnaire on financial monitoring for legal entities of the established model;
A copy of the extract or extract from the unified state register of legal entities and individual entrepreneurs (with the current date of issue);
Copy of the Charter;
A copy of the document confirming the election (appointment) of officials who have the right to act on behalf of a legal entity without a power of attorney;
A copy of the power of attorney specifying the powers, issued by the head of the legal entity in the name of the authorized representative of the legal entity (in the event that an authorized person acts on behalf of the legal entity under a power of attorney to conclude this contract);
A copy of the extract from the national depository (for joint-stock companies);
Copy of Certificate of bank institution (document confirming account opening);
A copy of financial statements for the last year (balance sheet and report on financial results);
Copies of the passport and personal identification number of the official who has the right to act on behalf of the legal entity Insured.

What will be the taxation of contributions?

When concluding a corporate life insurance contract, the insurance premiums that the company will pay are included in the gross costs. This is provided for in Article 134.1.1. of the Tax Code of Ukraine, as well as described in the Regulation of national accounting standards and international financial reporting standards.

In addition, the following taxation of insurance premiums is provided for:

18% personal income tax + 1.5% Military sum – article 164.2.16 of the TCU

22% – contributions are subject to the EUV – Article 2.3.4 of the Instructions on Wage Statistics

If we are talking about the execution of the Additional Pension Agreement, then the taxation of contributions will not be in the amount of up to 30% of the Labor Remuneration Fund in accordance with Article 164.2.16 of the TCU, as well as there will be no accrual of ESSV in accordance with Article 3.5. Instructions on salary statistics

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TCU – Tax Code of Ukraine

Personal income tax – personal income tax,

EUV is a single social contribution

How will the payments be taxed?

Payments will be taxed in accordance with the requirements of the Tax Code of Ukraine.

For your convenience, we have arranged everything in a table, which you can view here.

Are there any bonuses when signing a corporate Agreement?

When signing any corporate insurance contract as a gift, you receive the “Navigator” service, which allows you to receive professional advice in case of diagnosis of critical illnesses in an employee or his family members regarding the choice of clinic or country of treatment.

And also an exclusive service package for your contract. More details here

What insurance programs can be obtained with the International Group Program (IGP)?

The international insurance pool IGP offers a wide range of innovative solutions in its product line aimed at risk management, cash flow generation, and cost reduction on an international level. Using economically effective and individualized underwriting approaches both locally and internationally, IGP aims to maximize the financial stability of its clients' international accounts. Read more

Як мотивувати працівників або Що у вашому соцпакеті

Nataliia Stykhalska

How to Motivate Employees

Nowadays, in the job market, salary is no longer the main competitive advantage for employers. To attract and motivate employees, employers are looking for new ideas and constantly expanding their benefits package. The presence of a benefits package gradually becomes an integral part of the image of a successful and attractive company in the job market. Read more

Nataliia Stykhalska

Do business owners need life insurance?

In our previous blogs, we touched on an interesting topic: are there categories of people who don't need life insurance? We considered the reasons why a single person still should pay attention to life insurance, evaluated their work, and financial contribution to the family budget, and came to the conclusion that our programs would come in handy here. Read more

Golden fish of corporate business

"In the year 2028, two former IT professionals, both over 60 and having not seen each other for a long time, met. One was athletic and dressed in stylish clothing, with the latest MacBook ULTRAPro special edition XXVIII under his arm, while the other was looking disheveled and sad. They started talking about life. The second IT professional asked the first, 'Tell me your secret - how did you manage to succeed like this? Did you catch a golden fish or start mining bitcoins? We started off the same, but now I can barely afford to pay off my loans and take my family on vacation once a year.' Read more

Is employee insurance relevant during wartime?

16% of companies have experienced employee injuries and 15% of companies have experienced fatalities during a full-scale intrusion, according to survey data from the American Chamber of Commerce. Both military and civilians suffer from injuries received in war. In addition, no one ruled out oncology, cardiovascular and other diseases.

We have adapted our employee insurance programs to today’s realities, adding up-to-date coverage for war-related risks for civilians, additional turnkey service for critical illness treatment, as well as the effects of COVID-19. Therefore, in the product line for business from TAS Life, you will be able to find exactly the coverage that will best satisfy the team, provide it with protection and financial support in the event of injury or illness.

Health insurance from TAS Life – is represented by the “TAS-Likar Business” program, which will allow an employee to receive re-diagnosis and treatment of complex critical diseases, such as oncology or cardiovascular diseases, with insurance coverage amounts from three to six million hryvnias.
Life insurance from TAS Life – for the team, you can choose both ready-made solutions based on the most frequent requests from teams, and develop an individual insurance program with an exclusive set of insurance risks.
Insurance against military risks – will provide insurance coverage in case of receiving injuries as a result of passive combat operations.

We understand how important it is to support small and medium-sized businesses today, so we offer special insurance conditions for owners. Terms and conditions can be found here.

Why is it desirable to insure your team?

This provides a number of advantages for business: from economic support to increasing the level of employee loyalty to the employer and to the company brand.

Why should you choose TAS Life?

We have over 20 years of experience working with both Ukrainian and international brands. Our portfolio currently includes more than 400 corporate clients. You can read more about us here.

We wish you and your employees good health!

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