If you want to learn more, you can review the documents with detailed information
An insurance program that provides quality treatment to the Client in case of diagnosis of critical illnesses, namely: oncology, cardiac surgery and neurosurgery, life-saving organ transplantation, and also covers a rehabilitation program.
Such insurance program will provide you with peace of mind and confidence in financial support in case of critical illness diagnosis.
The average cost of treatment for conditions like cancer is around 500,000 Ukrainian hryvnias in Ukraine or up to 60,000 US dollars abroad. Especially expensive are the long-term medications that are needed.
Having such a program helps the patient focus on recovery rather than worrying about finding funds or selling valuable possessions. Time is crucial in this case because early detection and treatment guarantee a 93% chance of recovery.
With “TAS-Doctor“, you gain easy access to top-quality healthcare and prompt organization of follow-up diagnostics and treatment.
We have chosen the best domestic clinics for our clients
We cover the costs of surgical interventions and hospital stays
Economy class tickets for all modes of transportation for two persons, 3-4 star hotel accommodation including breakfast
We cover medication and innovative treatment expenses
Notification
Treatment
Documents
If you are already a Client under the “Doctor TAS” insurance program, you only need to familiarize yourself with the new terms of the “TAS-Likar” program, choose the appropriate insurance package, sign the insurance contract using an SMS password, and make the payment. If you have not had a contract under the “Doctor TAS” program before, you will additionally need to sign a medical declaration regarding your health condition at the time of entering into the insurance contract.
It is an event for which insurance coverage is provided.
It is an event specified in the insurance contract that has occurred and triggers the obligation of the insurance company to make an insurance payment.
It is the monetary amount within which the Insurer is obligated, according to the insurance terms and conditions of the Contract, to make a payment in the event of an insurance claim.
Treatment of malignant neoplasms (oncology). Any malignant disease characterized by uncontrolled growth and spread of malignant cells infiltrating tissues of various histological types. The diagnosis must be confirmed by histological results or, in the case of systemic cancer, cytological examinations.
Cardiovascular surgery. Surgical procedures recommended by a cardiologist to restore blood flow in the heart arteries by bypassing the site of narrowing (occlusion) of one or more coronary arteries using bypass grafts (shunts), as well as replacement or treatment of one or more heart valves or vascular surgery, stenting, or surgical treatment of cardiac arrhythmias. The diagnosis must be established during the term of the insurance contract and confirmed by radiological diagnostic methods.
Neurosurgery. Surgical intervention on the brain or other intracranial structures, including surgical treatment of benign spinal cord tumors, as recommended by a neurosurgeon. The diagnosis must be established during the term of the insurance contract and confirmed by radiological diagnostic methods.
Depending on the selected insurance package, the insured amount is set at 100,000 euros, 150,000 euros, or 200,000 euros for the entire duration of the insurance contract. The treatment is conducted within the limits of the insured amount.
Insurance is not available for individuals who are disabled (Groups I, II, III), cancer patients, those with severe cardiovascular diseases (congenital heart defects, angina, myocardial infarction, coronary artery bypass grafting, stroke, etc.), individuals with HIV/AIDS or related diseases, as well as individuals registered in narcological, tuberculosis, psychoneurological, dermatovenerological dispensaries, or HIV prevention and control centers. The program is designed for individuals up to 64 years old; individuals older than that are not eligible for insurance.
Notify us about the insurance claim through a convenient method for you:
You will be informed about the specific medical documents required, such as X-rays, test results, pathology samples.
Afterwards, you will be provided with a list of Ukrainian clinics for the treatment of your condition. Once you decide where you would like to receive treatment, we will arrange transportation and accommodation for you and your companion, and cover the expenses for treatment and medications.”
If the illness occurs for the first time, the treatment will be provided within the overall insurance coverage specified in the insurance contract.
Please send scanned medical documentation, MRI and/or CT scan discs, and glass slides after histological examination to the email address [email protected].
The liability for an insurance case is applicable from the moment the services are initiated according to the terms of the Insurance Policy in connection with an event recognized as an insurance case during the term of the insurance policy. In this case, the expenses for treatment are covered by the Insurer until the completion of the treatment. The completion date of the treatment is considered as the date of the last visit to the doctor after which no new course of treatment has been prescribed to the Insured Person, except for medical preparations for therapeutic or prophylactic purposes and/or follow-up examinations by a doctor.
During the following 12 months (the first year) after the completion date of the treatment, the Insurer fully covers the expenses for medications and no more than 4 (four) consultations with doctors in Ukraine. Starting from the second to the fifth year after the completion date of the treatment, the Insurer covers 1 (one) preventive/diagnostic examination by a specialist doctor in Ukraine.
Transportation, a 3-4 star hotel, including breakfast, is covered.
The complete list of exclusions from insurance cases and reasons for refusal of insurance payments is specified in sections 8 and 9 of the Insurance Program terms.
The main exclusions from insurance cases include:
Additional exclusions regarding oncology:
Additional exclusions regarding cardiac surgery and neurosurgery:
In the event of force majeure circumstances on the territory of Ukraine that prevent the insurer from fully or partially fulfilling its obligations under the insurance contract, the insurer’s representative has the right not to organize diagnosis and treatment. In this case, the insurer makes an insurance payment directly to the insured person in the amount of the expenses incurred for medical services in Ukraine, as provided by this Program, based on documents confirming the incurred treatment expenses.
If the medical institutions that are partners of the insurer do not accept the insured person for treatment due to the inability to treat the diagnosed condition, the insurer makes an insurance payment directly to the insured person in the amount of the expenses incurred for medical services in Ukraine, as provided by this Program, based on documents confirming the incurred treatment expenses. In case of treatment of the insured person abroad, supported by relevant documentation, the insurer makes a one-time insurance payment of 25,000 euros in the case of malignant neoplasms or the need for neurosurgery, and 10,000 euros in the case of the need for cardiac surgery.
If you want to learn more, you can review the documents with detailed information
Every day we wake up to sirens that signal danger. So is critical illness insurance timely now?
Let’s think about it. Each year in Ukraine, slightly less than 120,000 new cases of cancer are diagnosed, with an annual mortality rate of over 55,000. However, the number of patient visits to oncological facilities has significantly decreased in recent years. “Why?” you may ask. There is a logical explanation for this. During the height of the coronavirus pandemic in 2020, every fifth Ukrainian who should have visited an oncologist did not do so. That’s approximately 20,000 people who sought medical attention in 2021 with advanced stages of cancer. In 2022, due to military aggression, the number of patients with diagnosed conditions and therefore starting treatment will be even smaller.
Furthermore, the cost of this treatment scares every Ukrainian. Financial resources are being depleted, and forming new ones is very challenging. That’s where life insurance for the diagnosis of critical illnesses comes in handy.
The TAS-Doctor insurance program offered by TAS Life insurance company provides quality treatment for clients in the event of a diagnosis of critical illnesses, namely oncology, cardiac surgery, and neurosurgery.
Don’t hesitate and contact the experts at TAS Life to enroll in this innovative program.
Thank you for your trust! The application has been sent, expect a call from our managerPlease leave your contact information. Our expert will call you and help you with everything, as well as answer any remaining questions you may have.