In the first quarter of 2025, INGO paid out over UAH 177 million in insurance indemnities. Of this amount, more than UAH 174.2 million was allocated to health insurance claims, while UAH 3.38 million was paid for accident-related insured events. Compared to the same period last year, the number of customer claims increased by 37%.

Commenting on the reasons behind this increase, Marina Zvarych, Head of the Personal Insurance Department at INGO, stated:

“We attribute the rise in claims to a general decline in public health,” said Marina Zvarych, Head of the Personal Insurance Department at INGO. “Prolonged stress caused by the ongoing war has contributed to a surge in chronic illnesses and increased susceptibility to seasonal infections such as SARS, influenza, and COVID-19. This year, the situation was further compounded by weather conditions—an unusually long cold season that lasted through the end of April extended the period of viral outbreaks. We’ve also seen a rise in cancer diagnoses. Fortunately, thanks to our insurance programs, many clients are receiving timely diagnoses and access to necessary treatment.”
Marina Zvarych

The majority of clients sought outpatient care, which accounted for 54% of all medical referrals. Another 22% were related to medication expenses. This is expected, as these services form the core of most health insurance programs and cover the majority of common illnesses. Inpatient care made up 8% of claims, dental services 6%, ambulance calls 1%, and the remaining 10% covered other services outlined in the insurance contracts.

In accident insurance, injuries made up the majority of claims, accounting for 64% of the total. Fatalities represented 14%, critical conditions 11%, and disabilities 6%.

During the reporting period, INGO provided services to over 58,000 insured persons under health insurance programs and more than 25,000 under accident insurance contracts. The majority of clients are employees of Ukrainian companies that consistently invest in the safety and well-being of their teams.

“We regularly analyze request trends not only to respond promptly, but also to build lasting trust,” says Maryna Zvarych. “Behind these numbers is the daily dedication of our team, ensuring that our clients truly feel cared for.”
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