Reliable Insurance for Safe Travel Abroad — The “VFS” Program

An official insurance product from PJSC “INSK.” Get comprehensive medical assistance, accident protection, and coverage for COVID-19 treatment during your travels around the world.

Key Benefits:

  • Insurance coverage: from $30,000 to $60,000 (or EUR)

  • Geographic coverage: Europe (Schengen), the United Kingdom, Turkey, Egypt, and other countries around the world

  • COVID-19 Coverage: Diagnosis and Treatment Included

  • Affordable price: starting at $0.03 per day

  • Flexible validity period: 15 days to 1 year (single-entry and multiple-entry)

What does the insurance policy cover?

1. Urgent outpatient care (up to $1,000 / €1,000)

Medical consultations, necessary examinations to establish a diagnosis, and medication in the event of an accident.

2. Emergency inpatient care (up to $5,000 / €5,000)

Diagnostics, emergency surgical procedures (within the first 24 hours), hospital stays in regular wards or the intensive care unit, meals, and medications.

3. Emergency dental care (up to $500 / €500)

Examination, X-rays, relief of acute pain, and temporary tooth extraction.

4. Diagnosis and treatment of COVID-19 (up to $500 / €500)

Coverage of expenses related to the diagnosis and treatment of COVID-19 while abroad.

5. Repatriation (up to $3,000 / €3,000)

Arrangement and payment for services related to the transportation of the Insured Person’s remains to their country of permanent residence.

Geographical Scope of the Policy

You can select the desired coverage area during the registration process:

  1. Europe (Schengen), the United Kingdom, Ireland

  2. Europe, Egypt, Tunisia, Turkey

  3. All countries in the world (except for the United States, Canada, Japan, Australia, and Israel)

  4. CIS Countries (excluding Russia and Belarus)

Note: The policy takes effect after the premium is paid and upon crossing the border of the country of permanent residence.

Insurance Terms and Deductible

  • Deductible amount: $100 to $250 (unconditional).

  • Insurance rate: from $0.03 to $2.00 per day.

  • Format of issuance: Electronic insurance policy.

⚠️ Important restrictions and exceptions

  • The main rule: You cannot take out an insurance policy if you are already abroad.

  • Restrictions: Persons who lack legal capacity, persons with Group I or II disabilities, and individuals suffering from severe forms of cancer, cardiovascular diseases, or HIV/AIDS are not eligible for insurance.

  • Exclusions: The policy does not cover elective treatment, chronic conditions (that are not life-threatening), elective prenatal care or childbirth after the 29th week, or incidents that occurred while under the influence of alcohol or while performing hazardous work without the appropriate coverage option.

Legal Information: The insurer is PrJSC “INNOVATIVE INSURANCE CAPITAL” (EDRPOU code 32942598). The “VFS” insurance product program was enacted by Order No. 9-26/OD dated May 27, 2026. Revision: 01-2026.

Frequently asked questions

What is a franchise?

This is the portion of the loss that is not covered by the insurance company. Under this plan, the deductible is mandatory and ranges from $100 to $250, depending on the terms of the policy.

Yes, the “VFS” program covers COVID-19 testing and treatment up to a limit of $500 / €500.

First, contact the 24-hour assistance company at the phone numbers listed in your policy and follow the operator’s instructions.