In 2025, NASK Oranta collected gross insurance premiums in the amount of UAH 3.73 billion, which is 58% more than in 2024, according to the insurer’s website.
Insurance payments to customers reached UAH 1.15 billion (+76% compared to 2024). The number of active contracts increased to 2.9 million (+21%).
“2025 confirmed Oranta’s ability to operate in conditions of large-scale changes, both regulatory and economic. We not only adapted to the new market rules, but also strengthened our position and continued to fulfill our obligations, in particular under contracts covering military risks,” said Jacek Meisner, Chairman of the Board of Directors.
The report emphasizes that the key factor in the growth was the reform of the compulsory civil liability insurance market for owners of land vehicles (OSCPV).
Oranta’s premiums in the MTPL segment doubled to UAH 3.06 billion. At the same time, the number of contracts decreased slightly: from 1.37 million to 1.21 million. Last year, the company paid out UAH 858 million (+76%) for this type of insurance, which is explained by structural changes in the law, namely an increase in compensation limits to UAH 500,000 for damage to health and UAH 250,000 for property, the abolition of depreciation for cars up to 5 years old, and the introduction of mandatory direct settlement – a mechanism whereby the victim applies for compensation directly to their insurance company.
The loss ratio for MTPL remains at 28%. Despite the reduction in the number of contracts, the company did not resort to dumping and maintained tariff discipline. The average cost of a policy increased from approximately UAH 1,100 to UAH 2,500, according to the information.
In addition to MTPL, the company significantly increased its presence in other segments. Premiums from voluntary medical insurance (VMI) increased by 68% to UAH 148 million, and the number of contracts increased 2.5 times to 547 thousand. Accident insurance increased by 79% in premiums and 2.7 times in the number of contracts.
The property insurance portfolio expanded to 690,000 contracts (+145%), with premiums increasing to UAH 123 million. The company increased the volume of payments in this segment, although the overall loss ratio remains under control.
A separate part of the payments in 2025 was formed by losses related to military risks. In total, during 2025 and early 2026, Oranta settled such cases for more than UAH 28 million. In particular, for damaged housing and vehicles as a result of rocket strikes and drone attacks in various regions of the country. Some of the large corporate losses were settled with the involvement of reinsurance programs.
The company’s assets increased by 55% to UAH 3.55 billion during the reporting period, and its financial result increased by 78% to UAH 279 million. Insurance reserves grew by 71% to UAH 2.32 billion, which corresponds to the volume of accepted liabilities, and profit increased by 77.6%.
In 2025, Oranta transferred almost UAH 380 million in taxes and fees to the budget and state funds. Equity capital of over UAH 1 billion provides the company with a sufficient level of solvency and resistance to market fluctuations.
PJSC National Joint Stock Insurance Company (NASK) Oranta is the successor to Ukrderzhstrakh, founded on November 25, 1921, and has been conducting insurance activities in Ukraine for over 100 years.
Since 1994, the company has been a full member of the Motor Transport Insurance Bureau of Ukraine, and since 2003, a member of the Nuclear Insurance Pool. It has a license to conduct insurance activities in 16 insurance classes.
The company employs over 3,000 experts who provide “full cycle” services: both retail and corporate insurance.
