In January–September 2026, NASK “Oranta” settled 55,000 insurance claims, which is 36.7% more than in the same period a year earlier, and paid out 1.15 billion UAH (+47.1%).
According to the insurer’s website, the largest share of payouts was for compulsory motor third-party liability insurance (CMTPL)—UAH 956 million (+62.7%) for 16,400 claims (+4.5%). This difference in trends indicates a significant increase in the size of insurance indemnities.
The company also reports that approximately 8% of claims for property damage under 2025–2026 MTPL policies exceed the previous limit of 160,000 UAH. At the same time, these cases account for more than 30% of the total amount of payouts.
Approximately 55%–60% of the company’s MTPL cases are settled through direct settlement. Among these cases, about two-thirds of traffic accidents are processed using the Europrotocol.
Under comprehensive auto insurance (CASCO) policies, “Oranta” paid out 43.8 million UAH, which is 39.9% more than last year. The number of claims paid grew much more slowly—by 4.1% to 792.
As for health insurance, the company paid out 42.2 million UAH from January through September, which is 80.2% more than during the corresponding period in 2025. The number of claims paid rose by 66.8% to over 36,000.
Under “Green Card” international insurance contracts, the company made payments totaling 88.5 million UAH. This is 21.1% less than last year. The number of claims also decreased from 850 to 609.
Payments for property insurance totaled 10.7 million UAH, and for liability insurance—3.4 million UAH. Another approximately 2.1 million UAH was attributed to accident insurance and other types of insurance.
PJSC National Joint-Stock Insurance Company (NASK) “Oranta” is the legal successor to Ukrderzhstrakh, founded on November 25, 1921, and has been conducting insurance operations in Ukraine for over 100 years. It holds a license to conduct insurance activities across 16 classes of insurance.
Since 1994, NASK “Oranta” has been a full member of the Motor Transport Insurance Bureau of Ukraine (MTIBU), and since 2003, a member of the Nuclear Insurance Pool.
Insurance company PZU Ukraine collected 3.134 billion UAH in premiums from January through September 2026, an increase of 758 million UAH (+32%) compared to the same period last year.
According to the insurer’s website, the largest increase in premiums for the reporting period was recorded in the MTPL segment, which generated 998 million UAH in premiums—representing 32% of the insurer’s total revenue—and was 27% higher than in January–September 2025, for “Green Card” policies—915 million UAH, or 29%—and 39% higher than the corresponding figure for the same period in 2025.
During this period, premiums for comprehensive auto insurance (CASCO) totaled over 549 million UAH, which is 38% higher than in the first nine months of 2025, or 18% of all premiums.
Health insurance accounted for 6% of the company’s portfolio; under health insurance contracts, PZU Ukraine collected 177 million UAH in premiums from January through September 2026. PZU Ukraine’s revenue from other insurance contracts for January–September 2026 totaled 495 million UAH.
PZU Ukraine is backed by one of the largest insurance groups in Central and Eastern Europe—the PZU Group (which includes its parent company, PZU S.A.).
According to data from the National Bank, PZU Ukraine ranks 10th in terms of premiums collected in 2025 among Ukraine’s non-life insurers (47 companies).
From January through September 2026, Ukrainian insurance companies paid out over EUR37.4 million to victims of traffic accidents abroad, which is 0.32% more than during the same period a year earlier.
According to the website of the Motor (Transport) Insurance Bureau of Ukraine (MTIBU), during this period, Ukrainian drivers purchased over 1.1 million international “Green Card” insurance policies, which is 2.8% more than during the same period last year.
Between January and September 2026, 1.111 million “Green Card” policies took effect; during the same period in 2025, there were 1.081 million.
The total amount of insurance premiums for new policies was 4.15 billion UAH, which is 0.3% more than last year (4.14 billion UAH).
The average cost per policy decreased slightly—by 2.4%. While it was 3,828 thousand UAH over the first nine months of 2025, it was 3,737 thousand UAH in 2026.
The MTIBU also reports that the number of contracts terminated early decreased during the reporting period. In the first nine months of 2026, there were 21,109 thousand such contracts, compared to 26,167 thousand last year.
The report highlights that 138,500 international insurance contracts came into effect in September (+5.9%), and insurance premiums for that month rose by 2.7% to 505.1 million UAH.
According to the Bureau’s data, 12 insurance companies entered into international insurance contracts between January and September 2026. Five of these companies accounted for more than 72% of all contracts.
The largest number of contracts was concluded by IC “PZU Ukraine”—242,400, which is 43% more than during the same period last year; SG “TAS”—198,400 (-5.7%); “USG”—160,700 (-27.4%), “Knyazha VIG”—117,500 (+6.5%), and “VUSO”—89,200 (-0.3%).
Among other insurers, the number of policies grew the most at “Ingo”—by 38.5%, to 55.3 thousand. UTSK (+24.3%) and ARKS (+24.7%) also showed positive growth. “Persha” increased the number of policies issued by 19.1%—to 65,600. In terms of insurance premiums, it ranked fourth among all insurers, collecting 345.3 million UAH.
As for claims payments, three insurance companies—TAS, Ukrainian Insurance Group, and PZU Ukraine—accounted for over 59% of all payments.
At the same time, some companies saw a significant increase in claims payments compared to last year. For example, “PZU Ukraine” increased its payouts by 92.5%—from EUR 3 million to 5.8 million. At “Vuso,” the increase was 85.5%—from EUR 0.8 million to 1.5 million. In contrast, at “TAS,” the amount of payouts decreased by 9.4%.
The TAS Insurance Group (Kyiv) collected UAH 6.253 billion in insurance premiums from January through August 2026, which is 9.4% more than in the same period of 2025.
According to the insurer’s website, premiums for comprehensive auto insurance (CASCO) accounted for 14.2% of total premiums over the 9-month period, or 887.6 million UAH (+20.3%); for MTPL—51.7%, or 3.234 billion UAH (+9.3%), and for the “Green Card”—13.54%, or 852.8 million UAH.
In addition, under voluntary medical insurance (VMI), TAS Insurance Group collected UAH 637.1 million in premiums from January through September, accounting for 10.2% of total premiums written and representing a 15.3% increase over the corresponding figure from the previous year; for property insurance policies, the figure was UAH 90.5 million (+27.4%).
Under other insurance contracts, the company collected 551 million UAH in insurance premiums—26.6% more than last year.
The company also notes that in the first nine months of 2026, it paid out 3.107 billion UAH under existing insurance contracts—a 49.9% increase, or effectively one and a half times, compared to the company’s payouts for January–September 2025.
In particular, TAS Insurance Group’s CASCO payouts increased by 20.1% to 603.44 million UAH, accounting for 19.42% of the insurer’s total payouts, under MTPL insurance by a factor of 2.1 to 1.574 billion UAH, accounting for 50.66% of the company’s total payouts, and under the “Green Card” program, TAS Insurance Group paid out 479.24 million UAH, or 15.42% of all payouts.
Under voluntary health insurance policies, TAS Insurance Group paid out 359.46 million UAH over the nine-month period, accounting for 11.57% of the company’s total payouts and representing a 28.2% increase over last year’s figure.
At the same time, payouts under property insurance contracts for the year increased by 19.4%—to 21.71 million UAH. Under other insurance contracts, TAS Insurance Group paid out 69.11 million UAH from January through September—40.5% more than last year.
TAS Insurance Group was established in 1998. It is a universal insurer offering over 80 types of insurance products across various categories of voluntary and mandatory insurance. It has an extensive regional network: 28 regional directorates and branches and 450 sales offices throughout Ukraine.
Kyiv hosted the 12th Kyiv International Economic Forum (KIEF), dedicated to the performance of the Ukrainian economy amid escalating war risks. Discussions centered on how businesses can adapt to new threats, maintain production, and find resources for recovery and development.
Opening the forum, Ukrainian Prime Minister Serhiy Koretskyi stated that Russia has intensified its attacks on the Ukrainian economy. According to his estimates, direct losses exceeded $7.7 billion, and more than 1 million square meters of real estate have been damaged or destroyed. By the end of the year, the prime minister said, the budget will fall short of planned revenues by about $1.5 billion.
At the same time, he emphasized that despite the consequences of the war, the economy continues to function thanks to the resilience of entrepreneurs and their teams, and support for business remains one of the government’s priorities.
“We realize how important it is right now to support Ukrainian businesses in return for this resilience, in return for this dedicated work,” noted Serhiy Koretskyi.
Despite limited budgetary resources, the government is continuing its lending programs and developing mechanisms to insure against war risks. Under the “5–7–9%” program, 580 billion hryvnia in loans have already been issued since the program’s inception. 457 companies have already insured their property under the loss compensation program administered by the Export-Credit Agency, with a potential payout of over 9 billion hryvnia. The next step is a broader system of war risk insurance, to which the state plans to allocate $1 billion and attract an additional $3 billion from international partners.
Among the external challenges are the tightening of EU trade restrictions on Ukrainian exporters, particularly producers of metallurgical and agricultural products. Business representatives spoke of reduced access to the European market, while Ukraine’s representative to the EU, Taras Kachka, discussed accelerating integration into the EU’s internal market and expanding the industrial visa-free regime.
The labor shortage also remains acute. Experts estimate migration losses at approximately 5 million people, while businesses are facing a shortage of skilled workers. Among possible solutions, participants discussed dual education and creating conditions to encourage Ukrainians to return by offering jobs and affordable housing.
The overall business sentiment at KIEF is cautious but pragmatic. The impact of the attacks varies by industry, but companies agree on the need to hope for the best while remaining prepared for various scenarios. Companies are reviewing safety protocols, setting up shelters, and developing their own response systems. In particular, Vyacheslav Klimov, co-owner of the NOVA Group, said that “Nova Poshta” has implemented its own air defense project, which has already shot down Russian drones. Companies are also developing their own fire departments.
“The top priority for Ukrainian businesses is how to adapt to the new challenges of the war and get through this winter. It’s not easy for anyone, so it’s especially important to support one another. If I need services or partners, I turn first and foremost
to Ukrainian companies. This is a matter of principle: by buying goods and services from one another, we support businesses, preserve jobs, and help our economy survive,” emphasized Vasyl Khmelnytsky, initiator of the Kyiv International Economic Forum (KIEF) and founder of the UFuture holding company.
The business community’s main requests to the government are predictable regulations, insurance against war risks, and solutions to the labor shortage. Businesses have learned to operate amid constant threats, but the costs of security and recovery are limiting opportunities for new investments.
“We have held the KIEF both under pandemic restrictions and after the start of the full-scale invasion. This year, the question of how not only to keep businesses running during the war but also to avoid losing opportunities for development has become particularly acute. There are no ready-made solutions to all problems, so it is important to combine business expertise with the capabilities of the government and international partners,” said KMEF CEO Yuriy Pivovarov.
Title partners of the forum: UFuture, Mastercard, AEQUO, PrivatBank, Kyivstar
Forum partners: Sense Bank, NEQSOL Holding, PUMB, DTEK, Ajax Systems, Uklon, General Chereshnya, Biopharma, Eclectic Talents Group, TERWIN, CEO Club Ukraine, BALEX, Naftogaz Group.
Open4Business is the forum’s media partner.
On Tuesday, the Antimonopoly Committee of Ukraine authorized Poland’s Powszechny Zakład Ubezpieczeń S.A. (PZU, Warsaw)—Poland’s largest insurance company and one of the largest financial institutions in Central and Eastern Europe—to acquire MetLife PrJSC, the leader in the Ukrainian life insurance market.
The AMCU noted on its website that it also approved the terms of the purchase and sale agreement concluded by PZU on April 30 of this year with the seller—the Swiss company MetLife Global Holding Company II GmbH—regarding coordinated actions in the form of non-competition clauses and a prohibition on poaching employees for a period of three years.
As previously reported, in May 2026, the PZU Group entered into a preliminary agreement with MetLife Global Holding to acquire 100% of MetLife’s shares. In a report to the Warsaw Stock Exchange, PZU later noted that the planned closing date for the transaction is late 2026 or early 2027, as it also requires approval from the National Bank of Ukraine (NBU).
It was emphasized that the deal strengthens the PZU Group’s position in Central and Eastern Europe, expands its operations in the life insurance segment, and aligns with its strategy to become a regional leader. It was also noted that the investment is insured by KUKE (PFR Group), which provides protection against the negative consequences of a potential deterioration in the military or political situation.
PZU already owns three companies in Ukraine: “PZU Ukraine,” “PZU Ukraine Life,” and “SOS Services Ukraine.” As of June 30, 2026, their combined net assets totaled 14 million PLN (161.9 million UAH), compared to 38 million PLN at the end of last year, while the combined assets of “PZU Ukraine” and “PZU Ukraine Life” totaled 458 million zlotys (5.2972 billion UAH), compared to 429 million zlotys at the end of last year.
MetLife PJSC has been operating in Ukraine since 2002 and is the leader in the Ukrainian life insurance market. In the first half of 2026, the company collected 1.599 billion UAH in insurance premiums, which is 11.4% more than in the same period a year earlier.
Source: https://amcu.gov.ua/news/informatsiia-pro-rishennia-amku-20102026
https://www.pzu.pl/_fileserver/item/1574495
