VUSO

What VUSO does

VUSO (legal name: PrAT "SK VUSO") is a privately held Ukrainian joint-stock insurance company headquartered in Kyiv, founded on September 24, 2001 and operating under a full set of National Bank of Ukraine licenses covering direct insurance classes 1-14 and 16-18 plus incoming reinsurance. It sells a broad portfolio of non-life insurance products including mandatory and voluntary motor insurance (ОСЦПВ, KASKO including the war-risk KASKO Patriot 2.0 Unlimited), Green Card international motor cover, voluntary medical and travel insurance, property insurance, accident insurance, and a range of corporate and niche liability products. The company serves Ukrainian individual consumers as the primary customer segment and extends distribution to corporate clients, bank customers of partner banks, and foreign visitors/residents requiring coverage in Ukraine.

The company operates a digital-first technology platform built around the vuso.ua website and a mobile application that supports end-to-end online policy purchase in approximately five minutes, electronic policy delivery, instant online consultations, geolocation-based medical-facility recommendations, and a 24/7 chatbot named "Vuso!" for sales and claims support. Underlying infrastructure integrates social authentication (Google, Apple, Facebook), analytics, and electronic policy issuance with email delivery.

VUSO's go-to-market is multi-channel: direct-to-consumer digital self-service, a physical network of 34 representative offices, 2 branches and 20+ agency sales centers across all Ukrainian regions, and embedded distribution through 12+ bank partners (PrivatBank, PUMB, OSCHADBANK, UKRGASBANK, TASCOMBANK and others), electronics retailers (Eldorado.ua, Allo.ua, COMFY), travel platforms (Polis.ua, Hotline.finance, Busfor.ua), telecom (Vodafone Ukraine), and a state housing program. Pricing is risk-based and individualized by product line, with subscription/annual billing cycles on premiums; the company reports top-tier Ukrainian credit and insurance ratings (uaAAA, uaAA, uaInsAAA), a 4.7/5 average customer rating with 84% recommendation rate, and approximately UAH 1.25 billion in annualised premiums as of Q1 2026 across motor, health, and other lines.

Name

VUSO

Legal name

Приватне акціонерне товариство "Страхова компанія "ВУСО"

Website

https://vuso.ua

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

VUSO is a privately held Ukrainian insurance company headquartered in Kyiv, founded 2001, selling motor, health, travel, property, and accident insurance to individual consumers, corporate clients, and bank-channel partners through digital, branch, and embedded-distribution channels.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Insurance Carriers and Related Activities (524), Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Carriers, Nec (6399), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial Package / Business Owners Policies (BOP) (FSAJAMAG)

Keywords

• Motor insurance products
• Travel medical insurance
• Property home insurance
• Voluntary health insurance
• Insurance digital platform

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D

Revenue model

1. KASKO (Auto Insurance): Comprehensive motor vehicle insurance. Premiums of UAH 335,037 thousand (Q1 2026 annualised). Claims paid UAH 208,522 thousand.
2. ОСЦПВ / Автоцивілка (MTPL Insurance): Mandatory motor third-party liability insurance. Premiums of UAH 242,198 thousand. Claims UAH 141,723 thousand.
3. Green Card (International Motor Insurance): Cross-border motor liability insurance for travel abroad. Premiums UAH 61,931 thousand. Claims UAH 26,407 thousand.
4. Health Insurance (Medical): Voluntary and mandatory health insurance products. Premiums UAH 226,435 thousand. Claims UAH 168,328 thousand.
5. Travel Insurance: Tourism insurance for Ukrainian travellers abroad and domestically. Includes assistance services.
6. Property / Home Insurance: Residential property insurance (Страхування житла, Home Unlimited).
7. Assistance Services: Roadside assistance and medical assistance services integrated with insurance products. Premiums UAH 59,996 thousand. Claims UAH 17,107 thousand.
8. Other Lines of Business: Other insurance lines including accident, liability, cargo, financial risks, agriculture, and niche products. Premiums UAH 324,750 thousand.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

VUSO is a Ukrainian insurance company offering a comprehensive portfolio of insurance products including motor (MTPL/OSCAPV, KASKO, Green Card, Mini-KASKO, voluntary auto liability), voluntary and mandatory health/medical insurance, international and domestic travel insurance, residential property insurance (Home Unlimited), and personal accident insurance. Products are sold primarily through a digital-first channel (vuso.ua website and mobile app with ~5-minute online purchase) and supplemented by 34 representative offices, 2 branches, 20+ agency centers, and extensive bank and retailer partner distribution across Ukraine. The company holds 50 insurance licenses covering classes 1-14 and 16-18.

Product overview

VUSO is a Ukrainian insurance company offering a comprehensive portfolio of insurance products through multiple channels including website, mobile app, bank partners, and retail partners. The core product portfolio spans vehicle insurance (MTPL/ОСЦПВ, CASCO, Green Card), health insurance (medical, travel, critical illness), property insurance (homeowners), and professional liability products. The company operates on a digital-first model allowing full online policy purchase in 5 minutes with instant electronic delivery. Key product lines include КАСКО Антистрес (standard vehicle insurance), КАСКО Patriot (military risk coverage), Медичне страхування (health), Туристичне страхування (travel), and Страхування житла (property). VUSO also provides white-label and embedded insurance products through numerous bank partners (ПриватБанк, ПУМБ, ПРАВЕКС БАНК, УКРГАЗБАНК, ОЩАДБАНК, and others) and retail partners (Eldorado, Allo.ua, COMFY, IQOS, Vodafone), including device protection programs, fraud protection, and health products. The company holds 50 insurance licenses covering classes 1-14 and 16-18.

Differentiator

Problem solved

Functional benefit

Products and services

• Автоцивілка (MTPL/OSCAPV) Mandatory Motor Third Party Liability Insurance (ОСЦПВ/Автоцивілка) — legally required insurance covering damage caused to third parties in traffic accidents in Ukraine.
• КАСКО Антистрес (KASKO Antistress) Voluntary vehicle insurance covering damage, theft, and destruction of the insured vehicle with streamlined claims processing.
• КАСКО Patriot / КАСКО Patriot 2.0 Unlimited Specialized vehicle insurance covering military risks including war-related damage, with coverage limits up to 3.5 million hryvnias and 7-day guaranteed payouts.
• МініКАСКО (Mini-KASKO) Budget-friendly compact vehicle insurance offering essential coverage for common risks at reduced premium rates.
• Зелена картка (Green Card) International motor insurance certificate required for driving in EU and other participating countries, providing financial protection for liability in abroad accidents.
• Добровільна автоцивілка (Voluntary MTPL/DGO) Voluntary third-party liability insurance extending coverage beyond mandatory MTPL limits for vehicle owners.
• Автоцивілка PRO (OSCAPV PRO) Enhanced mandatory motor insurance with extended coverage limits and additional protection features beyond standard ОСЦПВ requirements.
• Медичне страхування (ДМС) — Voluntary Health Insurance Voluntary medical insurance providing comprehensive healthcare coverage including doctor consultations, diagnostics, and treatment.
• Медицина в дорозі (Travel Medical Ukraine) Travel medical insurance for trips within Ukraine, covering emergency medical expenses and assistance services.
• Туристичне страхування для виїзду за кордон (VZR) — International Travel Insurance International travel insurance covering medical expenses abroad including COVID-19 coverage, with 24/7 emergency assistance worldwide.
• Для подорожей в Україну (VVU) — Travel Insurance for Visitors to Ukraine Travel insurance for visitors traveling to Ukraine, providing medical and emergency coverage during their stay.
• Страхування житла (Home Insurance — Home Unlimited) Property insurance covering residential housing against fire, flooding, theft, and other covered risks with Home Unlimited program options.
• Страхування від нещасного випадку (Personal Accident Insurance) Personal accident insurance providing lump-sum payments for injuries, disability, or death resulting from accidents.
• Страхування вантажів (CARGO Insurance) Cargo insurance covering goods in transit against loss, damage, or theft during transportation.
• Страхування фінансових ризиків (Financial Risk Insurance) Financial risk insurance covering business losses from various operational disruptions and contingencies.
• Страхування майна підприємств (Business Property Insurance) Business property insurance covering commercial buildings, equipment, and inventory against covered risks.
• Страхування відповідальності оператора ядерної установки (Nuclear Facility Operator Liability Insurance) Nuclear facility operator liability insurance covering nuclear incident damage as required by Ukrainian law.
• Асистанс (Assistance Services) Roadside assistance and medical assistance services integrated with insurance products.
• Страхування предмету іпотеки (Mortgage Property Insurance) Mortgage property insurance covering damage to real estate securing mortgage loans.
• LILO Health Insurance Health insurance product providing medical coverage with network of medical institutions, offered through LILO partner platform.
• Страхування техніки (Device Protection Insurance) Device protection insurance programs including screen protection, parts replacement, and extended warranty sold through electronics retailers.

Quantifiable outcome

• Claims processed within 7 days for KASKO policies
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability2 records

Feature3 records

Partnerships

29 partnerships are on record, tiered core and minor.

• Motor Transport Insurance Bureau of Ukraine (МТСБУ)coreOthersVUSO is a member of the Motor Transport Insurance Bureau of Ukraine (МТСБУ), which is the national Motor Third Party Liability Insurance pool. Membership is required for operating ОСЦПВ (mandatory auto insurance) in Ukraine.
• National Association of Insurers of Ukraine (НАСУ)coreOthersVUSO is a member of the National Association of Insurers of Ukraine (НАСУ), the main industry body for Ukrainian insurance companies.
• Nuclear Insurance Pool of UkrainecoreOthersVUSO is a member of the Nuclear Insurance Pool of Ukraine, enabling it to offer nuclear liability insurance coverage.
• Kyiv Chamber of Commerce and IndustryminorOthersVUSO is a member of the Kyiv Chamber of Commerce and Industry, supporting business networking and certification activities.
• PrivatBank (АТ КБ ПриватБанк)coreChannel Partner/ Reseller/ DistributorMajor bank partner distributing VUSO insurance products to retail customers. Products include KASKO, health insurance, property insurance (Нерухомість без огляду), fraud protection (Захист від шахрайства), oncological protection (Онкозахист), E-liki pharmacy benefit, TOP-DRIVER, and credit-related insurance for bank borrowers.
• PUMB (ПУМБ)coreChannel Partner/ Reseller/ DistributorBank partner distributing VUSO products: Захист власника рахунку від шахрайства (fraud protection), Мандрівник (travel insurance), and mortgage/lending insurance products.
• OSCHADBANK (ОЩАДБАНК)coreChannel Partner/ Reseller/ DistributorBank partner offering VUSO insurance: mortgage/property insurance, KASKO, and accident insurance for bank borrowers.
• UKRGASBANK (УКРГАЗБАНК)coreChannel Partner/ Reseller/ DistributorBank partner offering VUSO Express Protection, account fraud protection, and accident insurance for bank borrowers.
• TASCOMBANK (ТАСКОМБАНК)coreChannel Partner/ Reseller/ DistributorBank partner distributing VUSO fraud protection and accident insurance for borrowers.
• PRAVEKS BANK (ПРАВЕКС БАНК)coreChannel Partner/ Reseller/ DistributorBank partner offering VUSO comprehensive borrower insurance and valuables insurance.
• GLOBUS Bank (БАНК ГЛОБУС)minorChannel Partner/ Reseller/ DistributorBank partner distributing VUSO account fraud protection product.
• UNEX BANK (ЮНЕКС БАНК)minorChannel Partner/ Reseller/ DistributorBank partner distributing VUSO account fraud protection product.
• SENS BANK (СЕНС БАНК)minorChannel Partner/ Reseller/ DistributorBank partner distributing VUSO products.
• KREDOBANK (КРЕДОБАНК)minorChannel Partner/ Reseller/ DistributorBank partner distributing VUSO accident insurance for borrowers and special equipment insurance.
• UKREXIMBANK (УКРЕКСІМБАНК)minorChannel Partner/ Reseller/ DistributorBank partner distributing VUSO insurance products.
• OTR BANK (ОТР БАНК)minorChannel Partner/ Reseller/ DistributorBank partner distributing VUSO insurance products.
• Hotline.financecoreChannel Partner/ Reseller/ DistributorOnline financial services aggregator partner for travel insurance distribution with promotional campaigns (e.g., discounted travel insurance for summer season).
• Polis.uacoreChannel Partner/ Reseller/ DistributorTravel insurance aggregator distributing VUSO products online, including health and travel insurance.
• Eldorado.uacoreChannel Partner/ Reseller/ DistributorMajor electronics retailer partner offering VUSO device and appliance protection programs: screen protection, parts replacement, extended warranty, HiProtection, Buy2try, TV-Protection, Smart-Protection, NB-Protection, Ride-Protection, Kitchen appliance protection, ACS-Safe, Extra replacement.
• Allo.uacoreChannel Partner/ Reseller/ DistributorElectronics retailer partner offering VUSO device insurance programs: TV Protect, IProtect, Express Protect.
• COMFYcoreChannel Partner/ Reseller/ DistributorElectronics retailer partner offering VUSO device protection: screen protection, parts replacement, extended warranty, appliance protection.
• LuxoftminorGTM or Marketing PartnerCorporate partner for employee insurance programs (DMS/health insurance) and insurance offerings for Luxoft staff.
• LILO (ЛІЛО)coreTechnology or IntegrationLILO is both a partner (health insurance program) and a technology partner (insurance intermediary ТОВ ЛІЛО АСІСТЕНС). VUSO offers LILO health insurance products with extensive network of medical facilities.
• IQOSminorChannel Partner/ Reseller/ DistributorPartner offering VUSO device protection programs for IQOS heated tobacco devices: IQOS Extra Guarantee and IQOS Extra Guarantee 360.
• Vodafone UkraineminorChannel Partner/ Reseller/ DistributorTelecommunications partner distributing VUSO insurance products to its customer base.
• Busfor.uaminorChannel Partner/ Reseller/ DistributorBus ticket platform partner distributing VUSO travel/passenger insurance.
• Sport LifeminorChannel Partner/ Reseller/ DistributorFitness club partner offering VUSO GYM GUARD PROTECTION insurance for gym members.
• ДержмолодьжитлоminorChannel Partner/ Reseller/ DistributorState housing program partner for mortgage insurance products.
• Google, Facebook/Meta, Instagram, Twitter (advertising partners)minorGTM or Marketing PartnerMarketing and advertising partners for targeted online advertising, retargeting, and audience analytics. Data sharing is consent-based via cookies.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• UNIQA Ukraine: Ukrainian subsidiary of Austrian insurer UNIQA offering P&C and health products; overlaps directly with VUSO across motor and health lines through bank-partner and digital channels.
• USG Insurance Group (Ukrainian Insurance Group): Ukrainian multi-line insurance carrier writing motor, health and property coverage; similar scale and product portfolio to VUSO with comparable nationwide market positioning.
• PZU Ukraine: Ukrainian subsidiary of Polish insurer PZU offering motor, property and personal insurance products with strong digital and bank-assurance positioning; directly comparable to VUSO in product and channel mix.
• INGO Ukraine (formerly ORANTA Insurance): Major Ukrainian insurance carrier providing P&C, health, and accident insurance with national branch network; directly comparable to VUSO in product breadth, bank-partner distribution strategy, and target consumer segments.
• TAS Insurance Group (TASK): Ukrainian insurance group offering motor, health, property and travel insurance with comparable product breadth and bank-partner distribution strategy to VUSO; similar mid-market carrier profile.
• Alfa Strakhuvannya (Alfa-Bank Ukraine insurance arm): Ukrainian insurance carrier affiliated with Alfa-Bank offering KASKO, MTPL, property and health insurance distributed through bank channels; directly comparable to VUSO's bank-embedded insurance go-to-market.
• Aska Insurance Company: Ukrainian insurance carrier providing KASKO, MTPL, travel, health and accident insurance; competes with VUSO across the same core product categories with similar mid-market positioning.
• ARX Insurance (formerly AXA Insurance Ukraine): Ukrainian direct insurance carrier offering motor, health, travel, property and accident insurance with multi-channel distribution; competes head-to-head with VUSO across KASKO, MTPL, Green Card, and bank-embedded products in the same Ukrainian market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/VusoUa
• Facebookfacebook.com/myVUSO
• LinkedInlinkedin.com/company/vuso-private-stock-insurance-company

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about VUSO