TAS Life

What TAS Life does

TAS Life (Страхова Компанія ТАС Лайф) is a private Ukrainian life and health insurance company headquartered in Kyiv, founded in 2000 as part of the TAS Group financial-industrial holding. The company is regulated by the National Bank of Ukraine under License No. 30 (dated 23.01.2020) and operates across seven insurance classes covering personal life, health, accident, and related categories. As of 31.12.2025, TAS Life reported 5.6 billion UAH in total assets and 4.0 billion UAH in total liabilities, placing it among the top three Ukrainian insurers by assets.

The company's product portfolio is organized into five streams: life and health insurance (critical illness via TAS-Likar; injury and illness via Формула здоров'я with 50+ covered risks including military); savings and pension products (TAS-Life for adults, TAS-Unior for children, TAS-Pension, and investment-linked contracts in both UAH and USD denominated as TAS-Invest and TAS-Invest Валютний); travel, home, and sports coverage including subscription-based products under the Onlife brand; business and corporate insurance including anonymized group coverage (TASKO) and wartime risk products; and bank-distributed products co-branded with five partner banks (PrivatBank, UnexBank, Idea Bank, TAS Kombank, A-Bank). The technological foundation includes iOS and Android mobile applications, an online contract management portal, an automated claims processing system that completes 80% of payouts within 8 hours, and value-added services such as the Navigator medical coordination network (267 partner clinics in 6 countries) and International Medical Consultation via Diagnose.me.

TAS Life generates revenue through recurring insurance premiums across individual and corporate segments, with pricing varying by coverage level, insured age, and policy term. The go-to-market blends direct digital sales (self-service through the online store and mobile app, contract completion in under 10 minutes), a 370+ consultant intermediary network operating in an MLM-style structure, distribution agreements with five Ukrainian banks, and a corporate sales channel. The customer base covers individual consumers, families, SMEs, large enterprises, sports organizations, and bank-channel customers, with cumulative insured sports-event participants reaching 48,805. Product positioning emphasizes fast payouts, 24/7 digital access, military-risk coverage, and tax-advantaged retirement accumulation in the Ukrainian market.

Name

TAS Life

Legal name

Страхова Компанія ТАС Лайф

Website

https://taslife.com.ua

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

TAS Life is a private Ukrainian life and health insurance company founded in 2000 and part of the TAS Group holding. It serves individuals, families, SMEs, and corporate clients across Ukraine through digital channels, a 370+ consultant intermediary network, and five bank partnerships, offering life savings, pension, accident, medical, and military-risk coverage.

Ownership category

akta.pro rank

Product category

Life and Health Insurance

NAICS

Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)

akta.pro secondary industries

Group Term Life Insurance (FSAIAAAJ), Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• Life insurance products
• Health insurance services
• Accident insurance coverage
• Pension and savings insurance
• Corporate group insurance

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance Premiums: Core revenue from life insurance products including accumulation insurance, pension insurance, investment-linked insurance, and protection products. Collected through regular premium payments from policyholders.
2. Health Insurance Premiums: Revenue from health and medical insurance products covering critical illness, injuries, travel medical insurance, and corporate health insurance plans.
3. Accident Insurance Premiums: Subscription-based accident insurance products including online plans, sports insurance, driver insurance, and household accident coverage.
4. Supplementary Services: Additional revenue from value-added services such as Navigator medical coordination (400 UAH/month or 1000 UAH one-time) and International Medical Consultation (200 UAH/year).
5. Corporate/Business Insurance: Group insurance products for businesses including employee protection, corporate medical insurance, military risk coverage, and team insurance plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

TAS Life underwrites and distributes personal and commercial life, health, and accident insurance products in Ukraine, including savings/pension plans, investment-linked life insurance in UAH and USD, critical illness coverage, and corporate group insurance. The company complements its policies with value-added medical services such as a Navigator treatment-organization service and an international second-medical-opinion program delivered through a Diagnose.me partnership.

Product overview

TAS Life is a Ukrainian life and health insurance company operating since 2000, part of TAS Group financial-industrial holding. The company offers a comprehensive portfolio of insurance products categorized into: (1) Life & Health insurance including critical illness (ТАС-Лікар), personal injury and illness coverage (Формула здоров'я), and life protection; (2) Savings & Pension products including children's savings (ТАС-Юніор), pension planning (ТАС-Пенсія), and investment-linked insurance in both UAH (ТАС-Інвест) and USD (ТАС-Інвест Валютний); (3) Travel, Home & Sports insurance covering tourist medical insurance, home accidents, athlete coverage (Онлайф), and driver accidents (ТАС-Автомобіліст); (4) Business insurance including personal protection, team protection (Командний захист), military risk coverage, and anonymized corporate insurance (ТАСКО); (5) Banking partnerships offering bank-specific products (Захисничка for PrivatBank, Фінансова безпека for UnexBank, Гарант for Idea Bank, ТАС-Іпотека for TASCombank, Твій Захист for A-Bank); (6) Value-added services including International Medical Consultation (MMK) via Diagnose.me providing second medical opinions, and Navigator service for medical treatment organization with 267 partner clinics in 6 countries. All products offer online management via mobile app and personal cabinet, with subscription-based options available.

Differentiator

Problem solved

Functional benefit

Brands

• ТАС-Лайф: Life insurance with savings component for adults
• ТАС-Юніор
• ТАС-Пенсія
• ТАС-Інвест
• ТАС-Інвест Валютний
• ТАС-Лікар
• ТАС-Автомобіліст
• Формула здоров'я
• Твій Захист
• Онлайф
• Захисничка
• Гарант
• ТАС-Іпотека
• Персональний захист
• Командний захист
• Навігатор
• ТАСКО

Products and services

• ТАС-Лікар (TAS-Likar) Critical Illness Insurance Critical illness insurance covering oncology, cardiovascular, and neurological diseases. Provides access to medical treatment in Ukraine and internationally, including Navigator service for treatment organization. Targeted at individual policyholders seeking protection against severe illnesses.
• Формула здоров'я (Formula Zdorovya) Personal Protection Personal insurance product covering injuries and illnesses with protection against 50+ risks including military risks. Covers trauma, critical diseases, and loss of life for individual policyholders.
• ТАС-Юніор (TAS-Unior) Children's Savings Insurance Savings life insurance for children from birth, designed to accumulate funds for the child's future needs including education and other significant expenses.
• ТАС-Пенсія (TAS-Pension) Retirement Insurance Life insurance with pension planning features allowing accumulation of personal pension capital with guaranteed payouts independent of state pension system changes.
• ТАС-Інвест (TAS-Invest UAH) Investment-Linked Life Insurance Life insurance with investment component denominated in Ukrainian Hryvnia, combining life protection with investment opportunities for capital growth.
• ТАС-Інвест Валютний (TAS-Invest Currency USD) Investment-Linked Life Insurance Life insurance with investment component denominated in US Dollars, providing currency diversification and protection against Hryvnia devaluation.
• ТАС-Автомобіліст (TAS-Automobilist) Driver Accident Insurance Accident insurance for drivers covering road accidents, available for clients of online platforms and bank customers.
• Онлайф (Onlife) Subscription Accident and Sports Insurance Subscription-based accident and sports insurance with monthly billing and online management. First month promotional pricing of 1 UAH. Covers athletes, home accidents, and general accident risks.
• Персональний захист (Personal Protection) Business Insurance Business insurance covering injuries, critical diseases, military risks, and protection for small and medium enterprises during wartime. Includes coverage for entrepreneurs.
• Командний захист (Team Protection) Group Accident Insurance Group accident insurance for teams and corporate groups covering injuries for multiple team members under a single policy.
• ТАСКО (TASKO) Anonymized Corporate Insurance Anonymized/depersonalized insurance product for corporate clients allowing businesses to provide insurance benefits without personal identification.
• Добровільне медичне страхування (Voluntary Corporate Medical Insurance) Voluntary medical insurance for corporate clients and employees providing comprehensive health coverage as part of an employee benefits package.
• Медичне страхування туристів (Travel Medical Insurance) Travel medical insurance covering medical expenses abroad, designed for tourists traveling internationally.
• Страхування від побутового травматизму (Home Accident Insurance) Home accident insurance covering injuries occurring in household and domestic settings, available via subscription model.
• Захисничка (Zakhysnychka) PrivatBank Client Insurance Personal protection insurance product designed specifically for PrivatBank customers distributed through the banking channel.
• Фінансова безпека (Financial Security) UnexBank Client Insurance Financial safety insurance product for UnexBank customers distributed through the banking channel.
• Гарант (Garant) Idea Bank Client Insurance Guarantee insurance product for Idea Bank customers distributed through the banking channel.
• ТАС-Іпотека (TAS-Ipoteka) Mortgage Life Insurance Mortgage-related life insurance product for TASCombank customers covering life and health risks related to mortgage obligations.
• Твій Захист (Tviy Zakhyst) Accident Insurance Accident insurance product available for A-Bank clients and general customers covering injuries and accident-related risks.
• Навігатор (Navigator) Medical Navigation Service Medical navigation service for organizing treatment of critical illnesses, providing expert evaluation of clinics and doctors and cost estimates for oncology, cardiology, and neurology treatment. Subscription: 400 UAH/month or 1,000 UAH per incident. Free to clients during martial law.
• Міжнародна медична консультація (International Medical Consultation / Second Medical Opinion) Second medical opinion service via Diagnose.me partnership providing access to 200 international specialists from 25 countries, delivering medical reports within 7 business days. Cost: 200 UAH/year. Available as add-on to main insurance products.

Quantifiable outcome

• 80% of payouts processed within 8 hours
• +5 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability2 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and major.

• Diagnose.mecoreTechnology or IntegrationPartnership with Dutch medical consultation platform providing international second medical opinions. Diagnose.me operates in 6 countries, serves over 3.5 million clients, with 160 experts from 25 countries. Partnership enables TAS Life clients to access international medical expertise through the International Medical Consultation (MMK) service.
• PrivatBank (Приватбанк)majorChannel Partner/ Reseller/ DistributorBank partnership offering Захисничка insurance product to PrivatBank clients through banking channel distribution.
• UnexBank (Юнексбанк)majorChannel Partner/ Reseller/ DistributorBank partnership offering Фінансова безпека insurance product to UnexBank clients through banking channel distribution.
• Idea Bank (Ідея Банк)majorChannel Partner/ Reseller/ DistributorBank partnership offering Гарант insurance product to Idea Bank clients through banking channel distribution.
• TAS Kombank (ТАСКомбанк)majorChannel Partner/ Reseller/ DistributorBank partnership offering ТАС-Іпотека insurance product to TAS Kombank clients through banking channel distribution.
• A-Bank (А-банк)majorChannel Partner/ Reseller/ DistributorBank partnership offering Твій Захист insurance product to A-Bank clients through banking channel distribution.
• International Clinic NetworkcoreStrategic or Co-development PartnerNetwork of 267 partner clinics across 6 countries (Ukraine, Germany, Spain, Israel, Poland, Turkey) plus 3 network laboratories and 2 network pharmacies supporting Navigator medical navigation service for critical illness treatment organization.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Allianz: Global insurance and asset management giant offering life, health, and P&C products worldwide. Comparable as a broad incumbent whose life insurance and savings offerings overlap with TAS Life's accumulation and investment-linked products, though Allianz operates globally rather than focusing on the Ukrainian niche.
• Generali: Major European insurer with global life and P&C operations. Comparable as a broad incumbent offering life, savings, and health products similar to TAS Life's portfolio, but operating across multiple geographies rather than concentrating in the Ukrainian market.

Direct peers

• MetLife Ukraine: MetLife's Ukrainian life insurance arm offering individual life, savings, and accident products to Ukrainian consumers and corporate clients. Directly comparable to TAS Life in core life insurance distribution, product mix, and target segments within the Ukrainian market.
• ARX (formerly AXA Ukraine): Ukrainian insurer (rebranded from AXA) offering life, health, and casualty insurance products. Overlaps directly with TAS Life on life, health, and accident lines and serves similar retail and corporate customers in Ukraine.
• UNIQA Ukraine: UNIQA's Ukrainian operations provide life and non-life insurance products to retail and corporate clients. Comparable to TAS Life in offering multi-line coverage through a combination of agent and digital channels in Ukraine.
• TAS Insurance (TAS Group): Sister company within the TAS Group financial-industrial holding, providing P&C and other insurance lines to Ukrainian consumers and businesses. Comparable as a group-affiliated Ukrainian insurer sharing brand equity, distribution synergies, and conglomerate backing with TAS Life.
• PZU Ukraine: Polish insurer PZU's Ukrainian subsidiary provides life and non-life insurance, including group and individual products. Comparable to TAS Life across life, accident, and corporate insurance lines within Ukraine.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCHk1IbZctb1bfndfEawYSAw
• Facebookfacebook.com/taslifeofficial
• LinkedInlinkedin.com/company/tas-life-insurance-company
• Instagraminstagram.com/taslifeofficial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 TAS Life