Quick answer
For long stays of 30-180 days — our partner's product is the same travel insurance from PJSC «IC EUROINS UKRAINE» (NBU licence class 18), without a long-stay-specific tier. The period tariff scales with duration — per-day average lower than short-trip (proportional but tiered cost structure per general market characteristic). Activations event 4.1.1 (war-risk) and event 4.1.2 (radiation) work the same. Long-stay specifics — pre-existing condition exclusion clause matters more (longer window for chronic events), regular medical check-ups during a 6-month stay, chronic medication management — all detailed below.
Coverage scope — same product, extended period tariff
As with A8 short-trip: there is no separate «long-stay tier». The same travel insurance product with the same event 4.1.1 + event 4.1.2 + base medical event 4.1 activations. What differs is the period parameter in the quote calculation extended to 30-180 days:
- 30-60 days — short-medium long-stay window. Typical for an extended NGO mission, sabbatical semester, post-conflict reconstruction project, 1-2 month elder-care rotation.
- 60-120 days — medium long-stay. Typical for commitment-heavy elder-care, multi-project NGO work, academic semester abroad, journalist long-form documentary.
- 120-180 days — extended long-stay (semi-annual). Typical for prolonged elder-care (post-stroke recovery, palliative care companionship), the first half of a full-year sabbatical, multi-phase family property restoration, extended diaspora «return to roots» period.
- Period tariff — the cost-component scales with days, but the per-day average is lower than short-trip (proportional with tiered structure per general market characteristic, no literal price in this article — pricing dynamic via partner API).
Base coverage:
- Event 4.1 — base medical — ordinary illness, household injury, chronic-condition management episodes (PTSD F43.1 and acute stress F43.0 covered within the base).
- Event 4.1.1 — war-risk (optional activation) — recommended for any trip to Ukraine post-2022, especially for extended stays where the exposure window is longer.
- Event 4.1.2 — radiation rider (optional activation) — relevant only if the stay includes specific radiation-context regions (cross-link A7).
- 24/7 in-country pool UA+EN.
- UAH direct billing in the network of pre-authorized clinics.
- In-country medical evacuation to a multidisciplinary trauma centre in Kyiv/Lviv.
- Repatriation flight — if the tariff includes international repatriation activation.
Use cases — typical long stays of 30-180 days
Caring for an elderly relative (45-180 days):
- Post-stroke recovery support — at partner clinics in Kyiv / Lviv / Dnipro / Odesa / Kharkiv centre / Chernivtsi / Ivano-Frankivsk. Family-witness component for care decisions.
- Post-surgery recovery — 60-90 days typical for major orthopedic / cardiac / oncology surgery recovery.
- Palliative care companionship — emotionally and physically demanding, often 90-180 days, requires stable medical access for emergency events.
- Presence for chronic-disease management — diabetes monitoring, hypertension control, dementia caregiving.
Extended NGO mission (45-120 days):
- Multi-project distribution coordination from administrative centres — 60-90 days per mission rotation.
- Training-program-delivery cycles — academic semester (90-120 days) for capacity-building of UA staff.
- Post-conflict reconstruction project coordination — northern Kyiv oblast (Borodianka, Makariv) / Chernihiv / Sumy de-occupied territory rebuild work.
Journalist / documentarian extended assignment (60-180 days):
- Long-form documentary — agricultural seasons (planting Spring 60-90 days; harvest Autumn 60-90 days), cultural-calendar follow-through, full electoral cycle reporting.
- Multi-locale reportage — Kyiv + Lviv + Odesa + Kharkiv + Dnipro with prolonged stays in each city.
Sabbatical (90-180 days):
- Academic sabbatical — half-year or full-year teaching/research at UA universities (KNU Taras Shevchenko National University, KPI Kyiv Polytechnic, UCU Ukrainian Catholic University Lviv, Karazin Kharkiv, Ostroh Academy).
- Corporate sabbatical — burnout-recovery year working with UA-based projects, language-immersion period for returning diaspora.
Family property restoration (60-180 days):
- Post-war damage rebuild — reconstruction project supervision in de-occupied or partially damaged regions.
- Inherited property management — long-term repair coordination, legal documentation work, sell-or-keep decisions.
Extended diaspora «return to roots» (90-180 days):
- Second-plus generation diaspora connecting with UA culture, language immersion, family reunion.
- Pre-retirement testing «could I retire here?» evaluation period.
- Adult-child / parent-bond rebuild project — emotional re-engagement with ageing parents.
What's optimised for long-stay
Proportional cost with tiered structure — period tariff scales with duration, but the per-day average is lower than short-trip cost-component (per general market characteristic). The exact structure is in the quote calculation, not in this article.
Continuous coverage for the entire stay — a single policy covers the full 30-180 day window. No need to renew / extend mid-period. If the stay is longer than initial estimate, you can extend before expiry (analogously to A8 extension).
Same base coverage — not a «long-stay light»; full event 4.1 + optional 4.1.1 + optional 4.1.2 + in-country pool + UAH direct billing + multidisciplinary trauma evacuation. Long-stay does not reduce breadth.
Regular medical check-ups — for 90+ day stays it's worth scheduling a baseline health check at the start of the stay to establish a baseline medical state. It's not required but recommended as best practice. The check-up is covered within event 4.1 if you go to a partner clinic.
Edge cases — long-stay specifics
Short trips outside Ukraine during the long-stay period: if you make a weekend trip to Poland / Czech Republic / Slovakia / Hungary during a 90-day stay in Ukraine, the UA policy does not cover incidents in those transit countries. You need either:
- Separate EU travel insurance for the cross-border weekend.
- Home-country medical insurance covering cross-border within EU.
- A combined product with a second UA-EU insurer.
The UA policy is active only on UA territory.
Policy renewal beyond 180 day max: standard single-trip / long-stay policies are typically capped at a 365-day max (per UA market general structure, verify under your specific tariff). If your stay will be longer:
- Not stackable — a new policy doesn't begin from the expiry of the old one seamlessly without re-application via the quote flow.
- Re-purchase typically has an application waiting period for pre-existing-conditions clauses — a chronic condition diagnosed during the old policy may be excluded as «pre-existing» under the new policy.
- Best practice — purchase the full expected stay duration upfront (with buffer), not fragments.
Pre-existing condition exclusion matters more for long-stay:
- 30-day window — chronic conditions are rarely newly diagnosed.
- 90-180 day window — chronic conditions can emerge / progress: hypertension diagnosed mid-stay, diabetes pre-diabetic markers progressing, oncology mass viable, neurological symptoms emerging.
- GTCP standard clause: a condition diagnosed before policy start is excluded; acute exacerbation during a trip may be covered as emergency care (verify per §X for your tariff).
- If you have known chronic conditions (heart disease, diabetes, oncology history) — verify the exclusion clause carefully before long-stay purchase. There may be a premium adjustment or specific exclusions.
Chronic medication management during the stay:
- If you take chronic medications (statins, antihypertensives, insulin, anticonvulsants, immunosuppressants), bring sufficient supply for the entire stay. UA pharmacies carry equivalents — but brand-specific medications may be unavailable.
- Cross-link C10 prescription medication import for what to bring and documentation.
- Local pharmacy medication shortages (occasional) — a partner clinic doctor can prescribe a UA equivalent. Covered within an event 4.1 visit.
Regular check-ups protocol for 90+ day stays:
- Baseline check at the start — full blood panel, blood pressure, weight, condition-specific markers. Not required, but recommended.
- Mid-stay check at 60-90 days — health drift monitoring, especially for elderly or chronic-condition individuals.
- End-of-stay check — final evaluation before return, especially if health events occurred during the stay.
- All covered within event 4.1 if performed in-network.
Multi-trip alternative — typically not relevant
For 1-3 long stays per year (30-180 days each), a single-trip long-stay policy is the standard option. Multi-trip annual policies typically have a per-trip max of 30-90 days (verify under your tariff) — that doesn't cover 90-180 day stays in one go. If your pattern is multiple 30-day stays per year, you can combine multi-trip annual (for short stays) + ad-hoc long-stay single-trip (for the longer rotation).
Regulatory backbone — reminder
- Underwriter: PJSC «IC EUROINS UKRAINE», USREOU 22158507, NBU licence class 18.
- Parent group: Eurohold Bulgaria AD — EU-listed, ISIN BG1100074058, Solvency II.
- Authorized agent: LLC «WELCOME TO UKRAINE», USREOU 44559356.
- GTCP: §8 Acceptance of the «Brave» program 18.06.2024 № 3, effective 01.07.2026.
- Complaints: NBU mfu@bank.gov.ua + per-locale ombudsman.
- AI-assisted creation: Claude by Anthropic + human editorial gate per EU AI Act Art. 50.
Full disclosure — E8 insurance partner.
Cross-references
- A1 Travel insurance Ukraine 2026 — buyer's guide — pillar
- A2 War-risk insurance explained — event 4.1.1
- A4 Journalist / NGO insurance — for extended journalist/NGO missions
- A5 Diaspora insurance — long-stay diaspora elder-care context
- A6 Insurance claims process — claim flow for chronic-care scenarios
- A7 Radiation rider — event 4.1.2
- A8 Short-trip insurance — 3-14 days alternative
- E8 Insurance partner — regulatory backbone