UNIVERSALNA has joined the Kharkiv IT Cluster community — one of the leaders of Ukraine’s insuran...

May 05, 2026

UNIVERSALNA, an insurance company that over the past 4 years has received 7 top awards in health insurance at prestigious business awards and rankings, has joined the Kharkiv IT Cluster.

• Winner in the category “Leader in Health Insurance”, TOP-100. Rankings of the Largest Companies. 2024, 2025, 2026.
• Winner in the category “Best Corporate Health Insurance”, BankerAwards 2024, 2025.
• Best insurance product “Corporate Health Insurance for Business”, FinAwards 2023, 2025.

For more than 35 years, UNIVERSALNA has been ensuring stability and protection for both businesses and private clients. The company is part of the international financial group Fairfax Financial Holdings (Toronto, Canada).

In this article, we explore how the company is transforming traditional insurance into a digital service, why voluntary health insurance (VHI) is critical for the IT sector, and how UNIVERSALNA’s expertise will benefit community members.

More than insurance: a story of transformation

UNIVERSALNA has evolved from a traditional insurance company into an innovative service provider. The company focuses on creating products that adapt to customer needs “here and now”.

“We don’t just sell insurance coverage — we build a support system that operates invisibly but effectively. It is important for us that every client feels that their property, liability, and health are taken care of by professionals who provide one of the best services on the market,” the UNIVERSALNA team notes.

Today, the company offers a wide range of insurance products, but voluntary health insurance (VHI) has become a key development direction for the corporate sector.

UNIVERSALNA’s solutions are used by Ukrainian and international companies of various sizes — from mid-sized businesses to large corporations.

Technology and speed: 24/7 service

In the IT industry, time is the most valuable resource. UNIVERSALNA has built its assistance service on the principles of maximum speed and convenience:

• Own medical assistance service: more than 150 professional staff members who answer calls within 6–17 seconds.
• Extensive network: direct agreements with over 13,000 partner medical institutions across the country.
• Digital solutions: the Universalna mobile app, electronic insurance card, telemedicine on a smartphone, claims submission via the app, and convenient chatbots (Viber/Telegram).

Instead of standard bureaucracy, clients receive an ecosystem where arranging a doctor’s visit or medicine delivery takes just a few clicks.

VHI 2026: A new standard of care

UNIVERSALNA is actively implementing trends in preventive medicine and mental health support. Modern VHI programs for the IT sector include:

• Psychological support: individual consultations and group training sessions for teams.
• Wellness and prevention: vaccinations, vitamin programs, and health check-ups.
• Flexibility: adaptation of programs to wartime conditions and specific working environments.
• Preventive protection: critical illness coverage programs “MайбутнЄ” (“Future”), which include treatment of oncological, cardiological, and neurosurgical diseases, as well as transplantation services with treatment organization in leading clinics in Europe, Israel, and South Korea, supported by the international assistance provider SM Madanes.

UNIVERSALNA provides a full cycle of support: from diagnosis confirmation to treatment organization, logistics, and patient accompaniment.

Why Kharkiv IT Cluster?

For UNIVERSALNA, joining the Kharkiv IT Cluster community is a strategic step toward the most progressive audience.

“We joined the Kharkiv IT Cluster to be closer to companies that are changing the world. We believe that our expertise in risk management and building effective social benefit packages will help community members strengthen their HR brand and attract top specialists. We see real opportunities within the cluster for exchanging practical experience with tech companies, developing partnerships, and implementing innovations in health insurance. For us, it is also about understanding the needs of modern business, which is becoming increasingly digital-oriented,” says Serhii Sabarin, Executive Director of Voluntary Health Insurance at UNIVERSALNA.

A team that builds confidence

UNIVERSALNA is a company that invests in long-term relationships. A focus on quality (daily CSI service quality monitoring) and openness to change allow the company to remain a reliable backbone for thousands of Ukrainian businesses.

“Our journey is an evolution of service. We continue to improve our IT solutions in insurance and expand opportunities for our partners, maintaining transparency, humanity, and care at the core of everything we do.”

Learn more about UNIVERSALNA and solutions for your business