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Arsenal Insurance Sums Up H1 2025 Results
The first half of 2025 was a period of dynamic growth and new records for Arsenal Insurance. We've maintained strong financial stability, steadily grown our key insurance lines, and continued actively developing our digital services.
"In the first six months of 2025, we collected over 2 billion UAH in premiums — up 62% from H1 2024. Payouts grew 32%, reaching 783.7 million UAH. This shows that clients trust us, and that we deliver on our obligations quickly and in full," says our CEO Serhii Avdieiev.
Arsenal Insurance continues to strengthen its position in CASCO. In H1 2025, the company collected 1.17 billion UAH in premiums (+35% year-over-year). In June, we overtook our closest competitor for the first time and claimed the #1 spot in the CASCO market.
MTPL grew especially fast. MTPL premiums rose 187% to reach 454.4 million UAH. This result followed the new MTPL law coming into force, which updated insurance terms — raising liability limits and revising rates.
We're actively working on service quality for clients. In H1 2025 alone, Arsenal Insurance settled 8,000 CASCO claims and around 3,000 claims across other insurance lines.
Health insurance also showed rapid growth. Half-year premiums reached 165.1 million UAH, up 53% from H1 2024. This moved us up the Insurance TOP rankings, landing us in the top 7 for this line.
Over the half-year, our medical assistance service processed 80,000 client requests (up from 46,000 in the same period in 2024) and provided care to 18,000 insured individuals — almost one and a half times more than in H1 2024.
"We significantly modernized our assistance service: we moved to a new IP telephony platform, optimized workflows for coordinating physicians, and integrated with one of the largest medication ordering platforms, which greatly sped up medicine delivery. This raised service availability to 87.5% and cut response times by 25%," shares our Medical Director Halyna Balabanovych.
NPS (Net Promoter Score) is a key indicator of client loyalty. At the end of H1 2025, it stood at 91 — meaning 9 out of 10 clients recommend Arsenal Insurance to friends and family. For comparison, the average across Ukraine's insurance industry is 53.9 — 37.1 points below Arsenal Insurance's score.
"We're proud of this result. For us, NPS isn't just a number — it's a real indicator that our clients trust us and value the quality of our service," comments company co-owner Maryna Avdeyeva.
The financial results confirm the strength of the company's business model. Arsenal Insurance's net profit for H1 2025 reached 190 million UAH. For comparison, the figure for all of 2024 was 119.6 million UAH.
By the end of the half-year, we ranked 6th by gross premium volume (according to Insurance TOP), growing significantly faster than most competitors.
Regionally, Arsenal Insurance holds the #1 position in Dnipropetrovsk, Kharkiv, and Zaporizhzhia regions. In Kharkiv, the company leads its closest competitor by more than 1.5 times, and in Zaporizhzhia, by more than double.
In H1 2025, we opened new modern offices in Rivne, Vinnytsia, Lutsk, and Kharkiv. All new locations meet accessibility standards and are designed with client comfort in mind.
War-risk insurance remains a separate focus area. One notable case from the half-year was insuring a large business center in the capital under a PVI model, with placement in the leading reinsurance market, Lloyd's.
After launching an AI-based team health care service in 2024, the company has focused on refining and expanding its functionality. "Our digital office team is preparing a major mobile app update, to be unveiled by year-end, which will make using our insurance services even simpler and faster," says our CDTO Kostiantyn Palazov.
"For clients' convenience, we've built a personal account on the company website where you can view all your policies, payout history, and status — and soon you'll be able to make payments, renew policies, upload documents, and buy new ones," Palazov adds.
"Our focus stays the same — combining reliable insurance protection with innovative digital solutions, so clients get maximum comfort and value from working with us," Serhii Avdieiev concludes.
