Before day 90 of a visa-free remote stay, check two dates: where your stay count stands and the end date printed on your policy. Visa-free foreigners can stay up to 90 days during 180 days, unless Ukrainian legislation or an international treaty sets a different period. One policy runs for 3 to 180 days.
The two dates answer different questions. The count decides how long you may stay, and a policy does not lengthen it. The printed end date decides how long your current contract runs; if your plans run past it, a further policy follows as its own contract with its own dates. The same checks apply whether you freelance for clients abroad or work remotely for an employer in another country.
Checklist before day 90 of a remote stay
Before day 90 you need eight checks, split into two groups: the legal basis that lets you stay, and the contract that decides how long your cover runs.
The first group concerns the legal permission to remain in Ukraine, while the second group concerns the insurance contract's duration and coverage.
- Your stay count: paragraph 2(2) of Cabinet of Ministers Resolution No. 150 of 15 February 2012 sets the visa-free limit of 90 days during 180 days.
- The counting method: the resolution hands it to the Ministry of Internal Affairs, whose method decides your total.
- Your printed end date: the last day of your current policy, where that contract stops.
- The policy term: between 3 and 180 days for any one policy, so no single contract can hold a longer plan.
- The next dates: the start and end you pick for a further policy, which should cover the days still planned in Ukraine.
- The kind of care covered: emergency outpatient and inpatient treatment as defined in the public offer.
- The amount of cover: 100,000 UAH (about EUR 2,000) per insured person on Basic or EUR 30,000 on Advanced.
- The legal basis for staying longer: for a temporary residence permit, Article 5 of Law of Ukraine No. 3773-VI of 22 September 2011 names a valid medical insurance policy in the document lists for many grounds.
The first two checks belong to the law and the next three to the contract, which is why they are kept apart. You can be well inside the visa-free count and close to a printed end date, or the other way round.
Your printed end date deserves the closest look. You picked it when buying, and it marks the last day the current contract runs. If your lawful stay will outlast it, the remaining days call for a further policy with dates of its own.
The kind of care matters more over several months than on a short trip. The public offer defines both an acute illness and an accident, and it describes an accident as "a sudden and unforeseen event caused by external circumstances". Routine care is outside it: clause 8.3.10 excludes services that are not medically necessary to diagnose or treat an acute illness or an accident.
Freelancers and remote employees read the list in the same order, and for both the dates that count are the ones printed on the contract.
A note on the 180-day cap
The term has a floor and a ceiling: the briefest policy runs for 3 days and the longest for 180.
Clause 3.8 of the public offer rules out extending a contract's term. If your stay goes on past the printed end date, it moves to a further policy, a contract of its own with a new start date and a new end date.
A plan of 240 days could therefore be split, for example as 180 and 60 days, or as 120 and 120 days.
What counts in either split is that each contract stays within the term and that the printed dates of the two, read together, cover your days in Ukraine. Because you pick the dates, set the second policy's printed start and end dates to cover the days that remain after the first one's printed end date.
The cap comes from the product, while the limit on a visa-free stay comes from Resolution No. 150.
Official texts behind the 90-day count
The 90-day count comes from paragraph 2(2) of Resolution No. 150, and three more texts sit beside it.
- Resolution No. 150 of 15 February 2012, Cabinet of Ministers of Ukraine: the stay rules for visa-free foreigners in paragraph 2(2) and for visa holders in paragraph 2(1).
- Law of Ukraine No. 3773-VI of 22 September 2011, Verkhovna Rada of Ukraine: residence-permit documents in Article 5 and grounds for refusing a visa in Article 11.
- Cabinet of Ministers Resolution No. 118 of 1 March 2017, Cabinet of Ministers of Ukraine: the insurance amount for a visa applicant in paragraph 5(4).
- Ministry of Foreign Affairs of Ukraine, visa information page: the EUR 30,000 minimum for visa applicants and the visa types, including the D-type visa for longer stays.
The resolutions and the law can be read in full on the official portal: Resolution No. 150, Law No. 3773-VI and Resolution No. 118.
Paragraph 2(1) matters if you arrive on a visa: it ties your stay to the period the visa grants, within the visa's validity, unless an international treaty sets another period. For a stay beyond 90 days, the ministry's visa page describes the D-type visa for a foreigner who intends to apply for a temporary residence permit.
Applying for a temporary residence permit follows its own text. One of the mandatory documents for this process is a health insurance policy issued by a licensed Ukrainian insurer.
A visa file is a separate matter again. Paragraph 5(4) of Resolution No. 118 asks visa applicants for cover of at least EUR 30,000 or its equivalent in another currency, unless legislation or a treaty provides otherwise; holders of diplomatic and service passports are exempt. Article 11 of Law No. 3773-VI lets a visa be refused when no valid policy is held although one could have been obtained in the country of application. The visa guide sets out the application steps.
How a second policy sits beside the first
A second policy extends your cover on new dates, but it does not lengthen your legal stay and it does not extend the first contract.
As an illustration, take a solo remote worker from Germany who spends the summer in Poltava on a 90‑day first policy.
If the worker leaves by day 90, the printed dates of the 90-day policy already match the stay, and no further contract is needed. If the work is meant to go on into the autumn, the stay comes first: the extra weeks need a legal basis of their own, such as a temporary residence permit (Article 5 of Law No. 3773-VI names a valid medical insurance policy in the document lists for many grounds).
Once that is settled, the first contract still does not grow to match: it keeps its printed end date, and the extra weeks go on a further policy with its own printed start and end. If the extra stretch is 45 days, the further policy runs for 45 days, within the 3-to-180-day term.
The worker then holds two contracts, best read as a pair. Set side by side, the end date of the first and the start date of the second show whether together they cover every day in Poltava.
A worker who knows from the start that a permitted stay will last 130 days has a shorter route: a single policy of 130 days, which the term allows. Country information for German readers is on the Germany country page.
Where remote-work and visa questions are covered
Two points from the policy terms belong here as well. The public offer lists emergency outpatient treatment and emergency inpatient care among its medical services. Preventive vaccinations and medical examinations appear among the costs it does not pay.
The amount of cover is the same choice throughout: 100,000 UAH (about EUR 2,000) per insured person on Basic or EUR 30,000 on Advanced. For a visa file, only the EUR 30,000 figure reaches the amount in paragraph 5(4) of Resolution No. 118.
Once the dates are clear, get a quote for the stay you have planned.
Frequently asked questions
What happens at day 90 of a visa-free remote stay?
The visa-free count reaches its limit of 90 days in 180, and a medical policy does not extend it. Staying longer needs a legal basis of its own: the Ministry of Foreign Affairs ties the D-type visa to a planned temporary residence permit for a stay of more than 90 days.
Does a short-term medical policy replace routine care on a long remote stay?
No. The public offer describes emergency outpatient treatment and emergency inpatient care, and clause 8.3.10 excludes services that are not medically necessary to diagnose or treat an acute illness or an accident. Preventive vaccinations and medical examinations are excluded as well.
How does a freelancer plan a second policy?
By its printed dates. A further policy is a contract of its own, and its start and end should cover the days left in Ukraine after the first policy's printed end date. The first contract cannot be extended to reach them.
Which official text sets the 90 days in any 180 days limit?
Paragraph 2(2) of Cabinet of Ministers Resolution No. 150 of 15 February 2012, which applies to visa-free foreigners unless Ukrainian legislation or an international treaty sets a different period. The counting method is left to the Ministry of Internal Affairs.
What should a remote employee check on the printed policy dates?
That they match your days in Ukraine. You pick the dates at purchase, they appear on the policy, and they should cover the whole stay. A plan beyond 180 days needs a second policy with its own dates.
Where does a residence-permit file differ from a visa-free remote stay?
In the text that governs it. A visa-free stay follows the count in Resolution No. 150. A temporary residence permit file follows Article 5 of Law No. 3773-VI, whose document lists name a valid medical insurance policy for many permits.