Voluntary he alth insurance for foreign citizens - the subtleties of registration

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

On the territory of Russia, as in most developed countries, programs of compulsory medical insurance have been operating for a long time. Thanks to them, both residents of the country and non-residents can receive medical care. However, a person who does not have Russian citizenship, but is officially employed, will have to purchase a voluntary insurance policy. What is voluntary he alth insurance for foreign citizens will be discussed in this article.

Benefits of the VHI policy for foreign citizens

Non-residents of the Russian Federation working at enterprises, of course, can get sick or get injured at work. As you know, free medicine and services in clinics leave much to be desired. That is why the best way out is to purchase a VHI policy for foreign citizens. With such a document, a personwill be able to receive first aid in an institution with a high level of service. All of them are private, that is, paid, and not public. Accordingly, new high-tech equipment has been installed in such medical organizations, with the help of which it is possible to make the correct diagnosis and select the necessary treatment.

Services included in the insurance policy and price

VHI holder gets the opportunity to call a doctor at home and receive outpatient or inpatient treatment. In addition, a citizen has the right to seek help from a dentist if necessary. The same applies to highly specialized doctors, as well as medical transport assistance. If a foreign citizen wants to be examined and get diagnosed using unique and expensive devices, he will need to include this in the list of services.

Voluntary medical insurance for foreign citizens, the price of which is very “biting” is not a cheap pleasure. Of course, sometimes treatment is even more expensive than the owners of such policies, but, as a rule, most non-residents never use it. This fact explains the frequent refusals of VHI. However, some firms hire foreigners only if they have insurance. It should be noted that the cost of an ordinary policy for Russian citizens is one and a half to two times less than for guests of the country, and ranges from one and a half to five thousand rubles.

Required documents for registration

Before collecting documents, you should know that people over 75 years old (in some cases over 81 years old), as well as disabled people of groups 1 and 2, cancer patients and those with congenital diseases will be denied a policy. Voluntary he alth insurance for foreign citizens can be obtained provided that they are legally employed and have a residence permit.

Below is a list of documents that will be required from a non-resident:

• Passport.
• Migration card.
• Location data.
• Child's birth certificate in the event that he needs a policy.
• Application indicating the insurance company

Financial medical insurance for foreign citizens does not take much time if everything is in order with the papers. Most often, this issue is de alt with by the employer or an authorized person.

What you should pay attention to, or subtleties of design

When receiving a VHI policy for foreign citizens, you should be aware that it takes effect only 5-7 days after the submission of documents. If something happens to a person during this period of time, he will have to pay for the treatment at his own expense. Only after five to seven days is a so-called temporary policy issued to a foreign citizen. He will receive the main document one month after the application is submitted.

Voluntary medical insurance for foreign citizens is valid only during the period of the employment contract. If the contractended, the employer has the right to terminate the insurance contract.

VHI features and goals

Usually, the desire to insure your he alth in order to get free medical care is the motive for which everyone wants to buy a policy. However, this is not the only goal. Some non-residents come to Russia to work with their families, and the children need a policy. Without VHI for foreign citizens, some schools or kindergartens will not accept children. In addition, adults themselves will not be able to conclude an employment contract without this document.

Insurance makes it possible to receive high-quality medical care in paid clinics. If a person often visits doctors, or if he has a frequently ill child, then the conclusion of an agreement with an insurance company is simply mandatory. Patient service is carried out exactly on the day and hour that will be appointed by the doctor. Thus, a person feels confident about his own he alth outside his country.

Helpful tips

In the event that a foreign citizen has lost the policy, he should contact the employer or the personnel department. A duplicate will be issued there, and the person will be able to provide it if necessary. Voluntary he alth insurance for foreign citizens has been mandatory since 2015. That is why now even those persons who do not want to acquire it simply will not be able to officially get a job. Choicestands behind every hotel non-resident. Sometimes it becomes unprofitable to buy a policy. In this case, it is necessary to weigh the pros and cons and think about the future. Naturally, the Ambulance will provide first aid, but further treatment will require additional expenses that could be avoided by having insurance.