Voluntary medical insurance policy for foreign citizens staying on the territory of the Russian Federation

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

Russia has a program of compulsory medical insurance (CMI), which gives the right to receive free assistance to citizens of the country and non-residents. The policy is issued to all employed persons in enterprises. But this applies only to persons residing temporarily or permanently on the territory of the Russian Federation. In other cases, you will have to buy a voluntary medical insurance policy for foreign citizens (VHI). Read more about the conditions of this program later in the article.

A few words about CHI

The policy is issued to foreigners only if they are officially employed at domestic enterprises. The employer concludes an agreement with an insurance organization and the city fund for mandatory medical insurance. The validity of the policy is limited by the period of employmentcontracts. To obtain a document, a citizen should contact the personnel department and write an application. Unemployed foreigners with a residence permit can also receive a CHI policy, but through an insurance company (IC). Children under one year old, pregnant women receive medical care without a policy. This also applies to ambulances and ambulances. In case of loss of a document, a duplicate can be obtained either through the personnel department or in the UK. To be assigned to a specific clinic, you need to write an application to the local he alth department. A copy of the passport and policy is attached to the document. Non-working persons can use the services of paid medical care or take out a voluntary medical insurance policy for foreign citizens.

For whom the program is designed

VHI can be used by foreigners temporarily or permanently located on the territory of the Russian Federation. At the same time, according to the legislation, employed citizens are obliged to purchase a policy not only for themselves, but also for all family members. Without this document, it is impossible to issue an employment contract or a residence permit for qualified specialists.

Voluntary he alth insurance policy for foreigners

To issue a document, you need to contact the UK and choose one of two service programs:

• Specialized - the provision of highly specialized services.
• Generally directed, in which the treatment is carried out by a general practitioner.

Voluntary he alth insurance for foreigncitizens in Moscow is by no means all institutions. The choice is influenced by the place of residence and the location of the clinic.

It is worth noting right away that the document becomes valid only 5-7 days after registration. Therefore, if a person is admitted to the hospital without a policy, he will have to compensate for all costs on his own. It is not possible to issue a document retroactively. It is better for pregnant women to purchase a policy at the maximum price. It will cover not only diseases, injuries, dental, diagnostic procedures, but also possible complications during childbirth. Note that pregnancy is not a disease, so it is not included in the insurance. The birth itself on the territory of the Russian Federation is free.

Algorithm

VHI program applies to persons aged 18 to 60 years. The policy can be purchased for a period of 3 to 12 months. Migrants are not served in the district polyclinic. In case of illness, a person turns to the UK, which sends him to a medical facility with which a cooperation agreement has been concluded. If a person experiences acute pain, it is necessary to call an ambulance. This brigade serves foreigners free of charge. This is how voluntary he alth insurance works for foreign citizens. The law, which came into force in January 2015, obliges all persons arriving in the Russian Federation for the purpose of employment to purchase VHI policies.

How much to pay

The cost depends on the set of services. For registration, you need to provide an identity document. According to statistics, a voluntary medical insurance policy for foreign citizens costs 1.5-2 times more than for residents. This is due to the fact that most of the guests of the country do not know the Russian language. They have to turn to specialized institutions where the staff speaks a foreign language.

The basic package includes outpatient, inpatient medical services in emergency situations. The starting price is 1.3 thousand rubles. This is three times cheaper than previously announced by local authorities. Initially, it was planned that voluntary medical insurance for foreign citizens, pensioners will allow participants not only to receive a consultation at a polyclinic, but also to take a sick leave, do x-rays, ultrasound, ECG, and visit a dentist. But at this price, coverage is minimal.

Even at the maximum cost, it does not cover cancer, sexually transmitted diseases, tuberculosis, mental disorders, hepatitis, and type I and II diabetes. The most expensive packages allow you to get physiotherapy, sick leave, prescriptions for drugs, MRI, ECG, RVG, REG and other types of diagnostics.

Where to buy a policy

This product is offered in such insurance companies: "Max", "Reso", "VTB Insurance", "Rosgosstrakh" and others. Coverage - 100 thousand rubles. The basic package includes outpatient and inpatient care in emergency cases (exacerbationexisting diseases, the presence of acute pain). Assistance with childbirth, planned assistance and other services can be included in the voluntary medical insurance policy for foreign citizens for an additional fee. The cost of the package ranges from 1.3 to 5.5 thousand rubles and depends on the term and region.

Visitors can buy insurance at the Migration Center. This has already been done by 1.3 thousand foreign citizens. From the capital's budget in 2015-2017, 5.3 billion rubles will be allocated for medical care for unidentified patients. The costs will pay off after 1.6 million migrants purchase a VHI policy at an average price of 3.3 thousand rubles. Legally employed in the capital - 400 thousand people.

Statistics

Most often, migrant women seek help in the treatment of gynecological diseases, men - with gastrointestinal problems. Slightly fewer visits were recorded due to toothache and infectious diseases. Experts say that voluntary he alth insurance for foreigners helps reduce the risk of serious infections. Now visitors turn to polyclinics only for acute pain. Doctors provide emergency care. But they do not have the right to treat without a policy. After the introduction of legislative changes, migrants will turn to doctors more often. This will prevent the occurrence of serious diseases. Climate change, changing living conditions can exacerbate mental disorders, tuberculosis, syphilis. Now doctors can not only take picturesacute pain, but also to conduct an examination, to identify signs of serious diseases at an early stage.

Not all experts consider legislative changes justified. Some argue that there is no need to introduce mandatory VHI for foreigners. Migrants are accustomed to being served in paid medicine. They are treated either by familiar compatriot doctors or in hospitals, but only when absolutely necessary. Non-residents have to pay for a patent (4,000 rubles), a Russian language exam (4,500 rubles), and now also for a policy.

Conclusion

Voluntary medical insurance for foreign citizens "Reso" since 2015 is a prerequisite for employment and obtaining a residence permit in the Russian Federation. The cost of the policy varies depending on the region and the range of services. Basic package for 1.3 thousand rubles. allows you to receive outpatient and inpatient services. In emergency cases, ambulances and ambulances provide assistance to all those in need, but further treatment is paid.