Insurance for foreigners

Since 2016, according to the legislation of the Russian Federation, all foreign travelers who arrive in the territory of the federation are required to have a medical policy. There are two types of insurance - compulsory and optional (voluntary). The first means that the migrant receives it a priori, under certain conditions of stay. In the second case, he must take care of the policy himself, otherwise he will not be provided with medical assistance.

Which foreigner needs a policy

The policy, designated by the abbreviation VHI, is needed by any migrant who arrived in the Russian Federation by any means.

It can be issued both in the country from which the foreigner arrived, and in the Russian Federation, but not later than the first day of arrival.

This is a mandatory document regulating the stay of the following categories of foreigners in the country:

• Those on temporary stay - from any country;
• Non-labor migrants who are on temporary stay - from the EAEU countries;
• Family members of labor migrants from the EAEU who are on temporary stay.

In other words, all foreigners temporarily staying in Russia must have a VHI. The rest of the categories of foreigners are entitled to compulsory medical insurance (compulsory medical insurance policy), in accordance with the order of the Ministry of Health of the Russian Federation, approved from 01.01.2017.

By the way. The stay of a citizen of a foreign state within federal boundaries can be in three modes: temporary stay, temporary and permanent residence. Voluntary insurance applies only to the regime of stay: residents have the right to receive a compulsory policy.

Under the new laws, citizens of Armenia, Belarus, Kyrgyzstan and Kazakhstan can count on compulsory medical insurance, even if they are in the regime of temporary stay, provided they have a valid employment contract.

Difference between types of insurance

Registration of any policy involves the provision of services at the time of the occurrence of an insured event. Help situations include:

• Poisoning;
• Sudden illness;
• Accidents and so on.

As part of its action, a foreigner can:

• Call a doctor;
• Get help on an outpatient or inpatient basis.

According to the indications, an emergency surgery can be performed. When insuring compulsory medical insurance, the costs are covered by the state. With voluntary medical insurance, all medical services are carried out at the expense of the insurance company.

Important! All foreigners who do not fall into the category of those who are entitled to compulsory medical insurance, regardless of the purpose of arrival and stay in the Russian Federation, be it tourism, private or business visit, study, business, work, must be insured voluntarily.

Since the compulsory medical insurance is prepared for issuance within a month, in the process of preparation, the applicant is issued a temporary insurance certificate.

Will they provide assistance without insurance

Law is law and must be followed. But situations are different. What happens if a foreign person who does not have VHI needs medical assistance? Will it be provided, and to what extent?

Important! The absence of a policy cannot be a reason for refusing emergency assistance if a foreigner is in a state that threatens health or life.

Doctors will help those who are involved in an accident or injured in another emergency free of charge. Moreover, assistance will not only be provided on the spot, but also transported to the hospital.

Also, the doctor should provide free emergency assistance to the patient with a life-threatening exacerbation of a chronic disease. Continuation of treatment will be carried out on a paid basis.

Types of policies available to foreigners

Both types of insurance, which are available to different categories of foreign citizens, have their own characteristics.

What does compulsory medical insurance include?

The validity of the compulsory medical insurance policy on the territory of the federation has restrictions that are associated with the term of the contract, the duration of the temporary residence permit or residence permit.

They are obliged to provide assistance on a compulsory policy free of charge in all cases, except for the following:

• If the insured event occurred during the registration process, when the policy has not yet been received;
• When the insured foreigner falls ill less than five days after the document was issued;
• If he was injured while intoxicated or other drug addicted;
• If the injury is received during extreme training or sports activities;
• When intentional harm to health is caused.

The list of services for the insured voluntarily

First of all, this document gives the right to a foreigner to stay on the territory of the Russian Federation. It is necessary to conclude a contractual relationship with an insurer according to the new rules in the amount of at least 100,000 Russian rubles. Policies for a lower amount are equivalent to their absence and entail the imposition of penalties.

Each insurance institution provides its own list of services. There are several programs of this type of insurance, from which a foreigner can choose at his discretion:

1. General purpose categories, including mainly therapeutic services;
2. Treatment and prevention of a specific disease in the presence of a chronic disease;
3. Help for pregnant women;
4. Specialized insurance.

By the way. You need to draw up a document for the entire period of the intended stay of a foreigner in the Russian Federation. If the exact date is unknown - for 90 days.

The list of medical services includes mandatory items:

• Emergency service;
• Ambulance;
• Emergency hospitalization;
• Scheduled outpatient appointment;
• Home visits of specialists;
• Diagnostics;
• Research and analysis;
• Anesthesiologist assistance;
• Medical manipulations.

The list of services and medical institutions that must provide them are determined by the concluded agreement.

Additional services can be added:

• Dentistry https://rdoctor.ru/vrachi/stomatologi-moskvy;
• Dental prosthetics;
• Physiotherapy;
• Cosmetology;
• Aesthetic surgery;
• Routine treatment for critical illnesses such as hepatitis, tetanus, rabies.

Important! Treatment of serious illnesses that the insured person already has is most often impossible under the policy. We are talking only about diseases acquired or discovered after the conclusion of the contract.

Congenital and hereditary diseases, drug addiction and all types of addictions, dangerous quarantine viral lesions and radiation are not included in the insurance.

VHI issuance procedure

This can be done at any insurance agency in Russia, both with a personal visit and online. There is also the possibility of obtaining by an authorized person (by proxy).

By the way. In most cases, the payment is made by the insured person himself. In a number of situations, if a foreigner is a labor migrant, this can be done by the employer.

Personal receipt

A foreigner, when contacting an insurance company, provides:

• Passport, which is an entry document (foreign or civil for the EAEU countries);
• Certified translation of this document, if required by the insurance company;
• Birth certificate, if the insurance is for a child;
• Application for receipt;
• Migration card;
• Confirmation of location in Russia (hotel reservation, address of another place of residence);
• Payment of the selected insurance rate.

Usually the procedure takes no more than an hour, but it can take up to three days. It should be remembered that in accordance with the new edition of the Federal Law "On Insurance of Foreign Citizens" they are given 60 hours to obtain insurance.

By the way. When a foreigner applies to the Office for Migration to register his stay, he must already have a VHI.

The received document must include the item "provision of primary health care and specialized emergency care."The processing time must be equal to the period of stay or (for labor migrants) the validity of the labor patent.

Labor migrants from countries outside the EAEU are not allowed to conclude a contract without voluntary health insurance. In this case, the assistance contract must be concluded for a year or for the duration of the proposed work contract.

Insurance online

On the Internet, you can not only calculate the cost of the policy, but also apply for it on the website of any insurance company or bank.

• www.makc.ru
• www.ingos.ru
• www.banki.ru

Any foreign citizen aged from 18 to 65 years old (then pension insurance comes into force, and the child is insured by the parents).

Insurance amounts are offered in the range from 100,000 to 500,000 rubles. Terms - from 90 to 365 days.

The insured person must go to the website of the insurance company or bank, fill out an online application. Then the insurers will contact him according to the contact information he has left.

How the price is formed

The cost of voluntary health insurance depends on several factors.

• The age of the insured foreigner;
• Its gender;
• His state of health;
• Field of activity;
• The country from which he came;
• The list of services for which the contract is concluded;
• The list of medical institutions in which he wishes to receive assistance;
• Contract time.

Also, prices differ from company to company and from bank to bank.

The minimum cost - in 2021 in Russia from 150 rubles. up to 5 600 rubles... for the required amount in 100,000 rubles.

Average price varies from 3,000 to 7,000 rubles.

Maximum - unlimited.

Responsibility for absence

If a foreigner does not have VHI, what can happen? If he entered Russia without insurance and did not purchase it within 60 hours, the foreigner cannot register with the Main Directorate of the Russian Federation. He is given three days for the necessary registration. After that, in the process of submitting documents for migration registration, in the absence of a policy, a refusal of a foreign citizen from insurance is issued.

This is an administrative violation that entails the following types of punishment:

• Fine from 2,000 to 7,000 rubles;
• Expulsion from the country.

The measures are applied at the discretion of the migration authority.

Important! If there is medical insurance, but in the amount less than 100,000 rubles., this is considered a lack of insurance and entails the above administrative measures.

After expulsion from the territory of Russia due to an insurance contract not concluded in a timely manner or concluded with violations, entry into the country may be prohibited to a foreigner. Entry ban period - from 3 to 6 months.

Insurance for foreign citizens in Russia is compulsory. It can be issued both in your own country and on the territory of the Russian Federation. The main thing is that the order is not violated during registration, and the norms established by law are observed.