Insurance for obtaining a patent. Medical policy, insurance and services in russia for foreign citizens

The compulsory health insurance policy, or compulsory medical insurance, is not available to all foreign citizens. Eligibility determines their status. Social insurance aims to provide free medical care at the onset insured event at the expense of the insurance company and within the framework of the basic, territorial program. In this case, the choice of a medical institution or a doctor remains with the owner of the policy.

What is a compulsory medical insurance policy and is it obligatory for foreigners?

Compulsory health insurance policy is a document that ensures the right to receive free medical care throughout the territory. Russian Federation in medical organizations participating in the territorial compulsory medical insurance program. It also makes it possible to undergo medical examination (for adults - once every 3 years). It is issued to the working population, pensioners, pupils and students, preschoolers, the unemployed who are registered with the Employment Centers, and including foreigners. The absence of a document cannot be a refusal to provide emergency medical assistance. If it is available, a person does not have the right to refuse a medical facility, even if it is issued in another region. The owner of the compulsory health insurance policy has the right to:

• free medical care throughout the Russian Federation in the amount stipulated by the basic compulsory medical insurance program;
• independent choice of an insurance company or its replacement (once a year, no later than November 1, but there are exceptions), a medical institution and a doctor;
• examination, treatment in conditions that meet sanitary and hygienic requirements;
• compensation for damage if it is caused by a medical institution;
• familiarization with medical documentation, which contains data on the patient's health.

Owl t: in case of problems, additional questions, the owner of the policy can always contact his insurance company whose contacts are indicated on the policy. If there are complaints about her work, it is worth filing a complaint with the Territorial Compulsory Health Insurance Fund.

The compulsory medical insurance policy must also be issued for foreign citizens who have a temporary residence permit or residence permit, for refugees with the status, citizens from the EAEU countries who arrived at official work... Exceptions are highly qualified specialists, members of their families (according to the law "On legal status foreign citizens in the Russian Federation "). Other categories of foreigners, including residents of the CIS countries, Eurasian customs union must purchase a voluntary health insurance policy - VHI.

To obtain insurance, you need to contact one of the offices of the insurance company, presenting the appropriate document for identification with a note of permission to temporarily reside in the Russian Federation (in the case of permanent residence - a residence permit, SNILS, if available). It is worth remembering that the medical policy covers only the costs of those injuries that are possible in the future. The document is valid throughout the country in the amount of the basic program compulsory insurance, but in the region where it was issued - already within the framework of the territorial program, which is often much broader. It is important to remember that the compulsory medical insurance policy is issued only to a foreign citizen, his family members will have to separately buy VHI. It should also be borne in mind that according to Art. 327.2, 327.3 and 327.5 chapters 50.1 Labor Code RF, an employer can demand a voluntary health insurance policy from a foreign citizen (or must independently ensure the provision of paid medical services to him).

Penalty for lack of health insurance in Russia

If a foreigner has a temporary residence permit, residence permit, refugee or temporary asylum status, if he came from the EAEU countries to work, then he must apply for a compulsory medical insurance. If this is not done, you will have to spend your money and buy a voluntary insurance policy. You need to take out insurance on the first day of your stay in the country (regardless of status and length of stay).

From May 1, 2016, a system of fines for its absence was introduced - from 2 to 5 thousand rubles, and if the offense was committed in Moscow, St. Petersburg, Leningrad, Moscow regions - up to 7 thousand rubles, sometimes with expulsion from the country if the violation was repeated twice in 1 year (Article 18.8 of the Code of the Russian Federation on administrative offenses). The minimum amount of VHI insurance for foreigners is 100 thousand rubles. The period of its validity cannot be less than the term of the patent or work permit.

Is medical aid provided to foreigners without insurance?

If a foreign citizen does not have compulsory medical insurance, he can only count on the provision of emergency medical care for free (aggravation chronic diseases, sudden acute illnesses that are life-threatening). Other services, such as pregnancy management, vaccinations, and outpatient prophylactic treatment, are provided only on a paid basis or through VHI.

Important: it is worth remembering that a child is entitled to a compulsory medical insurance policy only after obtaining Russian citizenship. The presence of registration and the right to free medical care from parents does not provide them with a child. It is believed that according to compulsory medical insurance policy the mother, the child can be examined by a doctor until the receipt of the birth certificate, but not more than 3 months. But in practice, doctors rarely agree to admit such patients, as they are not paid for. In order to receive full-fledged assistance, vaccinations, and preferential prescriptions, you will have to buy VHI.

How to get a compulsory medical insurance policy for a foreign citizen?

Citizens of the EAEU countries from January 2017 can apply for a compulsory medical insurance policy free of charge, but only on condition formal employment, the same right is granted to those who have a temporary residence permit or residence permit. To obtain medical insurance, you must contact the insurance company by writing an application where personal data are indicated, SNILS, information from an identity document, an employment contract, if a foreign citizen is from the EAEU, contacts. Additionally, you need to provide papers (instead of some you can bring notarized copies): an identity document, SNILS, a tear-off part of the notification form of the arrival of a foreign citizen, indicating the time and place of stay.

Persons with RVP

Foreign citizens who have a temporary residence permit, regardless of whether they are employed or not, must issue a compulsory medical insurance policy (Article 10 Federal law from 29.11.2010 No. 326-FZ "On compulsory medical insurance in the Russian Federation"). This can be done in any health insurance company, providing the appropriate package of documents. The compulsory medical insurance policy will give you the opportunity to register in a polyclinic, antenatal clinic, to undergo treatment in a hospital for free.

Persons with a residence permit

To obtain medical insurance, you need to contact the insurance company, providing a passport, a document confirming the status. It is important to understand that foreigners who stay in Russia temporarily, on the basis of a visa or migration card, belong to a different category and are not subject to compulsory health insurance, but must purchase a voluntary health insurance policy for the entire period of their stay in the country. It is also important to know that the compulsory medical insurance policy for a person who has a residence permit is issued only to him, its effect on family members does not apply.

Persons with a residence permit and temporary residence permit with a compulsory medical insurance policy have the right to receive for free:

• ambulance;
• medical assistance within the framework of the territorial compulsory medical insurance program (the list of its types in different regions and medical institutions may differ, but it always includes medical and sanitary, inpatient, specialized medical care).

What documents do you need to collect?

To obtain a compulsory medical insurance policy, you need to provide a minimum of documents. The main goal is to confirm your status, which allows you to register for free health insurance... Minimum package of papers:

1. Passport with a note of residence and registration at the place of residence (birth certificate of the child, if the document is issued for him).
2. SNILS (in some cases).
3. If necessary - documents confirming the status of a foreign citizen (refugee certificate, certificate of consideration of an application for recognition as a refugee, certificate of temporary asylum, paper established form, identification of a stateless person, etc.).
4. Foreign citizens from the EAEU provide an employment contract, a detachable part of the form on the arrival of a foreign citizen.

Important: it must be remembered that foreigners from the EAEU countries are entitled to a compulsory medical insurance policy, which guarantees free medical care within the framework of the territorial compulsory health insurance program, subject to the provision of an employment contract, not a civil law contract.

The compulsory medical insurance policy begins to operate immediately after issuance. If you wish, you can register with it in a private clinic. The applicant is given a temporary certificate in his hands, which is valid until the receipt of the finished policy (but not more than 30 days). It gives the right to receive medical care free of charge and in full. The timing of the production of the compulsory medical insurance policy depends on the policy of a particular insurance company. As a rule, it is 10-30 days. You can find out about the readiness of medical insurance on the websites of territorial funds by contacting the point of issue of the compulsory medical insurance policy, where the applicant received a temporary certificate, by calling the phone number indicated on it.

Where can foreign citizens get a compulsory medical insurance policy?

The compulsory medical insurance policy can be issued free of charge in the insurance medical organization in just a few minutes. It is chosen at its own discretion in the region where the foreigner plans to live. You can get detailed advice on choosing a health insurance policy, program features, by contacting the Territorial Compulsory Health Insurance Fund in the selected region.

The cost of the compulsory medical insurance policy and the validity period

The CHI guarantees free medical care in institutions that participate in the compulsory health insurance program. From January 1, 2017 for citizens from Eurasian countries economic union(Belarus, Kazakhstan, Russia, Armenia, Kyrgyzstan) such a policy is issued free of charge. For foreigners who have a temporary residence permit, a residence permit and officially work, stateless persons, refugees, the MHI is valid until the end of the calendar year, but no longer than a residence permit.

VHI costs 4 thousand rubles on average. for citizens from 18 to 60 years old, and if the age exceeds this value - about 6 thousand rubles. It is valid for 3, 6, 9 or 12 months. To purchase a policy for children, you will need about 5 thousand rubles. But the amounts largely depend on the pricing policy of a particular insurance company and the chosen program.

Foreign citizens, depending on their status, can receive compulsory medical insurance (MHI) or voluntary health insurance (VHI). Foreigners who have come from the EAEU countries under an employment contract with a temporary residence permit, residence permit, and refugee status have the right and must apply for a policy of the first type. A simple procedure and a few days of waiting will provide an opportunity to receive free medical care throughout the country.

Everyone has the right to count on timely and complete medical care. Russian citizens participating in the CHI system should receive medical assistance free of charge. Life experience shows that even in this case full cost free aid may not be affordable for “mere mortals”. A way out of a difficult situation can be the conclusion of an agreement on voluntary health insurance. And if for citizens of the Russian Federation this issue is in the field of their personal control, then for foreigners there are no options left: a VMS policy for foreign citizens is one of the reasons for entering our country.

The laws

Until 2011, the general law No. 1499-1 was in force, which regulated both mandatory medical insurance and the provisions of agreements on voluntary participation in this system. Since this document was replaced by the new Federal Law 326 (on compulsory medical insurance), only general legislation remained for voluntary insurance.

First of all, the gap on the availability of a VHI policy for foreign citizens was filled in the Labor Code of the Russian Federation. Now it is clearly stated in it that the employer has no right to conclude without this document. There is also a requirement about what insurance risks must be covered by the policy: the need for general health care and emergency care.

Basic requirements for concluded service contracts personal insurance can be found in the Civil Code of the Russian Federation and Law 4015-1, o insurance business in Russia. Chapter 48 of the Civil Code says that this contract can be concluded on the basis of the internal rules of the insurance company, but subject to certain mandatory points:

• Written form;
• Indication of the amount of compensation and the amount of contributions;
• List of insured events;
• Fixing the validity period.

A little more detail on the topic insurance policy VHI for foreign citizens is described in law 4015-1. In addition to the goals and parties to the contract, tariffs and insured events, here you can find an explanation of who and how supervises the insurance industry and how the financial side of the issue is ensured.

In 2016, another document came into force, which clarified the minimum requirements for this type of insurance, such as a VMI policy for foreign citizens intending to find a job in Russia. The Central Bank of Russia decided to intervene and issued Ordinance 3793-U, according to which minimum amount insurance for a labor migrant must exceed the threshold of 100 thousand rubles, and the term of the contract should not last less than the term of the patent for work in the Russian Federation. Now you also need to indicate the territory of the policy. He also demanded that insurers provide coverage for the costs of medicines and materials. In addition, all of this must be printed on a watermarked letterhead.

Of the special law on voluntary health insurance for this moment in Russia it is not, therefore, the provisions of such agreements are governed by the Civil Code of the Russian Federation, the Labor Code of the Russian Federation, law 4015-1 and the instructions of the Central Bank.

The meaning of purchasing a VHI policy

The question of whether a VHI policy is compulsory for foreign citizens, and why it is necessary to issue it, will be idle only as long as the help of doctors is not needed in reality. Few people plan or seriously prepare to get sick, especially if they are outside their home country at this time. This applies equally to those who come to Russia to work. All are firmly convinced that the very intention to work will protect them from all ailments. To protect such people from the consequences of a mistaken opinion, tightening in the issue of health insurance is designed. The presence of a VHI policy in a foreigner guarantees a person that he will not have to pay at least for calling an ambulance or primary medical care.

Considering how much such services can cost for foreign citizens without issuing a VHI policy, the fact of its necessity will hardly be disputed. Without this document, the foreigner will be obliged to pay not only for medicines and dressing materials, the work of all involved personnel, as well as the cost of operating the ward and the communal benefits spent on it.

For refusal to buy a VHI policy for foreign citizens, liability is provided in the form of a fine, and in some cases, administrative expulsion from the country and a ban on subsequent entry. This tough position is due to the state's unwillingness to bear the financial burden of responsibility for unforeseen deterioration in health among residents of other countries in Russia. After all, the doctor has no right to leave a person without help, sometimes very expensive, and not everyone has the opportunity to compensate for the costs.

In addition, depending on how much the VHI policy for foreign citizens costs, it can cover the costs of additional or periodic maintenance:

• In the selected network of clinics;
• At home, with a personal doctor;
• At the dentist, physiotherapist, masseur;
• Diagnostic;
• For restoration in sanatorium conditions.

This is far from an exhaustive list of possible advantages of concluding an agreement on voluntary health insurance. It is clear that the inclusion of each additional line in the list of insured events in the VHI policy for foreign citizens proportionally increases its price.

Labor migrants, whose VHI policies cover health care costs in the amount of less than 100 thousand, must apply for new ones.

2017 changes

V this year central bank increased the requirements for companies that help to issue a VHI policy for foreign citizens at an attractive price. All insurance companies are ordered to double their capital to ensure payments under contracts and the resulting insurance risks. Moreover, they want to introduce mandatory tariffication of services in order to balance their cost and transparency in pricing.

Although these changes concern the insurers themselves, most likely already in 2019 this will affect the level of the cost of the VHI policy for foreign citizens. This is unlikely to lead to cost savings, but the envisaged increased control over the quality of service should serve as some consolation for the extra money paid.

Absence penalty

In general practice, verification of the fulfillment of the obligation to issue a VHI policy for foreign citizens was always carried out only for those who came to Russia to work. A person who comes to our country from a “visa” state without a policy simply cannot get a visa, so the control here is quite simple.

The situation is somewhat different with those who have entered or are going to cross the border with the passport of the country with which the visa-free regime has been agreed. Law 115 FZ in its article 27 gives the border guard the right not to let a foreigner into Russia without presenting a VHI policy. Moreover, this paragraph does not say anywhere that this applies only to labor migrants... Therefore, tourists should also have a VHI policy for themselves and for the children of foreign citizens. Therefore, even if the purpose of the trip is far from work, you still need to find out where to issue a VHI policy for foreign citizens traveling to the Russian Federation.

Even if the border guard allowed a foreign citizen to pass without an insurance document, it still needs to be purchased upon arrival. Firstly, without it, they will not be registered with the migration register and will not be issued a labor patent. Secondly, if this is not done in the first three days, then the foreigner faces a fine or a more severe administrative punishment, Art. 18.8 Administrative Code:

• The first violation is a fine from 2 to 5 thousand, expulsion is possible, not necessary;
• If the VHI policy for foreign citizens was recklessly not bought for work in Moscow, then the fine even for the first violation can already amount to 7 thousand, also with the right of expulsion;
• In case of a repeated violation, the guest from abroad, regardless of the purpose of his arrival or the length of his stay in the country, will be imposed a financial sanction in the same amount and sent out of the Russian Federation.

List of documents to receive

Voluntary health insurance is, by and large, no different from other risk insurance agreements. That is why the policyholder has the right to ask the foreigner for those documents that will allow him to establish all legally significant details. Basically, the offices where you can get a VHI policy for foreign citizens draw up an agreement on the basis of a civil passport and a migration card. This is enough to issue a policy for the provision of emergency and sanitary care.

If the client's wishes go beyond these narrow limits, and the possibility of including additional services or insurance for a child of a foreign citizen in the VHI policy is being considered, then not only the price of the product will change significantly, but also the list of required documents. In particular, a minor may be required to have his personal document and a certificate of his current state of health.

Establishing the current state of health and diagnostics available at the time of signing insurance contract diseases may also require treatment and prevention of some chronic diseases when included in the standard VHI policy. For pregnant women entering the territory of the Russian Federation, there is also an option with the inclusion of obstetric services in the list of insured events. But to conclude a contract with them, you will need a completed exchange card, preferably the original.

If the document on VHI includes not only emergency care and drug provision, then its entry into force may be delayed until the necessary conclusions about the diagnosis and medical prognosis are received.

It is clear that no matter where they are going to buy a VHI policy for foreign citizens, it will not work to do it after the onset of an illness or the onset of an accident and demand insurance compensation.

Actual price

Before the tightening of registration rules, it was possible to buy a VHI policy for foreign citizens quite cheaply, the amount barely exceeded 500 rubles. Today when insurance compensation increased to 100 thousand, and the validity period was extended until the end of the patent or visit, the cost of the VHI policy for foreign citizens increased several times. Now, to get your hands on a policy for a labor migrant, you will have to fork out for at least 1,500 rubles, and on average 3-4 thousand.

If a foreigner has taken with him a family with a minor child, then the cost of insurance for him will be much more expensive, and the amount of coverage for treatment costs will remain at the same level (just over 100 thousand). Pregnant women will have to pay quite a lot for their policy. The price in this case will be inversely proportional to the gestation period, that is, the closer the birth, the cheaper the insurance. Depending on the term, the expectant mother will pay from 30 to 40 thousand, on average.

The costs of purchasing the policies are borne by the employees. The employer can independently cover the costs of their renewal, but at their own expense.

Obligation to pay

The obligation to purchase a policy is imposed on a foreigner arriving in Russia, no matter what goal he pursues in our country. Moreover, if our resorts seemed tempting for a whole family with children, then every family member needs to insure against bad accidents with a potential harmful effect on their health. Since the minimum criteria for contracts on voluntary health insurance, set out in Directions 3793-U, apply only to visitors intending to stay to work, tourists may not pay attention to this. Considering this point, you can save on the cost of the policy, especially if the period of stay is rather short (one to two weeks).

The labor migrant will be forced to purchase a policy, focusing on the requirements of the Central Bank. Since neither labor nor general legislation obliges the employer to provide employees with any type of insurance other than compulsory insurance (OMS), the payment for VHI is made entirely at the expense of the employee.

Recently, more and more often you can meet business owners and managers who are ready to shoulder the financial burden and buy a VHI policy for foreign citizens. To a greater extent, this applies to videoconferencing (invited highly qualified employees). This readiness is dictated not only by the desire to attract a foreign professional with additional social guarantees. The fact is that for any videoconferencing you need to obtain permission to attract and apply for a visa. The latter, as you know, cannot be obtained without a policy, and the employer in this way simply reduces the time required for processing documents.

Even if the decision to pay for health insurance applies to all migrants employed by the company, management must be careful to include these costs in calculating income taxes. It would be more correct to first write this labor "bonus" into the collective agreement, and then argue with the inspectors of the Federal Tax Service. But even then, the date on which the policy was issued and the date on which they were hired must be the same.

Form and sample

In the same Instructions of the Central Bank there is a requirement that the policy data is printed on a form with watermarks and a hologram. In 2016, insurers were given about 4 months to switch to these forms, so in 2019 it is no longer possible to use some less protected form of VHI policy for foreign citizens. There is also a list of required details for this document:

• Information of the policyholder, if the policy is paid by the employer;
• Insured person data (information from the passport: full name, gender, address, date of birth, citizenship; contacts);
• Information about the insurer (insurance company);
• List of territories where the policy will be eligible for use.

If a VHI agreement is drawn up for work in a remote region of Russia, and employment is planned in Moscow or St. The function of checking policies by series and number is available on the official website of the insurance company that issued it.

On our website you can find an example of an extended policy ().

Check for forgery of policies

The need to control the authenticity of the policies provided for employment arose not only among employers, but also among officials responsible for issuing work permits and patents. The relatively high costs of voluntary health insurance, according to some ore migrants, pushes them to fake policy data. Especially the section on its validity period. Gullibility in this matter can turn into a fine for the employer.

You can check the data in the presented policy through the websites of the insurance companies through which it was issued. Information with the name of the official website of the insurer must be in mandatory be included in the details of the parties listed in the policy. For example, a VMI policy for foreign citizens was purchased at the Ingosstrakh branch in Yekaterinburg. You can check his data from anywhere in Russia by simply visiting the company's website and filling in the number and series of the policy in the appropriate tab.

Market for the sale of policies

There are so many companies providing insurance services on the Russian insurers' market that it is difficult for a person without experience to immediately find their bearings, whom should they still opt for? For greater confidence in the insurer, it is better to buy a VHI policy for foreign citizens in branches of such pillars as Rosgosstrakh, VTB Insurance or Ingostrakh:

Many insurers, in order to attract clients or justify the increased cost, even include a line with the wording "repatriation of the remains" in the minimum set of services. No matter how cynical it may sound to many people, the availability of such a service should not offend the feelings of migrants. After all, the insurance company is simply listing potential risks that may not come. However, they will make life much easier if the worst thing happened.

Although the tradition of hoping "at random" is called Russian, unfortunately many tourists and labor migrants suffer from it. After all, before the introduction compulsory acquisition VHI policy for foreigners, they preferred not to spend money on it. In this case, the supervisory function of the state helps a person to preserve and maintain his health, even without his desire.

Lawyer of the collegium of legal protection. He specializes in handling cases related to labor disputes. Defense in court, preparation of claims and others normative documents to the regulatory authorities.

The compulsory medical insurance policy is a special document designed to guarantee the receipt of timely medical care throughout the entire territory of the Russian Federation without exception.

Foreigners coming to Russia for a temporary or permanent residence, you need to attend to the design of an important document. Otherwise, without a foreign citizen having a compulsory medical insurance policy, medical assistance will be provided to him only on a commercial basis.

Is it mandatory for migrants to have health insurance?

In Russia, there is a compulsory insurance program that applies to all citizens of the Russian Federation without exception. According to the law, one person is entitled to only one medical policy.

OMS policy can be obtained by:

• all citizens of the Russian Federation;
• foreigners with permanent residence in Russia;
• people who do not have confirmed citizenship, but permanently reside in Russia;
• refugees;
• foreigners temporarily residing in the territory of the Russian Federation according to official documents.

For the first three above categories, a policy is provided for an unlimited period of validity. For refugees and temporarily residing citizens without registration, the policy is issued for a limited period.

The basic compulsory medical insurance program allows you to receive a standard set of medical care free of charge.

Foreign citizens need to know that without this document it is possible to receive only emergency medical care in extreme cases when there is a threat to life.

In this case, refusal of medical assistance is not allowed. In addition, on the territory of Russia, foreign citizens without a policy are obliged to give birth and provide medical assistance to newborns. It is also possible to observe a child up to one year old. All required procedures are included. At the same time, such a development of events should not be considered as the norm. This is a critical case, of which there are only a few of the total number of calls.

With temporary registration

A foreign citizen cannot, of his own free will, receive a medical policy with temporary registration. This opportunity is provided only for residents of the Russian Federation. At the same time, for officially employed foreigners, such an opportunity is also spelled out in the law.

In this case, the employer must take care of the foreigner.

This is his direct responsibility, according to the law. This applies only to persons who are officially arranged. In this case, the employer must have an agreement with one of the insurance organizations, which, in the event of health problems with a foreign citizen, takes on the costs within the framework of the basic compulsory medical insurance policy. In this case, the validity of the policy is equivalent to the document that the citizens of Russia have.

In order to issue a policy to working foreigners, they need several documents:

• the insurance application itself;
• passport or other legal identification document;
• document on pension insurance(not available in some countries).

Please note that the compulsory medical insurance policy will expire at the moment when the foreigner ends the employment contract with the employer. Thereafter, basic medical care is not provided. It can be extended only if a person is in a critical situation or is admitted to the hospital with a valid compulsory medical insurance policy. It all depends on the policy of the medical institution.

If there is a job without proper paperwork, a foreign citizen does not have the right to demand a compulsory medical insurance policy. In this case, for the state, he is not only unemployed, but also a lawbreaker.

With RVP

Foreigners who have a temporary residence permit already receive more rights... A document on a temporary residence permit actually gives a foreign citizen the same rights as a Russian. The policy is issued after free of charge. Its term is identical to the term of registration.

To obtain a policy, you must choose any medical insurance organization. It is recommended to study insurance companies, since now many have very attractive conditions for new clients. The insurance itself will be free, but companies are developing lucrative commercial offers for their clients.

After choosing an organization, you must submit an official application and attach the required package of documents:

• the passport;
• notarized translation of a passport or other identity document;
• temporary residence permit;
• pension insurance certificate(if available).

On the day of application, the insurance company immediately issues a temporary policy, which is identical to the present one. Already on the same day, it is theoretically possible to seek medical help.

No difference in temporary and permanent policy except appearance no.

Within a week (possibly a faster period) the company will issue a permanent policy. Next, you will need to exchange a temporary document for a permanent one. All procedures are performed free of charge.

Accordingly, when an insured event occurs, a foreign citizen will be provided with medical assistance at the place of temporary residence or actual location. It will be enough to present the policy. Insurance premiums for working citizens are made thanks to deductions from employers. Local authorities pay for non-working citizens.

How to get a compulsory medical insurance policy for a foreign citizen?

There is one loophole in the legislation that allows foreign citizens to obtain a policy. To do this, you need to officially have refugee status.

Such citizens, according to the law of the country, receive a special certificate - a refugee certificate. Having such a document, a citizen has the right to apply to any insurance company for a health insurance policy.

In this case, the refugee receives all the free privileges on an equal basis with the citizen of the country. As a rule, refugee status is granted for three years. That is, the validity period of the policy is similar to this date. The problem is that the procedure for recognizing a person as a refugee takes several months. During this time, a person may need medical attention more than once.

In such a situation, it makes sense to issue a policy, regardless of the final decision on refugee status.... The law allows you to obtain a policy by submitting only an application for refugee status. While the special authorities are considering the application, it will be possible to seek help from doctors for free, according to the policy.

If the decision on the policy is negative, then the petition already loses its legitimate force. In this case, it will be possible to obtain medical care only on a commercial basis.

For EAEU citizens

For some countries in Russia there are exceptions to the issue of receiving free medical care. Foreigners who arrived in Russia from the countries of the Eurasian Economic Union have the right to independently draw up a policy of compulsory health insurance. This union includes four states: Kyrgyzstan, Kazakhstan, Armenia and Belarus.

According to the updated law of 2019, foreigners working officially and under contracts will have the opportunity to issue policies on favorable terms. Their social security is provided under the same conditions as in the state of employment. The rules are the same for all citizens within this union.

To obtain a policy, a working citizen from the above states must apply with an application to any insurance company of his choice. You only need to provide a passport, personal insurance number, employment contract and notification of arrival.

The rest of the documents may not be submitted. That is, it is not necessary to receive free medical care.

Another obvious plus is that help is provided not only to the workers themselves, but also to close members of their families, regardless of whether they have a job.

Medical assistance without a policy

Many foreign citizens do not take out a health insurance policy due to a misunderstanding of the law. Indeed, on the territory of Russia, in emergency cases, medical assistance should be provided to all people, even without a policy.

Another question is that it is impossible to get standard treatment or an appointment at a polyclinic on a budgetary basis. In addition, there is an acute issue with regard to pregnant women. Observation, analyzes and other procedures for young mothers are strictly on a paid basis. An exception is made only for the delivery itself and acute pain. At the same time, all mothers give birth without a policy - in the infectious diseases department, even despite a completely healthy body and the presence of confirmatory tests.

Please note that the actual lack of a policy is not an obstacle to calling an ambulance.

The patient should be provided with all the necessary assistance, even without documents. On the other hand, it is important to understand that the law is one thing, and the harsh reality often dictates its own rules. Naturally, the attitude towards people without a policy will be much worse in most cases. That is why even Russian citizens are advised to take their policy on an equal basis with their passport on any trip, in order to avoid controversial situations.

Regional features

Until recently, there was often a situation when a patient with a policy from another region was not admitted to a medical institution. Let's say a person went from Moscow to Nizhny Novgorod and was refused. This is a direct violation of the law. This is usually found in unscrupulous public health facilities. Such illegal things are often explained to foreigners who do not know their rights.

In fact, the policy guarantees free help within the framework of insurance in all regions of the Russian Federation... There is no geographic limitation. In any medical institution, the patient must be registered and provided with all the necessary support. Another issue is that the rules may not be followed. Especially often in regions far from the center. In this case, you need to protect your rights. Medical institutions are well aware of the rights and obligations, so no one dares to violate the law in cases with those foreign citizens who know their rights, according to the law of the Russian Federation.

Obtaining a compulsory medical insurance policy is a necessary task for a foreign citizen. This is a kind of insurance that guarantees a person a safe stay in the Russian Federation, regardless of financial solvency. Even wealthy foreigners who come for a long time should have it. A number of categories are eligible for fast registration policy. In most cases, the procedure itself is not complicated, and a temporary document allows you to go to the hospital the very next day. It is important to remember that in critical situations, the lack of a policy is not an obstacle to calling an ambulance. Emergency assistance in situations where a person's life is at risk is provided free of charge.

On January 1, 2015, the law on compulsory health insurance in the Russian Federation of foreign citizens and their children came into force. The new rules require foreign citizens to obtain a voluntary health insurance policy to apply for a patent for work. Duration of honey. VHI policy should not be less than the period of validity of the patent.

Citizens of the CIS, Belarus, Armenia and Kazakhstan are also required to buy policies.

It is difficult for foreigners to understand the specifics of insurance and many questions arise, which we will try to answer:

The compulsory medical insurance policy is not for sale, it can be obtained free of charge by citizens of the Russian Federation, people with a temporary residence permit or residence permit in Russia and refugees with a status. If you do not have a status, then you must purchase a VHI policy - voluntary health insurance for foreigners.

Come to us at m. Belorusskaya, st. Lesnaya 43, office 422
We work daily, Monday to Friday from 9:00 to 21:00, Saturday and Sunday from 10:00 to 19:00, no lunch break.

You need to bring your passport, details of the place of registration and number mobile phone and in 5 minutes you will receive a medical policy.

The price of the VHI policy is the same for all foreign citizens, 3,600 per year from 18 to 75 years old. The cost of VHI for people over 75 years old depends on age and costs from 6,000 rubles per year. It can be purchased for 3, 6, 9 and 12 months. The cost of the policy for children is from 5000 rubles per year.

We have VHI policies for you, you need to bring your passport, data on the place of registration and mobile phone number and in 5 minutes you will receive a medical policy.

Yes, all foreign citizens, including citizens of the CIS and the single customs union, must must have on the territory of the Russian Federation health insurance otherwise they will pay for all the treatment on their own and they will not be able to provide free medical care.

Inexpensive VHI policy (for 5,000, 8,000, 12,000 or 16,800 rubles per year) allows you to receive medical care due to illness, call an ambulance and hospitalize a child.
You can only get attached to the polyclinic on the basis of the compulsory medical insurance policy. But it is enough for the school to bring a certificate from any clinic that you have passed a medical examination, medical examination, and were vaccinated at any clinic of your choice. This is not included in budget insurance.

Voluntary Medical Insurance policies can be purchased at a profit at the same time with certificate 026 from 17,000 to 22,000, depending on the age of the child. VHI policy with medical card 026 is done in 5-7 minutes in our office. Quickly and conveniently issue a child's medical card in a private clinic, without queues, in 1-2 days.

Any VHI policy begins to operate in 1-10 days after registration and covers only future injuries and illnesses. Policies nowhere to be done backdating- it's illegal. Therefore, without a voluntary health insurance policy, you will have to pay for the treatment yourself. But in any case, contact us, we will help you in any situation.

Yes! our policies are printed on special forms with a barcode and a hologram. Meet all new requirements The central bank and the FMS.

The VHI policy is valid for Moscow and the Moscow region, and throughout Russia, including Crimea

Any of our medical policies for foreign citizens and labor migrants are suitable for the Federal Migration Service and for obtaining a patent, ensures the provision of primary health care and specialized medical care in an emergency form.

Observing pregnancy by a doctor in a private clinic costs 45,000 rubles for the entire pregnancy (1-2-3 trimesters), 39,000 rubles for 2 and 3 trimesters and 22,500 for only the third trimester. The policy includes diagnostics for all doctors, a personal gynecologist, tests, screenings, ultrasound and maintaining an exchange card
Additionally, we attach a letter guaranteeing free childbirth.
Insurance of an infant against emergencies - 27,000 rubles, attachment to a private clinic and a personal doctor, with professional examinations, immunizations, without hospitalization - 49,000 rubles

There are no specialized clinics for foreigners, in case of illness you call the control panel of the insurance company and they will send you to the nearest clinic or hospital.

Maybe, but you shouldn't. The policy is issued and paid legal entity or by a foreigner in person.

The Migration Center in Sakharovo is obliged to accept any VHI policies!