Obtaining and issuing a compulsory medical insurance policy for foreign citizens

Where do they get it?

Such a policy is obtained through the post office in major cities of Russia.
You can insure on a paid basis not only the life and health of a person, but also property or travel abroad.

By purchasing insurance once, you will be able to receive medical care for injuries, burns, frostbite, receive compensation during surgical operations and for the purchase of medicines.

In this case, the cost of services will exceed your expenses for purchasing insurance.

Coverage of a basic policy at the post office for three months is approximately 100 thousand rubles, the policy itself will cost about 600 rubles . To register, the post office operator is provided only with a migration card.

A foreign citizen, at his discretion, can contact any insurance company; for this he will need some documents.

Price

The compulsory health insurance policy for citizens of the Russian Federation, regardless of their financial condition and social status, is provided completely free of charge.

To obtain a policy, you just need to collect a package of required documents and submit them to a special registration point.

If you purchase a policy directly from the insurance company itself, the price of this service will depend on a large number of different factors.

Minimum policy value in:

Requirements for migrants

There are three main reasons why it is advisable for migrants to purchase a VHI policy immediately upon arrival in Russia.
The first reason is to save money.

If something happens to a person, he will have to spend money on calling a doctor and medical care.

Whereas if you have a policy, the insurance company will do this.

The second reason is that without VHI, a foreign citizen is considered a violator of the law.

The third reason is that almost all institutions where a foreign citizen will apply, for work or other purposes, will ask to provide them with a health insurance policy along with other documents.

These government agencies include:

1. Main Department of Internal Affairs of the Ministry of Internal Affairs (FMS) - this is where migrants first turn to obtain a work patent, WNR (work permit) or residence permit (residence permit).
2. The employer, regardless of whether it is a private company or a government agency.
3. Higher education institution - upon admission of foreign students.
4. School or kindergarten – when a foreigner’s child is registered.
5. And other organizations.

If you intend to stay in Russia legally, registration of voluntary health insurance for a foreign citizen will be a prerequisite.

What documents should I take for registration?

To apply for VHI you must have:

1. Passport or equivalent document. When preparing documentation in a foreign language, you will need a notarized translation.
2. Migration card.
3. Written statement.
4. If you have children, their documents.
5. Documentation indicating place of residence and registration, additional contacts.

After paying the required amount and providing completed forms with documentation, a citizen of a foreign country receives a policy.

Who can count on receiving a compulsory medical insurance policy?

Citizens of other states can count on compulsory medical care under the following conditions:

• availability of residence permit;
• refugee status;
• high-level specialist qualifications;
• citizenship of any state included in the economic bloc of the EAEU.

Foreigners with a temporary residence permit are allowed to take out a temporary policy, valid for only a year. However, during this time the owner is allowed to apply for a residence permit (RP), which is equivalent to having Russian citizenship. Therefore, foreigners with a residence permit have the right to take out a permanent policy.

Foreign citizens applying for or having official refugee status can receive OMC in two cases: if they have a valid refugee status certificate or apply to the competent authorities to obtain such status. Potential or current refugees are allowed to take out a policy by providing one of the above documents.

Qualified specialists come to Russia under a separate invitation from specific legal entities. Thanks to this, highly qualified foreigners are relieved of the need to obtain a work permit and residence permit, as a result of which they can freely apply for compulsory medical insurance (this is usually done by the employing company).

Special conditions for the provision of compulsory medical insurance are available to immigrants from the EAEU countries officially working in Russia. In addition to simplified employment conditions, such citizens automatically receive insurance and can count on free medical care in Russian hospitals in full.

How to do it right

After submitting the listed documents, a foreign citizen arriving in Russia enters into an agreement with the insurance company.
After this, he fills out an application for the provision of voluntary health insurance and deposits the required amount in any convenient way.

If a migrant has a good command of Internet resources, then he can quickly apply for VHI insurance online.

The cost of a VHI policy for a foreign citizen is cheaper than for citizens of the Russian Federation. This is due to the range of services provided in the program. Foreigners are offered a very truncated version. Read more about VHI in Russia.

It is important to remember that if a arriving migrant does not have a medical insurance policy, then this is punishable by law and penalties will be imposed.

The amount of the fine was determined back in 2021 and has not changed to this day.

A fine can be issued in two cases:

1. In the absence of an insurance policy.
2. Non-compliance of the insurance amount with the minimum established norm of 100 thousand rubles under the VHI program.

The fine can range from 2-7 thousand rubles depending on the region of residence of the migrant.

Do you need a policy if you have a temporary residence permit?

There are no legislative differences for citizens who came for the purpose of employment or to visit relatives. Everyone needs to take out additional health insurance from the first day of their stay.

It is known that this procedure causes certain difficulties for foreign citizens with a temporary residence permit. Especially for those who arrived for a short time. But the law is the law. And it must be respected.

How to register immediately upon arrival

To get insurance, a migrant must contact any insurance company immediately after arrival.
There shouldn’t be any problems finding it, since there are plenty of similar companies.

Or go to the post office and get a VHI policy there.

The largest insurance companies in Russia are:

• Rosgosstrakh;
• Rosno;
• Reso.

What does health insurance provide?

If a foreign citizen has a VHI policy, he has the right to medical care from qualified personnel.
Every migrant must take out medical insurance, otherwise the absence of it will be a gross violation of the law.

After arriving in the Russian Federation, a foreigner must apply for a VHI policy within three days.

Such insurance on a voluntary basis makes it possible to receive medical care at the proper level. In addition, the cost of the services provided will be much lower than for people without voluntary health insurance.

But not only a foreign worker receives such a document; if he brought his family to Russia, then an insurance policy must be issued for them too. Familiarize yourself with the rules for insuring migrant children.

The legislative framework

Any action against migrants has its own legislative basis.
This is what the following laws say about obtaining health insurance:

1. Federal Law “On the procedure for leaving the Russian Federation and entering the Russian Federation” dated August 15, 1996 No. 114-FZ.
2. Federal Law “On the Legal Status of Foreign Citizens in the Russian Federation” dated July 25, 2002 No. 115-FZ.
3. Federal Law “On Compulsory Health Insurance in the Russian Federation” dated November 29, 2010 No. 326-FZ.

According to current legislation, all arriving foreigners must begin taking out voluntary health insurance from the first day.

In this case, the purpose of the visit does not matter. Also, foreign students are required to take out a VHI policy.

Under the voluntary health insurance program, all medical costs will be charged to the insurer.

Next, a person has the right to register for compulsory medical insurance (compulsory health insurance).

Documents for this purpose are submitted by the foreign citizen at his place of residence.

Until a permanent policy is issued, a temporary one is issued.

When a person obtains a permanent policy, the temporary insurance is withdrawn.

Having received VHI or compulsory medical insurance, a migrant is endowed with the following rights:

1. The right to see doctors.
2. Call an ambulance.
3. Placement in a hospital.
4. If necessary, surgical intervention is performed.

Receipt procedure

The applicant's sequence of actions should be as follows:

1. Contact any local insurance company.
2. Submitting an application for the form, attaching the appropriate package of documents.
3. Obtaining a temporary certificate certifying the availability of an issued OMC policy, valid for 30 days.
4. Upon expiration of the temporary policy, adoption of a permanent insurance policy.

Required documents

A set of papers for official refugees to the Russian Federation or those applying for recognition of this status in accordance with the Federal Law “On Refugees”:

• a certificate confirming the legal status of a person recognized as a refugee (or a certificate of filing an application for the assignment of such status);
• a duplicate of the official complaint to the FMS about the loss of refugee status by decision of the Supreme Court of the Russian Federation;
• paper on obtaining temporary asylum in Russia.

Also read

List of required documents for obtaining Russian citizenship

600

Temporary asylum certificate

For foreigners living in Russia on a long-term basis:

• any document proving the identity of the subject (passport of the native state);
• resident card;
• individual personal account insurance number (SNILS) - optional.

For foreigners without foreign citizenship who live in Russia on a long-term basis:

• any document by which the client’s identity can be determined;
• resident card;
• Page Individual personal account number - optional.

For foreigners with temporary residence permit:

• Passport of a foreign country or any other document confirming the identity of the subject;
• SNILS - optional.

For stateless persons, but actually residing in Russia (on a temporary basis):

• an identity card with a note about the temporary residence permit (migration services issue the document to persons who do not have official documents proving their identity);
• Page Individual personal account number - optional.

For official representatives of foreign citizens:

• duplicates of identity documents;
• SNILS of the applicant;
• power of attorney of the person who represents the interests of the foreigner (execution in any format is allowed: electronic or written. However, notarization is not required).

For a child under 14 years of age, a birth certificate is required instead of a passport.

Where to contact

The registration of an insurance policy is carried out not by government agencies, but by private insurance companies that have the appropriate authority. To get it, you need to find a suitable social media company. insurance and fill out the appropriate application.

When choosing an insurer, it is recommended to check the ratings of insurance companies at the office. MHIF website. If the subject wishes to change the insurer, he can do this until November 1 of this year (changing the insurance company is allowed once a year).

Terms and cost of registration

A compulsory medical insurance policy is required to be attached to public clinics, so the owner does not have to pay for treatment. Registration of the document also does not require payment.

The duration of the policy depends on which category of foreign entity the owner belongs to. More often, the paper is valid until the end of the calendar year. However, there are situations when it can be interrupted prematurely:

• the owner’s temporary residence document has expired;
• the employment contract has expired;
• The document containing the deadlines for the performance of labor duties by the policy owner has expired.

If it is planned to extend the validity of the TD, the foreigner is allowed to extend the validity of the insurance policy.

Legal advice

When planning a trip to Russia, migrants should know the following rules:

1. When receiving an insurance policy, you must be provided with an insurance program and VHI rules intended for migrant workers.
2. The minimum insurance amount for VHI should be 100,000 rubles.
3. The minimum amount of insurance coverage is primary health care and emergency medical care.
4. The term of the insurance policy is established depending on the length of stay of the foreign citizen on the territory of the Russian Federation. For example, when applying for a work patent for a period of 1 year, an insurance policy is issued for the same period.
5. The policy will only be valid in the region where it was issued.

Before going to the insurance agency to apply for a medical insurance policy, be sure to take documents in the form of a passport, migration card and registration data indicating your place of registration.

How to use the compulsory medical insurance policy

The OMC policy allows a foreign citizen to make an appointment with a doctor in budget clinics, hospitals and other government medical institutions. The owner of the policy, regardless of his citizenship, claims to receive free qualified medical care, but to the extent provided by the basic compulsory health insurance program.

To use the policy, you need to come to any government medical institution, not necessarily at the place of registration, and submit the document to the registry.