Where and how can citizens of Kyrgyzstan obtain compulsory medical insurance?

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.

Regulatory regulation of obtaining a compulsory medical insurance policy for foreign citizens

No. 326-FZ determines that foreigners who have:

• RVP;
• residence permit;
• an official employment contract concluded with an employer in the Russian Federation.

Article on the topic: Compulsory medical insurance - problems and ways to solve them
The duration of insurance is regulated by FFOMS letter N 13057/91/i. The legal relations of insurance participants are determined by Order of the Ministry of Health No. 158n. The possibility of obtaining a compulsory medical insurance policy for citizens of Kyrgyzstan is determined by the Treaty on the EAEU. It allows foreigners with the appropriate citizenship to work freely on the territory of the Russian Federation and obtain insurance.

At the same time, the legal relationship between a foreign worker and an employer is determined by the Labor Code of the Russian Federation. It contains a provision obliging foreign citizens to have an insurance policy when employed.

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.

What documents are required

When applying for a policy or changing an insurance organization, the applicant, regardless of his citizenship, is obliged to provide his personal data personally or through a representative.

This is: Full name (patronymic name is indicated if available), date and place of birth, citizenship, gender, individual personal account insurance number (SNILS, if available), place of actual stay, date and place of registration.

All information is confirmed by an identification document of the applicant; contact information must be indicated. Depending on the mode of stay of a foreign citizen, the required package of documents looks like:

Minors also fall under these requirements; their identification document is a birth certificate.

If for some reason a foreign citizen cannot apply in person, his representative can obtain a compulsory medical insurance policy. Copies of documents are accepted with the provision of the corresponding originals.

All identification documents (internal passport, international passport, birth certificate) must be translated into Russian and notarized.

This requirement is not spelled out in federal law and order, but it is implied. This is an extremely important nuance; without compliance with it, an application for a health insurance policy (both compulsory and voluntary) will not be accepted.

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 to do if you only have a temporary residence permit?

If you only have a temporary residence permit with a limited validity period, a foreign citizen in the Russian Federation can also take out a medical insurance policy, however, the Rules in this regard allow the following:

procedure if you have a temporary residence permit (TRP)

1. Medical care in emergency cases is provided free of charge even without a policy.
2. You can buy voluntary health insurance.
3. You can get the necessary medical care without any insurance, but only for a fee.

When issuing a temporary residence permit, the policy is valid for exactly the same period as the permit itself. The insurance procedure is standard.

Registration of a compulsory medical insurance policy is always carried out at the place of residence. Although the document itself does not contain any information about the address of the insured person, this information is assigned to each insurance issued in hand in the MHIF electronic database.

According to the latest innovations, the insured person can move freely from one region to another, notifying the Federal Migration Service about this. In this case, you will not have to re-insure.

However, it is necessary to notify the insurer of your departure for a long time. If there is no office of this company at the point of arrival, upon arrival you need to contact a branch of any other insurer.

Important: the minimum list of medical services provided under compulsory medical insurance is the same in each region. But local (territorial) lists can be much wider. You can check this information at your local MHIF office.

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.

How to get a compulsory medical insurance policy in the Moscow region

Citizens of Russia have the right to receive free medical care throughout the country, regardless of their place of registration and residence. This right is granted by the Federal Law “On Compulsory Health Insurance in the Russian Federation”, and is guaranteed by the compulsory medical insurance policy. How to apply for a policy, what documents are required and where this can be done in the Moscow region, read the material mosreg.ru.

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Why do you need a compulsory medical insurance policy?

Source: , press service of "RESO-MED"

If you have a policy, a citizen can seek help from a clinic, hospital, city treatment centers and a number of other medical organizations participating in the compulsory health insurance program. If a resident of the Moscow region has received a policy in the region, then he will also be able to receive additional medical services that are not included in the state basic program - seek medical care for the treatment of tuberculosis, sexually transmitted diseases, mental disorders and behavioral disorders, including related with the use of psychoactive substances.

The full list of services to which an insured citizen is entitled can be found in the Decree of the Government of the Moscow Region “On the Moscow Regional Program of State Guarantees of Free Medical Care to Citizens.” Such resolutions are published annually. You can view the documents here.

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How to get a compulsory medical insurance policy

Source: Photobank of the Moscow region, Boris Chubatyuk

Obtaining a compulsory medical insurance policy is quite simple. To do this, you need to collect documents, choose an insurance company and submit an application. The policy is issued for 1 month, during which time the applicant is issued a temporary policy under which all guaranteed services can be obtained.

Required documents

To obtain a compulsory medical insurance policy, an adult resident of the Moscow region will need to present a passport and an insurance certificate of compulsory pension insurance (SNILS). To apply for a policy for a child under 14 years of age, you need to provide the child’s birth certificate, the passport of one of the parents (or legal representative, guardian) and SNILS. Foreign citizens must present an identification document with a note indicating permission for temporary residence in the Russian Federation.

Choosing an insurance company

After collecting all the necessary documents, you need to decide on a medical insurance organization (HIO). It is better to choose it at your place of residence, since in this case the policy makes it possible to receive services not only under the basic federal, but also under the territorial compulsory medical insurance program.

Every year, several health insurance organizations participate in the implementation of the Moscow Regional Compulsory Health Insurance Program. Detailed information about insurance companies can be found on the MHIF website in the register of insurance companies section.

The list of policy issuing points is published on the website of the Territorial Compulsory Medical Insurance Fund of the Moscow Region. You can choose any one.

Where to apply

You can apply for an OMF policy directly at the insurance company itself, at the clinic to which the citizen is attached, and at the MFC office. In the latter, the service is provided only for children under 1.5 years old.

The procedure for submitting an application for a compulsory medical insurance policy at an insurance company and clinic can be clarified on the websites of institutions or by calling the telephone numbers listed in the register. As a rule, the application form will be provided on site. The employee will take a copy of the passport (main page and registration page) and SNILS.

Issuing a policy

After submitting the application, a temporary medical policy is issued. It guarantees the right to free medical care in the event of an insured event.

The policy itself is prepared within 30 working days from the date of submission of the application and issuance of the temporary document.

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Replacement policy

Source: Photobank of the Moscow region, Anastasia Osipova

The new compulsory medical insurance policy is unlimited. However, it must be replaced if:

— the citizen has changed his full name or place of residence;

— made changes to the date or place of birth;

— inaccuracies or errors were identified in the information contained in the policy.

You should also replace the old policy, issued before 2011, with a new one.

Renewal of the policy is carried out only at the request of the insured person upon presentation of documents confirming the changes.

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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.

Features of insurance

Compulsory medical insurance services do not contradict international treaties. Foreign citizens are full-fledged subjects of compulsory medical insurance; they are provided with the same rights and responsibilities as residents.

But their stay is controlled by Federal Law No. 115-FZ dated July 25, 2002 “On the legal status of foreign citizens in the Russian Federation,” and this makes its own adjustments.

Depending on the status of a foreign citizen, labor relations and the regime of his stay, such groups as working/non-working and permanent/temporary stay are distinguished.

Compulsory insurance with the issuance of policies is subject to permanent residents (who have received a residence permit) both working and non-working, foreign entrepreneurs and temporarily residing but working foreigners.

Persons with temporary residence status are not required to pay compulsory medical insurance contributions; this group also includes foreign citizens working under copyright, labor and civil law contracts.

This does not mean that temporarily staying persons do not have the right to insurance for their health; a system of voluntary insurance is provided for them; free medical care is provided to them in the event of a threat to life and others provided for by law.

Much depends on the duration and mode of stay. This is presented more clearly in the table:

In fact, foreign citizens are guaranteed free services within the framework of social guarantees of the health care system, but only permanent or temporary residents can receive a perpetual policy of a uniform type (not to be confused with stay!).

The rest either enter into contracts for voluntary health insurance or re-file applications for the policy. In case of departure or change of conditions of stay, a foreign person is obliged to notify his insurance company about this within 1 month.

How to change the compulsory medical insurance company is described in the article: how to change the compulsory medical insurance company. Find out how to get a compulsory medical insurance policy for an unemployed person on this page.

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.

Why do you need a compulsory medical insurance policy?

Compulsory health insurance is a form of social protection provided by the state to each insured person. Unlike VHI, this type of insurance is completely free for the recipient of the relevant services. VHI for citizens of Kyrgyzstan is also available, but the rules for its provision apply on different grounds.

Compulsory medical insurance provides the policyholder with the opportunity to seek medical care in any region of the Russian Federation, regardless of the place of registration. A citizen of Kyrgyzstan can take out insurance when applying for a job, when an official contract is concluded.

Important! A medical insurance can be obtained if a foreigner works under an official employment contract. Civil legal registration of labor activity will not be a reason for receiving compulsory medical insurance.

Insurance provides access to medical care determined by the compulsory medical insurance program. Services available include:

• emergency help;
• primary medical appointments in state and municipal medical institutions;
• clinical examination;
• carrying out preventive measures;
• seasonal vaccination;
• high-tech assistance.

Some private clinics cooperating with the compulsory medical insurance system provide a discount on treatment, in particular, this often applies to dental services.

Types of insurance programs

A foreign citizen deciding how to obtain a temporary residence permit in Russia should know what kind of health insurance program he can count on here. In the Russian Federation, the existence of two types of such programs is legally established. Insurance can be compulsory or voluntary. Each type guarantees a citizen the opportunity to receive a certain range of medical services subject to a number of requirements.

Compulsory insurance of citizens

The state is the guarantor of the functioning of compulsory health insurance. The provision of medical care within the framework of compulsory medical insurance does not depend on the financial situation of the citizen. Services must be provided to all those who have entered into a compulsory medical insurance agreement.

The contract is concluded between a citizen and a medical insurance company, which has the right to work within the framework of compulsory medical insurance. Insurance premiums are formed for working citizens from the part of wages that is withheld as social tax. For unemployed citizens, funds are transferred by the state.

The list of medical services provided to holders of compulsory medical insurance policies undergoes some changes every year. It is better to find out directly from the medical insurance company whether the necessary assistance is included in the list. The contact information required for this is indicated on the back of the compulsory medical insurance policy.

Voluntary

All foreigners living in the Russian Federation for more than three days not only have the right, but are also required to take out a health insurance policy. If a foreigner is not entitled to apply for compulsory medical insurance in Russia, then he will have to resort to voluntary health insurance (VHI) in order to maintain the possibility of legal stay in the country. For staying on the territory of the Russian Federation without medical insurance for more than three days, foreigners face a fine of 2 to 7 thousand rubles, depending on the region.

VHI can be either personal, when an individual enters into an agreement with an insurance organization, or collective, when a legal entity insures all its employees. The list of medical services provided under VHI is not regulated by the state, but is determined within the framework of a specific insurance program.