Voluntary health insurance and policy for foreign citizens

What medical care can foreigners expect?

Along with social security for Russians, the structure of social health insurance also includes norms regulating voluntary health insurance for foreign citizens. All of them are specified in the regulations and standards of insurance companies, as well as in the regulatory documents of the Social Insurance Fund. On an equal basis with Russian citizens, foreign guests of the country have the right to:

Free ambulance call;
Prompt service in case of acute pain;
Medical assistance at the birth of a child;
Transportation in a critically ill condition;
Repatriation of the body to the state of permanent residence in the event of death.

However, this is the maximum medical care available to foreigners who do not have compulsory health insurance. To expand the list of medical services, they will have to draw up an agreement with one of the insurance companies, after which they can apply for full medical care within the framework of this document on the provision of medical insurance for foreign citizens in the Russian Federation.

In this case, residents of the country from abroad will also have access to such opportunities as hospital stays, outpatient treatment of chronic diseases, services in clinics and dental offices, regular examinations by specialized doctors and therapists, as well as other services of medical institutions.

How to obtain a medical policy for a citizen of Kyrgyzstan in Russia in 2021: general conditions

Important! It does not matter whether a citizen of Kyrgyzstan has issued a temporary residence permit (TRP) or not - in any case, he has the right to a free compulsory medical insurance policy as a citizen of an EAEU member country.

Citizens of the Russian Federation receive a compulsory medical insurance policy free of charge (CHI) and are entitled to services in state and municipal clinics free of charge. Having a compulsory medical insurance policy is mandatory.

As for foreign citizens, in most cases, a VHI policy is available to them - voluntary health insurance, which involves charging a fee in the amount of 2.5 to 50 thousand rubles at a time.

Who can get a VHI policy?

The majority of foreign citizens staying legally on the territory of the Russian Federation can claim the same rights in medical social security as Russians. However, for this you need to have a certain status. The categories of persons applying for health insurance for foreign citizens include:

Immigrants from near and far abroad who wish to obtain a residence permit in the Russian Federation;
Refugees from zones of military conflicts, or those affected by political persecution;
Persons temporarily staying on the territory of the Russian Federation on the basis of civil law or employment contracts;
Citizens of foreign powers studying at Russian universities.

In fact, voluntary health insurance for all categories of foreigners is to some extent a mandatory step, without which it is impossible to obtain a residence permit in Russia, carry out labor activities and obtain a labor patent.

The category of persons who also need a VHI policy also includes family members of foreign citizens of all listed categories.

To exercise their social rights in the field of health insurance in Russia, foreigners must conclude an insurance contract before the expiration of a three-day period from the moment of arrival on Russian territory.

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: Features of the federal law on social insurance
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.

Who is not required to have voluntary health insurance?

Among foreign citizens, there are categories of persons for whom voluntary medical insurance is either not a mandatory requirement or is not available for a number of reasons.

Such foreign citizens include, in particular, residents of the union state of Belarus. Those foreigners whose documents do not meet the requirements of Russian legislation will not be able to obtain a policy from the insurance company.

Children under the age of 18 can use medical services without voluntary health insurance for foreign citizens. However, their parents are required to have a document on voluntary health insurance in Russia.

How to apply for a voluntary health insurance policy and agreement for foreigners?

A candidate for a voluntary medical insurance policy must have documents that meet the requirements of Russian legislation. The passport or other identity documents must be translated into Russian. And the translation must be official and notarized. The exception is citizens of those states where duplication of passport information in Russian is practiced.

Persons with foreign registration who have reached the age of 18, but not older than 60, can apply for the policy.

The main conditions for obtaining guarantees for medical insurance for foreign citizens in the Russian Federation are the availability of the necessary documents and their compliance with accepted standards.

Methods for obtaining a medical policy in Russia depending on the category of foreign citizen

The procedure for medical insurance of foreign citizens in the Russian Federation is determined by Order of the Ministry of Health and Social Development of Russia dated February 28, 2011 No. 158n. Depending on the category of foreigners the health insurance policy holder belongs to, he may have access to various ways to obtain the document:

No.	Category of foreign citizens in the Russian Federation	Clarifications
1	Participants in the state program for the resettlement of compatriots	After the registration procedure for the participant and his family members in the program for the resettlement of compatriots is completed, the citizen receives the right to apply for a compulsory medical insurance policy (free of charge).
2	Highly qualified specialists	Compulsory medical insurance policy is issued according to the following scheme: The employer sends an invitation for employment. A foreigner obtains a work permit. The inviting party issues a compulsory medical insurance policy to the specialist and makes insurance contributions to the Compulsory Medical Insurance Fund. The foreigner returns the insurance policy to the employer at the time of dismissal. See Labor Code of the Russian Federation of December 30, 2001 No. 197-FZ.
3	Citizens of the EAEU (Eurasian Economic Union)	In addition to the Russian Federation, the EAEU includes Kyrgyzstan, Armenia, Kazakhstan, and Belarus. The Russian government allows citizens of these countries to take out a compulsory medical insurance policy (free of charge).
4	Refugees	Foreign citizens with refugee status have the right to count on the same conditions as Russians on almost any issue. This also applies to the issue of applying for a health insurance policy - they have access to a compulsory medical insurance policy (free of charge).
5	Minor children of foreign citizens	● Newborns under 3 months can be served in medical organizations under the mother's policy. ● Infants aged 3 months and older are issued a separate health insurance policy based on their birth certificate.

Package of documents

In addition to the passport itself, you must present to the insurance company a migration card confirming the legality of the stay of a foreign citizen and his family in Russia.

For those categories of persons who are in the Russian Federation for the purpose of earning money, it is important to have a patent when drawing up an insurance contract.

Everyone who has a residence permit is required to present a permit for temporary or permanent residence within Russia.

These documents are sufficient to issue a policy of this type of insurance. But at the same time, the conditions of the selected insurance company may also provide for other documents.

What documents are needed to obtain a policy?

A foreigner can take out a compulsory medical insurance policy independently. To do this, you need to contact the insurance company, whose representatives must explain in detail how citizens of Kyrgyzstan receive compulsory medical insurance.

Typically, the policyholder contacts the insurance company with an application containing the following information:

FULL NAME;
Date of Birth;
place of birth and citizenship;
SNILS;
passport details;
information about the place of registration;
migration card data;
contacts for communication;
details of the employment contract, including the date of conclusion and duration of validity.

The application must be accompanied by copies of documents and their originals for verification: passport, migration card, SNILS.

After submitting an application, the policyholder receives a temporary policy that is valid until the actual certificate is issued. The temporary document is valid for no more than 30 working days from the date of issue and provides its owner with the same opportunities to receive medical services. Upon completion of registration, the foreigner must take out a ready-made compulsory medical insurance policy, which is provided to him in paper form.

Article on the topic: How to get an appointment with a psychologist under compulsory medical insurance

Note! A VHI policy for citizens of Kyrgyzstan is issued with a smaller set of documents. All you need is a passport and a migration card.

Features of Russian voluntary medical insurance for foreign citizens

All foreign persons who wish to voluntarily take out a VHI policy must first choose one of the insurance companies. Their list is quite extensive, and the conditions may differ in terms of the cost of services, the amount of coverage for an insured event, the procedure for processing documents and other nuances.

In this case, it is extremely important to pay attention to the list of medical and preventive institutions with which the insurer has signed an agreement on the provision of services. This may be important in cases where specialized medical care may be required. For example, when a policy is issued in the early period of pregnancy and there is a possibility of needing gynecological treatment in a hospital.

After choosing an insurance company, a foreigner needs to decide which type of medical services is preferable for him, based on his state of health:

General medical conditions of service;
Narrowly targeted medical care.

In the first case, the insurer guarantees the provision of medical services by partner medical institutions regarding general health maintenance. If the insured person has specific diseases, the second insurance format with the possibility of receiving highly targeted assistance will be preferable.

What is VHI for company employees? Find out more here.

How to apply for a compulsory medical insurance policy for a residence permit?

The process of applying for a compulsory medical insurance policy is quite simple. You come to one of the health insurance organizations in your city and submit an application. It won’t be difficult to choose a company - just type into a search engine a query like “Insurance companies compulsory medical insurance policy for residence permit (city name).” A modest set of documents is attached to the application:

foreign passport;
residence permit with a mandatory registration mark;
SNILS (if available).

On the day you submit your application, the insurance company will either immediately issue you a compulsory medical insurance policy or issue a temporary certificate valid until you receive a valid policy. The deadline for obtaining a compulsory medical insurance policy is 30 calendar days.

If you have changed your place of residence, last name, first name or patronymic, your compulsory medical insurance policy must be reissued. You should contact the same company that issued you the policy for the first time.

A foreigner with a residence permit can purchase a duplicate of the policy only if the first copy is lost or has become unusable (damaged, faded, etc.).

Medical insurance with a residence permit allows you to receive a number of medical services in the Russian Federation

VHI cost

The issue of budget costs when obtaining a health insurance policy in a voluntary format is regulated by the terms of the insurance contract of a specific insurance company.

But in all cases, tariffs for labor patent holders will be noticeably lower - on average by 0.5-1.5 thousand rubles. For different insurers, the policy price can range from 3 thousand to 10-13 thousand rubles. This cost depends on the list of insured events included in the policy.

In addition, this tariff is influenced by the cost of services of medical institutions with which the insurance company cooperates, the state of health of the insured person at the time of execution of the contract, his age, as well as the risks associated with the performance of professional activities.

Accordingly, the amounts of insurance coverage differ. They can reach 120,000 - 900,000 thousand rubles.

To summarize, we can convincingly speak about respect for the rights of foreign citizens in relation to voluntary health insurance on the territory of Russia.