The policy of voluntary medical insurance for foreign citizens staying on the territory of the Russian Federation

In Russia there is a compulsory medical insurance program (OMC), which gives the right to receive free assistance to citizens of the country and non-residents. The policy is issued to all employed persons at the enterprises. But this applies only to people who live temporarily or permanently in the territory of the Russian Federation. In other cases it is necessary to buy a policy of voluntary medical insurance for foreign citizens (LCA). More details about the terms of this program read further in the article.

A few words about OMS

The policy is issued to foreigners only if they are officially employed at domestic enterprises. The employer concludes a contract with the insurance organization and the city's MHI fund. The policy is limited to the term of the employment contract. To receive the document, the citizen should apply to the personnel department and write a statement. Unemployed foreigners with a residence permit can also receive a MHI policy, but already through an insurance company (UK). Children under one year of age, pregnant women receive medical care without a policy. This also applies to "ambulance" and "ambulance". In case of loss of the document, you can get a duplicate either through the personnel department or in the UK. To gain a foothold for a particular polyclinic, you need to write an application to the local health department. A copy of the passport and the policy is attached to the document. Non-employed persons can use the services of paid medical assistance or arrange a policy of voluntary medical insurance for foreign citizens.

For whom is the program developed

Foreigners temporarily or permanently residing in the territory of the Russian Federation can use VHI. At the same time, according to the legislation, employed citizens are required to purchase a policy not only for themselves, but also for all members of the family. Without this document, it is impossible to formalize an employment contract or a residence permit for qualified specialists.

The policy of voluntary medical insurance for foreigners

For registration of the document it is necessary to apply to the UK and choose one of two service programs:

• Specialized - rendering of narrowly focused services.
• A generalized, within the framework of which the treatment is performed by a physician-therapist.

Voluntary medical insurance for foreign citizens in Moscow is not all institutions. The choice is influenced by the place of residence and the location of the polyclinic.

It should be noted immediately that the document begins to operate only 5-7 days after registration. Therefore, if a person has entered the hospital without a policy, all the costs he will have to compensate for independently. You can not back up a document. Pregnant women are better off acquiring a policy at the maximum price. It will cover not only diseases, injuries, dental, diagnostic procedures, but also possible complications during childbirth. Note that pregnancy is not a disease, so it is not included in the insurance. The birth in the territory of the Russian Federation is free of charge.

Algorithm

The VHI program applies to people aged 18 to 60 years. The policy can be purchased for a period of 3 to 12 months. Migrants are not served in the district clinic. In case of a malaise, a person applies to the UK, which sends him to a medical institution with whom he has entered into a cooperation agreement. If a person experiences acute pain, it is necessary to call an ambulance. This brigade serves foreigners for free. This is how voluntary medical insurance for foreign citizens works. The law, which entered into force in January 2015, obliged all persons arriving in the Russian Federation for employment to purchase VMI policies.

How much do I have to pay

The cost depends on the set of services. For registration it is necessary to provide the document proving the identity. According to statistics, the policy of voluntary medical insurance for foreign citizens is 1.5-2 times more expensive than for residents. This is because most of the guests of the country do not know Russian. They have to go to specialized institutions where staff speak a foreign language.

The basic package includes obtaining out-patient, in-patient medical services in emergency situations. The starting price is 1,300 rubles. This is three times cheaper than previously voiced by local authorities. Initially, it was planned that voluntary medical insurance for foreign citizens, pensioners will allow participants not only to receive consultations in a polyclinic, but also to take a hospital, X-ray, ultrasound, ECG, go to the dentist. But at this price, the coverage is minimal.

Even at maximum cost, it does not apply to oncological, venereal diseases, tuberculosis, mental disorders, hepatitis and type I and II diabetes. The most expensive packages allow to receive physiotherapeutic treatment, hospital, prescriptions for medicines, MRI, ECG, RVG, REG and other types of diagnostics.

Where to buy a policy

This product is offered in such UK: Max, Reso, VTB Insurance, Rosgosstrakh, etc. Coverage - 100 thousand rubles. The basic package includes outpatient and inpatient care in emergency cases (exacerbation of existing diseases, the presence of acute pain). Support during childbirth, planned care and other services can be included in the voluntary medical insurance policy for foreign citizens for an additional payment. The cost of the package varies from 1.3 to 5.5 thousand rubles and depends on the time and region.

Visitors can buy insurance in the Migration Center. So, 1,3 thousand foreign citizens have already arrived. From the capital budget in 2015-2017 for medical care for unidentified patients will be allocated to 5.3 billion rubles. The costs will pay off after 1.6 million migrants acquire a policy of voluntary medical insurance at an average price of RUB3,300. Legally employed in the capital - 400 thousand people.

Statistics

Most often, migrant women seek help in the treatment of gynecological diseases, men - with gastrointestinal problems. There are fewer complaints due to toothache and infectious diseases. Experts argue that voluntary medical insurance for foreigners helps reduce the risk of serious infections. Now visitors come to polyclinics only with acute pain. Doctors provide emergency help. But they do not have the right to treat without a policy. After the introduction of legislative changes, migrants will often turn to doctors. This will prevent the occurrence of serious diseases. Climate change, changes in living conditions can exacerbate mental disorders, tuberculosis, syphilis. Now doctors can not only remove acute pain, but also conduct a survey, identify signs of serious diseases at an early stage.

Not all experts consider legislative changes to be justified. Some argue that there is no need to introduce mandatory VMI for foreigners. Migrants used to be served in paid medicine. They are treated either at familiar doctors-compatriots, or in hospitals, but only when absolutely necessary. Non-residents have to pay for a patent (4 thousand rubles), an examination in the Russian language (4,5 thousand rubles.), And now also for a policy.

Conclusion

Voluntary medical insurance for foreign citizens "Reso" from 2015 is an indispensable condition for employment and obtaining a residence permit in the Russian Federation. The cost of the policy varies depending on the region and the set of services. Basic package for 1.3 thousand rubles. Allows you to get out-patient and inpatient services. In emergency cases, "ambulance" and "ambulance" provide assistance to all persons in need, but further treatment is paid.