Voluntary medical insurance for foreign citizens - subtleties of registration

In Russia, as in most developed countries, compulsory health insurance programs have long been in place . Thanks to them, medical care can be received both by residents of the country and by non-residents. However, a person who does not have Russian citizenship, but who is officially employed, will have to purchase a voluntary insurance policy. About this, what is voluntary medical insurance for foreign citizens, will be told in this article.

Advantages of VHI policy for foreign citizens

Non-residents of the Russian Federation who work at enterprises, naturally, can get sick or get an industrial trauma. As you know, free medicine and care in polyclinics leave much to be desired. That is why the best way is to purchase a VHI policy for foreign citizens. With such a document, a person will be able to receive first aid in an institution with a high level of service. All of them are private, that is paid, but not public. Accordingly, in such medical organizations new high-tech equipment has been installed, with the help of which it is possible to put the right diagnosis and choose the necessary treatment.

Services included in the insurance policy, and the price

The holder of VHI gets the opportunity to call a doctor at home and get outpatient or inpatient treatment. In addition , a citizen has the right to seek help from a dentist if necessary. The same applies to highly specialized doctors, as well as medical and transport assistance. If a foreign citizen wants to undergo a survey and get diagnosed on unique and expensive devices, he will need to include this in the list of services.

Voluntary medical insurance for foreign citizens, whose price is very "biting" - a thing not from cheap pleasures. Of course, sometimes treatment costs even more than the owners of such policies, but, as a rule, most non-residents do not use it. This fact explains frequent refusals of LCA. However, some firms hire foreigners only when the insurance is issued. It should be noted that the cost of an ordinary policy for Russian citizens is one and a half to two times less than for guests of the country, and varies between 1,500 and 5,000 rubles.

Required documents for registration

Before collecting documents, you should know that people over 75 years (in some cases older than 81 years), as well as persons with disabilities 1 and 2 groups, oncological patients and those with congenital diseases will be denied registration of the policy. Voluntary medical insurance for foreign citizens can be obtained on the condition that they are legally employed and have a residence permit.

Below is a list of documents that will be required from a non-resident:

• Passport.
• Migration card.
• Location data.
• A certificate of the birth of a child in the event that the policy is necessary to him.
• Statement indicating the insurance organization

Registration of LCA for foreign citizens does not take much time, if everything is in order with the securities. Most often this issue is handled by the employer or an authorized person.

What you should pay attention to, or subtleties of design

Receiving the VHI policy for foreign citizens, you should know that it begins to act only 5-7 days after the filing of documents. If during this period of time something happens to a person, he will have to pay for the treatment at his own expense. Only after five to seven days a foreign citizen is issued a so-called temporary policy. The main document he will receive a month after the application.

Voluntary medical insurance for foreign citizens is valid only during the period of the employment contract. If the contract is over, the employer has the right to terminate the insurance contract.

Features of LCA and objectives

Usually, the desire to insure your health with a view to getting free medical care is the motive for which everyone wants to purchase a policy. Nevertheless, this is not the only goal. Some non-residents come to Russia to work with families, and children need a policy. Without VMI for foreign citizens, children will not be accepted by some schools or kindergartens. In addition, adults themselves will not be able to conclude an employment contract without this document.

Insurance provides an opportunity to receive quality medical care in paid clinics. If a person often turns to doctors, or he often has a sick child, the conclusion of a contract with an insurance company is simply mandatory. The patient's care is performed exactly on the day and hour, which will be appointed by the doctor. Thus, a person feels confident for their own health outside their own country.

Helpful Tips

In the event that a foreign citizen has lost a policy, he should contact the employer or the personnel department. There will be a duplicate, and a person will be able to provide it if necessary. Voluntary medical insurance for foreign citizens is compulsory since 2015. That's why now even those people who do not want to buy it, simply can not officially get a job. The choice is for every hotel non-resident. Sometimes buying a policy becomes unprofitable. In this case, you need to weigh all the pros and cons and think ahead. Naturally, "First Aid" will provide first aid, but further treatment will require additional expenses that could be avoided with insurance.