How to get a medical policy for a citizen of Kazakhstan in Russia with a temporary residence permit in 2021

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.

What services can be obtained under the compulsory medical insurance policy?

The compulsory medical insurance policy allows its owner to take advantage of a wide range of medical services free of charge, namely:

• emergency medical care in case of injury, poisoning, etc.;
• inpatient or outpatient treatment (which includes diagnostic measures, an appointment with a doctor of any specialization, calling a doctor at home, etc.);
• management of pregnancy and childbirth, and further patronage of the newborn;
• dental and other services included in the basic compulsory medical insurance program.

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.

Compulsory medical insurance for working citizens of Belarus in 2021

Compulsory medical insurance for working citizens of Belarus on the territory of the Russian Federation has its own characteristics, namely:

• Only a citizen of Belarus working under an employment contract has the right to receive a compulsory medical insurance policy and further free medical care;
• Citizens of Belarus who work under a civil contract, and not under an employment contract, cannot qualify for free medical care;
• A compulsory medical insurance policy for a citizen of Belarus is issued before the end of the calendar year, but no more than an employment contract has been concluded;
• Family members of a citizen of Belarus cannot use free medical care on the territory of the Russian Federation.

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.

Example 2. Registration of honey. policy in St. Petersburg for a Belarusian with a temporary residence permit

Let’s assume that a Belarusian with a residence permit in Grodno is invited to work in St. Petersburg. The work is official, with the conclusion of an employment contract and the provision of an appropriate social package. The invitee has health problems. Therefore, he needs to know in advance whether he can get the chalk. insurance policy at the place of his new job in order to receive the medical care he needs for free. services.

In the situation under consideration, no problems with registration are expected. A Belarusian must generally issue a temporary residence permit, enter into an agreement, and then he will be able to receive a compulsory medical insurance policy. At the same time, he will gain equal rights with Russians to receive free honey. assistance in state (or municipal) medical services. institutions under the policy issued to him.

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.

Procedure for issuing VHI

This can be done at any insurance agency in Russia, both during a personal visit and online. There is also the possibility of receiving it by a trusted person (by power of attorney).

By the way. In most cases, the payment is made by the insured person himself. In a number of situations, if a foreigner is a labor migrant, this can be done by the employer.

Personal collection

When applying to an insurance company, a foreigner provides:

• Passport, which is an entry document (foreign or civil for the EAEU countries);
• A certified translation of this document, if required by the insurance company;
• Birth certificate, if the insurance is intended for a child;
• Application for receipt;
• Migration card;
• Confirmation of location in Russia (hotel reservation, address of another place of residence);
• Payment of the selected insurance rate.

Usually the procedure takes no more than an hour, but can take up to three days. It must be remembered that, in accordance with the new edition of the Federal Law “On Insurance of Foreign Citizens,” they are given 60 hours to obtain insurance.

By the way. When a foreigner applies to the Migration Office to register his stay, he must already have VHI.

The received document must include the clause “provision of primary health care and specialized emergency care.” The registration period must be equal to the period of stay or (for migrant workers) the validity of the labor patent.

Migrant workers from countries outside the EAEU are not allowed to enter into a contract without VHI. In this case, the assistance agreement must be concluded for a year or for the duration of the proposed work contract.

Insurance online

On the Internet, you can not only calculate the cost of the policy, but also apply for it on the website of any insurance company or bank.

• www.makc.ru
• www.ingos.ru
• www.banki.ru

Any foreign citizen aged 18 to 65 years can be independently insured (then pension insurance comes into force, and the child is insured by the parents).

Insurance amounts are offered in the range from 100,000 to 500,000 rubles. Terms – from 90 to 365 days.

The insured citizen must go to the website of the insurance company or bank and fill out an online application. Then insurers will contact him using the contact information he left.

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.

Compulsory medical insurance for citizens of Kazakhstan

Previously, citizens of Armenia, Belarus, Kyrgyzstan and Kazakhstan did not have the opportunity to obtain a medical policy in Russia. It did not matter whether there was a formal employment contract with the employer.

In this regard, the Eurasian Economic Commission considered the issue of introducing uniform rules for issuing policies for foreigners of this category when performing labor functions in Russia. The result was the adoption of an order on the provision of medical services to citizens of the EAEU member countries. The rules apply to both permanent and temporary residents of the Russian Federation.

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 can an Armenian apply for a compulsory medical insurance policy under a temporary residence permit in Moscow?

The procedure for registering a compulsory medical insurance policy in all constituent entities of the Russian Federation is carried out according to the same principle and does not make any significant difference. Its general procedure is regulated by Part II of Order of the Ministry of Health of the Russian Federation No. 108n dated February 28, 2019. The algorithm for an Armenian to apply for a compulsory medical insurance policy in Moscow is as follows.

A compulsory medical insurance policy is issued in a similar way in other constituent entities of 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.

Why does a citizen of Kyrgyzstan need a medical policy in Russia?

In addition to the fact that having a medical policy is a mandatory condition for staying on the territory of Russia (Federal Law of July 25, 2002 No. 115-FZ), regardless of the period of stay in the country, it will be useful for citizens of Kyrgyzstan to have a compulsory medical insurance policy available in case if they require urgent medical attention. The list of persons subject to compulsory health insurance is presented in the text of the Federal Law of November 29, 2010 No. 326-FZ.

Important! Even Russian citizens who do not have a compulsory health insurance policy may be denied access to an ambulance, despite the fact that the law gives uninsured Russians the right to receive medical care in emergencies.

The compulsory medical insurance program operates at the state (all-Russian) level, however, in various constituent entities of the Russian Federation, local authorities provide certain additions to the general list of medical services . In any case, a citizen of Kyrgyzstan who has a compulsory medical insurance policy in his hands has the right to count on the following privileges (without payment, in case of contacting state and municipal clinics):

1. Emergency medical care, including home visits.
2. Medical examination.
3. Undergoing planned treatment (hospitalization).
4. Contacting local doctors and specialists.

Important! The widest range of medical services under the compulsory medical insurance policy is provided by medical centers located in the central part of the Russian Federation (in the regions of the central part of the country).