How to purchase a VHI policy for foreign citizens

A foreign citizen has the right to receive free medical care.

The size and scope of services provided depends on the foreigner’s stay in Russia and his social status.

A migrant who permanently resides on the territory of the Russian Federation is practically equal in rights to a native resident of the country.

Those temporarily without pay receive only emergency assistance.

Those categories of migrants who do not have access to free services purchase a VHI policy.

Medical support for foreign citizens according to the legislation of the Russian Federation

The Declaration of Human Rights states that the right of people to the protection of their health and medical care is preserved not only in their home country, but also in any other.

With a single reply, if the budget of the country where the migrant arrives does not place an unbearable burden.

Organizing the availability of medical services for a foreign citizen should not cause significant damage to the country’s healthcare system.

Federal laws “On the fundamentals of protecting the health of citizens in the Russian Federation”, “On compulsory health insurance of citizens in the Russian Federation”

provide a unified procedure for organizing medical care for Russian citizens and migrants.

In the Russian Federation there are three regimes for the presence of foreign citizens:

permanent resident;
temporary resident;
temporarily staying.

Visitors are issued a compulsory medical insurance policy, which gives them the opportunity to receive free care in medical institutions.

But for this, a foreigner must obtain the status of a temporary or permanent resident.

For them, the registration conditions are comparable to what is offered for citizens of the Russian Federation.

The policy does not apply to other categories of foreigners.

The exception is highly qualified specialists whose annual salary is more than 2 million.

Rules for the provision of medical care to foreign citizens and stateless persons

1.1 In the State Budgetary Healthcare Institution “DSP No. 38 DZM”, foreign citizens and stateless persons are provided with primary health care and specialized medical care.

1.2 If it is necessary to receive medical care, a foreign citizen (stateless person) or his legal representative contacts the registry of the State Budgetary Healthcare Institution “DSP No. 38 DZM”.

1.3 To provide medical assistance to a foreign citizen (stateless person), it is necessary to identify the identity of the foreign citizen (stateless person). During the identification process, the medical registrar performs the following actions:

1.3.1 Verification of the citizen’s identity document (if necessary, a document confirming the authority of the legal representative accompanying him)

1.3.2 Recording information about the citizen (the legal representative accompanying him) in the software of the State Budgetary Healthcare Institution “DSP No. 38 DZM”.

1.4 Identification includes establishing the following information in relation to a foreign citizen (stateless person):

last name, first name, patronymic (if available);
citizenship (in relation to foreign citizens);
date, month and year of birth of the patient;
details of the identity document;
details of a migration card, a document confirming the right of a foreign citizen or stateless person to stay (reside) in the Russian Federation (residence permit or temporary residence permit);
address of place of residence (registration) or place of stay;
data of the contract (policy) of compulsory medical insurance (for foreign citizens permanently or temporarily residing in the Russian Federation, stateless persons);
data of the contract (policy) of voluntary medical insurance concluded with an insurance organization created in accordance with the legislation of the Russian Federation.

1.5 For foreign citizens, an identification document is a passport of a foreign citizen or another document established by federal law or recognized in accordance with an international treaty of the Russian Federation as an identification document.

1.6. For stateless persons, identification documents are:

a document issued by a foreign state and recognized in accordance with an international treaty of the Russian Federation as a document certifying the identity of a stateless person;
temporary residence permit;
resident card;
other documents provided for by federal law or recognized in accordance with an international treaty of the Russian Federation as documents identifying a stateless person.

1.7 Before the provision of medical care, the written informed voluntary consent of the patient for medical intervention and the informed voluntary consent of the consumer for the provision of paid medical services are taken from a foreign citizen (stateless person) or the legal representative accompanying him; the forms are signed personally.

Medical documentation of a patient - a foreign citizen (stateless person) is filled out in Russian.

1.8 Informing foreign citizens about receiving medical care in a medical organization.

1.8.1. When a foreign citizen applies to a medical organization regarding the provision of medical care, the medical organization ensures that he is informed about the Rules for the provision of medical care to foreign citizens on the territory of the Russian Federation, approved by Decree of the Government of the Russian Federation of March 6, 2013 No. 186. For this purpose, these Rules are posted on:

official website of a medical organization;
at the information stand located in the lobby of the medical organization.

Personal informing of a foreign citizen about the Rules for the provision of medical care to foreign citizens on the territory of the Russian Federation is carried out by a medical worker of a medical organization only after an accurate determination of the foreign citizen’s need for one or another form of medical care (emergency or planned). If a foreign citizen needs emergency medical care, information is provided after the threat to the life of the foreign citizen has been eliminated and his condition has been stabilized.

1.8.2 Foreign citizens who are insured persons in accordance with the Federal Law “On Compulsory Medical Insurance in the Russian Federation” are informed at the medical organization about the rights and obligations of citizens insured under compulsory medical insurance when providing medical care.

1.8.3 When providing medical care to a foreign citizen on a paid basis, he is informed in accordance with the Regulations on the procedure and conditions for the provision of paid medical care.

1.9 After completion of treatment, a foreign citizen (stateless person) is given or sent an extract from the medical documentation indicating the period of medical care provided in the medical organization, as well as the measures taken for prevention, diagnosis, treatment and medical rehabilitation. Medical documentation sent from the Russian Federation to another state is completed in Russian.

Medical support for foreigners from foreign countries

Based on a decree of the Russian government, foreign citizens upon entry into Russia may be required to have health insurance valid for the entire period of their stay in the country.

At the moment, the presence of such a document is a mandatory condition for the entry of citizens from the Schengen countries.

If their mode of stay in the country is defined as permanent and temporary residence, then standard medical services are provided within the framework of the compulsory medical insurance policy, and additional ones are covered by medical insurance.

If a migrant’s status is determined to be temporary, then he is entitled to free first aid and ambulance.

The remaining services are provided under insurance, in the amount of premiums paid, but not less than the amount provided for in the list.

Russia has concluded bilateral agreements with certain countries, which address the specifics of medical care.

The procedure for providing medical care to foreign citizens

1. General Provisions

1.1. This Procedure for the provision of medical care to foreign citizens at CDC Clinicist LLC, CDC Clinicist Plus LLC (hereinafter referred to as the Procedure) determines the procedure for providing medical care to foreign citizens in a medical organization.

1.2. The procedure was developed in accordance with the regulations:

— Federal Law No. 323-FZ of November 21, 2011 “On the fundamentals of protecting the health of citizens in the Russian Federation”;

— Decree of the Government of the Russian Federation dated March 6, 2013 No. 186 “On approval of the Rules for the provision of medical care to foreign citizens on the territory of the Russian Federation”;

— Decree of the Government of the Russian Federation dated October 4, 2012 No. 1006 “On approval of the Rules for the provision of paid medical services by medical organizations”;

— other regulatory documents regulating the provision of medical care in the Russian Federation.

2. Basic concepts used in this Procedure

2.1. Emergency medical care is medical care provided for sudden acute diseases, conditions, exacerbation of chronic diseases that pose a threat to the patient’s life.

2.2. Medical care in a planned form - medical care that is provided during preventive measures, for diseases and conditions that are not accompanied by a threat to the patient’s life, that do not require emergency and emergency medical care, and the delay of which for a certain time will not entail a deterioration in the patient’s condition, threat to his life and health.

3. Organization of medical care for foreign citizens in a medical organization

3.1. When a foreign citizen applies for medical care to a medical organization, the provision of medical care is carried out in accordance with the Rules for the provision of medical care to foreign citizens on the territory of the Russian Federation.

3.2. Emergency medical care for sudden acute diseases, conditions, exacerbation of chronic diseases that pose a threat to the patient’s life is provided to foreign citizens by a medical organization immediately and free of charge.

3.3. Foreign citizens who are insured persons in accordance with the Federal Law “On Compulsory Medical Insurance in the Russian Federation” have the right to free medical care within the framework of compulsory medical insurance. Medical care for this category of foreign citizens is provided by a medical organization in accordance with the Territorial Compulsory Health Insurance Program (hereinafter referred to as the Program), subject to the participation of the medical organization in the implementation of the Program.

3.4. Regardless of the participation of a medical organization in the implementation of the Program, a foreign citizen is informed in the manner established by the medical organization about the possibility of receiving free medical care under compulsory health insurance under the Program, including in other medical organizations.

3.5. Medical care in a planned form is provided subject to the foreign citizen providing written guarantees of fulfillment of the obligation to pay the actual cost of medical services or prepayment of medical services based on the expected volume of provision of these services (except for cases of provision of medical care in accordance with paragraph 3.3 of this section), as well as necessary medical documentation (extract from the medical history, data from clinical, radiological, laboratory and other studies), if available. The foreign citizen submits the above guarantees and the necessary medical documentation to a specialist authorized by order of the head of the medical organization.

3.6. After completing the treatment of a foreign citizen, he is issued either to his address or to the address of a legal or natural person representing the interests of a foreign citizen, in agreement with the specified citizen, an extract from the medical documentation is sent indicating the period of medical care in the medical organization, as well as the measures taken to prevention, diagnosis, treatment and medical rehabilitation. Medical documentation sent from the Russian Federation to another state is completed in Russian.

3.7. Disputes related to the provision of medical care or late payment of invoices for medical care actually provided are resolved in the manner prescribed by the legislation of the Russian Federation.

4. Informing foreign citizens about receiving medical care in a medical organization

4.1. When a foreign citizen applies to a medical organization regarding the provision of medical care, the medical organization ensures that he is informed about the Rules for the provision of medical care to foreign citizens on the territory of the Russian Federation, approved by Decree of the Government of the Russian Federation of March 6, 2013 No. 186. For this purpose, these Rules are posted on:

— official website of a medical organization;

— on an information stand located in the lobby of a medical organization.

4.2. Informing a foreign citizen about his rights and obligations, his state of health, and the choice of persons to whom information about his health status can be transferred in the interests of the patient is carried out in accordance with the Internal Regulations for Patients adopted by the medical organization.

4.3. Foreign citizens who are insured persons in accordance with the Federal Law “On Compulsory Medical Insurance in the Russian Federation” are informed at the medical organization about the rights and obligations of citizens insured under compulsory medical insurance when providing medical care.

4.4. When providing medical care to a foreign citizen on a paid basis, he is informed in accordance with the Regulations on the procedure and conditions for the provision of paid medical services adopted by the medical organization.

4.5. The organization of direct informing of foreign citizens on the provision of paid medical services when they personally contact a medical organization is carried out at the registry of LLC "CDC "Clinicist", LLC "CDC "Clinicist Plus". In particular, the following information is communicated to the foreign citizen:

— on the Rules for the provision of paid medical services by medical organizations, approved by Decree of the Government of the Russian Federation of October 4, 2012 No. 1006;

— on the Rules for the provision of paid medical services in a medical organization;

— about the Internal Regulations for patients in a medical organization;

— on the possibility of receiving appropriate types and volumes of medical care without charging a fee within the framework of the territorial program of state guarantees of free medical care to citizens (for foreign citizens insured under compulsory medical insurance);

— about the rights and obligations of the patient when providing paid medical services.

The foreign citizen is brought to the attention of other necessary information to receive paid medical services.

5. Responsibility for providing medical care to foreign citizens

5.1. Responsibility for organizing the provision of medical care to foreign citizens in a medical organization lies with the director of CDC Clinicist LLC, CDC Clinicist Plus LLC.

5.2. The director of CDC Clinicist LLC, CDC Clinicist Plus LLC, by his order, determines the person responsible for organizing the work of providing medical care to foreign citizens in accordance with this Procedure.

5.3. Medical workers providing medical care to foreign citizens in the Russian Federation are responsible in accordance with the legislation of the Russian Federation.

The main advantages of a VHI policy

Since 2015, in order to obtain a work patent, a foreign citizen, along with other documents, must provide a VHI policy or an agreement for the provision of paid medical services, which provides the migrant with comprehensive medical care.

The contract with the migrant is signed after he has provided all the necessary documents:

passport (plus a notarized translation of the passport);
migration card;
permission to stay in Russia;
registration certificate and temporary registration document from migration services;

There is no monetary compensation for unused VHI policy.

The policy only covers medical expenses.

The money does not go to the migrant, but directly to the institution that provided medical care.

Having a VHI insurance policy gives a migrant tangible benefits:

He himself has the right to choose the volume of necessary services.
He has somewhere to go if he gets sick. There is no need to search for clinics on your own. A call to the insurance company will provide all the necessary information.
Individual approach to the patient. No queues, pre-registrations, outdated equipment, since only paid clinics operate under VHI.
The cost of treatment with a policy is almost always lower than without it.

You will probably be interested in looking at the mental map “How to register at your place of residence”, which explains in detail what documents you will need
Or HERE you will find out how to obtain a medical record
Registration of citizens for migration registration:

What services does the VHI program include?

Medical services included in VHI are different. Each migrant has the right to choose the desired volume.

But to obtain a patent, only a policy that necessarily includes first and emergency aid is suitable.

Standard program. — the cheapest policy, which migrant workers usually purchase, includes only basic risks.

It provides free emergency medical care in a hospital or outside a hospital.

Various injuries, exacerbation of appendicitis, an attack of pancreatitis - this is an approximate list of medical indications that are included in the standard program.

More expensive programs provide dental care and outpatient services.