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Voluntary medical insurance for foreign citizens (VMI)

RULES
OF VOLUNTARY MEDICAL INSURANCE FOR FOREIGN CITIZENS AND STATELESS PERSONS ON THE TERRITORY OF RUSSIAN FEDERATION WITH A VIEW TO THE EMPLOYMENT, AS WELL AS FOREIGN CITIZENS AND STATELESS PERSONS WHO ARE FAMILY MEMBERS OF SAID PERSONS

Starting from January 01, 2015 the Law on compulsory medical insurance for foreign citizens and the family members staying in the Russian Federation entered into force. The new rules require foreign nationals to obtain the voluntary medical insurance policy for registration of a patent or work permit. The validity period of medical insurance policy VMI should not be less than the period of validity of the patent or work permit.

  1. To apply for a patent or a work permit
  2. To provide documents to the University or school
  3. To compensate for the treatment costs within the sum insured

How to make a policy?

  1. Choose a proper insurance Program from the existing ones below
  2. Send a request by e-mail: expat@lexgarant.ru with the name of the Program
  3. Your phone number and the scanned/photos of the following documents should be attached to the email letter:
    • Passport
    • Translation of passport (if available)
    • Russian visa (if available)
    • Migration card
    • Registration form (both sides)
  4. If the Policyholder is a Legal entity, the requisites of a company should be mentioned.

To get a policy of voluntary medical insurance policy will take you less than 5 minutes:

101000, Moscow, Maly Zlatoustinskiy pereulok 10, building 2

+ 7 (495) 933-80-80 (Russian, English)

expat@lexgarant.ru

Monday-Friday from 10:00 to 19:00

 

 

 

 

VMI programs for foreign citizens and stateless persons, approved on 03.02.2020

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MIGRANT

EXPAT

EXPAT COMBI

CLEVER

EXPAT ABC

Insurance coverage (rubles/year)

250 000

350 000

375 000

600 000

1 000 000

Insurance territory

Russian Federation

Russian Federation

Russian Federation / Moscow

Russian Federation / Moscow / St. Petersburg

Russian Federation / Moscow

Description of the program

Outpatient care  (in case of sudden acute illnesses, accidents, injuries, poisonings and other emergency conditions)

250 000

110 000

110 000 200 000

900 000

(including: emergency hospitalization within the limit of 100 000 rubles, repatriation of the remains within the limit of 250 000 rubles)

Ambulance

Dental care  (for acute toothache)

Inpatient care (emergency hospitalization)

Home doctor visit at the place of registration

-

-

- -

Repatriation of remains

-

240 000

240 000 240 000

Medical examination: digital fluorography, blood test for syphilis, hepatitis B and C, HIV (once during the period of validity of the insurance agreement in Moscow)

-

-

25 000 30 000

Outpatient polyclinic care, medical advisory and diagnostic assistance on the territory of the insurance agreement – Moscow

-

-

- 30 000

Accident insurance (cash compensation)

-

-

- 100 000 100 000

Insurance PREMIUM (rubles/year)

4 000

5 000

6 500

14 900

37 500

Description

  1. Validity of Insurance agreements for MIGRANT EXPAT  and CLEVER  programs may vary.
  2. Insurance programs include providing of primary health care and specialized medical care in the emergency form.
  3. The policy complies with the requirements of the legislation of the RF and is applicable for obtaining a patent or work permit.
  4. For individuals from 60 to 69 years a surcharge rate of 1.5 will apply.

For EXPAT ABC: from 60 to 65 years old an increasing coefficient of 2, from 66 a coefficient of 2.5.

 

Medical insurance programs for international students, ​approved on 09.07.2019

 

UNIVER

UNIVER COMBI

UNIVER SMART

UNIVER PRO

Insurance coverage (rubles/year)

1 000 000

1 100 000

1 250 000

1 400 000

Insurance territory

Moscow & Moscow Region

Russian Federation

Moscow & Moscow Region

Russian Federation

Russian Federation / Moscow / St. Petersburg

Russian Federation / Moscow

Description of the program

Outpatient care (in case of sudden acute illnesses, accidents, injuries, poisonings and other emergency conditions)

100 000

100 000

100 000

100 000

Home doctor visit at the place of registration

100 000

100 000

100 000

100 000

Ambulance

100 000

100 000

100 000

100 000

Dental care (for acute toothache)

50 000

50 000

50 000

50 000

Inpatient care (emergency hospitalization)

100 000

100 000

100 000

150 000

Repatriation of remains

550 000

550 000

550 000

550 000

Health check and a medical certificate: therapist, fluorography, blood tests for HIV, hepatitis B
(once during the term of the insurance contract)

                     

-

100 000

100 000

100 000

Outpatient polyclinic care, medical advisory and diagnostic assistance

-

-

50 000

(2 regular visits to medical specialists)

150 000

(unlimited in clinics «ABC-medicina» in Moscow, English-speaking doctors of some specialties are available)

Accident insurance (cash compensation)

-

-

100 000

100 000

Insurance PREMIUM (руб./год)

4 000

5 000

6 500

7 500

12 000

35 700

Description

  1. Insurance programs include providing of primary health care and specialized medical care in the emergency form.
  2. Validity of Insurance agreements for the UNIVER RF program may vary.
  3. The policy complies with the requirements of the legislation of the RF and recommendations of higher schools.
  4. VMI Insurance policies «BE HEALTHY» (health examination, tests) and SPORT certificate.

 

VMI programs for children (foreign citizens), approved on 31.03.2020

 

TEENAGER

(from 7 to 18 yrs)

KID

(from 3 to 7 yrs)

BABY

(from 1 to 3 yrs)

TEENAGER ABC

(from 7 to 18 yrs)

KID ABC

(from 3 to 7 yrs)

BABY ABC

(from 1 to 3 yrs)

Insurance coverage (rubles/year)

100 000

300 000

Insurance territory

Russian Federation

Russian Federation / Moscow

Description of the program

Ambulance 

(once per the insurance period)

100 000

100 000

100 000

100 000

100 000

100 000

Inpatient care 

(emergency hospitalization once per insurance period )

Injury care 

(once per insurance period)

Outpatient polyclinic care with home support

(within the Moscow ring road) and dental care

- - -

200 000

200 000

200 000

Insurance PREMIUM (rubles/year)

7 000

8 500

10 000

41 200

52 500

61 800

Note

The policy complies with the requirements of the legislation of the Russian Federation and recommendations of schools and preschools

The insurance program is developed in conjunction with a network of clinics "ABC-MEDICINA"

 

  • Insurance policies comply with the requirements of Instructions of Bank of Russia from September 13, 2015 No. 3793-"About the minimum (standard) requirements to conditions and procedure for implementation of medical insurance in terms of voluntary medical insurance for foreign citizens and individuals without citizenship located on the territory of the Russian Federation with a view to their implementation of employment ".
  • Voluntary medical insurance policy for foreign citizens does not meet the visa requirements and may NOT be submitted for entry visa to Russia, because the amount of coverage is less than 30 000 currency units.
  • Starting from May 01, 2016 both the absence of voluntary medical insurance policy for foreign citizens and a policy with insurance amount less than 100 000 rubles, are considered an administrative offence (a fine of up to 7,000 rubles). According to article 18.8 of the administrative code: If a foreign citizen for 1 year will have 2 or more administrative offenses, he can put a ban on entering Russia for a period of 3 to 10 years.
  • The employer - legal entity may issue a supplementary health insurance for his employee and to pay by bank transfer. Buying supplementary health insurance for foreign employees, including HQs (highly qualified employees), will allow you to receive tax benefits. Health insurance is one of the most important documents. Employers do not have the right to hire employees who do not have health insurance.

MEMO FOR THE INSURED upon occurrence of the insurance event

Upon occurrence of the insurance case the Insured holding the VMI insurance policy gets medical assistance in medical institutions-partners of the LEXGARANT Insurance Company.
The Insured can visit a medical institution only with a note (guarantee letter) from the LEXGARANT Insurance Company.

Please pay your attention: there are certain exceptions in VMI programs. For example, some diseases: diabetes, infertility, chronic diseases without exacerbation, oncological diseases, constellation of birth defects, hereditary or genetic illnesses, HIV, coronavirus infection, etc. 
Please find detailed information in your personal VMI program on the website of the insurance company.

In case of life-threatening health conditions:
immediately call for the ambulance dialing the phones “03”, “103” or “112”.

To get a medical assistance, arrange a doctor appointment or to make a check-up for a health certificate:
Send an email to dms@lexgarant.ru mentioning your VMI policy number, detailed description of your request/problem and telephone number.

Before the appointment:
Make sure you have with you:

  • - passport / ID;
  • - VMI policy.

Should arrive to the medical institution 15 minutes before the scheduled time to fill out a medical file.

After the appointment:
If the doctor at the appointment has prescribed you examinations, procedures, tests, manipulations, send a request to dms@lexgarant.ru to clarify which of the prescribed is included in your VMI Program.

Be healthy!

dms@lexgarant.ru
WhatsApp/Viber/Telegram + 7 (903) 508-4627
https://www.facebook.com/Lexgarant/

 

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Modified: 16:02:51 11.08.2020