Home Insurance Company

VMI (Voluntary Medical Insurance) for foreign citizens and stateless persons on the territory of RF

 

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.

Why do I need a policy?

  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

What to do when the insured event happens?

  1. Call the service company "Express Assist Center" hotline 24/7 + 7 (495) 539-30-71.
    Operators speak 5 languages – English, Italian, German, French, Spanish.
  2. Give your name and/or policy number
  3. The operator will arrange medical help promptly.

VMI programs for foreign citizens and stateless persons

 

MIGRANT

EXPAT

COMBI

CLEVER

Insurance coverage (rubles/year)

110 000

350 000

383 000

543 000

Insurance territory

One region

Russian Federation

One region

Russian Federation

Russian Federation/Moscow

Russian Federation/Moscow

Outpatient care

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

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Ambulance

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Dental care

(for acute toothache)

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Inpatient care

(emergency hospitalization)

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Repatriation of remains

 

 

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Examination of the state of health

(physician, fluorography, blood tests: RW, HIV, hepatitis B and C)

 

 

 

 

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Outpatient polyclinic care, medical advisory and diagnostic assistance

(physician, gastroenterologist, gynecologist, breast specialist, neuropathologist, dermatologist, cardiologist, otolaryngologist, ophthalmologist, urologist, surgeon, endocrinologist)

 

 

 

 

 

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Accident insurance

(cash compensation)

 

 

 

 

 

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Insurance PREMIUM (rubles/year)

4 000

4 500

4 500

5 000

7 500

14 900

Description​

  1. Validity of Insurance agreements for MIGRANT and EXPAT 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 over 60 years a surcharge rate of 1.5 will apply.
  5. 20% discount on VMI Insurance policies “Be healthy” (health examination).

 

VMI programs for foreign students​

 

UNIVER

UNIVER COMBI

CLEVER

Insurance coverage (rubles/year)

350 000

383 000

543 000

Insurance territory

Russian Federation
(6 months)

Russian Federation
(1 year)

Moscow & Moscow Region

Russian Federation/Moscow

Outpatient care

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

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Home doctor visit at the place of registration

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Ambulance

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Dental care

(for acute toothache)

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Inpatient care

(emergency hospitalization)

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Repatriation of remains

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Examination of the state of health

(physician, fluorography, blood tests: RW, HIV, hepatitis B and C)

                     

 

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Outpatient polyclinic care, medical advisory and diagnostic assistance

(physician, gastroenterologist, gynecologist, breast specialist, neuropathologist, dermatologist, cardiologist, otolaryngologist, ophthalmologist, urologist, surgeon, endocrinologist)

 

 

 

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Accident insurance (cash compensation)

 

 

 

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Insurance PREMIUM (rubles/year)

4 000

5 000

7 200

14 900

Description

  1. Insurance programs include providing of primary health care and specialized medical care in the emergency form.
  2. The policy complies with the requirements of the legislation of the RF and recommendations of higher schools.
  3. For individuals from 15 to 17 years inclusive a surcharge rate of 1.5 will apply.
  4. 20% discount on VMI Insurance policies “Be healthy” (health examination).

 

VMI programs for children

 

TEENAGER

(children from 7 to 17 years)

KID

(children from 3 to 6 years)

Insurance coverage (rubles/year)

100 000

Insurance territory

Russian Federation

Ambulance

(once per the insurance period)

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Inpatient care

(emergency hospitalization once per insurance period )

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Injury care

(once per insurance period)

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Insurance PREMIUM (rubles/year)

5 000

5 300

Insurance PREMIUM (rubles/3 year)

15 000

15 900

Description

The policy complies with the requirements of the legislation of the RF and recommendations of schools and preschools.

 

  • 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.

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Modified: 16:49:01 18.03.2019