Voluntary medical insurance for foreign citizens and stateless persons on the territory of the Russian Federation
KEY DOCUMENTS
Key information document – private medical insurance for foreign citizens and stateless persons
On January 1, 2015, new rules on compulsory health insurance for foreign citizens in the Russian Federation came into force.
Foreign citizens or stateless persons requiring a work permit to be able to work in the Russian Federation, must first obtain private medical insurance cover the entire period of a person’s employment in the Russian Federation.
You will need to provide evidence of cover before applying for your work permit or enroling at a school or university.
Your policy will cover the cost of seeking medical treatment of various kinds.
How to apply for a policy?
Select the insurance product that suits you from the list below. After selecting your preferred option, please send your request or enquiry to expat@lexgarant.ru with your choice.
We will also require a completed proposal form together with the applicable supporting documents.
Please also provide a contact number, if possible, and copies of the following documents:
- A copy your passport, with a translation, if possible;
- A copy of your Russian visa (if applicable);
- A copy of your Migration card;
- A copy of your Registration card (both sides).
If the proposed Policyholder is a Legal Entity, a documents containing brief information on the company.
Issuing a medical insurance policy takes 5 minutes.
You can visit us in our offices located at: 101000, Moscow, M. Zlatoustinsky lane 10, building 2.
You can also contact us by phone on +7 (495) 933-80-80 (Russian, English); or via email: expat@lexgarant.ru
We are open Monday to Friday, 10:00 am to 7:00 pm.
Medical insurance programmes for expats/ expat workers, approved on 02/06/2022
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EXPAT COMBI |
EXPAT ABC |
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Compulsory cover for obtaining a work permit |
Best value for money |
Extensive cover (including a medical check-up and medical certificates) |
Extensive cover including outpatient medical treatment (2 visits) |
Satisfies the requirements for an entry visa |
Maximum protection: outpatient treatment and personal accident cover |
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Sum insured |
250 000 ₽ |
350 000 ₽ |
375 000 ₽ |
600 000 ₽ |
32 000 EUR |
1 000 000 ₽ |
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Territorial scope |
Russian Federation |
Russian Federation |
Russian Federation / Moscow |
Russian Federation / Moscow / St. Petersburg |
Russian Federation |
Russian Federation / Moscow |
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Outpatient care (in the event of sudden pain, personal accident, sudden injury, poisoning and other conditions requiring immediate medical intervention) |
250 000 ₽ |
110 000 ₽ |
110 000 ₽ |
200 000 ₽ |
30 000 EUR including emergency dental care, subject to a sublimit of 100 EUR |
900 000 ₽ including emergency hospitalisation subject to a sublimit of 100,000 RUR; repatriation of human remains subject to a sublimit of 250 000 RUR. |
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Emergency medical care |
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Dental care (in the event of strong sudden toothache) |
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Hospitalisation (specialist emergency medical help / inpatient medical care) |
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Home visit by a doctor at the registered address of the patien |
- |
- |
- |
- |
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Repatriation of human remains |
- |
240 000 ₽ |
240 000 ₽ |
240 000 ₽ |
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Health check tests: fluorography, blood tests to detect syphilis, type B and C hepatitis, HIV (once per policy term) |
- |
- |
25 000 ₽ |
30 000 ₽ |
2 000 EUR | |||
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PCR test for SARS-CoV-2) (once per policy term and performed at a clinic) |
- | - | - | - | ||||
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Outpatient care, medical consultations at clinics/ with practitioners based within the geographical limits of the policy |
- |
- |
- |
30 000 ₽ |
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Personal accident cover (monetary compensation) |
- |
- |
- |
100 000 ₽ |
- |
100 000 ₽ |
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Premium (RUB per year) |
4 000 ₽ |
5 000 ₽ |
6 500 ₽ |
14 900 ₽ |
24 000 ₽ |
49 000 ₽ |
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Further details: |
For individuals over 59 years of age, a multiplier of between 2 and 4 is applied to the insurance premium. |
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Medical insurance programmes for international students, approved on 09/09/2024
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UNIVER COMBI Higher School of Economics |
UNIVER SMART |
Moscow State University |
for First Medical University (Sechenov University) |
for obtaining a tourist visa and/or student visa |
UNIVER PRO |
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Insurance coverage (rubles/year) Sum insured |
1 000 000 ₽ |
1 100 000 ₽ |
1 250 000 ₽ |
2 500 000 ₽ |
2 650 000 ₽ |
32 000 ₽ |
1 400 000 ₽ |
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Outpatient care (outpatient care in the event of sudden illness, accidents, sudden injuries, poisonings and other acute conditions) |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
30 000 EUR (including: emergency dental care within the limit of 100 €) |
100 000 ₽ |
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Home visit by a doctor at the patient’s registered address |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
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Emergency outpatient care provided by paramedics |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
250 000 ₽ |
100 000 ₽ |
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Emergency dental care: |
50 000 ₽ |
50 000 ₽ |
50 000 ₽ |
50 000 ₽ |
50 000 ₽ |
50 000 ₽ |
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Emergency hospitalisation |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
150 000 ₽ |
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| Medical repatriation |
- |
- |
- |
500 000 ₽ |
500 000 ₽ |
- |
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Repatriation of remains |
550 000 ₽ |
550 000 ₽ |
550 000 ₽ |
1 300 000 ₽ |
1 300 000 ₽ |
550 000 ₽ |
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A health check assessment by a GP, fluorography, HIV and Hepatitis B screening) |
- |
100 000 ₽ 2 check-ups, for dormitory & sport activities |
67 000 ₽ |
- |
- |
- |
67 000 ₽ |
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Health checks with Results confirmed by an official written report: assessment by a GP, neurologist, ENT specialist, optician, surgeon; tests such as: fluorography, HIV, hepatitis B screening |
- |
- |
- |
- |
- |
- |
- |
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| Check-up (medical examination) in the University clinic | - | - | - |
167 000 ₽ |
250 000 ₽ |
2 000 EUR | - | ||
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PCR test CORONAVIRUS COVID-19 (SARS-CoV-2) |
- |
- |
33 000 ₽ |
33 000 ₽ |
- |
33 000 ₽ |
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Outpatient care, seeing a consultant or a GP, tests |
- |
- |
50 000 ₽ (2 appointments with consultants) |
50 000 ₽ (2 GP visits/ 2 consultations with an infectious diseases specialist in the event of an outbreak of a pandemic) |
- |
- |
150 000 ₽ (unlimited in the clinics of «ABC-medicina» in Moscow, some English-speaking specialists available ) |
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Personal accident insurance (cash compensation) |
- |
- |
100 000 ₽ |
- |
- |
- |
100 000 ₽ |
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Insurance PREMIUM 12 months Russian Federation |
5 000 ₽
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7 000 ₽
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12 000 ₽
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12 500 ₽
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24 000 ₽
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49 000 ₽
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Insurance PREMIUM 12 months Moscow & Moscow Region |
4 000 ₽
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6 000 ₽
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14 500 ₽
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Insurance PREMIUM 6 months Russian Federation |
3 500 ₽
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4 900 ₽
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8 750 ₽
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- |
18 400 ₽
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Insurance PREMIUM 6 months Moscow & Moscow Region |
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Further Details |
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Medical insurance programmes for children (foreign citizens), approved on 16/12/2021
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TEENAGER (from 7 to 17 yrs) |
KID (from 3 to 6 yrs) |
BABY (from 1 to 2 yrs) |
TEENAGER ABC (from 7 to 17 yrs) |
KID ABC (from 3 to 6 yrs) |
BABY ABC (from 1 to 2 yrs) |
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Insurance coverage (rubles/year) |
100 000 ₽ |
300 000 ₽ |
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Geographical scope |
Russian Federation |
Russian Federation / Moscow |
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Description of the programme |
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Emergency care (once per policy term) |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
100 000 ₽ |
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Inpatient care (emergency hospitalization once per policy term) |
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Care in the event of a physical injury (once per policy term) |
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Outpatient care including the provision of care at your home (within the Moscow Ring Road) and dental care |
- | - | - |
200 000 ₽ |
200 000 ₽ |
200 000 ₽ |
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Insurance PREMIUM (rubles/year) |
7 000 ₽ |
8 500 ₽ |
10 000 ₽ |
48 800 ₽ |
61 500 ₽ |
72 500 ₽ |
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Further details |
The policy complies with the requirements of the legislation of the Russian Federation and the recommendations of schools, preparatory schools, kindergartens and nurseries. |
The insurance programme is developed in conjunction with the network of clinics "ABC-MEDICINA" |
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All our insurance policies comply with the requirements of the regulations issued by the Central Bank of the Russian Federation on September 13, 2015 (Regulation No. 3793-"About the minimum requirements surrounding the terms and the provision of voluntary medical insurance for foreign citizens and individuals without citizenship staying in the territory of the Russian Federation for the purposes of their work".
Please note that the policies issued under the «EXPAT GREEN» and «UNIVER GREEN» insurance programmes meet the requirements of Consulates and visa centers (the insurance amount must be at least 30,000 c.u.) and can be provided for obtaining an entry visa to Russia.
Starting from May 01, 2016 a foreign citizen working on the territory of the Russian Federation must hold a voluntary medical insurance and the minimum sum insured must be at least 100 000 Roubles. Non-compliance with these requirements is a breach of the law leading to a possible fine of up to 7,000 Roubles. A foreigner who commits 2 or more breaches of the law on the territory of the Russian Federation within a one-year period, may face a ban on entering Russia for a period of between 3 and 10 years.
The employer may purchase a voluntary health insurance plan for his employee. Buying voluntary health insurance for foreign employees, including highly skilled migrants, entitles the employer to a number of tax benefits. Employers do not have the right to hire foreign employees who do not have voluntary health insurance.
General advice
Please study carefully the policy terms and exclusions. Typical exclusions exclude from treatment conditions such as diabetes, infertility, chronic conditions (unless there is a flare up), cancer, birth defects, genetic disorders, HIV, COVID-19, etc.
Exclusions applicable to your particular policy are to be found in the terms and conditions of your individual policy. The terms of your policy can be consulted online.
Procedure in the event of a claim
In the event of life-threatening health conditions dial emergency services on “03”, “103” or “112” and ask for an ambulance.
To get medical help in all other cases (e.g. an appointment with a consultant, a medical check-up or an application for a medical certificate) as a first step
send an email to dms@lexgarant.ru with your policy number. Please give a brief description of your circumstances, request or problem and leave your contact details which Lexgarant can use in order to reach you.
You can get medical assistance from consultants and hospitals forming part of LEXGARANT’s network of medical institutions and professionals after getting Lexgarant’s official approval (which may be in a letter format) which you must obtain before the visit.
Before the appointment with the medical professional make sure that:
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(a) You have on you:
- your passport / ID;
- your medical insurance policy; and
(b) You arrive 15 minutes before the scheduled time of the appointment in order to be able to fill in a medical questionnaire so that your own personal file can be created by the medical institution.
After the appointment:
If the doctor at the appointment has prescribed you tests and/or a course of treatment, please send all the details to dms@lexgarant.ru to clarify which of the prescribed tests and treatments are included in your insurance programme.Good health!
dms@lexgarant.ru
WhatsApp/Viber/Telegram + 7 (903) 508-4627