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, approved on 14.06.2019

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	MIGRANT	EXPAT		EXPAT COMBI	CLEVER
Insurance coverage (rubles/year)	250 000	350 000		375 000	600 000
Insurance territory	Russian Federation	One region	Russian Federation	Russian Federation / Moscow	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
Ambulance
Dental care  (for acute toothache)
Inpatient care  (emergency hospitalization)
Repatriation of remains	-	240 000		240 000	240 000
Examination of the state of health  (physician, fluorography, blood tests: RW, HIV, hepatitis B and C)	-	-		25 000	30 000
Outpatient polyclinic care, medical advisory and diagnostic assistance on the territory of the insurance contract – Moscow	-	-		-	30 000
Accident insurance (cash compensation)	-	-		-	100 000
Insurance PREMIUM (rubles/year)	4 000	4 500	5 000	6 500	14 900
Description​	Validity of Insurance agreements for MIGRANT ,  EXPAT  and CLEVER  programs may vary. Insurance programs include providing of primary health care and specialized medical care in the emergency form. The policy complies with the requirements of the legislation of the RF and is applicable for obtaining a patent or work permit. For individuals from 60 to 69 years a surcharge rate of 1.5 will apply.

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	2 250 000
Insurance territory	Moscow & Moscow Region	Russian Federation	Moscow & Moscow Region	Russian Federation	Moscow & Moscow Region	Moscow & Moscow Region
Description of the program
Outpatient car (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	1 400 000
Medical examination with an Issuance of a High Scholl Form medical certificate or 086-у Form certificate (once during the period of validity of the insurance contract at the choice of the Insured) - Moscow	-		100 000		100 000	100 000
Outpatient polyclinic care, medical advisory and diagnostic assistance on the territory of the insurance contract – Moscow	-		-		50 000	150 000 (support in English is available, including English speaking doctors)
Accident insurance (cash compensation)	-		-		100 000	100 000
Insurance PREMIUM (руб./год)	4 000	5 000	6 500	7 500	12 000	49 500
Description	Insurance programs include providing of primary health care and specialized medical care in the emergency form. Validity of Insurance agreements for the UNIVER RF program may vary. The policy complies with the requirements of the legislation of the RF and recommendations of higher schools. 20% discount on VMI Insurance policies “Be healthy” (health examination).

VMI programs for children

• 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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