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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 persons without citizenship, approved by "LEXGARANT" Insurance Company LTD on the 23d of July 2018

VMI Programs

for adults

VMI Program description

Insurance sum (rubles per year)

Insurance premium (rubles per year)

Territory of validity

Special conditions

«MIGRANT»

  1. Primary health care and specialized medical care in the emergency form
  2. Dental care for acute dental pain
  3. Hospital

110 000

4 000

In one region of the Russian Federation

  1. For individuals from 18 to 59 years inclusive, from 60 to 70 years – factor 1,5
  2. The policy complies with the requirements of the Migration centers for obtaining patent or work permit

«MIGRANT RF»

4 500

Throughout the territory of the Russian Federation

«EXPAT»

  1. Primary health care and specialized medical care in the emergency form
  2. Dental care for acute dental pain
  3. Hospital 
  4. Repatriation of body remains

350 000

4 500

In one region of the Russian Federation

«EXPAT RF»

5 000

Throughout the territory of the Russian Federation

«UNIVER-М»

  1. Primary health care and specialized medical care in the emergency form
  2. Dental care for acute dental pain
  3. Hospital 
  4. General practitioner home visit 
  5. Repatriation of body remains

350 000

4 500

On the territory of Moscow and Moscow region

  1. For individuals from 18 to 59 years inclusive
  2. For individuals from 15 to 17 years inclusive 500 rubles premium increase
  3. The policy complies with the recommendations of Universities
  4. 20% discount for additional services: Medical conclusion on the state of health of a foreign citizen and other certificates

«UNIVER»

5 000

Throughout the territory of the Russian Federation

 

VMI programs for foreign citizens and persons without citizenship, approved by "LEXGARANT" Insurance Company LTD on the 23d of July 2018

VMI Programs

for children

VMI Program description

Insurance sum (rubles per year)

Insurance premium (rubles per year)

Territory of validity

Special conditions

«TEENAGER»

  1. Ambulance (once)
  2. Hospital (once)
  3. Injury care center (once)

100 000

5 000

Throughout the territory of the Russian Federation

  1. For individuals from 7 to 17 years inclusive
  2. The policy complies with the recommendations of Schools

«KID»

5 300
  1. For individuals from 3 to 6 years inclusive
  2. The policy complies with the recommendations of 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: 14:50:09 28.11.2018