One of the necessary documents allowing a foreigner to work on the territory of the Russian Federation is a policy of voluntary medical insurance (VHI). This condition is enshrined in the current legislation and is an integral part of obtaining a document (work permit) for employment and employment in Russia.
Help of medical workers to persons who are not citizens of Russia can only be provided with a VHI policy. At the same time, the entire range of medical services is paid for by the insurance company.
Please note that the CHI program applies to foreign citizens who permanently reside in the Russian Federation. For those who stay in Russia temporarily, the best solution is to issue a VHI policy. This will allow you to use all medical services and be sure that they are provided at a high level.
Our company will help you draw up this document taking into account all the requirements of the current legislation.
Our company offers its assistance in issuing VHI policies for foreign citizens of various categories that comply with the current legislation of Russia (fully meet the new requirements of the Federal Migration Service and the Bank of Russia: on special languages, with a hologram and a numbered barcode).
Registration of the document takes place as soon as possible.
3,500 rubles - insurance policy for 1 year for a patent;
1,300 rubles - VHI policy for 1 year for other categories of foreigners (suitable for employment of citizens from the countries of the Customs Union and issuing work permits for citizens of the Far Abroad);
When traveling abroad, the list of expenses must also include possible medical costs - after all, anything can happen on the road, especially with a sharp change in climate. In this case, medical insurance for traveling abroad can become a reliable guarantor for receiving timely and qualified assistance within the agreed amount. If your travel package already includes an insurance policy, you have the right to refuse it and conclude an agreement with another organization on terms favorable to you. But you should not completely refuse insurance - treatment abroad in the event of an insured event can be expensive.
Usually, insurance companies draw up contracts for tourists in two versions:
Different insurance programs may include different lists and the number of outpatient, dental, diagnostic services. The price of insurance and its coverage will depend on this. Before taking out travel insurance, you should study the list of restrictions.
Insurance benefits do not cover:
Each client who has entered into a contract is provided with information in the form of a reminder about what actions he must take in the event of an insured event. Medical insurance for travel abroad contains the contact details of the insurer. It is by these numbers (or other contacts) that the insured person is obliged to inform:
Citizens of the Russian Federation have the opportunity to take advantage of different types of medical insurance programs - compulsory (compulsory medical insurance) and voluntary (voluntary medical insurance). The first is provided by default, and the second is issued at the request of the policyholder or his employer. What is the difference between compulsory medical insurance and voluntary medical insurance?
Voluntary medical insurance (VHI) provides an insured person with the opportunity to independently choose the conditions of the insurance program and a list of certain medical institutions where services will be provided. This is a personal insurance that, at the request of the policyholder, can only cover certain risks or cover a wide range of services related to treatment, recovery and first aid.
If you want to take out such insurance, a citizen has the right to independently choose an insurance company and add only points of interest to him in the policy, for example, those related to chronic ailments. Payment for insurance is made from the personal funds of the policyholder.
Compulsory health insurance (MHI) is one of the social programs aimed at providing citizens with free medical and pharmaceutical care. It is provided at the expense of a medical institution and financed from the budget of state compulsory insurance funds.
The volume of services provided depends on the conditions of insurance and the specifics of the work of the clinic that provides medical assistance. Each region of the country has its own rules, which may differ in other regions of the federation, but every citizen of the Russian Federation has a basic package of services. This free insurance is given to everyone, without exception, and is paid from the federal budget through taxes and voluntary contributions.
Federal Law No. 152-FZ "On Personal Data" says that the details of the OMS and VHI policies are classified information. These are important documents that are provided at the request of a health worker, and he, in turn, is responsible for non-disclosure of confidential data.
the difference between Oms and DMS is presented in the following table:
Comparative characteristics of the two main types of insurance
Obligatory type of insurance for every citizen of the Russian Federation
It is carried out on a voluntary basis, the contract is concluded at the request of the policyholder
When contacting a medical institution for advice or help, we often face the fact that we have to pay for a certain part of medical services. Do not be surprised: the point is that there are 2 types of medical policies, which include different sets of medical services. What is the difference between VHI and OMI policies - read on.
Health insurance is provided by the state for the social protection of its citizens. The main purpose of insurance programs is to provide medical services if necessary, temporary material support for disabled working insured citizens. Basic medical care with a compulsory insurance policy is provided free of charge. A wider range of services is due to existing contracts with insurance companies that specialize in medical insurance.
Important! The right of citizens to receive medical care is enshrined in the Constitution of the Russian Federation (Article 41).
The range of services offered usually includes:
The medical insurance system is developing quite intensively. Today in Russia there is a mixed system of medical insurance for citizens:
There is another type of medical service called private medicine.
Along with the basic set of services, which includes mandatory measures to support the health of citizens, the proposals and expanded possibilities of the supplementary insurance policy are being actively developed. And if the compulsory medical insurance is guaranteed by the state for every citizen, then the voluntary medical insurance already has a wider package of services.
In other words, VHI is a type of personal insurance that allows you to receive medical care in medical institutions that are not included in the CHI system. This includes, as a rule, services in paid medical institutions. With a VHI policy, you can apply for expensive treatment, in particular, for the services of a dentist. Additional insurance provides a better level of medical care.
Review of proposals from TOP-5 insurance companies
Every citizen of Russia has in his hands a policy of compulsory medical insurance, which allows him to receive a minimum of medical services for free, mainly in state clinics. The quality of service raises a lot of complaints from people, especially in regions where hospitals and clinics have not been renovated for decades, and talented doctors tend to go to places where working conditions are better and work is valued higher. To rectify the situation, you can wait for the next health care reform, or you can use insurance services. Let us analyze what voluntary medical insurance is, how to obtain and use health insurance correctly, the pros and cons of voluntary insurance.
Voluntary medical insurance (voluntary medical insurance) is a special program developed by insurance organizations for legal entities and individuals, with the aim of providing medical services on special conditions.
Program financing scheme:
The main advantage of the VHI policy is the ability to receive medical services quickly and efficiently. Although the issue of quality is controversial. A lot of doctors work in public clinics and work part-time in private ones. In fact, if he is incompetent in his profession, then his professionalism is unlikely to increase for money. But politeness and quickness definitely appear when working conditions improve.
If a private person buys the policy for himself, his spouse, parents, children under 18, he is entitled to a social tax deduction in the amount of 120,000 rubles. in year. The refund will be no more than 15 600 rubles.
There are two possible ways to get a VHI policy:
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