Medical insurance for traveling abroad

What is VHI: how to get and properly use non-state health insurance



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).

  • How long to wait?

Registration of the document takes place as soon as possible.

  • What is the cost of the service?

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.

Types of travel medical insurance

Usually, insurance companies draw up contracts for tourists in two versions:

  • Option "A". This includes emergency medical care in the event of a sudden illness or accident, as well as payment for telephone calls with the insurer, transportation, evacuation, repatriation;
  • Option "B". In addition to the services in option "A", the list includes the early return of children who are traveling with the insured person (in case of emergency), as well as the provision of legal assistance.

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.

What are the limitations

Insurance benefits do not cover:

  • costs of treating diseases if they are not necessary;
  • dental services (excluding acute pain relief);
  • costs of elimination of alcohol or drug poisoning, the consequences of such conditions;
  • the sums spent on abortions, plastic surgery, alternative medicine, injuries when attempting suicide;
  • the costs of treating the consequences of force majeure ( natural disasters, military conflicts, etc.).

How is the payment of an insured event happening

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:

  • your name and surname;
  • policy number and expiration date;
  • reason for contact;
  • your contacts.

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?

What is CHI and VHI

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.

What is the difference between CHI and VHI in the table

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.

Medical insurance and its types

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:

  • ambulance services;
  • preventive measures;
  • medical and sanitary measures;
  • outpatient and inpatient treatment ;
  • compulsory vaccination;
  • receiving expensive treatment in the context of federal programs;
  • medical care in the presence of congenital anomalies;
  • other assistance.

The medical insurance system is developing quite intensively. Today in Russia there is a mixed system of medical insurance for citizens:

  • compulsory health insurance (MHI;
  • voluntary health insurance (VHI).

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.

Features 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.

  • An insurer is a company that has an appropriate license, concludes an insurance contract with an organization or an individual and an agreement with medical institutions for the provision of services.
  • The policyholder is a legal or natural person in whose name the insurance contract is drawn up.
  • Insured person - a company or individual, including a foreign citizen, who uses medical services under the VHI policy. Often, an insured-legal entity draws up a VHI contract for its employees, who will be considered insured program participants.
  • A medical institution is an organization that is licensed and enters into an agreement with an insurance company to service its clients under a VHI policy.

Program financing scheme:

  • An individual or legal entity enters into a contract with an insurance company. The latter should receive complete information about the health status of the future insured client. For this purpose, it is required to fill out a questionnaire or undergo a medical examination. It is better to exclude the misleading of the insurer immediately. The fraud is easily revealed, and the client may lose the policy and money
  • The policyholder pays the insurance premium once or regularly throughout the year under the contract. Money is also received from other clients, so the insurer forms a monetary fund, from which medical services are then paid for to sick clients. If during the year the insured person did not fall ill, then he is not entitled to any refund, other clients were treated at his expense.
  • The insurer enters into an agreement on the provision of services with selected medical organizations. It can be one or several clinics, so even before signing the contract, you should familiarize yourself with the list and read reviews on the forums about the doctors working there. The insurance company will not reimburse the costs of treatment in other medical institutions.
  • In the event of an insured event, the insurer pays the cost of the services provided to the insured person, if they are stipulated by the contract. For example, in some places dental care is included in the list of mandatory services under a contract, in others it is not. You need to carefully read the terms and conditions before signing the documents. In most cases, the client can choose additional services that will be included in the contract.

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.

Criteria for choosing an insurer

There are two possible ways to get a VHI policy:

  • With your employer, if he gives such an opportunity. The service is not always available immediately upon employment. It must be earned, so many companies issue insurance after several months of work.
  • Buy a policy yourself. To do this, you need to choose an insurer and submit an application. Many companies offer to do this online. The websites have calculators that will help you determine the approximate cost of the policy.

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