Russia has a program of compulsory medical insurance (CMI), which grants the right to receive the free assistance of citizens and non-residents.The policy is issued to all the employed persons in enterprises.But this applies only to persons residing temporarily or permanently in the territory of the Russian Federation.In all other cases will have to buy medical insurance policy for foreign nationals (LCA).More details on the terms of this program, read on in the article.
few words about the MLA
policy is issued to foreigners only if they are officially employed in domestic enterprises.The employer enters into a contract with an insurance company and the city MHIF.The policy to limit the term of the employment contract.To document the citizen should contact the Human Resources Department and write a statement.Unemployed foreigners with a residence permit can also obtain MHI policy, but through an insurance company (IC).Children under one year and pregnant women receive medical care without the policy.This also applies to the "fast" and "ambulance".In case of loss of the document, you can get a duplicate or through the personnel department or the UK.To gain a foothold for a particular clinic, you need to write a statement to the local health department.It is attached a copy of the passport and policy.Unemployed persons can use the services of paid medical assistance or arrange medical insurance policy for foreign nationals.
for whom a program
Use LCA foreigners may temporarily or permanently in the territory of the Russian Federation.At the same time under the law, employed citizens are required to purchase a policy not only for themselves but also for all family members.Without this document, issue an employment contract or residence permit can not be qualified.
medical insurance policy for foreigners
for documents should apply to the UK and select one of the two service programs:
- Specialized - providing narrowly focused services.
- Obschenapravlennuyu in which treatment provides physician.
Voluntary medical insurance for foreigners in Moscow is far from all the institutions.The choice affects the location of the place of residence and clinic.
It should be noted immediately that the document becomes effective only after 5-7 days after the registration.Therefore, if a person was in the hospital without the policy, all the costs he would have to compensate themselves.Check the document can not be backdated.Pregnant women are better to buy the policy at the highest price.It will cover not only the disease, trauma, dental, diagnostic procedures, but also the possible complications during childbirth.Note that pregnancy is not a disease, so insurance is not included.Sami birth in the territory of the Russian Federation free of charge.
algorithm
LCA program applies to those aged 18 to 60 years.The policy can be purchased for a period of 3 to 12 months.Migrants are not served in the district hospital.In the event of sickness a person turns to the UK, which sends it to the clinic, which signed a cooperation agreement.If a person experiences severe pain, call "ambulance."This team caters to foreigners for free.This is how voluntary health insurance for foreign nationals.The law, which came into force in January 2015, ordered all persons arriving in the Russian Federation for the purpose of employment, to purchase VHI.
How many have to pay
cost depends on the range of services.For registration you need to provide proof of identity.According to statistics, policy of voluntary health insurance for foreigners is 1.5-2 times higher than for residents.This is due to the fact that most of the guests of the country do not know the Russian language.They have to apply to the specialized agencies, where multilingual staff.
basic package includes receiving outpatient, inpatient medical services in emergency situations.Starting price - 1.3 thousand rubles.This is three times cheaper than previously voiced by the local authorities.It was originally planned that the voluntary medical insurance for foreign citizens, pensioners will allow participants not only to get a consultation at the clinic, but also to take sick leave, to do an x-ray, ultrasound, ECG, contact your dentist.But at this price, the minimum coverage.
Even at the maximum value, it does not apply to cancer, sexually transmitted diseases, tuberculosis, mental disorders, hepatitis and diabetes type I and II.The most expensive packages allow to receive physiotherapy, hospital, prescription drugs, MRI, ECG, RVG, REG, and other types of diagnostics.
Where to buy policy
This product is offered in such IC: "Max," "Reso", "VTB Insurance", "Rosgosstrakh" and others. Coverage - 100 thous. Rubles.The basic package includes outpatient and inpatient care in an emergency (aggravation of existing diseases, the presence of acute pain).Help in childbirth, routine care and other services can be included in the medical insurance policy for foreign nationals for a fee.Package price varies from 1.3 to 5.5 thousand. Rubles, depending on the period and the region.
Visitors may buy insurance in migrant holding centers.So already received 1.3 thousand. Foreign citizens.Because the capital budget in 2015-2017 years on medical care for patients are not identified will be allocated 5.3 billion rubles.Expenses will be paid back after a gain of 1.6 million migrants VHI at an average price of 3.3 thousand. Rub.Legally employed in the capital - 400 ths. People.
Statistics
Most often migrant women seek help in the treatment of gynecological diseases, men - problems with the gastrointestinal tract.Slightly less recorded complaints of dental pain and infectious diseases.Experts say that voluntary health insurance for foreigners contributes to reducing the risk of serious infections.Now visitors are turning to clinics only in acute pain.Emergency care doctors provide.But to treat without the policy does not have the right.After the introduction of legislative changes will be migrants increasingly turn to doctors.This will prevent the emergence of serious diseases.Climate change, a change in living conditions can exacerbate mental disorders, tuberculosis, syphilis.Now, doctors can not only take a sharp pain, but also to conduct a survey to identify the signs of serious illness at an early stage.
Not all experts consider legislative changes justified.Some claim that the LCA introduce mandatory for foreigners is not necessary.Migrants accustomed to be served in private medicine.They are treated either with friends, fellow doctors or hospitals, but only when absolutely necessary.Non-residents have to pay for the patent (4 th. Rubles), the examination in Russian (4.5 thousand. Rub.), And now for the policy.
Conclusion
Voluntary medical insurance for foreigners "Reso" from 2015 is a prerequisite for employment and residence permit in the Russian Federation.The cost of the policy varies depending on the region and a set of services.The basic package for 1.3 thousand. Rub.It allows you to receive outpatient and inpatient services.In case of emergency "fast" and "ambulance" to assist all those in need, but further treatment - paid.
