Medical insurance in Russia - a guarantee of assistance in the event of an insured event through the accumulation of contributions. Almost every citizen of the Russian Federation has a compulsory insurance policy today. Unprotected are foreigners who come to Russia to work or stay away. Such people can take out voluntary insurance at one of the many companies working in this direction.
Ingosstrakh
According to the Labor Code of the Russian Federation, all foreign citizens who work under an agreement in the country are required to issue a voluntary health insurance policy. Thus, both the employer and the employees get their advantages. Foreigners can be sure that they will be provided with quality emergency care in the event of an insured event. In addition, it is possible to get advice from qualified specialists in chronic diseases.
Many positive reviews can be heard about insurance programs for foreigners from Ingosstrakh. Health insurance in Russia can be issued by any adult resident providing an identity document. For a child it will be enough to present a birth certificate. The maximum insurance payment under Ingosstrakh VMI agreements is 1 million rubles.
Alfa Insurance
AlfaStrakhovanie's medical insurance for foreigners in Russia is offered in several directions at once. Particularly noteworthy is a product specifically designed for labor migrants. The insurance amount, as well as the premium, is determined individually and may depend on the age of the foreigner, his state of health, the type of activity that he carries out on the territory of the Russian Federation. On average, every month you have to pay about 1,000 rubles under a VHI agreement.
The cost of medical insurance in Russia is significantly different and depends on the chosen program. Of interest is a product called AlfaKLESCH, according to which the insured person is guaranteed high-quality medical care for a tick bite. The price of the policy will be only 300 rubles. In this case, the insurance payment may reach 50 thousand rubles.
The “Travel Medicine” program is also popular, providing for the protection of citizens as well as foreigners going on vacation. The cost of the policy is 500 rubles.
RESO-Garantia
A medical policy called “Dr. RESO” is popular. Both citizens of the Russian Federation and residents of other countries working in Russia can conclude an agreement with an insurance company. The basic program includes outpatient care, emergency medical care, as well as the provision of home services. For an additional fee, the policy can include a diagnostic program, payment for hospital stay in case of an emergency, and dental care.
Medical insurance in Russia is an opportunity to be sure of timely assistance in unusual situations. The cost of the policy for the basic program from RESO-Garantia is 20 thousand rubles per year. If desired, the contract can be extended.
Sogaz
The insurance company has existed on the market for more than 10 years, therefore it is popular with citizens of the Russian Federation, as well as foreigners. The advantage of cooperation with the organization is that everyone can independently choose the terms of the policy.VMI from Sogaz may include risks associated with injury, exacerbation of chronic diseases, and the occurrence of infectious diseases. The expenses are not covered if an insured person reveals HIV or if the injury was received while intoxicated.
How much does medical insurance cost in Russia? The price of a universal policy, including the main risks, will be 12 thousand rubles. There is an opportunity to insure not only an individual, but also members of his family. You can apply for medical care in accordance with the terms of the policy in case of temporary or permanent disability.
Renaissance Insurance
Those who are interested in medical insurance for traveling to Russia should pay attention to the programs that Renaissance Insurance offers. Reviews show that free services are included even in the simplest policy, which makes cooperation even more profitable. The program involving accident insurance is very popular. Buy a policy can both citizens of the Russian Federation, and visitors. The convenience is that you can conclude a contract in real time, and all the necessary documents will be sent by e-mail.
How does insurance work? If, as a result of an accident, the insured person is injured or incapable of work, he shall be paid indemnity under the contract. This is especially convenient for labor migrants whose rights in the territory of the Russian Federation are limited. The largest payments can be received by the client or his relatives in the event of disability or death. The customer selects the insurance amount independently in the range from 100 to 900 thousand rubles. Accordingly, the cost of the policy will also change.
Medical insurance in Russia from the company "VSK"
Interesting conditions are offered for Russian citizens as well as foreigners. Any person aged 18 to 70 years can purchase a policy. At the same time, the insurance rate will be higher for those who are already 46 years old. According to the contract, the client can be paid for diagnostic measures, therapist’s visit to the house when their health worsens, medical appointments in a clinic. In addition, visits to the dentist can be paid. In the case of choosing an additional program, emergency assistance may be paid in case of an accident.
The contract can be concluded for a year. In the future, if desired, it can be extended. The payment of the insurance premium depends on the chosen program; it is charged immediately upon conclusion of the transaction.
Belgosstrakh
Those who plan to work in Belarus need to pre-purchase a medical insurance policy. The Belgosstrakh company offers the most loyal conditions for foreign citizens. How to get a policy? Medical insurance in Belarus for citizens of Russia can be issued immediately at checkpoints.
The size of insurance premiums depends on the length of stay in the country. Those planning to stay in Belarus for a year will immediately have to pay 170 euros. For a weekly stay you will need to pay only 8 euros. Payment of the insurance premium is made at a time upon conclusion of the contract. Reviews show that when signing papers, you should pay attention to the date. A mistake can cause a considerable fine.