To visit Russia, foreigners need to have a VHI policy, as this document confirms the legal stay in the country. The Law on Migrant Insurance indicates that all arrivals must register it on the first day. Moreover, the purpose of the visit does not affect this - an excursion or work. The document must have the period for which the foreign citizen arrived.
What insurance provides
Migrant insurance allows you to get a document that confirms the right to be in the country. The policy allows you to contact a medical organization for free help. The list of services provided by the document is determined by the insured amount.
Earlier insurance amount was up to 30,000 rubles in VHI, the cost of the policy was 500 rubles. Since 2016, there have been changes in insurance for foreigners. Innovations relate to cost, as new rules and minimum restrictions on VHI have been approved. The cost of the policy is higher, since the insurance amount increases to 100,000 rubles.
By insurance policy a foreign citizen receives timely and high-quality medical care if harm has been done to life and health. Such institutions should be part of approved organizations that work under the insurance program.
The insurance company monitors the quality of service for its client. If a conflict occurs between the parties, the company eliminates it. VHI policy includes the following expenses:
- transportation to the hospital;
- drug delivery;
- the provision of medical care;
- emergency services;
- dental services.
A responsibility
The Insurance Act indicates that if there is no policy, you will have to pay a fine. It is regarded in an administrative offense. The fine can be in the amount of 2000-7000 rubles, it all depends on the region. If 2 or more offenses are committed, then a foreigner is prohibited from entering the country.
Basics of legislation
The law spells out the basic rules that govern the insurance of migrants. He testifies that without a policy a foreigner is forbidden to be in the country. When its absence is revealed, a fine is provided.
An exception is a visit to the country by members of diplomatic missions and consular posts. This also applies to employees of international organizations, their families.
Required documents
For voluntary insurance of migrants to be issued, the following documents must be provided:
- copy of passport;
- copy of the migration card.
Instead of a passport, another identification document will do. The price of the policy can be obtained from insurance companies that provide similar services. They work according to legal norms, but the cost may vary slightly everywhere.
Where to get
To take out insurance for migrants, a foreigner needs to visit one of the companies where such services are provided. Now they work a lot. Everywhere conditions, amounts, principles of cooperation may differ.
The choice of insurance companies is very large. In each region there are many such organizations. It is enough to choose a suitable company with favorable conditions.
Migrant insurance is carried out in the following companies:
- Rosgosstrakh: the company provides first-aid, emergency and highly specialized assistance.
- Rosno: if necessary, a person can use different types of treatment, including home treatment.
- "Reso-Guarantee": the firm's program provides for the provision of various types of assistance in the municipal medical organization.
The price of the policy and more detailed program conditions can be found on the official sites. It presents a lot of interesting information for customers.
Who pays for VHI
An insurance policy is needed upon entry into the country, therefore, payment for its receipt is charged from foreigners. It can be purchased by a citizen himself when visiting the country, or by the employer, if this was agreed.
Many foreign citizens come to Russia to work. Because of this, employers pay them a policy. In any case, a timely document received will serve as confirmation of a legal stay in the country.
