The legislation of the Russian Federation in force as of 2016 regulates the duty of all foreign citizens incl. From the CIS who stay on the territory of the Russian Federation to draw up the policy of DMS insurance. Thus, having an official permission for temporary or permanent accommodation in the Russian Federation - foreigners can use those advantages that guarantees the OMS program. In the absence of the policy, the receipt of medical services by foreign citizens who are in the territory of the Russian Federation, within the framework of the OMS system is impossible.
Legal regulation of DMS for foreigners
The Voluntary Medical Insurance Policy (DMS) for Foreign Citizens is one of the documents that from January 1, 2015 should be mandatory to be a decorated foreign citizen upon arrival in the territory of the Russian Federation for work, tourism, treatment, etc. According to Art. 13, art. 13.2, Art. 13.5 FZ No. 115 "On the legal status of foreign citizens in the Russian Federation" dated 2002:
"Foreign citizens who arrived in the Russian Federation should have an agreement operating on the territory of the Russian Federation (policy) of medical insurance or should be eligible on the basis of the relevant contract concluded by the employer with a medical organization to receive primary health care and specialized medical care."
Simultaneously with this p.5. Article 27 of the Federal Law No. 114 of August 15, 1996 No. 114 "On the procedure for departure from the Russian Federation and entry into the Russian Federation" - a legislative act, which regulates the procedure for the entry of foreigners to the territory of the country, says:
"To enter into the Russian Federation to a foreign citizen or stateless person is not permitted if a foreign citizen or stateless person did not provide a medical insurance policy, valid on the territory of the Russian Federation, to its submission, with the exception (based on reciprocity) of employees of diplomatic missions and consular agencies of foreign countries, employees of international organizations, family members of these persons and other categories of foreign citizens. "
After analyzing the above legal norms, it is possible to conclude that the refusal to acquire the PMC policy by a foreign citizen who is in the territory is a direct violation of the legislation of Russia and entails the imposition of a fine.
Collisions of the legislative base
The Labor Code of the Russian Federation prescribes foreign citizens "After crossing the border of the Russian Federation, it is obliged to acquire a policy of health insurance." At the same time, federal laws No. 114 "On the procedure for departure from the Russian Federation and entry ..." and No. 115. "On the legal status of foreign citizens in the Russian Federation," argue that "foreign citizens ... must have a valid ... Contract (policy) of medical insurance" At the time of entry into the territory of the Federation.
In most cases, penalties imposed on foreigners entering the territory of the Russian Federation without polis - are unlawful, since the Labor Code of the Russian Federation has a higher priority over federal laws.
Responsibility of registration of DMS for a patent
As mentioned at the beginning of the article, insurance of foreign citizens under the DMS program is an integral part of the procedure for obtaining a patent for work in Russia. The presence of the policy allows you to protect not only the rights of the employee, but also the rights of the employer. The minimum term for entering into such a contract is 1 year, and the minimum amount of insurance compensation is 100 thousand rubles. These norms regulating the features of the design of the DMS for foreigners are governed by the Decree of the Central Bank of the Russian Federation from 2015. Violation of one of the mandatory conditions - the period or volume of insurance compensation entails the refusal to design a patent.
Article 13 of the Federal Law No. 115 "On the Legal Status of Foreign Citizens" contains a complete list of persons on which the requirement for the obligatory design of a patent is not covered. These include:
- nationals of the republics who signed an agreement on the Eurasian Economic Union;
- persons who received RVP and a residence permit;
- foreigners staying in Russia;
- persons recognized as refugees or received temporary asylum, etc.
As of 2016, to obtain a patent for work, a foreign citizen will have to pay an average of 4,000 rubles.
Penalties for the failure of the policy
In accordance with the legislation, at the time of the intersection by a citizen of another state of the borders of the Russian Federation, it should be in the presence of a policy of DMS insurance, with an insurance coverage amount of at least 100 thousand rubles. If for some reason the insurance policy was not purchased, then the foreigner has at its disposal three days for its design.
Upon the expiration of the deadline, in accordance with the COAP of the Russian Federation, the violator expects administrative punishment in the form of a fine. The size of the fine depends on the region, and varies from 2 to 7 thousand rubles. If the DMS policy is less than 100 thousand rubles, then in accordance with the amendments of 01.05.2016, a fine may also be imposed on a foreign citizen. In some cases, when fixing the facts of disruption of the registration of the PMC policy, a foreign citizen can be expelled from the territory of the Russian Federation.
How to make a policy of a foreigner?
To obtain the Polis of DMS, a citizen of another state must be applied to the insurance company and provide:
- passport (certified by a notary translation into Russian on demand);
- migration card.
Typically, the execution of such a policy takes no more than 1 hour, but in some cases the design procedure can delay up to three days. It must be remembered that in accordance with the Federal Law "On Insurance of Foreign Citizens", for the design of insurance for foreigners in the Russian Federation, 60 hours are given, and at the time of contacting the management of migration issues for the accounting registration, a foreigner must have a PMS policy.
Policy of the DMS Insurance, designed by a foreign citizen, must comply with the requirement "Primary health care and specialized medical care in emergency form" . In the event that a citizen plans to carry out labor activity, the deadline for the execution of the DMS policy should coincide with the term of the patent. Ignoring this condition entails cancellation of work permit in Russia.
Cost of the PMS policy for foreign citizens
Most leading insurance companies offer DMC programs for foreign citizens. Prices for such programs directly depends on citizenship, region, the kind of employee activities, as well as its age and, of course, from the list of services provided. The table below shows the prices of voluntary medical insurance of foreign citizens in leading insurance companies of the Russian Federation as of 2016.
| Company |
Cost of the DMS Insurance Program |
| "MAX" |
They are insured by citizens aged 18 to 60 years. The cost depends on the term of insurance: 3 months -1 300 r. 6 months - 2 000 r. 12 months - 2 800 p. |
| "Reso-Warranty" |
Price for a period of 3 months. up to 12 months. - from 1 400 r. up to 2,900 p. For the elderly migrants, over 50 years old are increased odds. |
| "VTB Insurance" |
Insurance prices from 1 year start from 1,500 p. and higher |
| Rosgosstrakh |
The price of the policy depending on the region fluctuates from 1,500 p. up to 5 400 p. |
| "Happy people" |
The cost of the policy varies from 1600 p. up to 3600 r. Persons from 18 to 75 years caught under the insurance program. |
It is necessary to understand that the table below shows the minimum prices of the DMS insurance programs - such programs do not include visits to a dentist, treatment of chronic diseases, therefore compensation for treatment costs that are not included in the base policy with minimal insurance coverage, a foreigner will have to pay From your wallet.
Voluntary medical insurance of a foreign citizen is a procedure that any foreign citizen is obliged on the day of its arrival in the territory of the Russian Federation. At the same time, even residents of Kazakhstan, Armenia, the Republic of Belarus should be needed.
Is the DMS required for foreign citizens?
Yes. DMS for foreign citizens is a mandatory document that provides a legitimate stay in the territory of the Russian Federation for any foreign citizen. For all foreign citizens is a mandatory requirement to issue insurance of foreign citizens on the first day of stay in Russia. However, it is worth noting that the DMS for all foreign citizens is made quite quickly, and if a foreign citizen was invited to work, the insurance of a foreign citizen may issue an employer.
Why a foreigner is a medstrashovka?
Medical assistance for foreign citizens turns out to be in the absence of DMS for a foreigner. However, it is the DMS for foreign guests that gives medical guarantees to receive treatment in full. Bought DMS for a foreign guest receives the following rights:
- Located in the territory of the Russian Federation on legal grounds.
- Contact hospitals and other medical institutions for free consultation.
- Receive emergency help both in place and in the hospital.
- Receive medical care and treatment in the amount limited by the medical insurance policy.
It is worth noting that various insurance companies offer different methods and health insurance. However, since May 2016, the minimum amount of insurance is one hundred thousand rubles.
List of necessary documents
- A copy of the passport of the country whose resident is a foreign citizen.
- Copy of migration card. Various agencies are engaged in issuing migration cards for foreign citizens, it is possible to obtain it at the entrance to the territory of Russia.
How to arrange?
Medical insurance for foreigners is simple enough. To do this, it is enough to contact any insurance organization engaged in issuing policies for foreign citizens. The process itself is quite simple:
- We inform about your desire to issue medical insurance of a foreign citizen.
- Prevent the necessary documents
- Choose a tariff. You can choose any medical policy of DMS for foreign citizens - tariffs are very flexible and are designed for a long time stay and short trips.
- Pay for insurance, take the finished policy.
Cost of registration
The cost of making medical insurance of foreigners is difficult to indicate exactly. The first thing that should be considered when making a medical policy for foreigners is its actions. So the policy with an annual validity period will cost much more than the insurance for three months. It is also important to take into account the presence of additional services (such as the provision of dental assistance) and the age of an insured by a foreign citizen.
Different companies offer various policies. And prices for them will vary greatly. This is primarily due to the quality of medical services - each company has its own partner clinics offering different range of services. Some are ready to offer elite service, other - standard procedures. The cost of registration of the PMS policy can be calculated on our website below.
Also, the cost of the policy is influenced by the number of services that can receive a foreign guest in its policy. It directly depends on the amount of minimum insurance. However, it cannot be below 100,000 rubles.
Who pays?
- If a foreigner enters Russia independently or as a tourist, then DMS pays himself.
- If a foreigner enters Russia at the invitation of the employer, then the employer itself may arrange insurance independently, paying all the necessary duties for a foreign personnel. In practice, this operation is quite popular - it not only raises the prestige of the organization, but also attracts specialists from abroad.
- Foreign students who arrived at studies in Russian universities, medical insurance provides the state. Thus, the policy is absolutely free for them.
Penalties for the lack of insurance
Anti-Intensive - Standard Block
From the first of May 2016, a penalty was introduced for the lack of a policy of voluntary medical insurance of foreign citizens. Its size ranges from two to seven thousand and depends on the following indicators:
- Is there a policy of a foreign citizen
- How much the amount of minimum insurance (100,000 rubles) differs from valid.
If a foreign citizen was fined during the year for the lack of a medical policy for foreign citizens, according to Article 18.8 "Code of Administrative Offenses of the Russian Federation", he faces a ban on entry into the territory of Russia.
Who does not need insurance for foreign citizens?
To obtain a patent in 2015, foreigners will need to issue a policy of DMS.
Polis DMS for a patent or employment - from 1500 to 2500 rub. Depending on the insurance program and insurance company.
For the design of a patent in Moscow (Sakharovo) only policies for 2500 rub.
Policy warranty 100%.
For registration Next data:
- passport details
- registration address
Document reception time for registration 5-10 minutes in the office.
We can accept data for mailing insurance. Payment on Sberbank card.
Caring for their own health is the personal matter of every person. Some pays great importance to this issue, trying to undergo a medical examination in time, take tests, follow the condition of your body. Others appeal only in emergency cases, which does not always guarantee a positive result, since health condition can be in an extremely launched state. As they say, every owner itself and does what he thinks needs. But one thing to treat treatment in his native country, hometown, the other is to qualify for medical care somewhere abroad. Take, for example, the Russian Federation, where every year dozens and even hundreds of thousands of residents of the CIS countries are sent to earnings. Even a child knows that to get medical assistance to foreigners in the territory of the Russian Federation is extremely not easy.
To correct this situation, ensure migrants the opportunity to undergo high-quality medical examination, were introduced pMS polisy for foreigners. DMS (Voluntary Medical Insurance) is a guarantee that in the event of health problems, you will not be left with your misfortune.
Polis DMS: offer for every migrant
To date, several proposals for voluntary health insurance have been developed. Thanks to this, each foreign citizen, legally located on the territory of Russia, has the opportunity to choose the most acceptable option for itself, both at the cost of the policy and by its term. DMS can be issued for 3 months, for 6 months or a year. For the design of a patent, we recommend issuing DMS for a year so that there are no problems when submitting documents.
As for insurance proposals, today there is a basic requirement for insurance policies - to comply with the requirements of the legislation and the formal requirements of the FMS.
And, perhaps, an important nuance is that each client has the absolute right to choose a program, the term of the policy, as well as the cost of insurance.
What gives the PMD policy for foreign citizens?
Feature voluntary Medical Insurance Certificateit is a complete compensation for medical services. A foreign citizen who has a policy in his hands can be sure that it is necessary, if necessary, will receive qualified medical assistance, surveys and treatment in Russian health resorts.
To visit the doctor, you will not need to think about how much you have to pay, just show your policy, and you will receive medical care for free. Besides, dMS certificate for foreignerscovers all expenses caused by medical and transport services.
Life, sometimes, prevents too pleasant surprises. Sometimes severe diseases may occur completely suddenly. It is clear that to continue further work in such a situation is an extremely reasonable decision. The ideal option is to return to your country where you can continue further treatment. In this case, having policy DMS.You can also count on the aid. Insurance company, which made the issuance of the policy, undertakes to help in your return home to pass further treatment. Thus, you will not stay one on one with your illness, and even in someone else's country.
What should be considered when making the PMS policy?
First of all, with almost all foreign nationals are facing - this is the choice of an insurance company. In fact, from the correctness of the choice and will depend on your further attitude with the medical organizations of the Russian Federation. When choosing a company, you must familiarize yourself with the list of medical organizations that the insurer cooperates with.
In addition, it is also important to choose a company that provides its customers with round-the-clock support. There are no rare cases when, in the presence of the PMS policy, a medical organization requires payment. In this case, it is necessary to have the support of the insurance company manager, which will negotiate with the hospital or will give you the necessary advice.
Insurance contract - the main document, the study of which you should pay key attention. It is in the contract that all the obligations of the company are prescribed. The contract is a guarantee that you will receive the necessary assistance in the event of an unforeseen situation. If, on the content of the insurance contract you have any questions, ambiguities, it is necessary to clarify these moments from the employees of the insurance company.
Finally, it needs explanation - these are the services that one or another policy implies. Before issuing DMS, read the services that can be provided for free upon presentation of an insurance certificate. Depending on the insurance program, the list of medical services provided for free may differ significantly.
If you take care of your health, do not want to be at risk once again, which can be caused by cooperation with an unscrupulous insurance company, then refer to a reliable partner - to us. We provide support for all migrants who prefer to live and work in the territory of the Russian Federation. Contact us by specified phones!
In order to ensure maximum comfort, our customers we offer registration of DMS in our office. Reception of documents for execution of the policy will take no more than 5 minutes. We work with an advanced insurance company, which has been many years on the Russian market for many years and has a high degree of confidence from customers.
Registration of the DMS policy with us - it is fast, comfortable and guaranteed to decorate a patent in Sakharovo and Krasnogors (BC Greenwood). Having a voluntary health insurance policy, you may not worry about the unforeseen treatment costs. The insurance company will provide you with coverage of all expenses, proposing the most optimal treatments. You can issue both separately DMS, and order a full cycle of patent services.
Frequently asked questions about the design of PMD search
What gives voluntary medical insurance?
Voluntary medical insurance provides for the provision of services in the field of treatment in the event of your illness during the term of the DMS
How long is the policy of DMS?
The PMD policies are discharged by 3, 6, 12 months. It is more profitable to buy at once for 1 year.
Can I get monetary compensation in the DMS policy instead of treatment costs?
DMS provides for the payment of money only for treatment. By DMS, you can exclusively take advantage of medical services.that will be paid directly to the medical center or compensated for you on checks.
What is provided in the DMS in the event of the death of the insured?
In the event of the death of the insured DMS, there is a coverage of transport and other expenses related to the repatriation of the remains of the insured.
In which cases I can't take advantage of the costs of the insurance company?
DMS does not provide assistance in treating diseases and injuries:
- who had and demanded treatment before the term of the insurance contract;
- which appeared in the first 5 days after the conclusion of the insurance contract;
- which appeared in connection with any form of flights;
- caused by amateur / professional sport
- and caused by other situations provided for in the DMS Polish.
What insurance amount will the policy be discharged?
In each policy, the insurance amount is indicated. Depending on the choice of insurance program, it varies from 20 to 300 thousand rubles.
Is it possible to extend the insurance policy?
The PMD policy does not extend. At the end of its validity period, if necessary, you need to issue a new one.
How to use the services of an insurance company?
Insurance company services can be used by typing the telephone number of the 24-hour dispatch center.
Does the DMS be drawn up for a patent for work?
Yes, since January 2015, DMS is a prerequisite for obtaining a patent for work.
For what other documents other than a patent need a PMD policy?
The PMC policy is also a mandatory document for a residence permit (temporary residence permits (RWP).
How much does the DMS design cost?
The design of the DMS costs from 1500 to 2500 rubles depending on the insurance company and the policy.
How long does the registration of DMS?
DMS design takes 5-10 minutes in our office. Some policies are discharged in praise, so you will receive a signed policy for the next day or in the evening.
What you need to have with yourself for registration of DMS?
For registration of DMS, you need to bring us your passport, a migration card, registration.
In any country, every person who needs medical care has the right to get decent and high-quality treatment. In Russia, today, foreigners are available for paid and free medical services. Freely migrants can only provide emergency medical care. A full-fledged treatment in the Russian clinic for free only foreigners who have a PMC policy for foreign citizens in 2019 will receive. We understand in the intricacies of obtaining the PMS Polis in the Russian Federation.
Medical Insurance Migrants in Russia
In Russia, there are two types of insurance in the field of medical support - compulsory and voluntary. Mandatory medical insurance (OMS) gives the right to citizens of the Russian Federation and some categories of foreigners use the services of medical institutions at the expense of the state budget, and working on the employer. To foreigners who are issued by the OMS policy include citizens overlooking the residence permitting permission for temporary accommodation or refugee status.
Emergency assistance and outpatient or inpatient treatment of diseases included in the list of basic or territorial mandatory insurance program are provided to migrants for free, only services provided by medical institutions that are not included in the OMS system can be paid.
Migrants who are not eligible for compulsory insurance and who have come for a long time in the Russian Federation are obliged to buy a medical advice for foreign citizens, according to which the costs of treatment covers the insurance company. As part of the voluntary insurance system, foreign citizens are attached to the clinic cooperating with an insurance organization, and receive medical care provided for by insurance.
Will the medical assistance supply an uninsured foreigner
The presentation of insurance when applying for medical care, including emergency, is a prerequisite for obtaining treatment. In this case, it is confident that with a sudden exacerbation of chronic diseases or injuries, poisoning and health problems, they will not refuse medical care. But what to do to foreign citizens who were in such a situation without an insurance policy?
The absence of the policy is not a reason for refusing emergency medical care: all foreign citizens, who are in a threatening life of the state, are eligible for free services.
Accounts are not presented if resuscitation activities are carried out at the scene or during the transportation of the victim in a medical institution.
If it is necessary to treat chronic diseases at the time of exacerbation, without explicit signs of the threat of life, the doctor is obliged to help the patient for free, and then transfer information about him to the clinic at the place of residence. To continue treatment, the presence of the insurance policy is necessary.
Who has the right to receive the policy of the OMS
Foreigners permanently residing in Russia have the right to insure in the system of compulsory health insurance. To do this, make a permission for temporary accommodation or residence permit. With the Policy of the OMS Migrants on a par with citizens of the Russian Federation, can count on the provision of emergency medical care, treatment in outpatient polyclinic conditions and in the hospital.
Voluntary medical insurance for foreigners
The policy of voluntary health insurance is a document that gives the right to an individual for free to receive medical assistance provided for by the Treaty in medical and preventive institutions. It also provides an opportunity to enjoy the medical services of those organizations that do not work under the Mandatory Medical Insurance Program, for example, to be treated in private clinics. All foreigners or aparters, who do not fall into the category of persons who have the right to OMS can issue this type of medical insurance.
Voluntary health insurance policy for foreign citizens is a mandatory document. For foreigners who have no temporary residence permit, a residence permit or temporary asylum, this is the only way to get free medical care in Russia. To insure some migrant, crossing the border of the Russian Federation, regardless of the status, goals and number of days of staying in the country, otherwise a fine is possible and even a ban on the entry.
Foreign Citizens Health Insurance Legislation
Foreign citizens who doubt the need to design the DMS policy, it is worth paying attention to paragraph 5 of Article 27 of the Federal Law of August 15, 1996 No. 114-FZ (ed. From 19.02. 2019) "On the procedure for departure from the Russian Federation and entry into the Russian Federation " According to this law, a foreign citizen is imposed on the territory of Russia, it is impossible without a medical insurance policy.
Labor migrants are required to have a voluntary health insurance policy. This is said in paragraph 10 of Article 13 of the Federal Law of July 25, 2002 No. 115-FZ (ed. From 12/31/2017) "On the legal status of foreign citizens in the Russian Federation". Get a patent or permission to work is unlikely to succeed without medical insurance.
Insurance conditions on the PMC policy
In a difficult position, when urgently requires timely and qualified medical care, any person can get. And medical services in Russia today are considerable money. Overcome material difficulties and contact the right medical institution helps the policy of voluntary health insurance.
The contract with the insurance company indicates the clinic to which a foreign citizen is attached. A foreigner in need of medical care has the full right to receive the necessary services in this medical institution. Types, order and conditions for obtaining medical services are also negotiated in the Voluntary Insurance Program.
Typical Policy Services
Insurance companies offer policies that include various sets of services. Standard DMS document includes a minimum package of services. By concluding such a contract, a foreign citizen can count on paying bills for clinic services, coverage of drug costs when placed in the hospital, the design of hospital sheets. The Typical PMD policy does not give the right to seek help from a narrow specialist without the direction of the therapist.
Polis DMS for a child
The PMR policy is required and for children of foreigners, temporarily staying in Russia and not received a residence permit. First of all, a list of children's medical institutions with contact details was identified in the insurance contract, which can be applied for obtaining medical care, the volume of standard and additional services is indicated. Without a medical examination and the conclusion of the profile commission, the child will not take into kindergarten and school. The cost of such an inspection covers the policy. It will take this document and to visit various sports sections and creative circles.
As a rule, insurance for children of foreigners includes observation and maintenance of the house pediatrician, inspections and consultations with narrow specialists, planned vaccination, collection of analyzes, physiotherapy procedures, hospitalization and other services. Many insurance companies offer parents to choose a program depending on the age of the child.
Cases in which payments in the policy are not produced
An expanded list of medical services that have the right to take advantage of foreign citizens are listed in the DMS contract. If it happened so that the clinic denied the provision of services, you need to carefully read the terms of the contract. The policy indicates diseases whose treatment is not provided by insurance. Such, for example, are mental, oncological, innate diseases. Insurance will not be able to intentionally caused the harm to be injured in alcoholic intoxication or wishing to make plastic surgery.
Violation of the terms of the contract or the appeal to the payment of an uninsured person is also a reason for refusing compensation for receiving medical services. In any case, if the Insurance Company is not going to pay compensation, it should be required from employees to make a refusal in writing signed by the head. It is advisable to have all checks about the payment of medical services. During the trial, these documents can be very useful.
Medstrashka design for labor patent
Labor migrants refer to the category of citizens who must necessarily have a voluntary health insurance policy. Without insurance, it will not be possible to get a patent. The Main Department of Migration Migration requires this document on the basis of the Law "On the Legal Status of Foreign Citizens in the Russian Federation".
The PMC policy for labor migrants should cover medical and transport services. This minimum is approved by the Ministry of Health of Russia. An indication of the Central Bank of the Russian Federation of September 13, 2015 No. 3793-y has a minimum amount of insurance coverage (100 thousand rubles) and the period for which insurance can be purchased (1 year).
Policy DMS for foreign students enrolled in Russian universities
Foreigners, heading for training in Russia, should take care that the PMC policy for foreign students is in their hands already when crossing the border.
According to Russian legislation among mandatory documents allowing the crossing of the border of Russia, there must be a policy of medical insurance. The design of insurance is also worth thinking also because medical services in the state clinics of the Russian Federation for foreign students are available only if the presence of the policy is available. You can count on free help only with the immediate threat of life.
Medical insurance for foreigners in Russia is paid at the expense of personal funds. Employees of the educational institution can only advise, in which insurance company it is better to buy a policy and which minimum amount of services is necessary. The insurance company will require a passport and a migration card.
Voluntary medical insurance for citizens of CIS countries
Migrants from CIS countries often have such questions: whether the PMC policy is needed by Belarusians in 2019, why such a type of insurance of citizens of Kazakhstan, etc. According to Article 98 of the "Eurasian Economic Union Treaty" (signed in Astana on May 29, 2014) ( With amended and add., Introductionful from 12.08.2017), citizens of the EAEU member states are socially protected as well as citizens of Russia.
In case of employment, migrants from Belarus, Armenia, Kazakhstan and Kyrgyzstan have the right to receive a policy of compulsory health insurance and free medical services established by the CHA program.
This right is enshrined by the Order of the Ministry of Health of Russia of October 27, 2016 No. 803n. The immigrants from these countries should have an OMS policy, respectively, there is no need for the design of the DMS.
Voluntary medical insurance for the rest of the citizens of the CIS countries - the indispensable condition for obtaining medical services in Russia, for example, the PMC policy is obligatory for citizens of Ukraine who want to work in Russia.
Polis design procedure
Any insurance company will provide services for the design of the PMC policy for foreign citizens. To do this, you can contact the company directly into the office or leave contact details in a special form on the site. Insurance company should choose the one that has a license to carry out voluntary health insurance.
In the process of registration of the PMC policy, you need to choose the insurance program, fill out an application for the conclusion of a voluntary health insurance contract and answer the questions of the medical questionnaire.
Required documents
When making insurance from a foreign citizen, a passport is required or another document with a photo certifying. You also need a migration card, permission to stay in Russia, a document confirming registration in the migration service. Documents should be exclusively in Russian or translated into Russian.
In which organizations contact
Many people who come to Russia do not know where to arrange the PMC policy for foreign citizens. Russian insurance companies offer various health insurance programs. Before the campaign behind the Policy of the DMS, it is advisable to hold their own analysis of insurance companies, the promotion of official sites or interviewing friends, colleagues, relatives. Rating agencies of insurance companies, such as Expert RA, will help to determine the insurance organization and buy a PMC policy for foreigners in Moscow.
In many regions of Russia, branches and representative offices of insurance companies are located. On official websites you can find out the contact details of the offices. Also services for the design of the DMS policy are in the departments of the "Post of Russia".
The cost and validity period of the PMC policy
How much does medical policy cost for foreign citizens, you will learn in the insurance company. The cost of voluntary medical insurance is influenced by the rates of the insurance organization, the selected program, as well as factors such as the age and state of health of a foreign citizen, the period of stay in the country, the goal of the execution of the policy.
Insurance is drawn up for 3, 6 or 12 months. On average, the price of the PMS policy for foreign citizens ranges from 3 to 5 thousand rubles a year, the exact amount will be given a special calculator on the website of the insurance company.
The cost of insurance will be higher for pensioners, pregnant women and children of migrants, which is associated with the specifics of treating these categories of citizens. Citizens planning to work in Russia should know that the terms of insurance should coincide with the terms of the patent. Inattention to such nuances may result in cancellation of work permit in the Russian Federation.
Who pays insurance costs
When buying foreign citizens, the DMS policy should count first of all on their personal funds. Exceptions can be labor migrants: some employers, subject to the preliminary agreement, the costs of insurance take over.
Whether punishment is provided for violation of legislation
For non-compliance with the requirements of the legislation of Russia, a foreign citizen faces administrative punishment. According to clause 3 of Article 18.8 "Code of the Russian Federation on Administrative Offenses", a foreigner without the PMS policy threatens a fine of 2 to 5 thousand rubles. If such a violation is recorded in Moscow, St. Petersburg or in the regions, it will be paid from 5 to 7 thousand rubles. The re-violation threatens expulsion outside the country.
It is better to insure
Medical insurance is one of the most common types of insurance in the world. It is such insurance that guarantee the preparation of high-quality and timely assistance aimed at preserving the life and health of a person.
Registration in Russia of such an important document as an insurance policy, for foreign citizens is the possibility of free to use medical services, choose a medical institution within the insurance program, as well as save their funds in case of illness.
Polis DMS for Foreign Citizens: Video
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