Medical insurance for international students
All international students must have a medical insurance policy. There are two systems of medical insurance in Russia: compulsory health insurance and voluntary health insurance. Medical care under the compulsory medical insurance policy is provided to all Russian citizens and specific categories of foreigners. The costs of medical services under the compulsory medical insurance policy are paid from the Russian budget. As far as it concerns voluntary health insurance a patient's treatment is paid for by insurance companies. The specific categories of foreigners only can have a compulsory medical insurance policy:
- Foreigners who have a temporary residence permit, a temporary residence permit for education or a permanent residence permit;
- Refugees and foreigners who have been granted temporary asylum in Russia.
How to obtain a compulsory medical insurance policy – for specific categories of foreigners only (see above).
All other foreigners who are not included in the above categories receive medical care under a voluntary medical insurance policy. A medical insurance policy is a mandatory document for foreigners to stay legally in Russia. A medical policy makes it possible to contact a medical institution in Russia for medical assistance if necessary.
Is it mandatory for an international student coming to Russia to obtain a voluntary medical insurance policy?
Yes, it is. The article 27, the paragraph 5 of the Federal Law of August 15, 1996 No. 114-FZ "On the Procedure for Leaving the Russian Federation and Entering the Russian Federation" and the article 5, paragraph 5.1 of the Federal Law of July 25, 2002 No. 115-FZ "On the Legal Status of Foreign Citizens in the Russian Federation" regulate for a foreigner’s duty to obtain medical insurance for the entire period of stay in Russia. The absence of a voluntary medical insurance policy may result in a foreigners’ administrative liability for violating the stay regime.
Which medical organizations a foreigner can visit to get medical services under a voluntary medical insurance policy?
To clarify detailed information about medical services a foreigner must contact the insurance company's contact telephone number indicated in a medical policy. The insurance company's staff will inform about specific medical organizations that a foreigner can visit to get medical care under a voluntary health insurance contract.
What documents are required to purchase a voluntary health insurance policy?
A foreign citizen needs minimum documents to purchase a voluntary health insurance policy:
- Passport;
- Migration registration slip.
For what period and where can a foreigner purchase a voluntary health insurance policy? Are there any requirements for a voluntary health insurance policy?
A medical policy must be issued for the entire period of stay in Russia. Upon a medical policy expiration it must be renewed or a new one must be purchased. A foreigner can get a policy from any insurance company that has a valid license to provide insurance services. It is important that insurance program satisfies the minimum requirements of the university:
- the recommended total amount of insurance coverage for a medical policy is at least 500,000 rubles;
- the insurance program includes outpatient and polyclinic services, emergency medical care, hospitalization services;
- the insurance program includes repatriation services to the country of citizenship.
The list of some insurance companies can be found below*:
* The right to choose and purchase a medical policy is not limited to the above list of companies. Optionally a foreigner can also purchase a medical policy (valid in Russia) in the country of citizenship/permanent residence.
When a medical policy is purchased a student must send a scanned document copy to the International Cooperation Department - international@mgutm.ru.
Any questions? Please write us to international@mgutm.ru.