Russia is the largest country in the world and has a universal healthcare system that provides medical care to all its citizens. In this article, we will discuss the health insurance options available in Russia and how they work for both citizens and expats.
Health Insurance Requirements in Russia
All Russian citizens and residents are required to have mandatory health insurance (MHI), which is provided by the state. This insurance covers basic medical services such as doctor visits, hospitalization, emergency care, and some medications.
Foreigners who are employed in Russia are also required to have MHI coverage. However, tourists and expats who are not employed in Russia are not required to have health insurance. Nonetheless, it is highly recommended to have some form of insurance as healthcare costs in Russia can be expensive, especially for expats.
State Health Insurance System in Russia
The state health insurance system in Russia is a universal system that provides coverage to all citizens and residents. The system is funded by taxes and provides coverage for basic medical services. MHI covers visits to general practitioners, emergency care, hospitalization, diagnostic tests, and medications prescribed by the doctor.
MHI also covers preventive care such as vaccinations, health screenings, and check-ups. The coverage and services provided by MHI may vary depending on the region of Russia, but the basic coverage is the same across the country.
Applying for State Health Insurance System in Russia
Russian citizens and residents are automatically enrolled in the MHI system and receive a policy card that is required to access medical services. Foreigners who are employed in Russia are also automatically enrolled in the MHI system by their employers.
For those who are not automatically enrolled in the MHI system, they can apply for it at their local branch of the Social Security Fund. To apply for MHI, you will need to provide the following documents:
- Passport or other identification document
- Russian residency permit (for foreigners)
- Employment contract (for employed foreigners)
- Application form
Once your application is approved, you will receive a policy card that is required to access medical services under the MHI system.
Advantages of Private Medical Insurance in Russia
While MHI provides basic medical coverage for Russian citizens and residents, it may not be sufficient for expats living in Russia. Expats may prefer to have additional coverage through an international private medical insurance (IPMI) plan. IPMI plans provide more comprehensive coverage and may include additional benefits such as coverage for pre-existing conditions, dental care, and maternity care.
IPMI plans also provide the flexibility to choose medical providers and hospitals, both within Russia and abroad. This can be particularly beneficial for expats who prefer to seek medical treatment in their home country or other countries where they may have a better understanding of the medical system.
In conclusion, the health insurance system in Russia provides basic coverage for all citizens and residents. Expats living in Russia may benefit from additional coverage through an IPMI plan, which provides more comprehensive coverage and greater flexibility in medical care. Regardless of the type of insurance chosen, it is important for all individuals living in Russia to have some form of coverage to ensure access to quality medical care.