On September 13, 2015, the Central Bank of the Russian Federation issued decree no. 3793-U. The order, which took effect on January 31, 2016, sets out the standard requirements for the voluntary health insurance of foreign citizens and persons without citizenship in Russia for the purpose of employment.
Under the order, the insurer must carry out their health insurance program against the risks of incurring medical expenses. The cost of insurance per person must be more than 100,000 rubles for the duration of employment. The health insurance policy should contain a list of medical services covered by the insurer, and the procedure for their provision.
The insurer is entitled to exclude cover for the following medical services:
- The medical care of dangerous infectious diseases, malignant tumors, diabetes and mental disorders
- High-tech medical care
- Medical care for pathological conditions, poisoning and injuries due to intoxication
- Medical care related to suicide attempts
- Medical services related to pregnancy and childbirth, etc.
The health insurance program should also state that the insurer will cover the costs of vital medication and medical devices used by medical personnel when providing emergency and specialized medical care.
The legislation sets out more concrete requirements regarding the content of the insurance policy, including:
- Date the insurance policy form was filed
- Policy terms and territory of validity
- The signature of the insured person
Validity of the health insurance agreement should be defined – based upon the work permit validity or a patent reported by the insurer, and the territory of its validity. This should include the subject of the Russian Federation and on whose territory the insured person intends to work.
This summary was prepared using information obtained from the Central Bank of Russia (website displays Russian).
Disclaimer: The above information is provided for general information purposes only and should not be construed as legal advice. If you have any further inquiries regarding the applicability of this information, please contact the Regional Immigration Manager, EMEA, Vladimir Dziak.