Important! VHI policy for foreign citizens in Russia: medical insurance for foreigners in 2021 - changes in legislation

Content

1. What does the law say?
2. What kind of insurance is needed for a trip to Ukraine?

3. How to get to Ukraine in 2021

4. What happens if a citizen does not comply with quarantine after entering Ukraine?

5. Who can apply for entry into Ukraine in 2021?

6. What does insurance cover in Ukraine?

7. How to choose the right insurance program for applying for a policy in Ukraine?

8. How to prepare documents for travel insurance to Ukraine?

9. When will insurance fail?

Entry into Ukraine requires compulsory insurance. Medical insurance can be obtained from companies that provide similar services. The list of documents for a trip to Ukraine must include insurance against COVID-19. This requirement is presented to all foreigners and stateless persons without exception who have gathered in Ukraine. At the same time, travel insurance to the country must cover the costs of observation and treatment of coronavirus.

Regional features

In 2021, two types of regional features can be distinguished:

1. Differences in the amount of the fine for not having a policy.
2. Refusal to accept a document due to the fact that it was issued in another region.

As for the second point, this is an obvious violation of the law. If a person, regardless of his citizenship, has a compulsory medical insurance policy in his hands, then he must be provided with medical services anywhere in Russia.

Every person in Russia must have a medical insurance policy. In most cases, foreigners apply for voluntary health insurance, but in fact, many of them have the right to have compulsory health insurance. The second is issued free of charge and involves service throughout the country in government agencies.

According to the law, foreigners living in Russia with temporary residence permits and residence permits, as well as those who arrived at the invitation of their employer, have the right to receive a compulsory health insurance policy.

Insurance for a trip to Ukraine: what does the legislation say?

Already on June 20, 2021, the Resolution of the Cabinet of Ministers of Ukraine came into force, which introduced a ban on entry into Ukraine:

• persons who do not have citizenship (those who live in Ukraine may be there without insurance);
• citizens of other countries who are planning a tourist trip to Ukraine.

Also, the country’s legislation stipulates that all foreigners must be insured during the visit.

Let's move on to specific legislative norms.

1. Art. 16 of the Law of Ukraine “On Tourism”. According to the provisions of the article, a policy for a tourist is a mandatory requirement, and it can be obtained by concluding an agreement with an insurance company. The document must include the provision of urgent assistance if an insured event occurs during your stay in Ukraine. The policy period covers the entire duration of the trip.
2. Art. 11 of the Law of Ukraine “On the legal status of foreigners and stateless persons.” The article provides that a foreigner cannot count on obtaining a visa if he does not have a medical policy, which must be obtained before submitting documents to the insurance company and planning a trip.

Requirements for registration of VHI upon entry into the Russian Federation

The law has approved a list of minimum requirements for a foreign citizen who wishes to receive voluntary health insurance for legal stay in the country.

These include:

1. Only a foreigner whose age has crossed the age limit of 18 years to the maximum threshold of 75 years can obtain a VHI policy on their own.
2. When a person with a minor enters the Russian Federation, a separate policy must be issued for the child. The legal representative or parent must submit the papers for him.
3. After crossing the Russian border, a foreign citizen undertakes to purchase a VHI policy within 3 days.
4. The full list of services received is no different from what citizens of the Russian Federation purchase.
5. In cases where the policy is issued by an employer providing a foreign citizen with contract work, the validity period of the policy will be equal to the period of work in the Russian Federation.
6. The VHI policy has a number of restrictions on diseases. Free medical services will not be provided for the treatment of HIV infection and AIDS.
7. Any woman during the policy period can receive free observation and diagnostics during pregnancy, as well as assistance during childbirth.

What insurance is needed for a trip to Ukraine?

Important! From June 20, 2021, insurance must be taken out according to new rules, taking into account the coronavirus pandemic. Insurance must include coverage for COVID-19 treatment. The document will need to be presented to border guards for review when crossing the border into Ukraine. If previously insurance was rarely required at the border, due to the pandemic the situation has changed dramatically. Now insurance has become mandatory to present along with your passport.

Accordingly, your policy must contain a list of insured events and coverage in case of coronavirus infection.

The requirements for the insurance policy are as follows:

• insurance must cover 30,000+ EUR;
• the policy should not contain a deductible;
• insurance must cover the entire period of travel to Ukraine.

Additional Information! Insurance can be purchased online; insurance companies provide this opportunity. A policy purchased online has the same powers as a document issued in the organization’s office.

The minimum amount of insurance coverage is EUR 30,000.

On the BeruPolis.ru website you will find 2 types of insurance programs for trips to Ukraine:

1. VZR. On the website you can calculate the cost of insurance online by indicating in the form the dates of entry and exit, country, number of insured and other parameters. A standard policy from Absolut Insurance includes payment for emergency dental care, repatriation of remains, payment for communications in the event of an insured event, transportation and medical care. The program does not include a deductible.

Additionally, you can create situational conditions:

• leisure;
• sport;
• COVID-19.

1. Green map. It is required for drivers who plan to travel to Ukraine by car. More detailed conditions can be found on the website.

Insurance for a trip to Ukraine must be issued exactly for the duration of the planned trip. Coverage for COVID-19 treatment must be included on the contract form. It is necessary that it be written in a normal font, and you do not have to search for it throughout the policy. In this case, there is a risk that border guards will refuse entry.

If a tourist enters without a return ticket, he has 2 options:

1. Insurance for a period of 14 days. At border control you will need to explain that you intend to extend your insurance while you are in another country.
2. Taking out annual insurance. If you are going to travel to Ukraine for a long period of time, this type of insurance will be most preferable.

How to get to Ukraine in 2021?

After strict quarantine, communication with Russia was resumed. You can enter the country:

• at pedestrian border crossings;
• by car;
• by plane.

By car, citizens can get abroad through two points: Vilchu and Dolsk. You can learn more about the operating procedures and the number of checkpoints on the websites of official representative offices and departments. Also work:

• Yunakovka;
• Goptovka;
• Marinka;
• Three-breasted;
• Cretaceous;
• Chongar.

Do I need to undergo a 14-day quarantine?

Due to the pandemic, countries are divided into red and green zones. They are determined by a single indicator: the number of patients per 100,000 people. Requirements for the green zone: up to 40,000 citizens suffering from coronavirus. In Ukraine, the Ministry of Health is responsible for the formation of lists.

Accordingly, when a person travels from a red list country, he receives the necessary information about self-isolation. This period lasts exactly 14 days after entry. You can undergo quarantine measures:

• Houses;
• in specialized institutions.

When crossing the border, the citizen receives instructions on how to install the “Diy at Home” application. This allows local law enforcement agencies to monitor a person's whereabouts online, request photos of them, and check them out.

What happens if a citizen does not comply with quarantine after entering Ukraine?

If a person exits Ukraine within 14 days of entry and does not comply with legal quarantine, the authorities may bring the citizen to administrative responsibility.

Failure to comply with quarantine rules during a trip results in fines in the amount of 44,000-88,000 rubles. In local currency this is 17,000-34,000 UAH. You can pay the fine online.

Responsibility for absence

If a foreigner does not have voluntary health insurance, what can happen? If he entered Russia without insurance and did not purchase it within 60 hours, the foreigner cannot register with the Main Directorate for Migration and Migration. He is given three days to complete the necessary registration. After this, in the process of submitting documents for migration registration, in the absence of a policy, the foreign citizen’s refusal of insurance is formalized.

This is an administrative violation that entails the following penalties:

• Fine from 2,000 to 7,000 rubles;
• Expulsion from the country.

Important! If there is medical insurance, but in the amount of less than 100,000 rubles, this is considered a lack of insurance and entails the above administrative measures.

After deportation from the territory of Russia due to an insurance contract not concluded in a timely manner or concluded with violations, a foreigner may be prohibited from entering the country. The entry ban period is from 3 to 6 months.

Insurance for foreign citizens in Russia is mandatory. It can be issued both in your country and on the territory of the Russian Federation. The main thing is that order is not disturbed during registration and that the norms established by law are observed.

Penalties for lack of medical insurance

In 2021, the amount of the fine for the lack of compulsory medical insurance was established. The sanction is applied in two cases. Firstly, the person does not have a policy. Secondly, the amount of minimum coverage for VHI is less than the amount established by law.

As for the amount of the fine, the amount of payment depends on the subject. The limit range is from 2000 to 7000 rubles.

Who can apply for entry into Ukraine in 2021?

1. Citizens of Ukraine.
2. Citizens who have relatives in Ukraine.
3. Persons who have refugee status.
4. Persons who are not citizens of the country, but permanently reside in it.
5. Citizens who come from other countries.

The red list of Ukraine includes countries where the incidence rate is higher than the level observed in the country itself. It includes Romania, Poland, USA, Georgia.

The green list includes Belarus, Türkiye, Russia, and Finland. You can track the inclusion of countries in the lists online

Citizens who travel to Ukraine from a red country must have insurance against coronavirus infection with coverage starting from 30,000 EUR. An obligation is introduced for them to undergo 14 days of quarantine after crossing the border.

Next, the citizen installs the “Diy at Home” application on his smartphone, after which he is sent to self-isolation and tracked online. What's next?

1. A citizen can take a coronavirus test. Form: PCR smear. We need to wait for negative results. On the territory of Ukraine, you can take such a test, guided by the legal list of approved medical institutions.
2. For a trip to Ukraine, a citizen can apply for a PCR test 48 hours before departure and crossing the border.

What does insurance cover in Ukraine?

As a rule, insurance companies offer packages with a set of services and insurance cases for receiving free medical care.

The weighted minimum for issuing an insurance policy must include:

• transportation to a clinic recommended by the insurance company using available types of transport;
• costs of calling an ambulance or a doctor to the person’s address;
• examinations, diagnostics, nutrition and hospital stay;
• emergency dental services in case of injury or acute inflammatory processes;
• urgent evacuation to your homeland if further treatment in the country is impossible;
• refund of checks according to the price of prescribed medications;
• refund for conversations with the insurance company;
• preparation of the body and repatriation of remains.

Also, as part of insurance for a trip to Ukraine, the following program may be offered:

• assistance in restoring documents in case of loss;
• services of a medical translator when communicating with a doctor.

What does migrant health insurance cover?

The scope of medical services provided free of charge to a migrant under a VHI policy depends on the chosen insurance program. A detailed list of insurance risks and non-medical services is presented on the “Insurance calculator for migrants” page. The cheapest insurance covers:

• treatment of injuries;
• treatment of poisoning;
• issuing prescriptions and sick leave certificates;
• medical transport services;
• outpatient treatment (consultations with doctors, primary medical care, plaster casting, dressings);
• inpatient treatment (hospitalizations, doctor consultations, primary medical care, operations, anesthesia, intensive care, payment for medications);
• tests, ultrasound, x-rays, ECG and laboratory tests.

The cheapest insurance does not cover:

• treatment of sudden illnesses (colds, flu, ARVI, gastrointestinal diseases, etc.);
• repatriation;
• dental care.

For the treatment of relevant diseases through an insurance policy, it is recommended to choose insurance program “C” or “D”.

How to choose the right insurance program for applying for a policy in Ukraine?

It is advisable to decide in advance on the purpose of the visit and, in accordance with it, select the necessary options and parameters on the calculator. A competent approach allows you to receive full compensation from the company. Typically, the purposes of the trip are as follows:

How to prepare documents for travel insurance to Ukraine?

Most insurance companies offer clients to apply for an insurance policy online.

Follow the following instructions:

1. We indicate the country to which we are heading. If there are several of them, they must be added to the window in order.
2. We activate additional extensions - sports, work, and so on.
3. We set insurance periods according to departure and return dates for tickets.
4. We indicate your passport details.
5. We enter the personal data of the policyholder: full name, date of birth, contact information.
6. Go to the payment page and pay by card.

Next, the insurance is sent to the specified email address of the policyholder. The document can be printed or saved on your phone.

Methods for obtaining VHI for foreign citizens

Depending on the situation, a foreign citizen has the opportunity to apply for a VHI policy in several ways:

• Independent contact with the insurance company. Now all major insurance companies offer voluntary health insurance policies for sale in certain packages, where

  
  a list of services provided is provided. You can buy such a policy either online or by contacting an office employee. There are no restrictions on the selected company; every foreigner has the right to choose the desired policy independently. In some cases, an employer who has invited a foreign worker under an employment contract can purchase a voluntary health insurance policy.

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• One of the services offered by Russian Post is the instant purchase of a voluntary health insurance policy for foreign citizens. Russian Post cooperates with VTB Insurance to issue VHI. There is also an online program that allows you to obtain a policy online by simply entering reliable data and selecting the desired period of time.

When will insurance fail?

In some situations, it is very difficult to obtain insurance compensation. This is due to the dishonest behavior of the policyholder, with accompanying circumstances and factors. The issued insurance will not work if the insured event occurred as a result of:

• drinking alcoholic beverages;
• active participation in strikes;
• drug use;
• suicide attempts;
• visiting dangerous areas with appropriate notes;
• neglect by the policyholder of personal safety rules;
• driving a car or other vehicles without a driver's license.

If an insured event occurs, the policyholder can follow the instructions provided in the insurance policy. First of all, you need to contact the support center. The victim and his relatives can call. It is important to contact the operators immediately, who will provide further instructions. You can receive insurance compensation after the appropriate costs by providing checks, receipts and a number of other supporting documents.

You can obtain a profitable TZR insurance policy online at Berupolis.