If you work in Russia, medical insurance is mandatory. For foreign citizens, this is most often VHI — Voluntary Health Insurance — which allows you to receive medical treatment in private and public clinics without significant expenses.
Why Migrants Need VHI
Many people only have a basic insurance policy that does not cover treatment, medical tests, or doctor visits. As a result, individuals have to pay for everything themselves — and prices for services in private clinics can be very high.
VHI helps avoid major expenses and ensures access to quality medical care.
What Does VHI Usually Cover?
Each insurance company may offer different plans, but a standard policy usually includes:
- Consultations with a general practitioner and specialist doctors;
- Medical tests and diagnostics (ultrasound, X-rays, etc.);
- Emergency medical assistance;
- Hospitalization (in extended plans);
- Prescription issuance;
- Treatment of colds and acute respiratory infections.
Important: VHI usually does not cover injuries related to hazardous work, treatment while under the influence of alcohol, or chronic illnesses unless explicitly stated in the insurance contract.
Getting VHI takes 5–10 minutes. You will need:
- A passport;
- A patent or work permit;
- Registration (temporary or permanent).
The process is simple: choose an insurance company → select a plan → sign the contract → receive an electronic policy on your phone or via email.
The price of VHI for foreign citizens in Russia varies significantly. The cost depends on:
- The city and region where you work;
- The insurance company;
- The range of medical services included;
- Whether the plan includes hospitalization or only outpatient care.
Basic plans are usually cheaper and cover the minimum required services, while extended policies are more expensive but provide broader access to doctors and medical examinations.
