Falling ill in an unfamiliar city means losing workdays and money. Long queues at clinics, unclear rules, and being tied to a registration address slow down access to medical help. For labor migrants, voluntary health insurance (VHI) is an excellent solution. With an insurance policy, it’s easier to receive free urgent medical care, choose a clinic and doctor, and avoid unnecessary trips. It’s important to stay updated on migration news and comply with migration laws.
What is VHI and How Does It Work?
VHI is a contract with an insurance company that provides access to a network of partner clinics and a specific list of services. You can get an individual policy or opt for family (group) insurance. After payment, the insurer provides a list of clinics and detailed conditions: where to go, which symptoms require referral, how to make an appointment, and the timeframes for receiving care.
How to Get VHI?
- Choose an insurance company and a program. Compare prices, services offered, and clinic locations.
- Sign the contract and pay for the policy. This can usually be done online or at an office.
- Receive your policy and instructions on how to get help: hotline numbers, clinic addresses, how to call a doctor, and identity verification procedures.
- Use the services according to the program rules: VHI helps you avoid queues and lets you choose your doctor independently.
What to Check Before Buying:
- Which services are included (consultations, diagnostics, treatment, emergency care)
- In which clinics and cities you can get help
- Policy validity period and renewal conditions
- How to make appointments and which documents to present
Why Is This Important?
A VHI policy saves time and reduces the risk of missing work due to illness. This is especially important when you’ve just started a job, moved to a new region, or are waiting for document approval.
Take care of your health, choose the right VHI program, and keep your insurance contacts handy!
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