Health insurance quotes in Russia
Compare your health insurance with some of the best known medical insurance companies
Aetna International has been at the forefront of healthcare insurance for more than 160 years. With quality coverage in Russia and other countries, the American insurer caters to global professionals and offers access to over 1.4 million medical providers worldwide, 24/7 member support, and excellent benefits.
The American health services company serves expats and globally mobile individuals in more than 200 international jurisdictions. Cigna Global’s policies are easily customised to coverage and cost requirements and customers can pick from three coverage levels, modular plans and several cost-share options.
The Munich-headquartered financial services company offers international health insurance plans for expatriate students, professionals, couples, and families living in Russia. Depending on the policy, Allianz Care covers everyday medical expenses, emergency treatment, dental, maternity, surgery, and outpatient fees.
Russia has a state-funded public health system that is free to all residents including expats. Funding comes via deductions from salaries. Foreigners are also required to take out additional voluntary healthcare insurance which provides basic coverage. However, the state health system in Russia has been criticized as inadequate so many residents take out private insurance to access private doctors and hospitals.
Short-term visitors have to take out private medical insurance in Russia. Many expats living in Russia also purchase private insurance as it enables them to access the best available healthcare, see English-speaking staff and receive treatment more quickly. There are plenty of private health insurance options for expats, including international health insurance plans which provide coverage outside the country.
If you take out private or international health insurance in Russia, be sure to carefully consider the different package options offered by the various private companies and choose one that meets all of your needs at a good price. Here are a few common health insurance considerations:
1. Does the package cover family members?
Whereas state health insurance automatically covers dependent children, private plans are usually offered to individuals but family and group coverage is an option with most providers. Check to see who offers the best package if this is a must for you.
2. Are there any restrictions, limitations or exclusions on the policy, e.g. relating to age or pre-existing conditions?
Private insurance plans are based on medical history as well as the level of coverage you require. Most policies can be tailored to cover chronic illnesses and pre-existing conditions but you will have to pay a higher premium.
3. What’s a coverage gap and could I be affected?
A coverage gap is any period where you’re not medically insured. This can occur with public health insurance as it’s usually sorted out after you arrive in the country and is dependent on paperwork (residence permits, employment documentation, etc.). You can avoid this worry by purchasing private insurance in advance of traveling to Russia. Check with insurers to find out when you’re covered from.
4. Am I covered while I travel?
With public insurance, you will only be covered when traveling to countries that Russia has a mutual health agreement with, which includes many EU countries. Otherwise, you can purchase overseas coverage with most private insurers or opt for a tailored international health insurance policy that suits frequent travelers.
5. What treatments are covered?
Russia’s public health system is quite extensive but its quality has been questioned. Private coverage will give you access to private doctors and hospitals and you can also extend your plan to include areas not covered by the public scheme, such as dental treatment and alternative therapies.
6. How straightforward is the process for making a claim?
The claims process varies between insurers in Russia. Some have direct agreements with health providers and will pay bills on your behalf, others ask you to pay upfront and them claim a reimbursement. Ask your insurer about this if it’s a concern.