Best expat health insurance quotes in Russia

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.

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.

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.

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.

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.

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.

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.