In March 2016, the expert council on insurance of Bank of Russia considered the draft Order of the Bank of Russia on the changes to Voluntary Medical Insurance (VMI) policy requirements for labor migrants in Russia.
The draft Order provides that the insurance amount for medical assistance is not less than 100 thousand rubles per each insured person, and the annual rate is 5.2% (5200 rub.). The insurance covers primary emergency medical care in community and hospital settings, and enables prescribing medicines (except subsidized medicine) and sick leaves.
Insurance for migrants will not cover socially dangerous diseases. It is forbidden to use the policy upon the expiry of 15 days after the purchase of the policy. This is to prevent medical tourism. "Kommersant" agency reports that representatives of migrant associations are protesting: the new tariff would double the expenses of foreign workers in Russia.
The policy does not cover the exacerbation of chronic diseases with the danger to life, and contains a number of exceptions to the list of dangerous diseases - AIDS, cancer, tuberculosis, etc., childbirth and cosmetology are also out of such insurance. In addition, migrant VMI includes the so-called temporary franchise: it is not possible to get the medical care within 15 days from the date of payment for the policy.
As explained by "Kommersant", practices of insurance of migrant workers have shown the need to protect companies from buying a policy and get the treatment of pre-existing diseases. If there is no temporary franchise, insurance risks increase, and it leads to the tariff increase.
Rospotrebnadzor representative expressed the need to include the treatment of tuberculosis in the policy.
The "Kommersant" reported that the Bank of Russia intends to issue an Order on migrants VMI by 1 July.
http://www.kommersant.ru/
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