Medical insurance for citizens of the Russian Federation in Belarus. Medical insurance for a trip to Belarus Insurance when entering Belarus

Today, almost any company that deals with insurance issues has compulsory vehicle insurance systems in its portfolio. For this purpose, a special Bureau was created, called the “Green Card” (in English Green Card), which approves all tariffs for a specific insurance product.

Do you need a green card for Belarus?

Russians can cross the Belarusian border without obtaining a foreign passport, as well as going through customs control, but when entering this state in their own, corporate or trusted car, they will need to present compulsory auto insurance.

This insurance is called “Green Card” and allows you to eliminate financial losses that occurred as a result of a traffic accident involving a Russian car.

In addition to the availability of insurance, customs officers also must check whether the foreign citizen has documents for the vehicle, a driver’s license, as well as a power of attorney to drive the car if the driver is not its owner.

In this case, it is possible to temporarily register a car after one month of stay on the territory of Belarus.

Registration process insurance policy international format is possible in Russia from any insurer providing similar services. In case of urgent departure, it is possible to obtain a Green Card at the border with Belarus.

The Green Card is a prototype of Russian car insurance, issued by reporting banking organizations for compulsory motor third party liability insurance. This type of insurance is considered necessary not only in the territory Russian Federation, but also in neighboring countries.

According to international requirements and norms, the Green Card is mandatory and provides the policyholder with a number of guarantees in the event of a traffic accident, namely:

• compensation for material damage to a damaged car;
• compensation for expenses related to restoring the health of the injured insured.

Data customs regulations All foreigners who cross the border of another country are required to follow, and Belarus is no exception to this list.

But, it should be noted that now the border with Belarus is almost open for residents of Russia, due to which the procedure for passing customs control and filling out a declaration is significantly simplified. But even despite this, the rules of compulsory car insurance remain unchanged for all foreign citizens.

If a foreigner travels around Belarus without a Green Card and is stopped by the police, he may be fined at least two hundred dollars. If he refuses to pay the fine, he will be immediately expelled from this state.

To avoid such troubles, it is advisable to take care of purchasing such an insurance policy in advance.

Cost of a green card to Belarus

On this moment Currently, the cost of a car insurance policy for Russian citizens planning to enter the territory of the Republic of Belarus is set by the Russian Green Card Bureau.

Every four months there is an increase in the price of the insurance policy, but it is insignificant. This indicator depends on the statistics of insurance payments, as well as on fluctuations in the exchange rate of the ruble against the euro.

It also happens that the tariff remains unchanged. The cost of the insurance policy, as well as the price calculation schedule for the Green Card, are the same for any organization.

The cost of insurance directly depends on:

• the state that the policyholder is going to visit (in this case we are talking about the Republic of Belarus);
• category of the vehicle on which it is planned to cross the Belarusian border;
• period of time spent in a given state.

Of course, the cost of the insurance policy will increase proportionally with the time of stay in Belarus.

You can quickly determine the specific cost of the Green Card using a special online calculator after entering all the necessary data.

Paying for an insurance policy under the “All States” tariff plan will be quite expensive. If insurance is issued for one state of your choice, then its cost will decrease by approximately one third. For example, opening an insurance policy for a passenger car for the Republic of Belarus for 30 calendar days will cost 1,100 Russian rubles, and the tariff schedule for all states for a similar period of time will already cost 4,670 rubles.

A green card with a one-year validity period for the Republic of Belarus costs 9,460 Russian rubles for freight transport, and for the “All States” tariff plan - already 37,120 rubles. Obviously, the difference in finance is very noticeable.

Such a large range is due to the fact that in these states (which includes Belarus) the rules and conditions traffic almost similar to Russian ones. Thanks to this, the driver can feel as comfortable as possible on the road, which in turn significantly reduces the risk of a traffic accident.

Under the terms of purchasing a Green Card, no benefits based on social status are provided: the cost of the policy remains the same for all categories of the population.

Where to buy a green card in Belarus

Before purchasing a Green Card insurance policy, you need to decide from which organization the purchase will be made. Here best choice there will be an insurance organization with a high official rating (denoted as A++).

In order to purchase compulsory international car insurance, you should first find out which insurance companies have a sufficient level of accreditation for this. Not every insurance organization has permission to arbitrarily sell this product.

The main insurers that have sufficient accreditation include members of the Russian Union of Motor Insurers (referred to as RSA).

At the same time, popular opinion is no less reliable. The latter are compiled based on a survey of respondents and reviews of citizens who have already used the service of one or another insurance organization.

Currently operating in the Russian Federation a large number of companies selling Green Cards. An alternative option is to purchase a policy when going through customs control. In this case, the cost of insurance will be higher than in an insurance organization, but at the same time it will begin to operate immediately after registration.

If we talk about leading insurance companies specializing in issuing Green Cards, the following stand out among them:

• construction and industrial Joint-Stock Company"RESO-Garantiya";
• limited liability company "Rossgosstrakh";
• closed joint stock company "21st century";
• limited liability organization "Soglasie";
• joint stock company "ZHASO";
• open joint stock company "Alfa Insurance".

Any of the organizations listed above will be able to issue a green card for Belarus. The main thing is to carefully read all the conditions for issuing car insurance, be sure to read the addendums, which often contain very important information that is not indicated in the contract itself. You will also have to prepare a package of necessary business papers and be patient to complete this procedure.

Russian citizens often visit Belarus. No need to obtain a visa, hospitality local residents and the similarity of the language make Belarus a country in which Russians feel quite confident and calm. But this happens as long as everything is fine with the person.

View of the night capital of Belarus - Minsk

As soon as something unexpected happens, an accident or a threat to life arises, the question immediately arises: where to get treatment and at what cost. Especially when it’s a foreign country around. Some arrange it in advance. And many people wonder: is it needed in such a friendly and close country How's Belarus?

The answer is clear - yes, it is necessary. In fact, since 2006, an agreement was reached between Russia and the Republic of Belarus that Russian citizens, if necessary, should receive emergency care free of charge in Belarusian hospitals, even if they do not have health insurance. But this, unfortunately, only applies to certain emergency cases:

• if a person suddenly falls ill and there is a threat to his life;
• if an accident occurs;
• if a woman unexpectedly goes into labor or there is a threat to her pregnancy.

After a life is saved and the threat has passed, you will have to pay for all other medical services. It is at this moment that the need for an insurance policy will arise. All medicines in pharmacies in Belarus are sold exclusively according to prescriptions, which can only be issued by a doctor, and you will have to pay for taking them. Lately There are outbreaks of dangerous viral diseases on the territory of Belarus, which also necessitates the need for insurance. Many people go to the country on vacation - fishing, hunting, hiking. These types of activities are fraught with injury.

Watch the video: Why do you need medical insurance when traveling abroad?

When crossing the Russian border with Belarus, you will not be asked for insurance, because from the point of view of the Belarusian side, this is not necessary. But Russian laws stipulate that insurance companies must issue a medical policy for those traveling to Belarus for no less than two million rubles. This is considered sufficient to save a person, improve his health and return him home.

Despite all legal requirements, a person’s health is in his hands. And everyone should think about purchasing insurance in order to travel to Belarus and be calm about their health and wallet.

Before making a trip, visit or business trip to Belarus, evaluate your route and the places you will visit, analyze all possible risks. You can quickly buy and arrange insurance.

How to enter Belarus

To visit the Republic of Belarus you must have:

1. Civil passport of a resident of the Russian Federation.
2. Completed migration card.
3. A visa is required only for non-CIS citizens.
4. Children under 14 years of age enter the country with a birth certificate (they must have one).
5. Children over 14 years old cross the border with Belarus using their passport. Find out more on our website.
6. If a child is traveling with one parent, then the other must be certified.
7. In case of transit border crossing, you need permission to enter the country where your final destination is located.

You can find it on the website.

If you are entering Belarus by car:

• during the trip, the driver will need to have a driving license, confirmation of car registration and insurance;
• before entering.

Rules for entry into the Republic of Belarus

Allowed to import: limited quantities of tobacco products, alcohol, wristwatches, leather clothing, jewelry, etc.

If prohibited items are exported, a fine will be charged (60% of their value).

Importing an amount of more than 3 thousand dollars requires filing a declaration.

Features of insurance for foreigners traveling to Belarus:

• the contract must contain the details of the company and basic data of the person being insured;
• the insurance must cover the entire period of a person’s stay in the country and throughout its territory;
• the policy must be for at least 10 thousand euros.

In what emergency cases does insurance pay?

1. Injury or illness.
2. Emergency care for toothache or more serious dental problems.
3. The need for placement in medical institution.
4. Transfer of the patient to Russian territory for further hospitalization.
5. Return of the body to its homeland in case of death.

Additional insurance items

1. If a person, traveling abroad, plans to engage in sports, then he can obtain a policy under which, in the event of a sports injury, he will be provided with assistance and treatment. This could be skiing, motorcycle riding, mountaineering, etc. On the website you can find out more about and.
2. . Insurance can be purchased in case your luggage or documents are lost during a trip to Belarus. In this case, the cost of what was lost will be paid.
3. The inclusion of an article for emergency transportation expenses in the policy provides for payment if you have to return home urgently. This could be the death of a relative. Insurance may also pay out if the transport flight on which you were planning to fly is delayed.
4. You can include an article in your policy that provides legal advice or assistance in case of legal problems.

Factors influencing the cost of the policy

1. The age of the person taking out the insurance. For pensioners and children, the policy will cost more.
2. The number of days determines the price of the policy; the longer you plan to stay in Belarus, the more expensive the insurance.
3. Increasing the number of points for which insurance is provided automatically reduces the loss of personal funds in case of trouble. But when paying for additional risks, the price of the policy, of course, increases.

The cost of a medical policy in Belarus for 7 days

Travelers who travel to the Republic of Belarus for one week can check the price of the policy on the service.

The table shows the cost of a policy with coverage of 35 thousand dollars for one and two travelers.

Voluntary insurance of medical expenses is based on an insurance agreement concluded between the policyholder and the insurance organization, according to which, in exchange for the insurance premium paid by the policyholder, the insurance organization undertakes the obligation to organize and pay for the provision of medical services to the insured person in accordance with the terms of the medical insurance program specified in the contract insurance and compiled according to the preferences of the policyholder.

A voluntary medical expenses insurance policy always protects your health! With a Belgosstrakh policy you are guaranteed: highly qualified health care, coordination of actions in case of need to seek medical help, independence from inflation and rising prices for medical services, no restrictions on the number of requests for medical help, etc.

Belgosstrakh offers various types of medical insurance programs, which, at your request, may include outpatient, inpatient medical care, as well as medication, dental care, etc. In addition, when choosing a medical insurance program, you can choose the medical institutions in which you would like to be served : government and (or) commercial.

An insured event under a voluntary medical expenses insurance agreement is seeking medical services from a health care organization to receive therapeutic, advisory, diagnostic and preventive care for diseases, including chronic diseases, injuries, poisonings and other accidents.

The insurance premium (insurance premium) under an insurance contract for one insured person with an insured amount of 2,000 BYN under a basic outpatient medical insurance program for a period of 1 year will be from 170.00 BYN.

The insurance premium (insurance premium) is calculated individually for each policyholder ( legal entity, individual entrepreneur or individual) and depends on many factors: the insurance program chosen by the policyholder, the sum insured, the number of persons accepted for insurance, their age and citizenship, payment of the insurance premium in installments, the presence of valid contracts for other types of voluntary insurance and other factors.

When concluding an insurance contract with an individual, the insured person fills out a health declaration, on the basis of which the health group of the insured person is determined, which also affects the amount of the insurance premium (insurance premium).

If it is necessary to seek medical assistance for the provision of medical services, the insured person must contact the insurer by phone numbers specified in the insurance contract or the insured person’s card.

1. When applying for medical help, you must provide the following information: full name, policy number (indicated on the card), state the problem (“I’m worried about…”), a convenient date and time of visit, contact phone number.

2. After agreeing with the insurer on a visit to a medical institution, you will be notified of the date, time and place of medical services.

3. When visiting a medical institution, you must have an insured person’s card and passport with you.

To organize and coordinate the provision of emergency medical care after hours, on weekends and holidays Belgosstrakh has a 24-hour assistance service, tel. (+375 17) 395-48-90.

If the medical insurance program provides for medication provision, medications are dispensed free of charge, according to prescriptions issued by a trusted doctor at a consultation that was agreed upon and organized by Belgosstrakh. To receive medications, the insured person must present a prescription and the insured person's card at the pharmacy (pharmacy network) specified in the medical insurance program.

List of pharmacies:

Important information for legal entities!

The amounts of insurance premiums under voluntary insurance contracts for medical expenses are included in the list of payments for which contributions for state social insurance are not charged, including professional pension insurance, to the budget of the state extra-budgetary fund for social protection of the population of the Republic of Belarus and for compulsory accident insurance for production and occupational diseases (clause 5 of the List of payments approved by Resolution of the Council of Ministers of the Republic of Belarus dated January 25, 1999 No. 115).

Insurance premiums under voluntary insurance contracts for medical expenses (provided that the contracts are concluded for a period of at least one year), concluded by insurer organizations with insurance organizations in favor of individuals working in insured organizations under employment contracts, are included by these insurer organizations in costs of production and sale of products, goods (works, services), taken into account for taxation, in an amount not exceeding 5% of the wage fund of the insurer organization and is determined taking into account the amount of monthly insurance premiums for one employee, which cannot exceed two basic values (clauses 1.1-1, 1.2.1, 1.2.2 clause 1 of Decree of the President of the Republic of Belarus dated May 12, 2005 No. 219).

Important information for individuals!

When determining the size of the tax base when calculating income tax from individuals, income received in the form of insurance coverage in connection with the occurrence of insured events under voluntary insurance contracts for medical expenses is not taken into account (clause 1.1.3, clause 1, article 158 of the Tax Code of the Republic Belarus dated December 29, 2009 No. 71-3).

When determining the size of the tax base when calculating income tax from individuals, income received in the form of insurance coverage in connection with the occurrence of insured events under contracts of voluntary insurance of medical expenses (if such contracts are concluded for a period of at least one year) is not taken into account (clauses 1.2 clause 1 of Article 165 of the Tax Code of the Republic of Belarus dated December 29, 2009 No. 71-3 as amended by the Law of the Republic of Belarus dated December 31, 2013 No. 96-Z).

You can get additional information or advice by phone:

Many tourists consider a travel insurance policy to be a waste of money. But the migration legislation of most countries requires travel insurance.

In order to avoid getting into an unpleasant situation at the border, you need to know whether you will need a policy while staying abroad.

Let's find out whether insurance is required in Belarus. And, if so, which one?

The legislation of Belarus stipulates the need for a citizen of another country to have medical insurance when traveling.

However There is also a list of categories of citizens who will not need to contact insurers. This includes:

1. Tourists coming to the country on a transit visa.
2. Diplomats and official delegations.
3. Airline crews and railway personnel.
4. Citizens of the CIS.
5. Refugees.

Thanks to the agreement on the creation of the EAEU in Belarus, citizens of Ukraine, Russia, Armenia, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, and Uzbekistan will be provided with free medical care from January 1, 2017.

In other cases, the availability of insurance may be determined by general provisions legislation or mutual bilateral agreements between states. Behind additional information You should contact the Belarusian Embassy.

What will the compulsory medical insurance policy cover?

State medicine is well developed in Belarus.

And the services of paid commercial clinics are carefully monitored.

Therefore, there are not many private clinics that cooperate with insurance companies. In small cities they may be completely absent.

Therefore, Russians and citizens of other CIS countries can safely recommend visiting the country with an internal civilian medical policy.

Without travel insurance, a traveler is entitled to:

1. Emergency (ambulance) medical care in case of threat to human life;
2. Emergency medical care in case of a health threat.

Planned visits to doctors, of course, are not provided.

However, Belarusian doctors will not leave anyone in trouble.

What will a standard tourist policy to Belarus cover?

What will the travel policy cover?

Standard health insurance for Belarus does not cover all risks, but only some.

A standard insurance policy for a trip to Belarus involves spending the coverage amount on the following services:

1. Medicines prescribed by the doctor (it is advisable to first call the call center of the insurance company and clarify whether the prescribed medicines are included in the list of paid ones. The telephone number is usually included in the insurance policy.
2. Treatment in a hospital.
3. Transporting the victim to a hospital or place of residence. The second option is possible if in Belarus the victim cannot be provided with proper assistance or if the costs of a hospital stay may exceed the cost limit established in the insurance contract.

Medical insurance covers any illnesses that arise during travel in Belarus.

But it cannot be used if the disease (for example, chronic) was present before crossing the border.

Medical insurance does not cover damages from injuries resulting from an accident. For this purpose there is specialized voluntary insurance.

Requirements for citizens of other countries

Travel insurance to Belarus for citizens of non-CIS countries is necessary. She can be checked at the border.

The following requirements apply to medical insurance for travel:

• the amount is not less than the equivalent of $10,000;
• purchasing insurance from Belarusian insurance companies or accredited foreign insurance companies;
• the policy must cover the entire territory of the country;
• the policy must be valid for the entire period of stay.

You can purchase a policy in Belarus itself or via the Internet. The main thing is that the company operates legally.

Car insurance

Those who travel by car will have to purchase insurance for Belarus - the so-called green card.

The answer to the question of whether insurance is needed in Belarus is not so clear-cut. Interstate agreements allow Russians to enter the Republic of Belarus without medical insurance. They can count on medical assistance, but subject to certain features. But motorists must have a policy, since compulsory motor liability insurance issued in the Russian Federation is not valid in the territory of the Republic of Belarus.

Do you need insurance to travel to Belarus?

In 2006, official Moscow and Minsk signed an agreement that regulated the procedure for providing medical care to Russians and Belarusians who found themselves on the territory of the Republic of Belarus and the Russian Federation, respectively. In accordance with its provision (Article 5), these citizens are provided with free medical care in the following cases:

1. Acute pathological conditions that threaten the life of the patient or the health of others;
2. Poisoning and injury;
3. Childbirth and emergencies in pregnant women.

But it is a mistake to believe that medical insurance in Belarus is not needed for Russian citizens. The same intergovernmental agreement stipulates that once the threat to life has passed, further, as well as planned medical care is paid.

That is, medical insurance for a trip to Belarus is not a mandatory document; at the border when entering Belarus they will not ask about it, and its absence will not be grounds for refusal of entry. But if it is necessary to treat a disease that is not life-threatening to the patient, you will have to pay for the treatment out of your own pocket.

Some features

All of the above, including the need to pay for treatment yourself in the absence of health insurance, is true for Russian tourists. But there are other cases in which Russians have the right to free medical service. They will receive it in the same volume and on the same terms as Belarusians if:

1. Permanently and officially reside in the Republic of Belarus;
2. They are temporarily in Belarus on the basis of a concluded employment contract with one of the local organizations.

The main requirement for these citizens is that they reside in the territory of the Republic of Belarus legally, the documents have been drawn up and presented at the medical institution.

What in practice?

In practice, diametrically opposite cases occur. For example, Russians with a desire to buy insurance in Belarus turned to a specialized company located in Moscow. When we were in the Republic of Belarus, we had to go to the regional hospital. The presented policy caused confusion about what to do with it; the doctors did not know; the necessary assistance was provided without it and in full.

Most reviews indicate that in the Republic of Belarus doctors do not differentiate between Belarusians and Russians and willingly provide the necessary medical care without any bureaucracy. But there are also exceptions.

The family, all citizens of the Russian Federation, ended up in a provincial town in the Gomel region. I had to go to the local hospital with suspected appendicitis. There was no medical insurance, but an urgent operation was required, the necessary assistance was provided (appendicitis was removed). But further treatment was carried out on a paid basis, for which I had to pay the equivalent of about $900.

Insurance requirements for a trip to Belarus

Even the purchase of some medications - antidepressants, antibiotics, other medications, especially those containing narcotic substances - will require a prescription from a doctor. And in this case the reception is paid.

And despite the fact that insurance on the border with Belarus is not required to be presented, in order to avoid unnecessary expenses, it is recommended to take out it. Requirements for a policy issued for a trip to the Republic of Belarus:

1. It indicates the insurance company, passport details of the policyholder;
2. Valid throughout the country, from the moment you cross the border until the date of departure;
3. Covers costs from 10 thousand euros.

The indicated amount is sufficient for the vast majority of types of therapy. Moreover, if the treatment involves emergency treatment and a recovery period, the insurance covers the latter. Emergency medical care is provided in accordance with the above intergovernmental agreement.

Medical insurance can be service and compensation. The first option is recommended, in which all costs are covered by the insurer. In the second case, you will have to pay the costs yourself and then claim compensation from the insurance company.

As part of the policy, you can count on the following:

1. Receiving medical care due to an injury or other illness;
2. Dental services in emergency cases;
3. Inpatient treatment;
4. Departure to the Russian Federation on another flight due to hospitalization;
5. Repatriation of the body of the deceased to their homeland.

This is a standard set of services, but additional ones can be provided. It includes sports injuries, loss of luggage and documents, unexpected travel expenses, insurance against travel abroad, as well as legal assistance.

You can take out a policy from an insurance company in Russia. The cost of insurance for Belarus depends not only on the list of services - standard and additional, but also the age of the tourist, length of stay in a friendly country, as well as the desired amount of insurance compensation. The premiums for additional options are insignificant, the price of the policy is significantly lower than when traveling to Schengen countries or the USA.

How to buy insurance to Belarus online?

There are many insurance companies and their intermediaries. All of them are collected on one aggregator website -. On this site you can compare insurance prices and choose best option from the variety of insurance companies offered.

In order to buy insurance online for traveling abroad at the lowest price you need:

1. Go to the website aggregator of insurance offers -
2. Enter travel details: country, travel dates and number of travelers.
   
3. The system itself will select all suitable offers and all you have to do is select an insurance company and click the “Buy” button.
   
   
4. Enter your current data (in accordance with your foreign passport). Click the “Next” button.
   
5. Make a payment in a convenient way(this can be any online banking operating 24 hours a day or electronic payment systems Yandex.Money QIWI, Webmoney).
   

After payment, the insurance policy will be sent to the email specified when filling out the contact information. Also, the insurance policy will be kept in personal account on the site, which will be automatically created after the transaction is completed.

You can also find out the cost of insurance to Belarus using the form below:

Conclusion

There is no need to save on insurance in the Republic of Belarus. As practice shows, such actions can turn against tourists. Savings of several hundred rubles can lead to financial losses of several tens of thousands of rubles or more.