There are two main types of health insurance: mandatory health insurance (rus. OMS) and voluntary health insurance (rus. DMS/ДМС). Most international students are required to have a VHI policy. 

VHI (voluntary health insurance) is a paid insurance policy that international students arrange on their own. It provides a wider range of services. According to the Regulations on the Provision of Medical Care to Foreign Citizens Studying at Immanuel Kant Baltic Federal University, such insurance must meet the university’s requirements (more on this below). 

Obtaining an OMS policy (mandatory health insurance) is possible only for those who have a residence permit (“VNZ”), a temporary residence permit (“RVP”), or a temporary residence permit in Russia for educational purposes (“RVPO”)*. 

If you have a mandatory health insurance (OMS) policy, you simply need to submit a copy of it to the International Office and obtain a special supplementary voluntary health insurance (VHI) policy that covers repatriation costs. 

*If you do not have a mandatory health insurance policy but do have “VNZ”, “RVP”, or “RVPO”, check with the International Office to find out how to obtain one, as well as where you can purchase a supplementary repatriation policy.

1. A medical insurance policy must include at least 3 key points that cover the main risks:

   • outpatient care (including specialised medical care);
   • inpatient care (emergency hospitalization);
   • repatriation costs.

   If you wish, you can add additional options, such as emergency dental services (recommended), coverage for medical examination fees, online doctor consultations (telemedicine), and more.

2. The second important requirement: the insurance coverage amount must be at least 200000 rubles. (Not to be confused with the cost of the insurance policy).

   The insurance coverage amount is the limit within which the insurance company covers the cost of medical treatment, hospitalization, and other emergencies during the policy’s term.

   The higher the sum insured, the broader the scope of coverage and the more medical services can be included in the plan. Extensive voluntary health insurance plans can be particularly useful, for example, if you have chronic conditions; however, keep in mind that increasing the sum insured makes the plan more expensive.

3. The policy must take effect no later than 5 days after payment. When renewing an existing policy, there must be no gap in coverage between the old and new policies.

   When obtaining a voluntary medical insurance policy for the first time (for example, by first-year students or students arriving under academic mobility programs, etc.), the policy must start functioning no later than the next business day after the student’s arrival in the Kaliningrad Region. For this reason, it is recommended to purchase the policy in advance online.

1. Choose an insurance company and a voluntary medical insurance plan that meets your requirements and offers the coverage you need;

2. Prepare the necessary documents and funds to pay for the policy;

3. Contact the designated representative online or at the company’s office in person and provide the name of the selected insurance plan;

4. Once the policy is issued, submit it to the International Office (see below for details).

Please note that the insurance company must be Russian. We recommend choosing a company that has an office in Kaliningrad – this will simplify communication and help resolve urgent issues.

A list of recommended insurance companies is provided below. You can purchase a policy from any company, as long as it meets the university’s requirements.

When choosing an insurance plan, pay attention to:

• the scope of coverage – if it includes the basic options recommended by the university, and what additional services are provided;
• processing time;
• the required documents;
• the insurance coverage amount.

If you have any questions about a specific insurance plan, please contact the person listed in the table directly.

In the absence of abovementioned medical services, the insurance plan will not meet the requirements of the University.

In the event of violation of the regulatory requirements, the University assumes the right to apply disciplinary measures prescribed by the local normative acts of the University.

You can submit your policy in either of the following two ways:

1. By email: Send a high-quality scan or photo of your policy to internationalstudent@kantiana.ru with the subject line “ДМС” from your student email account (stud.kantiana).

   Important: If you do not receive confirmation of receipt within a few days, please contact the International Office!

2. In person: Bring a copy of your policy to the International Office (14 A. Nevskogo St., Campus 2, Office 119).

If an insured event occurs, follow these steps:

1. Find your insurance policy number. It’s usually at the top of the front page of the document (or on the main page of your digital policy). To speed up the process, we also recommend having your passport information ready — you may need it for identification.

2. Call the phone number listed on your policy.

   Most insurance companies have a single hotline. Do not hang up – an operator will answer as soon as they are available.

3. When speaking with the operator, be prepared to provide:

   • your policy number;
   • the reason for your call (what’s bothering you, your symptoms, or your diagnosis, if already known);
   • your preferred medical specialty;
   • a convenient appointment time.

   The more details you provide about your situation, the faster the operator will be able to find a suitable clinic or doctor.

4. Follow the operator’s instructions.

   They will explain the next steps: whether the company will approve the appointment, refer you to a specific medical center, or suggest alternative options.

5. What to do next:

   • If the appointment is approved, the insurance company will send you all the details (clinic address, time, contact information, and referral number). Save this information and come to the assigned hospital’s registration desk with your passport 15 minutes before the appointment time.
   • If the appointment was not approved (for example, due to policy terms or the lack of a suitable specialist in the network), you can make your own appointment with any doctor at a private clinic at your own expense.

   In case of a life-threatening situation, call an ambulance immediately by dialing 112.