Extracts from the Regulation on Insurance Activities in the Republic of Belarus approved by Decree of the President of the Republic of Belarus as of August 25, 2006 No. 530 (as amended by the Decree of the President of the Republic of Belarus No. 175 dated May 11, 2019)

CHAPTER 15
PROCEDURE AND CONDITIONS FOR IMPLEMENTING COMPULSORY MEDICAL INSURANCE OF FOREIGN CITIZENS AND STATELESS PERSONS TEMPORARILY STAYING OR TEMPORARILY RESIDING IN THE REPUBLIC OF BELARUS

233. For the purposes of compulsory medical insurance of foreign citizens and stateless persons temporarily staying or temporarily residing in the Republic of Belarus, the following basic terms and their definitions apply:

an insurer is a state commercial organization established to carry out insurance activities, to which a special permission (license) has been properly issued to carry out insurance activities that gives the right to implement compulsory medical insurance of foreign citizens and stateless persons temporarily staying or temporarily residing in the Republic of Belarus;

a policy holder is a legal entity or a person who has concluded a contract of compulsory medical insurance of foreign citizens and stateless persons temporarily staying or temporarily residing in the Republic of Belarus (hereinafter referred to in this chapter as a compulsory medical insurance contract);

an insured person is a foreign citizen or a stateless person (hereinafter referred to in this chapter as a foreign citizen), in whose favor a compulsory medical insurance contract has been concluded;

an insurance period is the period of stay of a foreign citizen in the Republic of Belarus, for which a compulsory medical insurance contract is concluded;

emergency medical care is a package of medical services in the event of a sudden occurrence of diseases, conditions and/or exacerbation of chronic diseases in the insured person requiring immediate or urgent medical intervention, unless otherwise provided by international treaties of the Republic of Belarus;

a sudden disease is a sharp deterioration of health of the insured person;

an accident is a sudden, unforeseen event that occurred with the Insured person within the validity period of the compulsory medical insurance contract accompanied by injuries, wounds, mutilations or other damage to health;

medical institutions are state healthcare institutions and/or state medical scientific organizations;

a beneficiary is a medical institution that incurred the cost of providing the Insured with emergency medical care;

an international assistance is a legal entity that organizes the provision of services and payment of expenses to medical institutions for the provision of emergency medical care to insured foreign citizens abroad on the basis of agreements with assistance organizations in states of residence;

a medical assistance is an assistance organization established by a state insurance organization or with the participation of state insurance organizations, in the authorized capital of which at least 50 percent of the shares (stocks) belong to the Republic of Belarus or an organization whose property is in the republican ownership, and which ensures the provision of services and payment of expenses of healthcare organizations for emergency medical care provided to persons insured under voluntary and/or compulsory medical insurance contracts (foreign citizens and stateless persons temporarily staying or temporarily residing in the Republic of Belarus, as well as citizens of the Republic of Belarus);

a receiving party is a person, including an individual entrepreneur, or a legal entity, including persons providing farm tourism services as prescribed by legislative acts, who applied for a visa for a foreign citizen to enter the Republic of Belarus, entering, staying or residing of a foreign citizen in the Republic of Belarus or provided premises for the residence of a foreign citizen, as well as a legal entity or an individual entrepreneur, for whom a foreign citizen carries out work activities.

234. The object of compulsory medical insurance includes property interests related to the infliction of harm to life or health of the insured person, and also to the costs of medical institutions for the provision of emergency medical care.

235. The insured event shall be recognized as the decay of health of the insured person following a sudden disease or an accident, which occurred within the validity period of the compulsory medical insurance contract, which required provision of emergency medical care and entailed costs of medical institutions for its provision.

236. Foreign citizens temporarily staying or temporarily residing in the Republic of Belarus, with the exception of the persons specified in para. 237 of this Regulation, shall have a compulsory medical insurance contract or a medical insurance contract concluded with a foreign insurance organization in case of provision of emergency medical care to them (hereinafter referred to in this chapter as a medical insurance contract).

A medical insurance contract shall:

contain the name of a foreign insurance organization and an indication of its location, the phone numbers of a foreign insurance organization or an international assistance, as well as the surname, first name, and patronymic (if any) of a foreign citizen;

cover the territory of the Republic of Belarus;

be valid within the period of temporary stay or temporary residence of a foreign citizen in the Republic of Belarus;

provide for the insurance coverage of at least 10,000 Euro.

The availability of a compulsory medical insurance contract shall be confirmed by a certificate of insurance, except as otherwise provided herein.

The availability of a medical insurance contract can be confirmed by a certificate of insurance, insurance card or other document containing information about the medical insurance contract defined in part 2 of this paragraph (hereinafter referred to in this chapter as a document confirming the availability of a medical insurance contract).

The certificate of insurance or a notice reproduced as a hard copy provided for in part 2 of para. 250 hereof, or a document confirming the availability of a medical insurance contract are submitted to entry visa issuing authorities to consider an application for a visa. The documents above can be submitted in copies. A document confirming the conclusion of a compulsory medical insurance contract in electronic form may not be submitted to entry visa issuing authorities to consider an application for a visa if the stated authorities possess the information about the compulsory medical insurance contract obtained from the insurer.

If it is not possible to submit a certificate of insurance or a document confirming the availability of a medical insurance contract to the entry visa issuing authority that meets the criteria established in part 2 of this paragraph, a compulsory medical insurance contract shall be concluded by a foreign citizen at a checkpoint on the State Border of the Republic of Belarus.

237. The following persons are not subject to compulsory medical insurance:

heads of state and government of foreign states, heads and members of parliamentary, governmental and other official delegations, technical personnel of these delegations and foreign citizens who arrived in the Republic of Belarus at the invitation of the President of the Republic of Belarus, chambers of the National Assembly of the Republic of Belarus, the Council of Ministers of the Republic of Belarus, the Constitutional Court, the Supreme Court, the Administration of the President of the Republic of Belarus, the State Secretariat of the Security Council of the Republic of Belarus, the State Control Committee, the General Prosecutor's Office, the National Bank, the Property Management Directorate of the President of the Republic of Belarus, the Investigation Committee, the State Committee of Judicial Expertise, the Central Commission of the Republic of Belarus on Elections and the Conduction of National Referendums, republican agencies of state administration, local executive and regulatory agencies, as well as members of their families;

employees of the United Nations and its special institutions documented by United Nations travel documents;

heads and employees of diplomatic missions and consular institutions, employees of the Defense Attaché Office, trade missions of foreign states, as well as members of their families;

heads and employees of representative offices, bodies of international organizations and interstate entities, who enjoy privileges and immunities according to the charter documents of these organizations and entities or relevant international treaties of the Republic of Belarus, as well as members of their families;

persons who constitute a part of crews of civilian aircraft of international airlines, as well as international train crews;

members of foreign military aircraft crews, as well as military personnel of foreign states who arrived in the Republic of Belarus to participate in joint military exercises;

persons staying in the Republic of Belarus to carry out border representative activities;

foreign citizens applying for the refugee status, additional protection or asylum in the Republic of Belarus;

foreign citizens, to whom the refugee status, additional protection or asylum in the Republic of Belarus have been granted;

citizens of states with which international treaties that govern the provision of free emergency medical care have been concluded;

citizens of the Member States of the Commonwealth of Independent States receiving free emergency medical care in accordance with the Agreement on the Provision of Medical Care to Citizens of the Member States of the Commonwealth of Independent States signed in Moscow on March 27, 1997;

foreign citizens who transit through the territory of the Republic of Belarus on international trains, as well as civilian aircraft of international airlines.

238. Insurance organizations providing compulsory medical insurance for foreign citizens and stateless persons temporarily staying or temporarily residing in the Republic of Belarus may conclude compulsory medical insurance contracts at checkpoints on the State Border of the Republic of Belarus.

239. Legal entities of the Republic of Belarus, citizens of the Republic of Belarus, foreign citizens legally staying in the Republic of Belarus, inviting foreign citizens to the Republic of Belarus, may conclude compulsory medical insurance contracts in favor of foreign citizens.

240. The insurance coverage under the compulsory medical insurance of foreign citizens and stateless persons temporary staying or temporary residing in the Republic of Belarus, for the reimbursement of costs to medical institutions for the provision of emergency medical care by them to foreign citizens shall equal to 10,000 Euro.

241. The list of diseases (conditions) in which emergency medical care is required for foreign citizens is established by the Council of Ministers of the Republic of Belarus.

242. Costs of medical institutions do not fall on insured events and are not subject to reimbursement by the insurer, if:

treatment and/or diagnosis are not related to a sudden disease or an accident;

a disease (condition) is related to the effect of nuclear explosion, radiation or radiation contamination or occurred as a result of military actions;

the policy holder, the beneficiary or the insured person performed willful acts that caused the occurrence of the insured event;

a disease (condition) is related to the insured person being under alcoholic intoxication or intoxication caused by the use of narcotic substances, psychotropic substances, their analogues, toxic or other intoxicating substances;

provision of medical services or prescription of medications is not mandatory for diagnosis or treatment according to the conclusion of a medical expert;

provided services are related to burial of the insured or to the delivery of the body to the burial place;

additional accommodations (TV set, air conditioner, video tape recorder and other), as well as services of a hairdresser or a beauty counselor were provided;

emergency medical care was provided due to the disease and/or condition that occurred after the expiry of the validity period of the compulsory medical insurance contract.

243. Upon occurrence of the insured event, the insurer shall reimburse medical institutions the cost of emergency medical care provided by them, as well as expenses for transportation (evacuation) related to the provision of such medical care in accordance with para. 261-269 hereof.

244. In case of death of the insured person, the insurer and/or medical assistance shall pay for the services of emergency medical care provided for saving the human life, as well as expenses for transportation (evacuation) related to the delivery of the body to the State Border of the Republic of Belarus, if required.

245. The issue of coverage of expenses of a medical institution in cases, when the cost of emergency medical care exceeds the insurance amount or a disease (condition) requires continuation of treatment after the direct threat to the life of the insured person or health of the wide public has been eliminated shall be resolved by the insured person, persons who invited foreign citizens to the Republic of Belarus or other citizens and legal entities representing the insured person as agreed with the medical institution.

246. The payment of the insurance premium shall be made in a lump sum for the entire insurance period in cash or on a non-cash basis as a bank transfer by submitting settlement documents or using a bank payment card in accordance with the law.

The insurance premium can be paid both in Belarusian rubles and in a freely convertible currency, as well as in Russian rubles.

247. The insurance period shall be determined for the period of stay or temporary residence of a foreign citizen in the Republic of Belarus and shall be specified in the certificate of insurance.

248. The registration of temporary stay, the extension of the period of temporary stay (registration) of foreign citizens, as well as the issuance of temporary residence permits to them shall be carried out properly only for a period not exceeding the insurance period, except as otherwise provided by legislative acts.

Foreign citizens applying to the citizenship and migration departments of territorial internal affairs bodies shall submit the certificate of insurance, or the notice reproduced as a hard copy provided for in part 2 of para. 250 hereof, or the insurance card.

The certificate of insurance and the insurance card shall be executed in English or in the official languages of the Republic of Belarus and comply with the requirements provided for in the part 2 of para. 236 hereof.

249. To conclude a compulsory medical insurance contract, the policy holder shall address the insurer with an oral statement and inform the surname, first name, patronymic (if any) of the person in whose favor this contract is concluded, as well as the permanent residence, citizenship, period of stay of this person in the Republic of Belarus or fill in an application in the form determined by the insurer on the official website of the insurer on the Internet.

The policy holder shall be liable for the accuracy of the information provided.

250. The compulsory medical insurance contract shall be executed in written by granting the certificate of insurance, which is filled in based on the data, communicated by the policy holder, and in accordance with details of the ID document of the insured person, or electronically through the exchange of documents via the official website of the insurer on the Internet.

The execution of the compulsory medical insurance contract electronically shall be confirmed by the notice of the insurer sent to the policy holder electronically via the official website of the insurer on the Internet using the insurer's electronic digital signature (hereinafter referred to in this chapter as a notice) not later than one calendar day after the payment of the insurance premium by the policy holder.

The notice shall contain the insurer's name and location, phone numbers, number and date of the notice, and also last name, name, patronymic (if any) of a foreign citizen, validity period of the mandatory medical insurance contract and other material terms of such contract. The insurer shall be entitled to specify additional information in the notice.

The policy holder shall reproduce the notice as a hard copy.

The insurer may send electronically information about the compulsory medical insurance contract to the authorities set forth in para. 270 hereof, and to the Ministry of Foreign Affairs following the procedures and within the time limits as agreed with such authorities.

251. If foreign citizens arrive in the Republic of Belarus as part of delegations or groups, the compulsory medical insurance contract shall be concluded in favor of each arriving foreign citizen and the certificate of insurance shall be issued to each insured person.

252. The compulsory medical insurance contract shall come into force from the date of payment of the insurance premium, but not earlier than the date and time, when the insured person crosses the State Border of the Republic of Belarus.

253. The certificate of insurance shall be granted to the policy holder:

upon payment of the insurance premium in cash – simultaneously with such payment;

upon payment of the insurance premium by wire transfer through:

the submission of payment documents – within three business days from the day such funds arrive to the insurer's current (settlement) bank account;

the use of banking payment card – on the day of documented confirmation by the policy holder of such payment.

254. The payment of the insurance indemnity shall be made by the insurer and/or medical assistance on the basis of an insured event act.

To draw up the insured event act, the beneficiary shall submit an invoice indicating the number and date of issue of the certificate of insurance or the number and date of notification, surname, first name, patronymic (if any) of the insured person who received emergency medical care, diagnosis of the disease, treatment period, list of services provided, their cost, as well as the total amount of expenses incurred for all services provided to the insured person. The invoice shall be certified by the signature of the authorized person of the medical institution.

255. The insurer and/or medical assistance may verify the validity of the emergency medical care provided, and then decide on the reimbursement of costs to the beneficiary who submitted the invoice.

The insurer and/or medical assistance shall refuse to pay the insurance indemnity if the beneficiary (insured person) has not fulfilled the imposed obligations to immediately notify the insurer about the occurrence of the insured event, unless it is proved that the insurer has been notified in time about the occurrence of the insured event or the lack of relevant information could not affect the obligation of the insurer to pay the insurance indemnity

256. The decision to refuse to pay the insurance indemnity shall be communicated to the beneficiary by the insurer and/or medical assistance in writing with the indication of the reason for refusal within three business days after this decision has been made.

257. The insured person is entitled to:

demand provision of emergency medical care in accordance with the terms of the compulsory medical insurance contract;

notify the insurer on cases of non-provision of emergency medical care or provision of incomplete or low-quality medical care.

258. The insurer and/or medical assistance may control the fulfillment of the obligations under the compulsory medical insurance contract by the beneficiary.

259. The insured person shall:

have on hand the certificate of insurance or the notice reproduced as a hard copy, and submit it at request of authorized officials controlling the availability of the compulsory medical insurance contract or medical insurance contract among foreign citizens;

in case of decay in health immediately refer to the medical institution and submit the certificate of insurance or the notice reproduced as a hard copy, independently call the telephone number specified in the certificate of insurance and notify the insurer on the occurrence of the insured event. In case a foreign citizen is in a serious condition, the medical officer shall notify the insurer on the occurrence of the insured event;

comply with medical recommendations and bylaws of the medical institution.

260. The insurer shall:

inform the insured person about the terms of the compulsory medical insurance contract and grant the certificate of insurance or send a notice;

organize a fund of preventive measures and a guaranty fund as well as transfer finances of the said funds to the republican budget according to the established procedure;

upon occurrence of the insured event pay the beneficiary the insurance indemnity and expenses for the provision of emergency medical care;

ensure non-disclosure of the insurance information.

261. Emergency medical care to foreign citizens shall be provided without hindrance in all medical institutions in compliance with the conditions established in part 1 of para. 264 hereof.

262. Emergency medical care shall be provided to foreign citizens, unless otherwise specified by the President of the Republic of Belarus, on the basis of the certificate of insurance, the notice reproduced as a hard copy, the information about the availability of the compulsory medical insurance contract submitted by the insurer in accordance with part 5 of para. 250 hereof, or the document confirming the availability of the medical insurance contract.

263. When a foreign citizen applies to a medical institution or if a foreign citizen is transported (evacuated) to this institution, the medical officer shall:

establish the identity of a foreign citizen;

find out whether a foreign citizen has the compulsory medical insurance contract or the document confirming the availability of the medical insurance contract that meets the criteria established in para. 236 hereof in case of providing emergency medical care;

in case a foreign citizen is in a serious condition, inform by telephone number indicated in the certificate of insurance or in the notice reproduced as a hard copy or by the known telephone number of the respective insurer about the admission of the insured person to the medical institution, as well as the number of the certificate of insurance of the specified person provided the foreign citizen has the compulsory medical insurance contract;

inform the medical assistance or insurer by telephone about the admission of the insured person to the medical institution, the name of the foreign insurance organization with which the foreign citizen has concluded the medical insurance contract, the number of the medical insurance contract (certificate of insurance) provided the foreign citizen has the medical insurance contract.

264. If a foreign citizen does not have a compulsory medical insurance contract or a medical insurance contract, as well as in case of impossibility to confirm in written form the right of the foreign citizen to receive free emergency medical care in the Republic of Belarus, the payment of this medical care and expenses for transportation (evacuation) related to the provision of such medical care shall be made in favor of the medical institution that provided such medical care by the foreign citizen at their own expense or – in case of refusal to pay – at the expense of the receiving party in accordance with the price list for medical services approved according to the established procedure and provided by medical institutions to foreign citizens.

Medical institutions have the right to receive without written consent of a person the information about the surname, name, patronymic (if any), registration at the place of residence and/or place of stay, details of documents of identification with respect to foreign citizens and citizens of the Republic of Belarus representing the receiving party from information systems of the Ministry of Internal Affairs upon written request.

The request shall be sent to the citizenship and migration department of the territorial internal affairs body at the location of the medical institution.

The request specified in part 2 of this paragraph may be sent to the Ministry of Foreign Affairs.

265. If the threat to the life of a foreign citizen or the health of others has been eliminated and the transportation (evacuation) of the foreign citizen is possible, the payment for further elective medical care shall be made by the foreign citizen or the receiving party in accordance with the price list for medical services approved according to the established procedure and provided by medical institutions to foreign citizens.

If it is impossible for a foreign citizen to pay for further treatment, as well as in cases where it is impossible for the foreign citizen to make a conscious decision about the state of health and in the absence of accompanying persons, the information about the state of health of the foreign citizen shall be reported by the medical institution to the Ministry of Health for subsequent notification by this Ministry of the diplomatic mission (consular institution) of the country, the citizen of which they are or in which they permanently reside, in order to decide on further treatment in the Republic of Belarus, except as otherwise stipulated by international treaties of the Republic of Belarus.

If the authorized representatives of a foreign state decide on the expediency of continuing treatment of a foreign citizen in the Republic of Belarus, the payment for medical services provided shall be sent by the Ministry of Health to the diplomatic mission (consular institution) of the respective state.

If the diplomatic mission (consular institution) refuses a decision on further treatment of a foreign citizen in the Republic of Belarus within 24 hours, the foreign citizen shall be transported (evacuated) to the relevant country on the terms agreed with the diplomatic mission (consular institution) of this country.

266. The possibility of transportation (evacuation) of a foreign citizen shall be determined by the head of the medical institution or an authorized person.

267. A decision on the transportation (evacuation) of a foreign citizen shall be documented by records in medical documents and signed by the foreign citizen or an accompanying person.

268. The payment for emergency medical care, as well as expenses for transportation (evacuation) related to the provision of such medical care shall be made by insurance organizations and/or medical assistance in accordance with the price lists for medical services approved according to the law and provided by medical institutions to foreign citizens by transfer of the insurance indemnity to the account of the medical institution that provided this medical care.

269. Each case of emergency medical care to foreign citizens shall be registered by the medical institution.

270. The control over the availability of the compulsory medical insurance contract or the medical insurance contract in foreign citizens temporarily staying or temporarily residing in the Republic of Belarus shall rest with the Ministry of Internal Affairs, the Ministry of Municipal Affairs and Housing, and the Ministry of Health.