VHI: why it's needed, who it's suitable for, and how a partner can earn money from voluntary health insurance
OSAGO RF
OSAGO KR
Civil liability insurance Entry
Civil liability insurance Internal
VHI
16 June 2025
Understanding what VHI is, its benefits for migrants and employers, and how an insurance partner can effectively offer this product through GreenGo
In recent years, interest in VHI — voluntary health insurance — has been growing both among clients and partners.
For the client, it's an opportunity to legally receive medical care.
For the partner, it's a stable, clear, and in-demand insurance product that can be issued in minutes and receive bonuses immediately.
But to effectively sell VHI, it's important to understand how it works, who really needs it, and how to properly offer it. This article covers all of that.
For the client, it's an opportunity to legally receive medical care.
For the partner, it's a stable, clear, and in-demand insurance product that can be issued in minutes and receive bonuses immediately.
But to effectively sell VHI, it's important to understand how it works, who really needs it, and how to properly offer it. This article covers all of that.
What is VHI?
VHI stands for voluntary health insurance. It is not a state program, but a contract between a person and an insurance company under which the insurer agrees to pay for medical services in the event of an insured event.
Important: VHI does not replace a compulsory health insurance policy (if you have one), but works as an alternative or supplement, especially for foreign citizens temporarily residing or working in Russia.
Important: VHI does not replace a compulsory health insurance policy (if you have one), but works as an alternative or supplement, especially for foreign citizens temporarily residing or working in Russia.
Who is VHI especially relevant for?
📌 Foreign citizens (migrants) — to stay legally in the Russian Federation and receive medical care in case of illness, injury, pregnancy, and other cases.
📌 Employers — to comply with legal requirements when hiring foreign workers.
📌 Partners — because it's a stable product with a clear audience and quick registration.
📌 Employers — to comply with legal requirements when hiring foreign workers.
📌 Partners — because it's a stable product with a clear audience and quick registration.
Why is VHI mandatory for migrants?
According to Russian legislation, foreign citizens are required to have a valid VHI policy if they:
The absence of VHI risks deportation, refusal of a patent, and fines for the employer. Therefore, VHI is not "optional" but a necessity.
- are staying in Russia for more than 90 days;
- are applying for a work patent;
- are officially employed by an organization;
- are studying or undergoing treatment.
The absence of VHI risks deportation, refusal of a patent, and fines for the employer. Therefore, VHI is not "optional" but a necessity.
What does the coverage include?
Depending on the tariff, VHI may include:
The list depends on the insurance company and the chosen program.
GreenGo provides ready-made options from different insurers where you as a partner can immediately see what's included in the policy.
- emergency medical care (ambulance, hospitalization);
- outpatient care (doctor's visits, tests, examinations);
- assistance for injuries, exacerbations of diseases;
- childbirth and pregnancy management (under extended programs);
- medications (in some packages);
- issuance of medical certificates, sick leaves, etc.
The list depends on the insurance company and the chosen program.
GreenGo provides ready-made options from different insurers where you as a partner can immediately see what's included in the policy.
What problem does VHI solve?
For a migrant, it's legal access to medicine, confidence in a critical situation, and peace of mind when dealing with government agencies.
For an employer, it's reducing legal risks and complying with the law.
For a partner, it's a simple, clear, and necessary product that is easy to explain and issue.
For an employer, it's reducing legal risks and complying with the law.
For a partner, it's a simple, clear, and necessary product that is easy to explain and issue.
How to issue VHI on GreenGo?
Through the GreenGo platform, you can:
GreenGo is a system where everything is automated: you don't call the insurance company, don't manually re-enter data, don't wonder where to find the policy.
- choose an insurance company and program;
- enter data for one or several clients at once and issue the policy online;
- send it to the client immediately after payment;
- receive your bonus immediately — without waiting or manual reporting.
GreenGo is a system where everything is automated: you don't call the insurance company, don't manually re-enter data, don't wonder where to find the policy.
How to sell VHI to a client?
You can use clear and specific arguments, without "pressure":
"You're working officially in Russia — which means by law you are required to have a VHI policy. Without it, you risk fines, patent refusal, and problems with your employer. I can help you get insurance with the right coverage — it becomes effective immediately after payment, everything is official, and you'll receive the documents by email or WhatsApp."
This approach builds trust and helps explain why insurance is needed. Why do agents choose VHI as an additional product?
Because:
- short transaction cycle — from conversation to payment can be 5–10 minutes;
- stable demand — the flow of migrants and newly employed people is not decreasing;
- repeat sales — policies are renewed every year;
- income without extra workload — issue 1–2 policies a day and you're already earning;
- everything is done remotely — no office, meetings, or paperwork needed.
What opportunities does GreenGo give an agent?
With GreenGo, you:
If you're already a partner — VHI can become an additional source of income.
If you're just starting out — it's a great product to start with, clear and in-demand.
- work only with trusted insurance companies;
- see all terms before registration — no confusion;
- receive bonuses without delays;
- can easily move from VHI to other products (OSAGO, civil liability insurance, microloans);
- receive support and help in non-standard cases.
If you're already a partner — VHI can become an additional source of income.
If you're just starting out — it's a great product to start with, clear and in-demand.
Conclusion
Voluntary health insurance is not just a "medical piece of paper".
It is a mandatory, necessary, and practical product for migrants and employers that an insurance partner can offer easily, professionally, and profitably.
GreenGo — a platform where you issue VHI in 5 minutes, get bonuses immediately, and can scale your sales.
Work with clients legally, conveniently, and effectively.
💚 GreenGo — where your success starts with the right product.
It is a mandatory, necessary, and practical product for migrants and employers that an insurance partner can offer easily, professionally, and profitably.
GreenGo — a platform where you issue VHI in 5 minutes, get bonuses immediately, and can scale your sales.
Work with clients legally, conveniently, and effectively.
💚 GreenGo — where your success starts with the right product.
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