A document that is important for all citizens. It helps you get medical care free of charge. Not a single state medical institution will accept a citizen for free if he does not present a compulsory medical insurance policy. Now this document is issued to a person immediately after his birth. So, in the article presented below, we will find out why a person needs honey. new type policy. Where can I get it? What is he? What are the pros and cons of the document?
The first step is to figure out what kind of document we are talking about. Yes, the compulsory health insurance policy is a document that everyone hears. But what is it for? And what does it represent?
Honey. policy is a small document issued by an insurance company. It allows you to receive free medical care in certain institutions. It indicates the citizen’s account number, which is assigned to him when contacting the insurance company, as well as the owner’s initials. Here you can see when the paper expires. But now the medical policy has several interpretations. You can use the old document, or you can use the new one. What is the difference between these two options?
Are you interested in honey? new type of policy? Where to get it, are you also trying to find out? Do you want to understand how it differs from a regular document that allows you to receive free medical care in certain institutions? Understanding all this is not as difficult as it seems.
The fact is that the new medical policy is an electronic representation of this document. Previously, as already mentioned, it was a small paper medium. But progress does not stand still. And now the compulsory health insurance policy is an electronic card. It is somewhat reminiscent of bank plastic. The owner's details will be written on the card. It works the same way as paper media. Only such a document is more convenient to carry with you. Such a policy has its pros and cons. Which ones exactly?
Let's start with the positive aspects. After all, a new model of a medical policy was invented for a reason! Of course, for the convenience of patients. Paper media is slowly becoming obsolete. Instead of passports, universal personal cards are coming. Insurance companies do the same thing - they develop and issue an electronic form of documents that would be convenient for clients. Among the advantages are:
These are not all the advantages of the document being studied. But the main positive aspects are now known. What disadvantages should you pay attention to before agreeing to produce a card?
There is only one downside to this medical policy. You can’t get it everywhere and not always. This also includes the fact that not every medical institution is ready to serve a client using this card. According to the law, they cannot refuse a citizen, but in practice things are different. It is for this reason that many do not yet want to draw up such documents. Nothing wrong with that. I would like to take honey. new type of policy? Where can I get it? The answer to this question is easy and simple. Citizens themselves have the right to choose where to apply for this document.
But what options for the development of events will be offered to them? Now you can change or initially obtain a medical policy (both new and old models) in several ways: by contacting the insurance company or the MFC. Citizens themselves have the right to choose. Typically, multifunctional centers are used exclusively to replace documents. But the primary receipt remains with the insurance companies. Who has the right to the document?
Replacing honey policy or its initial receipt is a process that is familiar to many. But who has the right to this document? Now they can apply for it:
All of the above categories of persons can, if they wish, receive medical policies of a new type. Or order the old type. Now, as practice shows, electronic cards are issued along with the latter type. Therefore, it is not intentionally necessary to ask the insurance company to issue this type of document.
I needed to take honey. policy? Moscow or any other city - it doesn’t matter where exactly the citizen lives. It is necessary to know not only where to apply for the document being studied, but also to understand what exactly is required to be presented when applying. Adults can exchange or receive a primary policy by submitting the following documents to the MFC or insurance company: passport of a citizen of the Russian Federation, application for issuing a policy, SNILS. If we are talking about foreign citizens, then they must bring almost the same papers to the relevant authorities. We are talking about a passport, an application (usually filled out on the spot), SNILS, a document indicating a residence permit.
Honey. A policy for a child of any type must be issued immediately after the birth of the baby. Otherwise, certain problems may arise with your appointment at the clinic. According to the new rules, you cannot get a policy without SNILS. Therefore, you will have to take this document first. Next, the parents must come with the baby to the insurance company or the MFC (the first option is recommended), after which they present the following documents:
After this, the citizen is issued a temporary health insurance policy for the next month. And after 30 days you can contact the multifunctional center or insurance company (depending on where the application was sent) to pick up the honey. new type policy. Where can I get it and how to do it in this or that case? Answering these questions will no longer be difficult.
By the way, if you want to take only an electronic card, it is recommended to indicate this in the application. If you have a policy, you can additionally produce a new document. To do this, you must attach the previous policy to the previously listed list of papers.
A document confirming that the patient has medical insurance allows him to timely take advantage of the state-provided package of medical services, which will be paid for by the insurance company. Not every person today knows that all variations of the new type of policy existing in the country are equivalent. And the presence of a document of one form or the absence of another cannot cause a refusal of service at the selected institution. How do they differ from each other and which variety has more advantages? We will answer these questions in this article.
Until 2011, there were several formats of compulsory medical insurance policies in the Russian Federation. The most common variety was a green plastic card, which appeared back in 1998. In connection with the current situation, the question arose about streamlining relations in the field of health insurance. At the beginning of 2011, the new Law of the Russian Federation “On Compulsory Health Insurance in the Russian Federation”, adopted on November 29, 2010, came into force. It provided all citizens, without exception, with the opportunity to choose an insurance medical organization according to their preference for further permanent care. Also, the regulatory act marked the beginning of the issuance of insurance policies of a unified state standard, which would be valid throughout the country, regardless of the registration of their owners.
As a result of legislative changes, on May 1, 2011, the issuance of policies of a new format began: a blue paper document printed on A5 format became an alternative to the green plastic card. It received perpetual status (issued to the owner for life). Old options received by citizens before May 1, 2011, which had not yet expired, were also recognized as valid.
Over the next four years, the paper format managed to demonstrate its impracticality. It turned out to be inconvenient for transportation due to its large parameters - bending the document in half was prohibited, since there was a barcode in the very center that could be erased. There were also problems with preserving the forms - rubbing, creasing, contamination, since laminating them was also unacceptable. In order to eliminate these shortcomings, from August 1, 2015, it became possible for Russian citizens to obtain a plastic compulsory medical insurance policy with an electronic chip. Compact dimensions and durable material allow a person to always have an electronic policy with him.
Along with the above option, a universal electronic card (UEC) has appeared, which, in addition to the insurance function, serves as a bank card, pension certificate, etc. Its development is associated with attempts to integrate maximum information about the owner in one device and simplify a person’s access to various electronic services. The card is issued to all Russian citizens over 14 years of age upon personal application.
All the options discussed above, the release of which began after May 1, 2011 - paper, electronic policy and UEC - are valid and equivalent today. They guarantee the same set of free medical services provided for by law and will be maintained until the population completely switches to a single standard.
The blue paper document in A5 format is a form with watermarks, which in size corresponds to half a standard sheet from an album. It is two-sided - each of them contains a list of necessary data about the owner. The front side of the new paper policy contains:
On August 1, 2012, forms began to be issued, the barcode on which was moved from the center closer to the top to avoid erasing the image as a result of folding the sheet. Both options look like this:
On the back, it is possible for a citizen to change the medical organization to which he can be attached - up to 10 times. To do this, you need to provide a form to the clinic and record the changes. When you change your place of residence, it is on the reverse side that new data about the insurance company and its contact information are recorded.
The paper version of the policy cannot be laminated and it is advisable not to bend it. For such a document, a photo of the owner is not required.
The electronic compulsory medical insurance policy is made in the form of a three-color plastic card of a standard size (resembles a regular bank card) and easily fits into a wallet or purse. It contains a chip on which information about the owner is stored. The front side of the new electronic policy contains:
The back of the policy provides the following information:
If any personal data changes, a person needs to contact the employees of their insurance organization to order a new electronic compulsory medical insurance policy. The information contained on the chip cannot be corrected.
UEC is a multifunctional plastic card, the structure of which includes an integrated compulsory medical insurance policy. Using it, you can open a bank account, provide it as a ticket for public transport or as SNILS. It contains maximum information about the owner and frees him from the need to carry many cards in his wallet. Its receipt is not mandatory and is carried out at the request of the person. On the front side of the UEC card are presented:
The back of the policy provides the following information:
There is a magnetic stripe on the back of the UEC. This allows you to use it in terminals and ATMs for withdrawing cash, making non-cash payments, transferring funds, etc.
Each of the forms of insurance policies that are in force today in the country has its own positive and negative features. Based on the ratio of the “pros” and “cons” of the documents, the citizen decides whether to rush to change the paper version to one of the electronic ones and which one to give preference to. The main disadvantage of the paper version is its impracticality in use. But it is compensated by the convenient opportunity to make written changes to the form if a person is assigned to another medical institution.
The electronic compulsory health insurance policy is distinguished by its main advantages - compactness, mobility, strength and wear resistance of the plastic card. It has a high level of security - the presence of a chip, photo and signature prevents the document from being used by another person. Its significant drawback is that not all medical organizations are equipped with special equipment to read information from the chip. Therefore, holders of such documents may be asked by doctors to provide an additional passport. In addition, not all branches of insurance companies are yet able to issue an electronic policy. Additional inconvenience may arise for owners if personal data changes - this will entail the need to replace the card itself.
The UEC is characterized by a generally similar set of “pros” and “cons” as the previous electronic version. Among its arsenal of advantages, it is distinguished by its versatility compared to other forms of insurance documents. But the current level of infrastructure development indicates the presence of a small number of institutions equipped with equipment capable of working with applications built into it.
The transition of the population of the Russian Federation to a new unified electronic medical policy will be gradual. Therefore, citizens do not need to immediately strive to exchange their document as quickly as possible. The issuance of plastic cards is already mandatory for newborns, as well as in the event of a necessary replacement of a damaged or lost policy. All varieties today provide absolutely equal guarantees.
Citizens of Russia have the right to receive free medical care throughout the country, regardless of their place of registration and residence. This right is granted by the Federal Law “On Compulsory Health Insurance in the Russian Federation”, and is guaranteed by the compulsory medical insurance policy. How to apply for a policy, what documents are required and where this can be done in the Moscow region, read the material on the website.
Why do you need a compulsory medical insurance policy?
Source: , press service of "RESO-MED"
If you have a policy, a citizen can seek help from a clinic, hospital, city treatment centers and a number of other medical organizations participating in the compulsory health insurance program. If a resident of the Moscow region has received a policy in the region, then he will also be able to receive additional medical services that are not included in the state basic program - seek medical care for the treatment of tuberculosis, sexually transmitted diseases, mental disorders and behavioral disorders, including related with the use of psychoactive substances.
The full list of services to which an insured citizen is entitled can be found in the Decree of the Government of the Moscow Region “On the Moscow Regional Program of State Guarantees of Free Medical Care to Citizens.” Such resolutions are published annually. You can view the documents.
How to get a compulsory medical insurance policy
Source: Photobank of the Moscow region, Boris Chubatyuk
Obtaining a compulsory medical insurance policy is quite simple. To do this, you need to collect documents, choose an insurance company and submit an application. The policy is issued for 1 month, during which time the applicant is issued a temporary policy under which all guaranteed services can be obtained.
Required documents
To obtain a compulsory medical insurance policy, an adult resident of the Moscow region will need to present a passport and an insurance certificate of compulsory pension insurance (SNILS). To apply for a policy for a child under 14 years of age, you need to provide the child’s birth certificate, the passport of one of the parents (or legal representative, guardian) and SNILS. Foreign citizens must present an identification document with a note indicating permission for temporary residence in the Russian Federation.
Choosing an insurance company
After collecting all the necessary documents, you need to decide on a medical insurance organization (HIO). It is better to choose it at your place of residence, since in this case the policy makes it possible to receive services not only under the basic federal, but also under the territorial compulsory medical insurance program.
Every year, several health insurance organizations participate in the implementation of the Moscow Regional Compulsory Health Insurance Program. Detailed information about insurance companies can be found on the MHIF website in the section register of insurance companies.
Where to apply
You can apply for an OMF policy directly at the insurance company itself, at the clinic to which the citizen is attached, and at the MFC office. In the latter, the service is provided only for children under 1.5 years old.
The procedure for submitting an application for a compulsory medical insurance policy at an insurance company and clinic can be clarified on the websites of institutions or by calling the telephone numbers listed in the register. As a rule, the application form will be provided on site. The employee will take a copy of the passport (main page and registration page) and SNILS.
Issuing a policy
After submitting the application, a temporary medical policy is issued. It guarantees the right to free medical care in the event of an insured event.
The policy itself is prepared within 30 working days from the date of submission of the application and issuance of the temporary document.
Replacement policy
Get a policy Replace [restore]
draw your attention to that if you change your place of residence (another region) or choose another insurance company, the policy cannot be replaced, and the insurance company’s seal is placed on the back of the paper form or changes are made to the electronic compulsory health insurance policy, if there are PIN and PUK codes.
Who will be covered by the compulsory health insurance policy?
To yourself To another person
Documents for registration of compulsory medical insurance policy. Select your population category:
Adult citizens of the Russian Federation (except for military personnel and those equivalent to them)
1. Birth certificate
3. SNILS - certificate of compulsory pension insurance for a child (if available).
1. Identification document (passport of a citizen of the Russian Federation, temporary identity card of a citizen of the Russian Federation, issued for the period of registration of the passport)
2. Identity document of the child’s legal representative
3. SNILS - certificate of compulsory pension insurance for a child
1. A refugee certificate or a certificate of consideration of an application for refugee recognition on the merits, or a certificate from the Federal Migration Service about the acceptance of a complaint against a decision to revoke refugee status or a certificate of temporary asylum in the territory of the Russian Federation
2. Residence permit
1. A passport of a foreign citizen or another document established by federal law or recognized in accordance with an international treaty of the Russian Federation as an identification document of a foreign citizen with a note on a temporary residence permit in the Russian Federation
1. A document recognized in accordance with an international treaty of the Russian Federation as an identification document of a stateless person
2. Residence permit
3. SNILS - certificate of compulsory pension insurance (if available)
1. A document recognized in accordance with an international treaty of the Russian Federation as an identification document of a stateless person, with a note indicating a temporary residence permit in the Russian Federation
2. SNILS - certificate of compulsory pension insurance (if available)
1. Passport of a foreign citizen or other document established by federal law or recognized in accordance with an international treaty of the Russian Federation as an identification document of a foreign citizen
2. SNILS - certificate of compulsory pension insurance
3. Employment contract of a working state - a member of the EAEU
4. A detachable part of the notification form about the arrival of a foreign citizen or stateless person at the place of stay or a copy thereof indicating the place and period of stay
1. Passport of a foreign citizen or other document established by federal law or recognized in accordance with an international treaty of the Russian Federation as an identification document of a foreign citizen
2. SNILS - certificate of compulsory pension insurance
3. A document confirming the person’s relationship to the category of officials, employees of EAEU bodies
Power of attorney and identification document of the representative. To register a compulsory medical insurance policy for minors, a power of attorney from a legal representative is required.
To apply for or reissue (replace) a compulsory medical insurance policy, you must contact the company personally or through a representative. RESO-Med has a large number of policy issuing points, this makes it possible to choose a convenient location and reduce the time for obtaining a document. You can find an office by calling or calling the company’s Contact Center at 8 800 200-92-04.
Compulsory medical insurance policy is a document confirming the right of a citizen to receive free medical care (services) in the scope of the basic compulsory medical insurance program throughout the Russian Federation and the territorial compulsory medical insurance program in the territory of the subject of the Russian Federation in which the compulsory medical insurance policy was issued.
According to 326-FZ, the production of compulsory medical insurance policies of a uniform standard is organized by the Federal Compulsory Medical Insurance Fund of the Russian Federation, and their issuance to insured persons is carried out by insurance medical organizations (IMO) in the manner established by the Rules of Compulsory Medical Insurance.
A compulsory medical insurance policy or, as it is often called, a “medical policy” is necessary not only for receiving medical care. Often, a medical insurance policy or a copy of it is asked to be provided when enrolling a child in a kindergarten or school; when applying for a job, as a rule, the organizers of various sports competitions ask to present a compulsory medical insurance policy.
As for cases of seeking medical help, presenting a compulsory health insurance policy is the responsibility of the insured person, established by federal law (except for cases of emergency care).
Replacing a new policy or reissuing it is required only if the surname, first name, patronymic, date of birth, place of birth, insured person are changed, the information contained in the policy is determined to be inaccurate or erroneous, the policy is dilapidated and unsuitable for further use, or the policy is lost. The insured is obliged to notify his insurance company within a month of changes in his last name, first name, patronymic, place of residence, and identification document details.
With the application for surrender (loss) of the policy, military personnel are presented with the following documents:
1) an identification document (passport of a citizen of the Russian Federation, temporary identity card of a citizen of the Russian Federation, issued for the period of registration of the passport);
3) policy (provided only upon surrender of the policy).
With compulsory health insurance, each citizen can be insured by only one medical insurance organization and have only one compulsory medical insurance policy.
Thus, it does not matter whether you work or not; this does not affect the conditions for the provision and volume of free medical care.
Citizens of the Russian Federation are issued a policy
Foreign citizens and stateless persons permanently residing on the territory of the Russian Federation are issued a paper policy no expiration date
Persons entitled to receive medical care in accordance with the Federal Law “On Refugees” are issued a paper policy with a validity period until the end of the calendar year, but not more than the period of stay established in the documents
Foreign citizens and stateless persons temporarily residing on the territory of the Russian Federation are issued a paper policy with a validity period until the end of the calendar year, but not longer than the validity period of the temporary residence permit
Workers of the EAEU member states temporarily staying in the Russian Federation are issued a paper policy valid until the end of the calendar year, but not longer than the validity period of the employment contract concluded with the worker of the EAEU member state.
Foreign citizens temporarily staying in the Russian Federation, belonging to the category of members of the Commission board, officials and employees of EAEU bodies, are issued a paper policy with a validity period until the end of the calendar year, but not more than the period of execution of their respective powers
Any person who has reached the age of 18 (or has NOT reached the age of majority, but is legally capable) can replace or choose a medical insurance organization (HIO). In this case, the choice of CMO is carried out from the list of organizations published by the territorial compulsory medical insurance fund either on the official website or in other available sources.
Compulsory medical insurance for children from the day of birth until the expiration of thirty days from the date of state registration of birth is carried out by health insurance companies in which their mothers or other legal representatives are insured. After thirty days from the date of state registration of the child’s birth and until he reaches the age of majority or until he acquires full legal capacity, compulsory medical insurance is provided by a CMO chosen by one of his parents or another legal representative.
The application can be submitted in person or through your representative, and the representative must complete power of attorney. There is no need to issue a power of attorney for your legal representative (parents, guardians).
For children
After state registration of birth and up to fourteen years of age, who are citizens of the Russian Federation: birth certificate; identification document of the child’s legal representative, SNILS (if available).
For citizens of the Russian Federation aged fourteen years and older
Identity document (passport of a citizen of the Russian Federation, temporary identity card of a citizen of the Russian Federation, issued for the period of registration of the passport), SNILS.
For persons entitled to medical care in accordance with the Federal Law “On Refugees”
A refugee certificate or a certificate of consideration of an application for refugee recognition on the merits, or a copy of the complaint against the decision to deprive refugee status to the Federal Migration Service with a note on its acceptance for consideration, or a certificate of temporary asylum in the territory of the Russian Federation.
For foreign citizens permanently residing in the Russian Federation
A passport of a foreign citizen or another document established by federal law or recognized in accordance with an international treaty of the Russian Federation as an identification document of a foreign citizen, residence permit, SNILS (if available).
For stateless persons permanently residing in the Russian Federation
A document recognized in accordance with the international treaty of the Russian Federation as an identification document of a stateless person, residence permit, SNILS (if available).
For foreign citizens temporarily residing in the Russian Federation
A passport of a foreign citizen or another document established by federal law or recognized in accordance with an international treaty of the Russian Federation as an identification document of a foreign citizen, with a note on a temporary residence permit in the Russian Federation, SNILS (if available).
For stateless persons temporarily residing in the Russian Federation
A document recognized in accordance with an international treaty of the Russian Federation as an identification document of a stateless person, with a mark on a temporary residence permit in the Russian Federation, or a document of the established form issued in the Russian Federation to a stateless person who does not have a document proving his identity, SNILS (in the presence of).
For the representative of the insured person
Identification document, power of attorney for registration as an insured person in the selected medical insurance organization, drawn up in accordance with Article 185 of Part One of the Civil Code of the Russian Federation.
For the legal representative of the insured person
Identity document and (or) document confirming the authority of the legal representative.
For persons not identified during treatment
The medical organization submits an application for identification of the insured person, containing supposed information about the insured person (last name, first name, patronymic (if any), gender, date of birth, place of birth, citizenship, place of stay), information about the applicant organization (name, contact information, last name, first name, patronymic (if any) of the representative, seal), name of the territorial fund. If a medical organization submits a request to identify an insured person, the territorial fund shall, within five working days from the date of receipt of the request, check whether the insured person has a valid policy in the unified register of insured persons. The territorial fund submits the results of the inspection to the medical organization within three working days.
For workers of the EAEU member states temporarily staying in the Russian Federation
A passport of a foreign citizen or another document established by federal law or recognized in accordance with an international treaty of the Russian Federation as an identification document of a foreign citizen; SNILS; an employment contract of a working state - a member of the EAEU; a detachable part of the notification form about the arrival of a foreign citizen or stateless person at the place of stay or a copy thereof indicating the place and period of stay.
For foreign citizens belonging to the category of members of the Commission board, officials and employees of EAEU bodies located on the territory of the Russian Federation
A passport of a foreign citizen or another document established by federal law or recognized in accordance with an international treaty of the Russian Federation as an identification document of a foreign citizen; SNILS; a document confirming the person’s relationship to the category of officials, employees of EAEU bodies.
The policy is subject to mandatory re-issuance in cases of changes in full name, gender, date and place of birth, about which the insured person is obliged to notify the insurance company within one month from the day these changes occurred. If the policy is lost or damaged, you must obtain a duplicate. Renewal of the policy and issuance of its duplicate is carried out on the basis statements of the insured person , submitted to the CMO. When submitting this application, it is also necessary to provide all the above documents (originals or certified copies).
If you are not satisfied with the actions of the employees of the medical insurance organization in issuing compulsory medical insurance policies, you can submit an oral or written complaint to the regional or federal management of the health insurance company. You can see how this is done in the document “The procedure for appealing decisions, actions and inactions of CMOs carried out during the provision of services for issuing policies”.