Health is the most important thing for a person. But health services are expensive, and therefore not accessible to everyone. The MHI policy allows you to use medical care for free. It is only necessary to issue it, and in case of loss immediately restore. What documents are needed to obtain a compulsory medical insurance policy is described in the article.
What is a policy?
The health insurance system was developed by the state in order to maintain the health of citizens and treat them for diseases. MHI insurance is provided to all residents of the Russian Federation, and this is not affected by either status, income, or age.
Compulsory insurance is considered a form of social protection that guarantees free services in insurance situations. The policy is an official document that confirms the right to receive medical care.
The main compulsory medical insurance program consists of:
- diagnostics;
- outpatient treatment;
- inpatient treatment;
- prevention;
- vaccinations;
- purchase of medicines for benefits;
- dispensary observation of children under 18 years.
In addition to the above, the document provides the right to compensation for damage that was caused to sick medical institutions during therapy or diagnosis. If a person does not have health insurance, the clinic may refuse assistance. Exceptions are emergency situations, such as injuries or life-threatening situations. These are the rules of compulsory health insurance.
Who is provided with the document?
A single form of health insurance document is provided free of charge. If a person in any organization takes money for its registration, then this is considered fraud.
The right to insurance is with:
- Russian citizens - children, adults, pensioners;
- refugees from other countries that live in the Russian Federation;
- stateless persons;
- foreign filers.
The policy is provided by insurance institutions that have a license for this type of activity. Insurance has no expiration date. The document does not need to be changed by adults, as well as upon reaching retirement age. The policy must be replaced only if it is unusable, lost.
Rules for obtaining
This procedure does not take much time. But you need to carefully approach the choice of insurance institution and the registration procedure. You can get the policy online. But the service is provided on the websites of some organizations.
Each policyholder has the right to receive an electronic (plastic) insurance policy. It is presented in the form of a bank card with a microchip, on which all information about the owner is recorded. Such a document is much more convenient. Policies are issued in each region of the Russian Federation, where there are branches of institutions from the list of compulsory medical insurance.
Appeal
Citizens do not think about where to turn. The insurance company is selected on a territorial basis. Usually contacted at the place of residence. You should also familiarize yourself with the list of documents for compulsory medical insurance. Indeed, for all categories of citizens there are some differences.
What documents are needed to obtain a compulsory medical insurance policy? Citizens of the Russian Federation should prepare a passport, as well as SNILS. If you issue a compulsory medical insurance policy for a newborn, what documents are needed? It is necessary to prepare a birth certificate, parent's passport.
Writing a statement
Together with the documents, an application is submitted for the receipt of the mandatory medical insurance policy. According to paragraph 6 of the Order on health insurance, it is necessary that the document includes:
- FULL NAME.
- Floor.
- Date and place of birth.
- Citizenship.
- SNILS number.
- Passport data.
- Place of residence
- Place and date of registration.
- Contact information.
- Category of citizen.
- Information about the policy.
The law allows one parent to receive policies for the whole family. But this requires a written power of attorney from adults. To obtain a compulsory medical insurance policy, what documents do foreigners need? In addition to a passport, they need to have a certificate of registration in the country (if specifically, on the territory of the Russian Federation). What documents are needed for obtaining a compulsory medical insurance policy for refugees: a document confirming their status or a certificate from the migration service is needed.
Obtaining a temporary certificate
On the date of submission of the application, the insurer issues a temporary document. It serves as a confirmation that the policy is issued. According to the certificate, you can receive the same medical services that are provided with full insurance.
But the temporary document is valid only 30 days from the date of receipt. When it is ready, employees of the company should inform about it. This is usually done by phone or email.
Receipt of a single sample document
The finished policy is provided at the same company where the application was submitted. The client only needs to put signatures in the magazine. Then a paper is issued, according to which you can get a full-fledged document providing the right to free medical and preventive services in each state institution.
Citizens of the Russian Federation are granted a policy once. It has no time limit. Refugees, foreign nationals, stateless persons are provided with insurance for the period of stay in the country or the duration of the permit.
Where to go
Favorable insurance conditions are provided in the following companies:
- RESO-MED. The organization has been operating in the field of medical insurance since 1992. A network of branches operates in the regions. To date, more than 6 million people use the organization’s services.
- "Rosgosstrakh-Medicine". The company is a subsidiary of Rosgosstrakh. The total number of insured is 21 million people.
- SOGAZ-Med. The insurance company has high ratings. Branches are located in every city in Russia. Conventional and electronic insurance policies are provided. The company can be insured online and order a policy for the workplace.
- "VTB Health Insurance." The company has been operating for over 20 years. The number of insured is about 6 million people. There is a wide network of representative offices in Russia. The company provides legal assistance to insured persons.
- Ingosstrakh-M Branches operate in 19 regions of the Russian Federation. The company resolves various conflicts between policyholders and medical facilities. Clients are offered free advice on services.
Check
It happens that people who follow the news in the field of health insurance fall for scams and buy fake or deducted policies. But there is such a situation that the document is genuine. And the insurance company does not exist. They are invalid, so getting help on them will not work.
Validation of the CHI policy is carried out in several ways:
- Visual. Original documents have a single appearance. They have the following information: full name, personal number, name of the insurance company, seal, barcode. The policy has a special texture of paper and several levels of protection.
- By number. The personal number is present in a single database: you can verify the authenticity online. It must be entered in a special section on the OMS Fund website and click “check”. Verification of the MHI policy can be carried out by number, passport series.
If the document turned out to be false, then it needs to be executed again. You should only contact trusted insurers. Such companies are listed in the official registry of the health insurance fund.
Recovery
Documents can be lost, spoiled.For recovery, you must contact the institution where the insurance was received. You need to take your passport, SNILS with you, and if the policy is required for children, then a birth certificate. After writing the application, a temporary document is issued.
If there is a loss of the policy, then its number is blocked. The processing procedure is the same as with the receipt of the document. A new policy is provided about a month later.
A person has the right to replace a document in the following cases:
- replacement full name and other passport data;
- the presence of errors or incorrect information;
- replacement of an insurance company.
You can change the insurer only after a year from the date of receipt of the policy. The document needs to be issued to everyone, even if there are no serious health problems. After all, unforeseen situations arise suddenly. And the MHI policy provides guaranteed medical care.