Every citizen of the Russian Federation, as well as other persons who legally reside in the country but are not its citizens, are entitled to medical care. However, to take this opportunity, you will need to get a health insurance policy. There are two main types of insurance - voluntary and compulsory. Accordingly, policies are also different. Therefore, before talking about where you can get a medical policy, let's figure out how they differ and which one is right for you.
Insurance policy for all
Receiving free medical care is guaranteed by the legislation of Russia to each person. You can exercise this right by contacting any medical institution, not only state or municipal, but also private - of course, provided that this clinic is a member of the compulsory medical insurance system. Also, the place of residence and registration of the citizen does not matter - the insurance policy (medical) is valid throughout the Russian Federation. This is very convenient, because no one is safe from unforeseen situations on vacation, on a business trip or just outside the hometown.
Required medical policy: where to get and what you need
It is very easy to make an MHI policy, for this you need to come to an insurance company (of your choice) and provide a minimum package of documents:
- Citizens of Russia over 14 years old must prepare a passport or a temporary certificate issued before receiving it, and SNILS (of course, if there is one).
- For children, you will need a birth certificate (marked with citizenship), SNILS (if available) and the passport of any of the parents or guardians.
- Foreigners and stateless persons are required to provide a document confirming the right to reside in the territory of the Russian Federation (for example, a residence permit), with an indispensable mark of registration, and SNILS (again, if available), as well as an identity document.
- Refugees and persons equated with them must additionally provide a certificate confirming their status.
Of course, it is best to use the services of a trusted insurance company with a good reputation, but if you do not want to spend time searching for it, you can contact the one located closer to your home or place of work. For example, you can get a medical policy in Moscow using the services of such organizations:
- "Insurance group" Spassky Gate - M ".
- "F-policy."
- OJSC ROSNO - MS.
- "12 policies."
- LLC "MSC" MEDSTRAKH "and others.
It is worth remembering that compulsory medical insurance is absolutely free, and insurance companies are not entitled to demand any fees, commissions or other payments.
What does the MHI guarantee you?
A medical policy takes effect immediately after you contact the insurance company. After submitting the application, an employee of the organization will issue you a temporary certificate confirming the right to receive free medical care, and the document itself will be written out within 30 business days.
The insurance policy (medical) guarantees its owner:
- diagnosis and treatment of various diseases when contacting a clinic or calling a doctor at home (receiving drugs is not included in this program);
- receiving inpatient care - hospitalization for exacerbations of chronic conditions, injuries and diseases requiring isolation according to epidemiological indications;
- assisting in the pathological course of pregnancy, as well as during abortion and childbirth;
- emergency medical care.
What you have to pay
The medical insurance policy includes only the necessary, but sufficient list of indications, however the latter can be expanded using certain services that state medical institutions are entitled to provide for a fee. These may be:
- specialist consultations, research, additional examinations without prescribing a doctor;
- Diagnosis and treatment carried out anonymously (except for HIV / AIDS testing);
- diagnostics, consultations, procedures and manipulations carried out at home (except when the patient cannot visit the medical institution for medical reasons);
- cosmetologist services;
- homeopathic treatment;
- artificial insemination and IVF services;
- dental prosthetics (except for those to whom it is prescribed by law);
- preventive vaccinations (except as provided by the state program);
- stay in a superior room;
- psychologist services.
If you are in doubt whether you are entitled to receive any kind of medical care free of charge, you can contact your insurance company for clarification.
The policy in a new way: whether to change
According to the current legislation, there are 3 types of MHI policy: it can be paper, plastic or be part of a universal electronic card. Each option has its pros and cons, but they have one common quality - they all operate indefinitely and do not require extensions. Replace a medical policy only in some cases:
- if it is marked that it is valid until 01/01/2011;
- if you changed your personal data (f.i.o.);
- in case of loss of a document;
- if the paper form of the policy has become unusable due to scuffs, ingress of water, etc., and has become unreadable;
- if more than 5 years have passed since the issuance of the plastic sample.
VHI policy
If you have a certain amount of funds that you are willing to spend on your health, then it is worth thinking about getting a voluntary medical insurance policy. Of course, this is not so cheap, but the quality of the services provided is incomparable with the "free" medicine.
After acquiring the VHI policy, you will forever forget about the queues in the clinics, the rudeness of the staff and the running around the offices, or about the incomplete or poor-quality examination.
Unlike compulsory medical insurance, a voluntary insurance policy is issued for one year and requires a slightly different list of documents. In addition to the passport, the insurance company will ask you to provide outpatient card from the district clinic, as well as write an application and fill out a short form in which you will have to provide detailed information about yourself and choose a list of medical services that will be included in the contract.
Types and cost of VHI
Depending on the list of services the costs of which are covered by a medical policy, its cost varies. The choice depends on your preferences and the amount available. And there are plenty to choose from:
- Economy - includes services for visiting the clinic, outpatient treatment and call an ambulance. Such a policy does not cover the costs of hospitalization - you will have to pay extra. The cost of such a document is from 12 thousand rubles.
- Standard - from 15 thousand rubles. - covers the costs of diagnosis and treatment by a therapist and specialists, call an ambulance, hospitalization, rehabilitation therapy (physical therapy, massage, etc.), call a doctor at home.
- Dental - from 18 thousand rubles. - This is a standard VHI policy with the “addition” of dental services (except for prosthetics).
- Children - from 18 thousand rubles. - includes all the same as the standard, but due to the fact that children are sick more often, its cost is slightly higher. Such policies differentiate depending on the age of the child - the older he is, the cheaper the form.
- VIP category programs - from 30 thousand rubles.- may include alternative medicine services, any additional research of your choice, expensive diagnostics and treatment, up to organ transplantation.
There are also some other types of VHI policies, for example, for pregnant women, in the event of an accident or involving spa treatment.
What you need to remember when having a VHI policy
Making a medical policy on a voluntary basis, make sure that you carefully study the contract and you have no questions left.
Employees of the insurance company are required to familiarize you with the list of medical institutions whose services you can use. Also, an employee of the company is assigned to you, to whom you can, if necessary, contact around the clock.
If you apply for a VHI policy not only for yourself, but also for family members - feel free to ask for a discount, many insurance companies provide this opportunity.
Despite having a VHI policy, you may be denied insurance coverage if:
- illness (injury) is not an insured event;
- the client deliberately hid the presence of the disease before signing the contract;
- the injury was received in a state of toxic, alcoholic, narcotic intoxication;
- the injury was the result of an offense;
- the injury was self-inflicted intentionally (for example, attempted suicide);
- injury was received during competition or training.
In order to avoid misunderstandings in the future, it would be nice to show the insurance contract to a qualified lawyer before applying for an LCA policy.
Conclusion
Of course, everyone can choose one or another medical insurance policy on their own, but you shouldn’t delay it, because you never know what kind of “surprise” life will bring in the next minute.
It is important to know that emergency medical care should be provided without the presence of a policy, however, only those cases when there is a direct threat to the patient's life apply to it.
