Compulsory Health Insurance Policy (MHI) is one of those documents that are central to a citizen of the Russian Federation. Without this policy, a person will not be able to receive free medical care in the amount indicated in the document. How to get the MHI policy will be described in this article.
What is a compulsory medical insurance policy?
The policy of compulsory medical insurance is a document that gives all rights to receive free assistance to people who need medical treatment and insure themselves. The policy is distributed throughout Russia. The scope of potential services can be provided exactly in the amount provided for in the compulsory medical insurance program.
Thus, if necessary, a citizen of the Russian Federation can be served in a hospital or clinic without spending his own money. All financial part related to treatment within the agreed amount will be withdrawn from specialized funds. These funds are formed from the social contributions of employers.
Where can I get the compulsory medical insurance policy?
To give him a document, a person needs to take a few simple steps. In order to obtain a compulsory medical insurance policy, a working citizen must contact his employer or an insurance company that is entitled to issue such policies. As a rule, employers work with a specific insurance company that provides such services. However, if a worker is not satisfied with a particular organization, he has every right to choose any other organization only if he has a special license that gives him the right to issue compulsory medical policies.
Those citizens who do not have a permanent workplace, as well as children and pensioners, must apply to the point of the insurance medical company that serves their area to obtain a policy. In order to get the MHI policy without registration, that is, without a permanent or temporary residence permit, you must also contact the point of the insurance medical organization in the area where you plan to stay and provide a certificate of unemployment status.
Policy expiration date
The MHI policy can be issued for a certain period of time, as well as for an indefinite period, that is, it can be temporary and unlimited. As a rule, employers or health insurance companies issue perpetual policies. Recently, they issued uniform compulsory medical insurance policies, which cannot be changed at the discretion of a particular insurance organization, as it was before. Not everyone knows how to get a new medical insurance policy. Here it is necessary to do the same actions as in the previous period. In some situations, when a citizen plans to move, or other circumstances arise for him, he may receive a temporary MHI policy. The term is negotiated individually with an insurance company that provides similar services and has the right to draw up medical policies, but, as a rule, it is one year.
Who can count on the policy of compulsory medical insurance?
Citizens with a permanent residence in any region of the Russian Federation are entitled to obtain a compulsory health insurance policy. As mentioned above, the policy is issued by the employer or independently in the process of applying to the medical insurance company.
If a person does not have a residence permit, permanent or temporary, then he is not a citizen of Russia and cannot count on free medical care.If a citizen of the Russian Federation needed medical care, but he is not in the region where the compulsory medical insurance policy was issued, then he also has the right to free care in a hospital or clinic, regardless of the state entity.
What documents will be required
Depending on the person’s age and legal capacity, the law provides for different requirements in order to obtain a compulsory medical insurance policy. However, there is an identical list of documents required for applying for a policy, namely:
- Passport confirming the citizenship of the Russian Federation.
- Application (pre-filled) for obtaining a compulsory health insurance policy.
- Individual insurance personal account number in the pension insurance system.
In the event that the policy is issued for the child, it will be necessary to present his birth certificate and the passport of the father or mother, depending on who will draw it up.
How to replace a compulsory health insurance policy
Depending on the situation, sometimes it is necessary to replace the compulsory medical insurance policy. For example, if you change your name or place of residence, you must return the old document to your insurance company, since it is no longer valid and must be deleted from the database of the insurance medical company. Instead of the old MHI policy, the insurer will issue a new one. In this case, the registration procedure will not differ from the previous one. You will need to provide the same documents that were listed above, only with new data.
If a citizen of the Russian Federation wants to change his former place of work to a new one, then he needs to return his policy to the employer. He, in turn, must return the certificate within ten days from the date of dismissal to the insurance company in which he was registered. After a new place of work is found, a Russian citizen will need to re-obtain the compulsory medical insurance policy. The registration procedure will not differ from the previous one.
Tips for policy recipients
Before making out insurance policy To receive free medical care, you should first study the list of services provided, as well as which diseases will be treated for free. Their list is usually listed on the official website of medical insurance companies, but you can ask the manager who draws up this document to provide all the information of interest. Also on the website of the Federal Fund you can find out the addresses of the points of issue of policies. For example, for each region you can find out how and where to get the MHI policy (Moscow - the addresses of all companies are listed in a special section).
If for any reason the form of the compulsory medical insurance policy has been damaged, it is necessary to contact the employer or the insurance medical company where it was issued and ask for its replacement or issuing a duplicate. The insurer is obliged to familiarize the policyholder with all the rights that the policy holder receives.
It should also be remembered that any changes relating to the compulsory medical insurance policy must be notified in advance (no later than one month) to your insurance company licensed to carry out this activity. All changes in the information relating to the personal data of the citizen who issued the policy occur at the request of the insured.
