Insurance medical policy - This is a state-standard document that gives its holder the right to receive free assistance in medical institutions. This document confirms that all the costs of the service are fully borne by the organization that issued the policy. In order not to raise additional questions about how to get an insurance policy, you should immediately prepare a list of necessary documents and find an organization that will handle all the paperwork.
Who is eligible for a policy?
Before you find out how to get a medical insurance policy, you need to check whether you are on the list of those citizens who are entitled to it. In some individual cases, additional documents may be required when applying.
List of persons who can draw up a document:
- The person who is officially employed by the company. In this case, the organization is obliged to issue a policy to each employee.
- Individual entrepreneurs, lawyers or persons providing notarial services.
- Members of farms.
- A person who does not have an official place of work can also get an insurance policy in special organizations for a fee (to be specified in the insurance issuing authorities).
- Newborns receive the document at the institution where it was issued to their parents.
- Very often, students have a question about how to get an insurance policy. In this case, it is enough to contact the leadership of the educational institution, the document should be issued to each student immediately after he entered the university and paid the full amount of the contract. In the event that the policy has not been issued, the student has the right to write a complaint to higher authorities and obtain a document.
- Guardians of children under three years of age or those caring for children with disabilities. However, when applying, you will need to provide papers that confirm all the powers of the guardian.
- Refugees (subject to a special refugee certificate).
How to get a medical insurance policy: the main stages of the procedure
For unofficially arranged citizens and those cases when you have to independently look for an organization for paperwork for a policy, the following algorithm applies:
- Search for an insurance company that provides this service.
- An application form is required to be completed. Record all data clearly and accurately to avoid errors in the document.
- After applying, the company issues a temporary policy to a person, which will be valid for a period of time until a permanent one is issued.
- Find out where you can get your insurance policy when it is ready. In some cases, you will have to go to state authorities, but basically the document is provided by the insurance company.
- After receiving the policy, be sure to check the correctness of all entered data so that you do not have to change it later.
What documents are required for obtaining health insurance
If you have already found where to get a medical insurance policy, and want to apply, then in addition to the completed form, you must provide the following documents:
- For persons who have not reached the age of majority, a birth certificate and a passport of one of the family members (with personal presence) will be required.
- For adult children - only a passport.
- Upon receipt of insurance, refugees will need a certificate that they recognized him as a refugee and permission to stay in the country. In this case, the policy is issued only for the period of time when a person stays in the state.
- In addition to his ID card, foreigners will need to provide the organization with a residence permit in order to confirm that the person actually lives in the country.
In the event that the guardian wants to draw up a policy for a child or other person whom he is caring for, it will be necessary to provide, in addition to an identity card, documents proving authority. Today you can get insurance without leaving your home. Such a service is provided to persons with disabilities (check with special authorities). Residents of the capital will not need to find out where to get an insurance policy. Moscow is one of those cities where they offer to come home to complete all the necessary documents. When the policy is ready, it will also be brought personally in the hands of the rightful owner.
Where to get a medical insurance policy
Officially arranged persons a document must be provided by the organization. Students are issued insurance immediately after admission to the institute and payment of the contract.
Persons who are not included in these categories can get a policy at special insurance organizations. The production period of the document is one month. The cost of the service must be clarified in the documentation center.
When you need to change the policy
The policy needs to be changed if:
- You have changed your place of residence, name or other personal information.
- In the event that you notice a mistake in your insurance (to avoid such a situation, you must always check the correctness of the entered data).
To change a document, you need to provide a statement with the data on the basis of which you want to do this. The request is processed no more than a month, after which the person is handed a new policy.
How to get a duplicate policy
In some cases, you have to fill out an application for a duplicate of insurance:
- The policy fell into disrepair. This category includes those cases when the document looks too shabby, the data is not visible or it is torn.
- In the event that insurance was lost. You submit an application to special authorities, find out where to get a new insurance policy, and after the period of processing the document you go there.
Why do I need a policy
Health insurance is required for every citizen. This service is optional, but by purchasing it you provide yourself with a number of advantages. The biggest plus is that if you need to contact a medical institution for the provision of services, you have the right to receive free help. In addition, if it suddenly seemed to you that the services provided do not meet the necessary requirements, you can appeal them, thereby protecting yourself from incompetent medical staff. Even if you are not employed at an official place of work, it is strongly recommended that you find out where to get an insurance policy in your area, the cost of the service and arrange it. This is a document that will not be superfluous and will always come in handy.
In order to find out how to get an insurance policy, contact the special documentation bodies for insurance claims. There you will be provided with complete information on the cost, production time and documents that will be needed for registration.
What you need to know about health insurance
- Having a policy gives you the full right to seek free medical care from any government agency.
- The document is valid throughout the country.
- A person has the right to apply for only one policy.
- The document has all the data of the insurance organization.If you have any questions, you can seek advice and get answers to your questions.
- When issuing a document, the organization must familiarize you with all the rights and obligations to use the policy.
In 2011, in May, uniform health insurance was introduced. Those who received policies earlier can not worry - they do not need to change the document ahead of time. It will be valid until it expires. After that, an application is submitted, and you will already receive a new sample health insurance policy.
To summarize: does a person need insurance
It is safe to say that insurance will never be superfluous. No one knows what will happen tomorrow, and when you may need help. In the event that you have a policy on hand, you can save money on medical services. It is especially important for women who plan to have children to have a document. It is no secret to anyone that taking tests, ultrasound and other services - all this is quite expensive. And if you take care of providing yourself with medical insurance, all these costs go to nothing.
It is better to learn in advance how to get an insurance policy, and to draw up all the documents before the urgent need arises. Protect yourself and your health!
