In today's world, more and more people are aware of the value of compulsory health insurance and prefer not to save money by abandoning it. What is compulsory medical insurance? They call them a system of social guarantees that allow citizens to receive medical care in a timely manner. More information will be presented in this article.
What is compulsory medical insurance?
Why was a compulsory health insurance system created? Its main goal is to provide citizens with timely assistance at the expense of accumulated funds. In addition to the occurrence of an insured event in the form of a disease, the compulsory medical insurance is obligated to finance preventive measures.
What is compulsory medical insurance? This is an integral part of state insurance, which should provide citizens of the country with equal opportunities to receive medical care. The conditions for its provision are prescribed in special programs.
Who should have a compulsory medical insurance policy?
According to the legislation of Russia, the following persons must have a policy:
- all citizens of the country;
- foreigners who temporarily or permanently reside in Russia;
- stateless persons;
- those who are entitled to receive medical care under the Law on Refugees.
Highly qualified stateless specialists and their families are exempted from this obligation. This is regulated by the law "On the legal status of foreigners in the Russian Federation."
Document Validity
Citizens of the Russian Federation, as well as foreign stateless persons permanently residing in the territory of the country, are issued by the compulsory health insurance company without time limits. Those who are entitled to receive medical care in accordance with the Law on Refugees are issued a document for the duration of their stay. Time limits are specified in the respective applications. Persons who temporarily reside in the country may receive compulsory medical insurance for the duration of their registration.
Services provided to holders of compulsory medical insurance policies
What does the (new) mandatory medical insurance policy give? The list of services is described below:
- choice of medical organization;
- guaranteed medicinal and medical assistance in the guaranteed amount upon the occurrence of an insured event;
- the ability to obtain complete information about the types and volumes of services;
- protection of interests and rights;
- the possibility of compensation for damage that has been caused to health in the provision of assistance;
- the choice of insurance medical organization;
- assistance out of turn (for certain categories of citizens);
- choice of a doctor (family and attending).
Free medical care
The program of state guarantees fully talks about what is the compulsory medical insurance. Due to the accumulated funds, the following assistance is provided free of charge:
- Ambulance (exception - airborne medical evacuation).
- Specialized.
- Preventive and primary health care.
- Help in the treatment of diseases included in the basic program.
In addition to the accumulated funds, the system of social guarantees operates due to the appropriations of the budgets of the constituent entities of Russia. Help is provided free of charge:
- Palliative
- For all diseases according to the compulsory medical insurance program.
- High tech.
- To insured and uninsured persons.
- Specialized ambulance.
- For conditions and diseases outside the list, for example, tuberculosis, psychiatry, narcology, etc.
What diseases are included in the list of free medical care?
A list of diseases is prescribed in the specialties for which medical and medical care is provided. Here are the main ones:
- childbirth, pregnancy, abortion;
- endocrine system diseases;
- infections, including parasitic;
- diseases of the nervous system;
- metabolic disorders;
- digestive diseases;
- chromosomal abnormalities;
- subcutaneous tissue, skin diseases;
- disorders of the immune mechanism;
- poisoning;
- injuries
- diseases of the ears, eyes, etc.
Due to budget appropriations, they treat free of charge mental disorders, tuberculosis, sexually transmitted diseases, in particular AIDS and HIV. In addition to the above, the presence of a policy (what is the MHI, was discussed above) guarantees the provision of assistance with disorders in behavior during the use of psychoactive drugs. In order to identify signs of early dependence in minors, conduct preventive medical examinations.
Where to get the compulsory medical insurance policy?
In all regions of our country, you can get a compulsory medical insurance policy. A sample document is presented in this article. Today, 58 different insurance companies operate. There are both large organizations whose branches are scattered throughout the country, and small ones that specialize in one subject. Typically, such companies have the same set of services, so there is no difference where to receive the MHI. Despite this, organizations compete with each other and lure customers. To do this, they create various ratings, promotions and offer their insurers profitable bonuses. But in order to obtain a compulsory medical insurance policy, it does not matter what the company will be. The conditions for obtaining a document are the same everywhere. When choosing an organization, people usually adhere to a geographical and territorial sign, that is, they go where they are closer. Some prefer to work with trusted offices, paying attention to advertising. Most listen to the advice of friends and acquaintances. Often, employees of polyclinics and hospitals refer clients to a specific office, but this is not prohibited by law, so you can safely choose any point of receiving a compulsory medical insurance policy.
What does a compulsory health insurance policy form look like , you need to know for sure. Take a close look at the sample posted in the article above. Compulsory health insurance is an area in which fraudulent schemes very often emerge. Being armed with knowledge, you will not fall into the bait of intruders.
Documents for obtaining a compulsory medical insurance policy
To obtain a policy, persons under 14 must provide:
- SNILS (if available).
- Birth certificate.
- Identification documents of the legal representative of the child.
After 14 years, a passport is issued. Therefore, upon receipt of the MHI policy, instead of a birth certificate, you must provide a document proving the identity of the applicant.
Foreign citizens who permanently live in the Russian Federation also receive a specific MHI policy number. To do this, they provide to the appropriate insurance organization:
- residence;
- SNILS, if any;
- identity document of a foreigner (passport, etc.).
The same list of securities applies to persons who permanently reside in Russia, but who do not have citizenship. The legal representatives of the insured must have a passport and a power of attorney with them. The last document confirms their authority.
It is advisable to choose an organization to replace or issue a policy from the list established by the territorial compulsory medical insurance fund (Sberbank, Rossgostrakh, etc.). This information can be viewed on the official website or in other trusted sources. Independently submit documents can persons recognized as competent, that is, those who are already 18 years old. Citizens who have not reached this age can apply to company offices only with legal representatives, that is, parents, relatives, etc. For example, if the mother wants to insure the child, then a power of attorney is not needed. Guardians and direct relatives are direct legal representatives.
Before submitting documents for obtaining or replacing a policy, make certified copies of your passport, SNILS, etc. As a rule, employees require the provision of such a package of papers.
Very often you can find a temporary MHI policy. It is issued upon a change of surname, etc. This document is valid for no more than a month from the moment of its receipt. The MHI policy number is changing. The document immediately enters into legal force, that is, you can receive medical care on it without fear. The document is prepared for about 30 days, after which the company employees contact the policyholder by phone or email. Requisites customers leave in their statements.
Modern companies provide such a service as compulsory medical insurance policies at home. Only people with disabilities can take advantage of this offer. All detailed information on the schedules of the points of issue and their addresses can be found on the websites of companies. An application for the manufacture and replacement of documents is usually left by telephone.
If customers are not satisfied with the work of company employees, you can leave a written complaint or an oral complaint to the management of the regional or federal office. The rules for compiling these documents are spelled out in special applications.
What you need to know about the MHI policy?
- There are many offices where you can get the MHI policy. Sberbank, for example, issues a universal electronic card, which can be used not only as a passport and OMS policy, but also as a payment bank card, etc.
- In 2011, a single document was created.
- The insured person may have only one MHI policy.
- The document must contain contact information about the QS. It also shows the address and telephone number of the insurance company.
- The company in which the client plans to change the policy should familiarize him with all the rules and conditions of social protection. The employee is obliged to tell in detail about what rights and obligations the insured person has.
Thus, the MHI policy will allow you to receive medical care in a timely manner, so it is better to take care of its registration in advance.