Health care is one of the main social spheres of the state, which has recently undergone many transformations of a diverse class. One of the last large-scale transformations, both from the point of view of the economy and in the field of social security, has become the de facto transition from state to insurance medicine, and therefore, in order to receive medical assistance according to a previously formed plan, it is necessary to obtain a compulsory medical insurance policy.
The key difference between insurance and state medicine is that in the first case, the financing of medical care is provided from the budget of the insurance company, which is formed as a result of mandatory payments by all employers. Moreover, exclusively additional financing of the type of services that do not cover the budget of the insurer is made from the state budget. With state financing of health care, the source of material support is exclusively the state.
Prior to the adoption of new legislation on health insurance, which is mandatory, the answer to the question of where to get the MHI policy was clear enough. If a citizen works, then the policy is obtained exclusively through the employer. The old policy is exchanged by the employer for a new insurance document. If the citizen does not work, the compulsory medical insurance policy is obtained exclusively at the permanent place of residence (place of registration). In principle, such a system of medical insurance for citizens can be considered very formal.
Today, in connection with the adoption of new legislation, the question of where to get the MHI policy is being decided differently. To begin with, now compulsory insurance is not tied to the place of work of citizens. Regardless of whether you work or not, health insurance is only available at your place of registration. Moreover, it doesn’t matter at all what your residence permit is (temporary or permanent) - in order to get the MHI policy you need to personally contact the insurance company. Such a system of insurance of citizens is considered the closest to European counterparts.
To solve the question of where to get the MHI policy, first you need to determine the insurance organization that will serve you. The insurer issues a medical policy that is valid indefinitely at the registration address corresponding to the region where the document was received.
As a mandatory supplement to the compulsory medical insurance policy, the insurance company issues a leaflet that must be presented each time you visit the outpatient clinic, clinic, laboratory or hospital. This appendix lists all healthcare facilities to which the insured is assigned. As a rule, these institutions are selected at the closest location to the place of registration. However, if the address of actual residence does not coincide with the address at which registration is registered, you can apply to the insurance company where you decided to get the MHI policy earlier in order to issue a new patient memo.
Replacing an insurance document with medical assistance is necessary in the following situations:
- when changing the place of registration;
- upon change of employer;
- in case the document is lost or damaged;
- when changing the data of a common passport;
- upon expiration of the policy (for citizens of Russia when applying for a single-form policy - not relevant).
In conclusion, we note that the old-fashioned compulsory medical insurance policy continues to operate throughout Russia. The policy of the new single standard does not provide any advantages and privileges.