Compulsory health insurance is considered social protection of citizens of the Russian Federation. That is why every person in our country needs to have a compulsory medical insurance policy, which provides free medical care. A document of a new sample is being used now, and many do not know whether it is necessary to receive it instead of the old one. The validity period of the MHI policy is established by law. It will be discussed in the article.
What it is?
All residents of Russia who have citizenship of the country participate in compulsory medical insurance only with a policy. It is the main document that confirms that a person is an insured person. It is provided in clinics, hospitals, when applying for free medical care.
The document is required when contacting a state clinic. If he is not there, only emergency (ambulance) assistance is provided to the patient, and other types of treatment will be paid. Medical organizations must require a policy due to the nature of their work - after providing services to the insurer, they must invoice.
The presence of a policy is necessary for government agencies to obtain reliable information regarding how many people and at what time want to contact a healthcare institution, and in what condition the medical field is. A document is drawn up during an inpatient stay in a hospital at the request of a medical facility, as well as by proxy. At the same time, the validity of the MHI policy may be different.
Types of policies
The policy used to be issued in various formats - from a printed document to an electronic card. Now the following forms are valid:
- Sheet A5 with information about the insured person, insurance company.
- Plastic card - the name of the person is indicated on the front part, and all information is stored using electronic media.
- Universal UEC card - all information is indicated on an electronic microchip. These policies are not issued in every region of the Russian Federation, but they are valid, as are the previous 2 types.
The simplest type of document is the paper version. Usually, a duplicate card is provided with it, which has the same functions. It is convenient to store paper at home so as not to lose it and not spoil it, and the card is easy to use, moreover, it is always at hand.
Since usually in state organizations there is not enough equipment and tools for electronic processing of information, information is manually copied due to the census on paper. In large settlements with the reception of UEC and the old electronic card there are no difficulties.
Whatever document is old or new, it is divided into temporary and unlimited. The first is usually provided at the time of replacement of the main one. Registration is carried out according to the model, the form of which is uniform for all insurance companies.
Act
What is the validity period of the MHI policy? Since the issuance of documents was carried out at different times and in different localities, the form and duration differ significantly. Since 2011, a universal electronic card system was introduced, which was designed to standardize the health insurance scheme and ensure the transition to a single policy.
During the implementation of the idea, many technical and other difficulties appeared, but now new documents are in effect. However, not all residents of the country changed their policies, many use the old ones. Many do not know when to apply for a replacement. Now a new document is being submitted to persons who receive it for the first time. These include:
- Newborns.
- Persons not registered in the compulsory medical insurance.
How long are old compulsory medical insurance policies? It is indicated on the front of the document. It turns out that there is no single period, it is different for everyone, it all depends on the date of receipt. What is the validity period of the new MHI policy? This document is unlimited, i.e. no expiration date. The second option is more convenient.
When is a replacement required?
Whatever the validity period of the MHI policy, situations arise when it is necessary to replace a document. This usually needs to be done in the following cases:
- Replacing a passport.
- Change personal information.
- Loss of document or damage.
Renewal Rules
Even if the validity period of the MHI policy of a new or old model has expired, it should be borne in mind that this is not a basis for refusing to provide medical services. Emergency assistance to a person should be provided in any case.
People who received the document before 2007 face difficulties, especially when reissuing. If the validity of the old-age medical insurance policy has expired, it must be changed at the organization where it was issued. You can contact another institution in which a person wishes to receive a document.
A policy is usually needed for emergency assistance. If the patient is refused due to the introduction of a new sample, he should contact the hospital management and the insurance company or the compulsory health insurance fund in the region. Replacement is 1-1.5 weeks. If the document is damaged, it is advisable to replace it: the damaged version may not be accepted due to illegibility.
Temporary option
This document is provided at the time the main policy is executed. This is evidence that the paper is in the process of being manufactured. It has the same strength, but for a limited time - up to 30 days. With its provision in medical institutions, all necessary free services should be provided.
How to find out the validity period of the MHI policy? It can be seen on the document itself, since this information is recorded necessarily. You can check the validity period of the MHI policy through an insurance company.
VHI
In addition to the MHI policy, there is also VHI - voluntary medical insurance. The document is provided in electronic card form. The client is issued a VHI card. You can check the necessary information using the reading terminal, which is in large clinics in Russia. The client will be recorded in an electronic database. Today, VHI in Rosgosstrakh is in demand. The company’s policy provides many advantages that are not available to the CHI:
- The client independently selects the list of necessary services and institutions. After all, all people are more in need of certain medical services.
- The VMI includes diagnostic and therapeutic procedures that are not applicable in the compulsory medical insurance. For example, MRI of the knee. And dentistry, in general, is almost 100% paid.
- The second document is renewed itself, if the contract states that the insurer can deduct funds from the client's salary card during the renewal period.
- When VHI does not need to wait in line. This applies to specialist appointments and medical diagnostic procedures.
A policy can be purchased by an individual or legal entity. This nuance is the main difference between VHI and CHI. For example, the company wants to receive additional medical protection for employees. Then VHI will be organized as part of the employee's social package, and the legal entity will be the policyholder.
VHI is great for people with complex chronic ailments that are difficult to treat. Services are suitable for those whose work is risky for health. But with these factors, the price of insurance increases.
Investing in health is considered the best investment. But how to determine which clinics are covered by the VHI policy? This information is in the insurance contract and on the company's website. But modern healthcare facilities, almost all of the country, operate under the new VHI system. You can buy a policy after filling out the form at the insurer's office or after leaving an application on the site. A document may have a validity period, but it can also be unlimited.
Conclusion
It is advisable to replace the old sample with a new one, so that there are no difficulties during registration in the hospital, with the provision of urgent medical care. Although the law does not prohibit the use of the policy of past years, you should get a new option, especially if the old one is already unusable.
It is advisable to change the policies provided before 2007, since technical difficulties arise with their design. Documents issued after this period are valid, although some have an expiration date of 2011. UEC cards do not have a limited period, so they change only with damage, loss or change of personal information.