Health insurance policy. Replacing a compulsory medical insurance policy with a new type policy is not required by everyone and is not urgent. What does the current compulsory medical insurance look like?

In view of the implementation of the program to create a unified information base, a new type of policy has been issued since 2011. The old-style policies remain valid until they are replaced with a new one. An insurance certificate of compulsory medical insurance of a new type (compulsory medical insurance policy), today, can be issued throughout the Russian Federation.

The compulsory medical insurance policy confirms the right of the insured person to receive free medical care as part of the compulsory medical insurance package of services. If you are not satisfied with the insurance company, you have the right to independently replace it once this year until November 1, or more often if you change your place of residence (the region of residence changes). It is worth noting that when changing jobs, there is no need to change the policy, as was the case with old-style documents.

Where can you get a new health insurance policy if you don’t work?

Whether you are a working or non-working citizen, you can choose and submit an application to any medical insurance company in your area of ​​residence.

How to get a new compulsory medical insurance policy in Moscow?

The procedure is quite simple - you need to contact any medical insurance organization and submit an application. During the production of a permanent certificate (within no more than 45 working days), you will be issued a temporary document granting the right to receive medical services in full.

What does the new compulsory medical insurance policy look like?

This document can be presented in the form:

A traditional paper compulsory health insurance policy of a new A5 format, with data placed on both sides. On the front part, in addition to information about the owner and the date of issue of the policy, there is a unique barcode. In addition, a number consisting of 16 digits is indicated on the front side. It is worth noting that lamination of this document is prohibited; a mark must be placed on the reverse side of the document in case of a change in the insurance company. In order to extend its service life, it is not recommended to fold or bend the sheet.

You can check a new sample of the compulsory medical insurance policy through Internet resources, in the same way you can find out your policy number by last name or passport data in the Territorial or Federal Compulsory Medical Insurance Fund.

The procedure for replacing the compulsory medical insurance policy with a new type policy started several years ago. A personal application to a company specializing in health insurance or to the MFC will help you obtain a new type of compulsory medical insurance policy. Alternatively, it can be ordered through a proxy. The preferred form of the received document must be indicated, which is available for:

• people with Russian citizenship;
• people who are citizens of other states but reside in Russia on a permanent or temporary basis;
• refugees;
• persons without citizenship.

It is required to provide its owner with medical care without payment throughout the entire territory of the Russian Federation, giving the right to choose a medical institution, calling on clinics, hospitals, and medical centers to work efficiently and quickly.

What does he look like?

A new policy can be obtained from:

• in the usual form - a paper document with data placed on both sides;
• compact form of a plastic card;
• as part of a universal electronic card (a promising option).

What does the new sample compulsory medical insurance policy look like in paper form? The format of the new document is A5, it is not recommended to bend it, and laminating it is strictly prohibited. The only thing that can be done is photocopies on both sides, which will help extend the life of the original. On the front part there is information about the owner (full name, day, month and year of birth), date of receipt, and a unique barcode. On the reverse side is printed information about the place of residence, the insurance company and its coordinates.

The electronic form is similar to a bank card. All data about who issued it is stored on the CHIP, for this reason, owners of plastic insurance should remember the name of their insurance company in order to provide information in hospitals and clinics. A unique number is also located here. On the reverse side there is a photograph and signature of the owner, the date until which the card is valid. The answer to the question of where to get a new plastic compulsory health insurance policy requires additional preparation related to calling organizations whose activities are related to health insurance. The reason is that not everyone has the technical ability to issue a plastic version.

You can check the authenticity of the paper or plastic version of the policy issued to you on the official resource by entering a unique number in a special search bar. You will need to turn the document with the front side facing you, where the compulsory medical insurance policy number of the new sample is printed, regardless of whether it is made on paper or plastic.

List of documents

The documents for obtaining a new compulsory medical insurance policy are, in principle, the same for everyone:

• a correctly completed application to an organization whose specialization is health insurance;
• a certified copy of a document that can clearly prove your identity;
• a certified copy of SNILS (if available).
• a certified copy of a document confirming the status of “refugee” (certificate of consideration of an application on this issue), a residence permit, an identity document of a stateless person, which contains a mark confirming the legality of residence on the territory of the Russian Federation for foreign citizens, refugees and stateless people respectively.

Having submitted an application for a uniform medical insurance document, the applicant receives a certificate that replaces the policy and gives the right to receive medical care until the registration procedure is completed. This certificate can be used for no longer than thirty working days, after which the original health insurance document in the form chosen by the applicant must be received in person.

Regardless of whether you are a citizen of the Russian Federation or not, obtaining a new compulsory medical insurance policy is quite simple and quick.

Do I need to renew or order a reissue?

First of all, it should be emphasized that all medical insurance documents received in hand, dated January 1, 2011 and earlier, are required to be accepted by any medical institution. Whether or not to change the old version is up to its owner.

It is worth paying attention to the fact that when you receive a new sample document in your hands, you will not find an expiration date on it. Therefore, to the question: “Is it necessary to renew the compulsory medical insurance policy of the new model?” The answer is no, with some caveats:

• There are no restrictions on the validity period of this document for citizens of the Russian Federation;
• for people who have received refugee status, the policy will be valid until the person leaves the country;
• He will help people who have a permit for temporary stay in the Russian Federation to receive medical care free of charge as long as the permit is valid.

Advantages

The new standard compulsory medical insurance policy is valid on the territory of all constituent entities of the Russian Federation, regardless of the residence permit or registration of the owner. For this reason, you must take it with you on any trip within Russia. The new unified compulsory medical insurance policy gives the right to choose not only the doctor providing medical services, but also the medical institution.

The nuances of obtaining a new sample document

As in any business initiated by the Russian authorities, when obtaining a single policy guaranteeing medical care, there are a number of nuances that need to be prepared for.

You can change your insurance company once during a calendar year and strictly before November 1st. The exception is the new owner's registration address.

Insurance is provided by one organization at a time. Accordingly, a person can be the owner of one policy.

If a plastic format is lost or damaged, then only its paper counterpart can be issued to replace it.

The country’s government plans to eventually move en masse to a universal electronic card, which will replace policies (not only old, but also new ones), performing the functions of an identity card, a certificate of pension insurance, etc., opening access to a variety of state and municipal services in any region Russian Federation without payment.

Is it urgent to issue a new compulsory medical insurance policy, electronic and paper versions of health insurance, advantages and disadvantages of each option?

In order to be able to use free medical care in clinics and hospitals, the patient must obtain a policy.

Currently, both the new compulsory medical insurance policy and the old version of insurance are considered valid.

Not all Russians have received updated insurance documents yet, so many do not know what they look like, what versions are offered by insurers today, and whether there is a fundamental difference between them that affects the quality and volume of services provided.

You will learn all this from our article.

Why did they start issuing a new type of compulsory medical insurance policy?

The first medical insurance was a form and a green plastic card.

They began to be issued 21 years ago, and many citizens still use just such confirmation of the presence of compulsory health insurance.

In 2011, a new law gave Russians the opportunity to choose their own insurer.

In addition, insurance policies began to be issued according to a single model, and their coverage extended to all regions of the country without reference to the place of registration.

In the same year, after changes in the current legislation, a new type of paper compulsory medical insurance policy appeared - a blue form in A5 format.

Such a document is unlimited, that is, issued forever. Old policies are still considered valid and there is no need to change them.

By 2015, the paper forms that patients often had to carry with them had become worn out.

Having an important bar code in the very center of a large piece of paper and not having a laminated surface resulted in rapid abrasion, staining and other damage that rendered many insurance documents unreadable.

On August 1 of the same year, it was decided to release plastic analogues equipped with electronic chips. The new plastic compulsory medical insurance policy turned out to be much more practical.

All Russians appreciated the compactness and strength of the card. It is convenient to carry in your pocket, difficult to get dirty or accidentally ruin.

At the same time, the release of a universal electronic card (UEC) was launched. Such a card, along with many other types of information, also contained information about the owner’s medical insurance.

In fact, one UEC could replace a policy, a passport, a bank card, and other important documents.

What has changed externally

All three options for insurance documents mentioned above are valid.

They confirm that their owner is insured and has the right to use the range of medical services provided for by the main insurance program.

Let's consider each of the options in more detail.

Paper form

The A5 sheet, painted blue, is protected with watermarks. The form is double-sided, and on each side you can find important information about the insured patient.

The front side contains:

• Full name, date of birth of the person, his gender;
• 16-digit individual number;
• insurance validity period.

Also here are the coat of arms of the Russian Federation, a hologram, and a barcode, which determines the data on a citizen registered in the compulsory health insurance system.

In the updated forms, the barcode was moved from the middle of the sheet to the top so that when the sheet is folded in half, it does not fray.

On the other side of the paper document you can see:

• information about the insurer indicating the address and contact telephone number;
• signature of the head of the medical organization;
• seal.

There is also enough space to add additional information. In particular, if the patient decides to change insurer, the new data will be entered on the same form. For this purpose, 10 empty columns are left.

The photo is not placed on the form. It is not laminated, so bending it is not recommended.

The electronic compulsory medical insurance policy is a three-color card of standard size. Information about the insured person is stored in the chip.

The front side contains the following:

• 16 digit number;
• name of the insurance company;
• coat of arms of the Russian Federation;
• logo of the compulsory MS system;
• electronic media.

Specific information about the insured is located on the reverse side. This:

1. Full name, gender, date of birth;
2. photography (for persons over 14 years old);
3. his signature.

Here you can also find the date until which the card is valid (issued for only 5 years), the telephone number of the compulsory medical insurance fund that issued the policy, and, as confirmation of the authenticity of the document, a hologram.

The information embedded in the chip cannot be corrected. Therefore, if there are any changes to the data, you will have to order a new card.

The issuance of UEC was discontinued a couple of years ago, but holders of such a card can continue to use it until its expiration date.

Using such a document, you can open bank accounts, pay for travel on public transport, use medical services, presenting it as insurance.

The front side of the UEC contains:

• individual number,
• electronic medium of the owner’s personal data,
• logos of the bank that services the card and the institution that issued it,
• name of the payment system,
• image of the Russian coat of arms,
• protective numbers.

The personalized reverse side of the UEC makes it possible to see the following:

• owner's photograph
• his full name, gender, date of birth,
• signature,
• numbers of all personal documents linked to the card: SNILS, bank card, insurance,
• telephone number of the organization issuing the document,
• month and year of expiration of the UEC validity period.

There is also a magnetic strip used to read personal data.

Pros and cons of each option

Each of the forms of medical insurance existing today has its own advantages and certain disadvantages. Everyone must decide for themselves what disadvantages they are willing to put up with and which option is more convenient for them.

A paper form is impractical to use. But it eliminates the need to constantly change documents when changing insurers.

Each patient has the right to change insurance organization once a year, and if he has paper insurance, he can simply add another insurer to the same policy without changing it.

An electronic card is more compact, convenient, durable and wear-resistant. It is securely protected and eliminates the risk of being used by another person.

However, some clinics still do not have equipment to read data from the chip, so cardholders often have to carry a passport with them. And not all branches of insurers issue the card itself.

Also among the disadvantages of the electronic version of health insurance, it is necessary to note the impossibility of changing data. If the insured person changes his address, last name, or decides to seek services from another company, he will have to change the policy.

The UEC has the same pros and cons as the electronic version. Its only difference lies in its versatility, which greatly simplifies life and expands possibilities.

But since such a card is no longer issued, there is no point in stopping your attention on this option. Those who already have UEC will probably use it until the very end.

Conclusion

The transition of Russians to a new type of compulsory medical insurance policy is a smooth process and not limited in time. There is no point in rushing to exchange if your data has not changed and the paper form or electronic card is in good condition.

Currently, new insurance documents are required to be issued to newborns, as well as to those who have lost or damaged the old form or card.

You can continue to use your old health insurance options or exchange them on your own initiative by writing an application at the office of the company you have chosen.

Both options are equivalent and guarantee the same volume of medical services in Russian clinics. You just need to decide which version is convenient for you and which insurer you want to use next.

Do I need to change my old compulsory medical insurance policy to a new one?

Citizens of Russia have the right to receive free medical care throughout the country, regardless of their place of registration and residence. This right is granted by the Federal Law “On Compulsory Health Insurance in the Russian Federation”, and is guaranteed by the compulsory medical insurance policy. How to apply for a policy, what documents are required and where this can be done in the Moscow region, read the material on the website.

Why do you need a compulsory medical insurance policy?

Source: , press service of "RESO-MED"

If you have a policy, a citizen can seek help from a clinic, hospital, city treatment centers and a number of other medical organizations participating in the compulsory health insurance program. If a resident of the Moscow region has received a policy in the region, then he will also be able to receive additional medical services that are not included in the state basic program - seek medical care for the treatment of tuberculosis, sexually transmitted diseases, mental disorders and behavioral disorders, including related with the use of psychoactive substances.

The full list of services to which an insured citizen is entitled can be found in the Decree of the Government of the Moscow Region “On the Moscow Regional Program of State Guarantees of Free Medical Care to Citizens.” Such resolutions are published annually. You can view the documents.

How to get a compulsory medical insurance policy

Source: Photobank of the Moscow region, Boris Chubatyuk

Obtaining a compulsory medical insurance policy is quite simple. To do this, you need to collect documents, choose an insurance company and submit an application. The policy is issued for 1 month, during which time the applicant is issued a temporary policy under which all guaranteed services can be obtained.

Required documents

To obtain a compulsory medical insurance policy, an adult resident of the Moscow region will need to present a passport and an insurance certificate of compulsory pension insurance (SNILS). To apply for a policy for a child under 14 years of age, you need to provide the child’s birth certificate, the passport of one of the parents (or legal representative, guardian) and SNILS. Foreign citizens must present an identification document with a note indicating permission for temporary residence in the Russian Federation.

Choosing an insurance company

After collecting all the necessary documents, you need to decide on a medical insurance organization (HIO). It is better to choose it at your place of residence, since in this case the policy makes it possible to receive services not only under the basic federal, but also under the territorial compulsory medical insurance program.

Every year, several health insurance organizations participate in the implementation of the Moscow Regional Compulsory Health Insurance Program. Detailed information about insurance companies can be found on the MHIF website in the section register of insurance companies.

Where to apply

You can apply for an OMF policy directly at the insurance company itself, at the clinic to which the citizen is attached, and at the MFC office. In the latter, the service is provided only for children under 1.5 years old.

The procedure for submitting an application for a compulsory medical insurance policy at an insurance company and clinic can be clarified on the websites of institutions or by calling the telephone numbers listed in the register. As a rule, the application form will be provided on site. The employee will take a copy of the passport (main page and registration page) and SNILS.

Issuing a policy

After submitting the application, a temporary medical policy is issued. It guarantees the right to free medical care in the event of an insured event.

The policy itself is prepared within 30 working days from the date of submission of the application and issuance of the temporary document.

Replacement policy

Every resident of the Russian Federation falls under the state program of compulsory health insurance (CHI). However, he can exercise his right to free medical care only if he has an insurance contract. Several years ago, the form of filling out and the type of this insurance changed somewhat. How is it possible to replace a compulsory medical insurance policy with a new type of policy today?

Is it necessary to change the compulsory medical insurance policy to a new type policy: latest news for 2020

Recently, the Moscow Compulsory Medical Insurance Fund announced that it was suspending the issuance of new-style policies until January 2020. Because of this, a rumor appeared that everyone needs to urgently change their old-style compulsory medical insurance policy to a new one before November 1, 2018, otherwise there will be problems with the provision of medical services.

On October 26, an explanation came from the Compulsory Medical Insurance Fund, namely, it states that all policies are issued for an indefinite period and medical care under them can be obtained without any restrictions. Until November 1, you can apply to change the insurance company servicing your compulsory medical insurance policy if the quality of its services does not suit you. This can be done once a year. Therefore, dear readers, there is no need to urgently change your policy.

The text of the press release is below:

Do I need to change compulsory medical insurance when changing my registration?

Art. 51 clause 2 of the Federal Law “On Compulsory Health Insurance in the Russian Federation” regulates that all policies issued on the territory of the Russian Federation before 05/01/2011 are valid until they are replaced by a single format. Thus, the insurance you have in hand does not have to be changed until its validity period comes to an end.

However, in some circumstances the policy must be replaced without delay. For example, in the event of a change of place of residence, personal data or loss of insurance, it may be considered invalid. If outdated information remains in the compulsory medical insurance policy, the citizen may be denied medical care.

It is worth noting that there is no need to replace the compulsory medical insurance policy in case of a temporary change of place of residence, a short-term departure or a long business trip. But in case of change of registration, obtaining a new insurance contract is a mandatory condition.

Types of insurance documents

Section III of the Rules of Compulsory Health Insurance contains uniform requirements for the preparation of an insurance document, describes its types and information that must be provided in it. In 2020, citizens have several types of them in their hands:

• on blue A5 paper;
• in the form of a plastic card with a chip containing information;
• as part of a chipped universal electronic card (UEC).

Since January 1, 2017, the issuance of UEC in the Russian Federation has been suspended. This card is no longer considered a mandatory tool for the provision of state and municipal services. Previously, when it was necessary to replace the contract, the insured person received new insurance as part of the UEC. This card can additionally be used when contacting government services, as a bank card, as well as an electronic wallet and travel ticket.

Currently, two types of policies are issued in the Russian Federation: paper and plastic. If we talk about durability and compactness, then the latter option wins. However, given that many medical institutions still do not have special equipment to read information from the card, the paper form is more convenient to use.

New sample policy and its features

The phrase “new model” should be understood as two innovations:

• an updated form for filling out a paper form, which was introduced in 2011;
• electronic plastic card, which has been issued since 2014.

New contracts with the insurer on a paper basis were issued with a validity period until 2014, so today they are no longer valid. Citizens can contact the insurance organization for a new paper copy or for a chipped electronic card. Plastic cards, which have been issued since 2014 and are issued by insurers, do not have an expiration date.

Validity

Medical insurance policies differ not only in type, but also in terms of validity. In 2011, new documents began to be issued in Russia, but the old existing agreements are still valid. Medical insurance validity period:

1. Most old insurance contracts were issued for a certain period. The end date is indicated on its front side. When it arrives, the citizen receives a new contract.
2. The contracts of the new uniform sample are unlimited. Of course, this is very convenient. However, there are a number of circumstances under which they are subject to mandatory replacement.

There is no point in delaying the renewal of expired insurance, although health workers do not have the right to refuse to provide services in an emergency. As soon as the contract expires, you should select the appropriate insurance organization and issue a new one. This service is provided free of charge.

Replacement procedure

If you have valid old-style health insurance, there is no need to replace it. However, in some cases it is necessary to re-register it. How to change the policy? The procedure looks like this:

• The first stage and a very important aspect is the choice of an insurer. In this matter, you need to be guided by the reputation of insurance companies and reviews of their clients. When replacing a policy, the policyholder usually contacts the organization where he received the previous one;
• then you need to visit the insurer’s office and fill out an application in which you should clearly state the reason for the re-registration. At the same time, you need to carefully ensure that there are no errors in it;
• At the appointment with the insurer, the client must present an identity card to the employee. As a rule, this is a civil passport;
• the policyholder must present his personal account number;
• after consideration and acceptance of the papers, the applicant is issued a temporary certificate, which has the same force. Its validity period is no more than 30 days;
• The policyholder must obtain new insurance within 30 days. At the appointed time, he comes to the insurance company to receive it. Before you pick up the paper, it is better to make sure that all the information is true.

Soon, citizens of the Russian Federation will be able to obtain a compulsory medical insurance policy through government services. Currently, online issuance of health insurance is being tested - a trial version is open to residents of St. Petersburg.

Required documents to receive

In order to replace a compulsory medical insurance policy, a citizen must provide the insurer with the following documents and information:

• passport;
• application for replacement indicating the reason;
• individual personal account insurance number (SNILS);
• old insurance, if it has not been lost;
• the child’s birth certificate and the identity card of his legal representative, if the insurance is issued for a minor.

If compulsory health insurance is issued for a child under 14 years of age, then presentation of SNILS is not a prerequisite for receiving it. In the event that another person, rather than a legal representative, acts on behalf of the insured person (for example, not a mother or father, but a grandmother or grandfather), a power of attorney will be required. This is regulated by the Rules of Compulsory Health Insurance.

It is possible to re-register compulsory medical insurance online. On the EMIAS website you can see points for issuing and replacing compulsory medical insurance policies, which accept applications for a contract directly through this electronic resource.

Points for issuing and replacing compulsory medical insurance policies in different regions of the country can be found on this website.

Registration deadlines

As a rule, the period for issuing insurance does not exceed 10 days. Insurance companies issue a new document within 1-1.5 weeks, depending on workload.

Clause 50 of the Rules of Compulsory Medical Insurance stipulates that the period for issuing an insurance contract cannot exceed the validity period of the temporary certificate issued during the acceptance of documents. Thus, the maximum duration for producing a new document is 30 days.

If compulsory medical insurance is issued through the MFC, then the time frame for receiving it may increase by a couple of days. This occurs due to the document being sent by mail.

Conditions for mandatory replacement

Here are the cases in which re-registration of health insurance is mandatory:

• loss of a valid document (loss, damage, theft);
• change of personal data of the insured person: last name, first name, patronymic;
• in connection with moving to another city or region of the country for the purpose of permanent or temporary (if there is a certificate of temporary registration) residence;
• replacement of a civil passport or other identification document, information about which is provided in the contract;
• when changing the insurance organization providing health insurance;
• presence of inaccuracies and errors in the insurance contract.

The above circumstances oblige the insured person to notify the insurer of changes within 30 days. As a rule, new health insurance is made and issued 10 days after the applicant applies. The service of issuing and replacing a compulsory medical insurance policy with a new policy is free of charge.

Conclusion

So, citizens of the Russian Federation can continue to use the old-style compulsory medical insurance insurance until its validity period comes to an end. The document is subject to re-issuance when moving, when changing the last name, first name or patronymic, when changing the passport and when lost. Obtaining a new contract with an insurer does not entail any problems or costs: the procedure for reviewing and accepting documents is quick, and medical insurance is issued within 30 days from the date of application.

You can find out more about the new model below.

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