Until what year are old medical policies valid? How to obtain a compulsory medical insurance policy from an insurance company. Video: how to replace a medical policy - where to do it and how much it costs

After the start of medical reform, compulsory medical insurance policies were issued in several regions in different formats. Over time, significant differences in form and duration of validity were tried to be brought to a single denominator. So in 2011, they planned to switch to a single document format, which was partly due to the introduction of the UEC.

Validity period of the compulsory medical insurance policy

While working on the implementation of the UEC, there were numerous problems, but today the new document is successfully functioning on the territory of the Russian Federation. The card is received by citizens who have applied for insurance for the first time and newborns.

The validity period of the document is indicated directly on it if the policy is temporary. The new permanent documents have no validity period limits, making the life of their owners much easier. Old policies are replaced with new ones when a passport is changed, due to damage, loss, or due to a change of surname.

Validity period of the compulsory health insurance policy

A medical institution does not have the right to refuse to provide assistance upon presentation of an expired policy.

Today, there are still citizens in the country with policies obtained before 2007. Because of such documents, problems often arise with patient registration, so it is recommended to replace the old compulsory medical insurance policy with a more comprehensive one. modern version. At the same time, it must be remembered that refusal to provide medical services on the basis of an expired policy is unlawful. This behavior of employees of medical institutions is a reason to contact regulatory authorities.

Validity period of the new compulsory medical insurance policy

Over time, important parts of the document become abraded and become unreadable. This happens with a paper policy, which people like to fold in four to carry in their passport. It is recommended to replace such a document.

Policies that are issued under old names or become unreadable are often not accepted by healthcare workers who need to fill out basic information about the insured person. Unintelligible information creates a lot of problems during hospital admission.

Validity of the compulsory medical insurance policy in the Russian Federation

Perpetual compulsory medical insurance policies cease to be such when issued to persons who temporarily reside in the territory of the state and have received the right to provide free medical services. This category includes persons with temporary residence permits and refugees. In such cases, the policy is valid for the duration of the validity of the permitting documentation and is subject to replacement after a fixed period.

Old-style compulsory medical insurance policy validity period

The problem with processing electronic media has not yet been resolved in domestic hospitals. For this reason, data is often rewritten manually, but no one prohibits presenting cards of a new type. In Moscow and some others major cities this problem is practically solved.

Most modern policies do not have a term limit. In the process of issuing a document, it is necessary to adhere to a single, standard format, regardless of which company is issuing it.

Advice from Sravni.ru: Today, on the territory of the Russian Federation, paper and plastic policies, as well as insurance included in the list of UEC documents. The advantage of an electronic card is duplication of information on electronic media. At UEC, data is stored exclusively in electronic format, but it is not possible to use it in every region. All types of policies mentioned are equally valid, and in some regions they even issue a plastic and paper sample at the same time.

Compulsory health insurance is the basis of the social medicine system in Russia.

Every citizen of the Russian Federation has the right to receive free medical care, but in practice, even to receive emergency medical care, a compulsory medical insurance policy is required.

It guarantees that all costs of treating a patient within the established limits are reimbursed by the state, and allows for effective registration of those who apply to the medical institutions citizens.

Types of compulsory medical insurance policies

Currently, existing compulsory medical insurance policies are issued in three forms:

• document in A5 format;
• a plastic card, on which the basic data of the insured person is indicated, and all information is duplicated in in electronic format;
• UEC (universal electronic card). On it, the data of the insured person is indicated in electronic form. Cards are not issued and accepted in all regions of the country.

All three forms of the policy are valid; in many regions, a plastic card is issued along with a paper version of the policy upon receipt.

The card is more convenient to carry and use, so the paper policy can be kept at home as a backup in case the card is lost.

Due to the lack of facilities in hospitals for working with electronic media, compulsory medical insurance policies are still rewritten manually when preparing documents, but no special problems arise when presenting a plastic policy card, at least in Moscow and other large cities.

Also Compulsory medical insurance policy can be temporary or unlimited, in most cases a policy is issued with an unlimited validity period. Regardless of which insurance company has issued a specific compulsory medical insurance policy, it must be issued according to a single template.

Do you want to know about life and health insurance programs offered by insurers?

Or read HERE about the activities of the Federal Compulsory Health Insurance Fund

Validity period of the compulsory health insurance policy

At different times and in different regions, their own compulsory medical insurance policies were issued, so they can vary greatly in form and validity period. Since 2011, it was planned to switch to single form compulsory medical insurance policy in connection with the introduction of the UEC.

During the implementation of the UEC project, many problems arose, but at present a new type of policy has been introduced. It is issued to citizens receiving a policy for the first time (newborns, previously uninsured persons and in some other cases).

It is easy to find out the validity period of the policy - it is indicated in the document itself. The new type of policies do not have a validity period, which greatly simplifies the life of their holders.

Replacement of old policies is carried out as planned when changing a passport for any reason provided by law (usually a change of surname, change of passport due to age or due to loss or damage).

Compulsory medical insurance policy with expired actions are not a reason to refuse medical care, but in practice, people with an old policy issued before 2007 may have problems with paperwork in some hospitals, so it is better to change the compulsory medical insurance policy in the same company that issued it, or in another .

But it should be remembered that the refusal of medical care to a person who presented an old-style policy is unlawful and is a reason to contact the regulatory authorities to bring the guilty person to justice.

Regardless of the validity period, it is better to change the policy if important parts of the document have become unreadable, for example, when folding a paper policy into four times in order to carry it in your passport.

It should also be taken into account that a policy issued under an old surname or that has become unusable due to wear and tear may not be accepted at a medical institution - to complete the paperwork, you must fill out all the essential data and, if they cannot be read, this will create a problem when entering the hospital.

An exception to the rule about the indefinite validity of the compulsory medical insurance policy are cases when a person entitled to free medical services resides temporarily in the territory of the Russian Federation.

• refugees;
• persons with temporary residence permits.

The validity period of the policy is equal to the validity period of the document permitting residence in the territory of the Russian Federation for the specified persons, and upon its expiration the policy must be replaced.

Want to know how to buy VHI policy at a good price?

Or read HERE about health insurance for a Schengen visa.

And in this article you will learn about health insurance in sports:

Let's sum it up

The compulsory medical insurance policy is a very important document in everyday life; without presenting it, you are unlikely to be treated in a hospital and may even be refused emergency medical care (although this would, of course, be illegal).

Therefore, the receipt and timely replacement of the policy should be taken responsibly, taking into account that:

• policies Compulsory medical insurance of the old samples continue to be valid even if they indicate validity until 2011;
• policies issued before 2007 must be replaced with new policies;
• a plastic card-policy is equivalent to a paper medium;
• Compulsory medical insurance policies of the new sample do not have a validity period and are subject to replacement only in case of loss or damage.

Video about the validity periods of old-style compulsory medical insurance policies

Compulsory health insurance is part of social protection citizens of Russia, and the compulsory medical insurance policy is the main confirmation guaranteeing the right to receive free medical care. Modern compulsory medical insurance policies are issued in a new format, and many are concerned whether it is necessary to change the old document to a new one in order to count on treatment. In this article we will try to figure out what types of policies are available in the Russian Federation and what are their validity periods?

What is a compulsory medical insurance policy?

Any resident of the Russian Federation who has Russian citizenship is covered by the compulsory health insurance program only if they have a policy. The main document indicating that a person is an insured person is a compulsory medical insurance policy: it is presented in clinics and hospitals when applying for help provided free of charge.

Having a compulsory medical insurance policy is prerequisite receiving medical care in a public clinic. In the absence of an appropriate document, the patient has the right to rely only on emergency (ambulance) care, and other types of treatment will be carried out at his expense.

Medical facilities in mandatory require a policy, primarily due to the specifics of the system’s operation compulsory insurance- after providing the service, the medical institution must issue an invoice to the insurer using the individual number of the insured person. In addition, having a policy allows government agencies obtain the most reliable and up-to-date information regarding how many people and during what period applied to health care institutions and the state of the general situation in the field of medicine.

Registration of a compulsory medical insurance policy is possible both during the patient’s inpatient stay in the hospital, based on a request from medical structure, as well as by power of attorney, which is applied by an official representative.

What types of compulsory insurance policies are there?

Over the years, compulsory medical insurance policies have been issued in different formats - from a simple printed document of the established format to an electronic card with a chip. Today the following forms of release are considered valid:

• a document consisting of an A5 sheet indicating the details of the insured person, the insurance company and other information;
• plastic card - on her front side are indicated by the full name of the person to whom it belongs, and electronic media stores all information in memory;
• universal UEC card- all information about the insured person is recorded on an electronic microchip. Such policies are not issued in every region Russian Federation, however, they are considered valid, like the previous types.

Most simple view A paper type policy is considered. In most cases, a duplicate card is issued along with it, which has the same functions. It is optimal to store a paper sheet at home so as not to lose or spoil it, and a card is easier to use and easier to keep at hand. Since in government institutions There is often a lack of equipment and facilities for electronic processing of data from modern media; information is often copied manually using a census onto paper media. However, in large populated areas there are no difficulties in accepting the UEC and the old-style electronic card.

Regardless of whether the policy is old or new, it can be temporary or indefinite: the first is usually issued as a document for the period of replacement of the main one. Registration must be carried out according to the sample, the form of which is uniform for all insurance companies.

How long is the compulsory medical insurance policy valid?

Since the policies were issued at different periods of time and in different localities, not only the form but also the duration of their validity varies significantly.

In 2011, a universal electronic card system was introduced, which was supposed to standardize the health insurance scheme and ensure the transition to single policy. During the implementation of the idea, many technical and other difficulties arose, but today the new document has been put into operation. However, not all citizens have changed their policy; many continue to use the old document, and it is not always clear when exactly it is necessary to contact the relevant structures for a replacement. Today, a new sample document is immediately issued to persons receiving such a document for the first time, namely:

• newborns;
• persons not previously registered in the compulsory medical insurance system.

The validity period of old policies is indicated on the front side of the document, while documents of the new sample are unlimited, i.e. They do not have a validity period, which, undoubtedly, is their great advantage.

Most often, people apply to replace an old document with a new one in the following cases:

• change of identity card: when changing your passport at 14, 20 and 45 years old, you must contact the insurance company to issue a new policy;
• change of personal data: full name, gender, etc.;
• loss of a document or its damage.

Re-registration procedure

When an old-style policy expires, you need to understand that such a circumstance is not a basis for refusal to provide medical services, especially emergency care.

However, persons who issued documents before 2007 often encounter difficulties, especially at the re-registration stage. Thus, old-style policies must be replaced by the company where the old one was issued, or by another insurance organization if the patient decides to change it.

Presentation of the policy is often required when providing emergency assistance. If a patient encounters a refusal, which is motivated by the introduction of a new sample of documents into circulation, he needs to contact the management of the medical institution, as well as the insurance company or compulsory medical insurance fund in the region where he is located. this moment. Replacing a document takes on average 1-1.5 weeks, depending on the work schedule of the insurance company.

If the policy is damaged, regardless of the format and date of issue, it is better to change it: a damaged card/form may not be accepted at a medical institution on the basis of unreadability or dilapidation, which will be a justified refusal.

conclusions

Replacing an old-style policy is a procedure that is advisable to carry out in order to avoid problems that may occur when registering for a hospital, providing emergency medical care and in other situations. Despite the fact that the law does not prohibit the use of policies from previous years of issue, it is worth replacing, especially if the old document has become unusable.

Policies issued before 2007 are recommended to be changed without fail, since technical difficulties arise with their registration; documents issued after this date are still valid, although many have an expiration date of 2011. Modern cards UECs are not limited in validity period, so they are changed only if the personal data of the insured person is damaged, lost or changed.

Compulsory medical insurance – compulsory health insurance. In Russia, compulsory medical insurance is an analogue of the American systems of providing medical services to the population - Medicare and Medicaid, which have been operating for half a century and are the backbone of American healthcare. In the States, the most important question regarding health insurance has been and remains the question of the list of medical services that are covered by this insurance. In Russia, until recently, the issue of the list of services within the framework of compulsory medical insurance did not arise particularly acutely. Maybe it's a matter of ingrained traditions of self-medication. Or maybe it’s that only in last years Compulsory medical insurance began to be significantly reduced. The main issue was the validity period of the compulsory medical insurance policy. That is, each policy, regardless of which insurance company it was issued, almost always had a very limited expiration date.

After which it needed to be replaced with a new copy, i.e. extended. True, certain categories of citizens were issued a perpetual policy, which was valid until its complete physical wear and tear. Finding out the period for which the policy was designed was not difficult. Information about compulsory medical insurance and the validity period of this policy was indicated on the document itself.

Before 2011, the validity period of a compulsory health insurance policy was on average several years, but the period of relevance of this document in different regions could vary greatly. In the Russian Federation it is still the most common and well-known option insurance policy The compulsory medical insurance is an A5 piece of paper, which, as a rule, is also folded in four to make it more convenient to carry in a purse or directly in your passport. Actually, this is why previously the policy had to be renewed so often.

What does compulsory medical insurance provide and the different forms of this policy?

The paper, which was not of the best quality, quickly deteriorated to such an extent that it became problematic to make out basic information about the policy holder. Currently, the old-style compulsory medical insurance policy retains its legal force. However, gradually the form of this medical document is being optimized, and old samples are giving way to new ones. What does the described document provide? Following:

1. The compulsory medical insurance policy allows every citizen of the Russian Federation to count on a minimum set of vital medical services, for which the citizen does not pay directly, but is regularly charged from income state tax for medical care.
2. The policy allows you to keep a variety of statistics at the state level: how many people went to the hospital during a specific period, for what reasons, how often does it happen that necessary treatment goes beyond compulsory medical insurance, and so on.

There are currently three forms of this document in force:

• a well-known A5 paper sheet;
• a plastic card with a set of basic personal and medical information about the patient (full name, home address, telephone number, blood type, disability, positivity for major infections such as HIV, tuberculosis, hepatitis, etc.). The entire set of information on the card must also be duplicated in the electronic database of medical institutions settlement where the card holder lives;
• UEC is a universal electronic card that exists exclusively in electronic form. Essentially, this is a cell in the database that saves the insurance company client from having to carry another document with him. However, in the regions of the country, the UEC has not been introduced everywhere; the process of transition to such Digital catalogue continues to this day.

Old samples of compulsory medical insurance policies and new unlimited ones

But there is no talk yet of canceling the old compulsory medical insurance policy. Newborn children and people who have received a new passport (change of surname, loss or destruction of an identity card) are now required to be provided not only with a new insurance policy in paper format, but also with a plastic card. Compulsory medical insurance of the new model is unlimited.

Moreover, increasingly, UEC is also being introduced to holders of paper policies and cards. That is, a person receives all three mutually duplicating documents. In the future, it is expected that there will be a complete abolition of physical insurance carriers and a complete transition to UEC. This process is hampered by the slow computerization of Russia and the familiarity of the population with old paper policies, not to mention bureaucratic obstacles.

A medical policy, regardless of the date of issue and the insurance company, must always meet the same standard. Since 2011, such a standard has been introduced. As already mentioned, its owners are those born after 2011 and who have changed their passport. However, if desired, the old-style policy (before 2011) can be replaced with a new one. At the same time I received an insurance plastic card. Persons who received compulsory medical insurance document before 2007, it urgently needs to be updated.

Since certain clinics may refuse service to a client who presents an expired policy. Although in fact this is illegal, because even the old policy retains its legal force. This means that the person was registered in the national health care system, from which no one has the right to exclude him.

It may also happen that the institution offers a client with an old insurance policy paid services. In such a situation, you can safely go to Rospotrebnadzor and write a complaint addressed to the head physician.

It is worth mentioning separately about persons officially temporarily residing in the country:

• refugees;
• foreigners doing business in the Russian Federation;
• foreigners studying in the Russian Federation;
• foreign tourists;
• foreign relatives who came to visit.

Key points regarding compulsory health insurance

All these categories also have the right to medical care from Russian system health care, but their policy is always valid for exactly as long as your stay in the country takes. Moreover, even if the length of stay increases, the medical insurance policy is still subject to renewal. So to summarize:

1. Persons who have a policy from 2007 or earlier are highly recommended to take an updated medical document instead. This can be done at the medical institution to which the person is assigned at his place of residence.
2. Persons using a 2008–2010 policy are advised to find out whether the document needs to be renewed (the answer may vary in different regions). Although in most cases such policies retain their validity, since they are increasingly being made permanent along with the new policies from 2011.
3. If you have both a plastic card and a paper A5 format, it is better to carry only the card with you. Legally, it is completely equivalent to a paper policy, but wears out many times slower.
4. Currently, the need to renew policies is a thing of the past. Modern ones are replaced only if they are lost or physically destroyed.
5. At the first opportunity, it is recommended to create a UEC, then even if all physical insurance medical documents, a person will be able to receive all that is due within Compulsory medical insurance assistance absolutely no problem.

What is VHI and its features

In particular, the VHI policy should be mentioned. VHI is voluntary health insurance. The policy of this type of insurance, as a later and modern one, is issued in electronic card form. That is, the client receives a plastic VHI card. You can check all the necessary information on it using a reading terminal, which can increasingly be found in large clinics in the country. The client is also entered into electronic database data. Lately, voluntary health insurance offered by Rosgosstrakh has become very popular. Current policy VHI provides a lot of advantages that, unfortunately, compulsory medical insurance does not yet have:

1. The client himself chooses a list of priority medical services and preferred institutions. Let's say that someone needs expanded gastroenterological services, and someone needs neurological services.
2. VHI includes important diagnostic and treatment procedures that are not supported by compulsory medical insurance. For example, MRI of the knee joints. And dental services are now generally almost 100% paid.
3. The second policy is renewed automatically (hence, will be valid indefinitely) if the agreement with the insurer stipulates that the latter has the right to write off funds from salary card client when it's time to update. A lifelong VHI policy is rarely purchased due to its high cost.
4. VHI eliminates the need to wait in line. Both for an appointment with a specialist and for a diagnostic and treatment procedure.

This policy can be purchased as an individual(specific person), and legal entity. This, by the way, is the main qualitative difference between VHI and compulsory medical insurance. For example, some company is interested in additional medical protection for its employees. Then the company organizes voluntary health insurance as part of the employee’s social package, and in the contract the insured (client of the insurance office) will mean the company, the legal entity.

VHI is especially important for those people who suffer from complex chronic diseases, difficult to treat. And also for those whose work involves increased health risks. True, both of these factors increase the cost of additional health insurance. But so that later you don’t have to pay for your most valuable capital – your health, it is still better to spend money if possible.

Investing in your own health, the health of your loved ones and your employees (for those who run a business and have staff) is best investment of all possible. How to find out which clinics are covered by the VHI policy? This information is provided both in the insurance contract and on the insurance company’s website. But in general, now almost all health care facilities throughout almost the entire territory of the Russian Federation are included in new system VHI. You can purchase this policy by filling out a form at the insurer’s office, or by submitting an application online. This article is intended for a wide audience, as it covers one of the most pressing issues of domestic health care.

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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 received a policy in the region, then he will also be able to receive additional medical services, not included in the state basic program, – seek medical help for the treatment of tuberculosis, sexually transmitted diseases, mental disorders and behavioral disorders, including those associated 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, insurance certificate mandatory 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 identity document with a note indicating permission for temporary residence in the Russian Federation.

Choosing an insurance company

After collecting everyone 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 institutions’ websites 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 insurance. 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 state program compulsory health insurance (CHI). However, he can exercise his right to free medical care only if he has 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 paragraph 2 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

Chapter III of the Rules compulsory health insurance contains uniform requirements for registration 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 bank card, as well as an electronic wallet and a 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

Under the phrase " new sample» two innovations should be understood:

• 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 insurance organization for a new paper copy or for a chipped one electronic card. Plastic cards, which have been issued since 2014 and 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 turns out to be free.

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 number personal account;
• 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 the compulsory medical insurance policy, the citizen must provide the insurer 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 mandatory medical 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 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.

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