The Federal Compulsory Health Insurance Fund, in connection with the unlawful actions of some insurers, hastened to clarify What is the difference between a compulsory health insurance policy and a plastic card?, which citizens received from the insurance company.
Confused, confused, but not confused
Since the beginning of 2016, some companies began to issue “plastic” to clients, with which people come to the clinic and demand free medical care. The confusion occurred due to the fact that today both the paper version of the medical policy in the form of a pale blue piece of paper in A5 format and the compulsory medical insurance policy of the new type - a plastic card - have equal force. Using these documents, you can receive free medical services, and it was with the electronic policy that patients confused the card they received from the insurer.
The cards received by citizens for insurance in private companies are just a document that confirms the case of insurance, but are not a medical policy in the sense in which it is enshrined at the federal level.
The right to receive medical care in state medical institutions is granted exclusively by a policy, the type of which is regulated by the uniform requirements of the Compulsory Medical Insurance Rules. Issuing an additional “plastic” of an unidentified sample with information about the fact of insurance and the citizen’s personal data does not legally give the right to receive medical services, which means presenting it at a clinic or hospital is pointless.
A compulsory medical insurance policy on a plastic card or in old paper form provides the right to receive free medical care throughout the country within the framework of Federal Law-326 of November 29, 2010.
Do I need to change my policy?
For a year now, plastic compulsory health insurance policies have been issued in Moscow. They are similar to a bank card familiar to most, have a chip and contain personal data of the insured person (full name, year of birth, name of the insurance company, etc.). On the back is a photograph of the owner and his personal signature. The medical history is not stored on such a medical policy. For this purpose, additional electronic medical records will be introduced.
Let us recall that the compulsory medical insurance system began operating in 1998. Then citizens received green laminated cards with a barcode. The main problem was the possibility of easily forging such a document. In 2011, paper analogues were introduced. Their production cost the state less, but for patients who regularly visited doctors, the pieces of paper became unusable very quickly, despite the fact that many tried to pack them in a file or a washed milk carton. Finally, progress has reached the MHIF, which has decided to gradually replace paper policies with electronic ones.
Today, medical institutions accept both paper and electronic medical policies with equal success, so there is no point in panicking and urgently running to apply for “plastic”. In addition, the final translation of documents into electronic form is planned for 2030.
But those who want to use the convenient format can obtain a card from their insurance company. It must be produced within a month from the submission of the application. It is valid, like the paper version, throughout the country.
For reference. Today, 11 insurance companies participate in the compulsory medical insurance program, and every citizen has the right to change insurer once a year until November 1.
It is planned that soon it will be possible to order a plastic card-policy through the government services portal, but for now this function is not available.
The issuance of a compulsory health insurance policy (CHI) in Moscow is carried out if certain criteria are met and the required package of documentation is available. You can prepare a document in various ways, choosing the most suitable one for a particular case.
Why do you need a policy?
It is necessary to provide free medical services in state specialized facilities, regardless of their location in Russia.
Using a compulsory medical insurance policy allows you to count on the following services:
- first aid;
- medical assistance in emergency situations, not including evacuation by aircraft;
- specialized medical services for various pathologies, including the use of high-tech devices.
Having a policy is necessary to carry out the following actions:
- to register a child for kindergarten or school;
- when making an independent appointment with medical specialists;
- for territorial assignment to the corresponding hospital.
What services can you get?
The list of medical services provided free of charge may be supplemented depending on the regional decision of the authorities. The main list of services provided includes treatment of the following diseases:
Regardless of the place of receipt of the insurance policy, free treatment should be provided throughout the Russian Federation.
In the absence of a policy, medical institutions are obliged to provide emergency care. This procedure must be carried out without unnecessary delays and free of charge.
How to apply
To apply for a policy, you can use the following methods:
- by directly contacting the health insurance company;
- using the capabilities of Internet resources;
- through the employer.
Using the first option involves preparing the required package of documentation and then contacting the insurance organization. It can be selected from the register of the Moscow City Fund. You can use the help of any government service center if you have Moscow registration. This method allows you to issue a policy for a child. At the same time, you need to know that you will need to issue a policy at the insurance company where the document was received by the mother or other legal representative of the child. Registration occurs in situations in which the child is not yet one month old.
After completing an application, the insurance company will provide you with a temporary policy, which is functionally identical to the original. After thirty working days, the original document is provided.
Second way Available exclusively to Moscow residents who have reached the age of eighteen.
Extreme third option involves employment in a company registered at a Moscow legal address. The process of applying for a compulsory medical insurance policy is handled by the employer. In case of further dismissal, the employee is obliged to return the received document to the employer.
After completing the application, the insurance company provides a temporary policy. It allows you to use all required free medical services. The original document is provided after thirty working days from the date of submission of the application. Company employees notify clients about the readiness of the document via a telephone call.
Required documents
The list of required documentation to obtain a policy varies depending on who it is issued to.
To register an application for provision of a policy to children up to fourteen years of age will be required to provide the following package of documentation:
- child's birth certificate;
- passport or other identification document of one of the parents, legal representative in their absence;
- SNILS.
To issue a policy over the age of fourteen, you will need to provide:
- passport;
- scanned passports;
- photograph, as for a document;
- SNILS.
How to apply online
To register an application for a policy online, you will need to go to the website https://www.mos.ru/pgu/ru/services/link/2143/. It is the official portal of the mayor of Moscow. The right to register is granted to persons who have reached the age of majority and have permanent registration in Moscow. To do this, you will need to prepare the required documentation package and create an account on the specified website. It must be confirmed and also contain information about the insurance number of the individual personal account.
To register an application, you must submit the following scanned documents:
- passport or other identification document;
- photograph and original signature for issuing a plastic policy.
After submitting the documents, you can download the temporary policy. It will take about thirty days to produce the original. allocated for registration of submitted documents and for the direct production of the document.
The original is issued at a specialized point suitable for the user. The service is provided free of charge.
Where to get it
The place of issue of the policy can be found in the clinic that provides your services according to the existing registration. As a rule, the necessary information about the health insurer is located on the information boards of the medical institution.
Company addresses 
Finding a medical insurance company in Moscow that is suitable for your geographical location is not difficult. Partial list of addresses of specialized companies:
- Aviamotornaya 6, building 2, is located near the metro station of the same name;
- Poslannikov Lane 5, building 1 and Bolshoy Demidovsky Lane 17/1, near the Baumanskaya metro station;
- VDNH metro area: Krasnaya Sosna 3, Akademika Koroleva 9, Yaroslavskoe highway 2, bldg. 1;
- Gagarinsky lane 1, Ostozhenka 10 – near the Kropotkinskaya metro station;
- Semyonovskaya 15, 102 office next to the Elektrozavodskaya station;
- Pavlovskaya 25, building 20 and Moskovsky 1st microdistrict 52, office 41 - not far from the Tulskaya metro station;
- Near the Ryazanskaya metro station: Ryazansky Prospekt 53; first Novokuzminskaya 6, building 2;
- Near the metro station - Vernadsky Avenue: Leninsky Avenue 99; st. Lobachevsky 8.
A complete list of medical institutions in Moscow can be found on the website https://www.mos.ru/clinics/.
Obtaining a compulsory medical insurance policy in Moscow is possible from absolutely any insurance company that is engaged in this activity and has the appropriate license.
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All information regarding the address and name of the insurance company can be found at the medical institution. As for disabled people (group 1), these services can also be provided at home.
There are a huge number of insurance companies in the capital that can provide this package of services, namely compulsory medical insurance:
- "Rosgosstrakh-Medicine".
- Insurance company "Sogaz - Med".
- Insurance company "ROSNO-MS".
- "MSK "MEDSTRAKH".
- Health insurance.
- Insurance company "Soglasie - M".
- Insurance company "Ingosstrakh - M".
Required documents
In order to purchase this package of services, you need to provide a certain list of documents, namely:
- Recipient's application
- Passport, for children under 14 years of age, a birth certificate must be presented
- Identity document of one of the parents, namely a passport
Also, as for foreign citizens, they must present:
- Passport of the country in which they reside
- Residence permit, i.e. a passport with a corresponding entry confirming the right to temporary stay in the Russian Federation.
If the application is accepted, the client is issued a temporary document that is valid for a month.
Instructions for obtaining a new policy
- First of all, you need to decide on the choice of insurance company. Since February 2011, citizens of the Russian Federation You are given the opportunity to directly choose your own insurance company. To carry out these actions, you must visit the official website of the Federal Compulsory Medical Insurance Fund and select your region. It is also worth approaching this issue very carefully, since it is impossible to change the insurance company within a year.
- Secondly, it is necessary to prepare the relevant documents. This list can be seen on the official website of the insurance organization you have chosen. There are also 2 ways to submit this documentation: Through a representative or independently.
- The next step is to obtain a policy. The preparation period will be 1 month. Before its issuance, the client has the right to use a temporary document that will allow him to carry out all the services stated in the policy. An insurance company employee will notify you about the readiness of the policy via email or telephone.
Who needs to get a medical policy in Moscow first?
The following persons are entitled to receive this insurance policy:
- All citizens of the Russian Federation
- Foreign citizens who live in the territory of the Russian Federation.
- Stateless persons
- Refugees
- Temporarily residing persons in the territory of the Russian Federation (they have the right to receive only a temporary document that determines the duration of their stay in the country).
A compulsory health insurance policy is, of course, necessary for every person (even children), since, first of all, it is the key to receiving qualified assistance. In any situation, the client has the right to receive medical care without the corresponding fee.
To apply for a compulsory medical insurance policy for a baby, you need to take the baby’s birth certificate from the registry office after you complete the registration. Next, you need to register the child at his place of residence. The final stage is the preparation of the relevant document.
To carry out these actions, you must contact the medical institution at the place of registration of the child and clarify information regarding the cooperation of this clinic with the insurance company. Also find out her address and contact details for issuing compulsory medical insurance policies.
It is possible that its location is relatively close, and it is also possible that the insurance company is located in the clinic building itself.
If a child is registered temporarily (for example, lives in a rented apartment), then, first of all, it is necessary to temporarily register him at his place of residence, which is regulated in the rental agreement.
In turn, the necessary documents require a corresponding extension for a new period along with the extension of temporary registration.
Also, those persons who have mistakenly lost it, changed their full name or changed their registration, or if it becomes clear that an error has occurred in the preparation of documents, also need to prepare this document.
After changing your place of residence, you must notify the insurance company about this no later than 30 days after re-registration.
How to obtain compulsory medical insurance for nonresidents
There are various situations after moving to another city for a new job. In the process of bustle, you don’t think about the need to obtain any documents.
But in life there are various circumstances in connection with which an unexpected emergency can occur, after which a person needs high-quality medical care.
At the place of work it is also necessary to present the relevant documents, which, in turn, can confirm absenteeism and absence from the workplace. Such a document is a sick leave certificate. But receiving treatment in a clinic without a compulsory medical insurance policy is not possible.
In turn, if you do not have a residence permit, then this document can be obtained by registering at your place of residence. If any difficulties arise, you must contact the compulsory health insurance fund.
This organization closely monitors the implementation of legislative norms related to the issue of compulsory medical insurance and identifies all violations, as well as provides assistance in drawing up documents.
Once received, you must join the clinic that you find suitable. This procedure is carried out with the consent of the doctor.
In case of avoiding abuse of power, it is necessary to fill out an application addressed to the heads. A doctor from the medical organization you have chosen and at the same time will ask the insurance company for support. A sample application must be taken from the reception desk of a medical institution.
If the clinic you have chosen is not suitable for any reason, you have the right to refuse to receive these services and change the place of service.
The need for detachment disappears, because this medical organization will independently submit a request to another clinic of your choice.
Features of obtaining compulsory medical insurance through the State Services portal
You can conclude an agreement on compulsory health insurance on the Unified Portal of State Services. You only need to place the application in electronic form on the website.
All required data about a citizen is obtained by creating a request to the Unified Identification and Authentication System and the system of interdepartmental electronic interaction. As a result, the client receives a notification with his policy number plate.
There is no need to pick him up. All necessary data is stored in the insurance system, this allows you not to provide it when visiting medical institutions.
Today, both paper certificates of the old format and new plastic cards are recognized as valid, however, the exchange of a policy is a generally mandatory process. The exchange should be made as soon as possible to avoid future medical problems. This article describes in detail the procedure for exchanging a compulsory medical insurance policy, as well as a complete list of documentation that needs to be prepared for re-issuance.
The new policy sample is a compact plastic card with information about the owner stamped on the front. The plastic format is registered simultaneously with the paper form, just like the UEC (electronic card). Encrypted information about the owner is read using scanning devices. The card is compact: it is convenient to carry it with you. It is important that it is recognized as valid not only on the territory of our country, but also in other states.
Exchange procedure
If a change of insurer is not planned, then the procedure for replacing the compulsory medical insurance certificate with a card of a single sample is extremely simple. A sample action plan looks like this:
1. Contact the insurer with the old policy,
- Show your passport and pension certificate (for elderly people),
- Write a statement
- Get a temporary policy.
By law, policy exchange is free of charge. If the need to obtain a new card coincides with the correction of any information, you need to take the relevant papers with you (for example, a certificate of change of name). A form is filled out at the insurer's office and submitted along with the old certificate. Instead, the employee issues a temporary card (validity period - from 1 to 1.5 months). When the new card is ready, the representative sends an SMS notification.
Exchange with change of insurance company
Keep in mind that a change of insurer is possible only once a year and is carried out until November 1. If you decide to change your insurer, you need to select a suitable organization, collect documents and contact a specialist. So, to obtain a new certificate, you must complete the following steps:
- choice of insurer. At the same time, it is better to focus on your preferred medical institutions where you plan to be served, the degree of distance of the office from your home/place of work, and reception hours. Detailed information can be found on the official portal or information stand of institutions;
- preparation of documents. To replace the card you will need a passport, SNILS, a previous certificate, and for minors - a birth certificate;
- come to the insurer’s office and create an application;
- receive a temporary form for a period of 1-1.5 months. As soon as the new policy is issued, you will receive an SMS notification. You can also find out about the issue online on the official portal or by calling the insurer directly.
An important point: although medical centers may have preferences in choosing an insurer, their responsibilities include serving patients, regardless of which organization you received the card from. Refusals based on the wrong choice of the insurer are illegal.
Since 2011, Russia began to use a uniform compulsory health insurance policy - a plastic card, which, unlike previous samples, contains a chip with the patient’s personal data. The card also contains a photo and personal signature of the owner, which makes it difficult for unauthorized persons to use it.
As explained by the Moscow City Compulsory Health Insurance Fund, the new policy is more convenient for health workers if a person goes to a clinic or hospital other than their place of residence.
Do I need to issue a new policy before November 1st?
As reported by the Compulsory Medical Insurance Fund, all types of policies previously issued in Russia are perpetual, be it a paper document or an old-style plastic card. Medical assistance under compulsory health insurance programs will be provided in full.
There is no time limit for obtaining a new policy. Therefore, it is not at all necessary to exchange old policies for new ones before November 1.
According to the law on compulsory health insurance in the Russian Federation, old models of policies are valid until they are replaced with new ones.
In fact, before November 1, you need to change the insurance company if for some reason the citizen is not satisfied with it. After November 1 until January 2019, this cannot be done. Such a pause, in accordance with the law, occurs every year. You can change your insurance company once per calendar year.
In what cases is the policy changed?
A person can change the policy if its format is paper. This will be appropriate, since the barcode located on a piece of paper may be erased, the form itself may become wrinkled, and such a policy cannot be laminated. A plastic card is easier to use (the old style green plastic card can also be replaced).
You can also change your policy together with the insurance company. If the latter does not suit you, you can choose a better organization.
If a citizen’s personal data (last name, first name, patronymic, date and place of birth) or gender has changed, he will have to receive a new policy within a month. In the case of a new place of residence, the policy does not change, but changes are made to the information about the insured person.
If a citizen has lost an insurance document or inaccuracies are found in it, he will also be issued a new policy.
Replacement of the policy is free of charge.
How to get a new type of policy in Moscow
To change your policy, you need to contact the insurance company or the MFC.
An application and the following documents will be required:
Passport (original + copy),
Photo for later placement on the card,
Old policy.
To get a policy for a child, you will need the parent’s passport, the child’s birth certificate and his SNILS. In this case, newborns up to 30 days after registration of birth are covered under the mother’s policy.