Sooner or later, every citizen wonders where to change their medical policy. Especially now that the shape of this paper has changed. Old document samples lose their validity, which causes a lot of trouble. What should every citizen remember about policy exchange? How and where to change it in this or that case? We will have to answer all these questions further. In fact, bringing your plans to life is not so difficult. In particular, if you prepare in advance for the mentioned process.

Description

Where can I change my medical insurance policy? There are different ways to answer this question. It all depends on the specific situation.

What is called a medical policy? This is a document that allows you to receive free care in public medical institutions. A new type of certificate is issued by every citizen of the Russian Federation. This way, the population can receive treatment and tests free of charge.

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Before answering where to change your medical policy, it’s worth finding out what this paper looks like. Previously, all residents of the Russian Federation were given a yellow booklet. It contains information about the insured person.

Now the compulsory medical insurance policy has 2 different interpretations:

• a blue sheet placed in a special envelope;
• plastic card with a chip.

Each citizen decides for himself which form of document to receive. But, as practice shows, so far the first option is used most often. Plastic cards are not accepted in all regions and not in every government medical institution.

When to change

Where can I change my medical insurance? Before figuring out the answer, it is important to understand under what circumstances this service will be required. After all, the mentioned paper will serve a person for a long time.

The compulsory medical insurance policy is exchanged for the following reasons:

• change of surname, patronymic or first name;
• correction of date of birth;
• identifying inaccuracies in the document;
• expiration of the document (mainly for owners of old policies).

In reality, bringing your idea to life is easier than it seems. Most often, citizens exchange this document due to marriage, divorce or adoption.

Main place of replacement

Where can I change my medical insurance? No one other than the owner of the document can answer this question more accurately.

The thing is that compulsory health insurance policies are exchanged and issued for the first time at insurance companies. If a need arises for an operation, a person must submit a corresponding request to his insurance company. This organization first issues a temporary policy, then a permanent one. Accordingly, the citizen will not be left without free medical services.

In addition, a person can apply for a new document to any insurance company. In this case, there is not an exchange, but a complete replacement of the previously valid paper. But, as practice shows, this is not the most popular solution.

Other places

Where can I change my compulsory health insurance policy? There are also bodies that provide similar services. Therefore, everyone is free to choose where to go.

For example, today multifunctional centers are engaged in reissuing policies. Some regions offer My Documents services. Including mobile phones. These are analogues of MFCs, which also issue the paper being studied.

Old samples

When wondering where you can change your medical policy, a citizen should know that a similar service is offered in many institutions.

As we already said, some people still walk around with old document samples. They are replaced over time. Where can I change my health insurance policy to a new one?

At any exchange points for the mentioned documents. These organizations are called that way. They are often installed directly in clinics and public hospitals. The exact addresses can be clarified at any medical institution. They will definitely tell you where the nearest point of exchange of policies for new ones is located.

Internet

But that's not all! Where can I change my medical insurance? On the Internet! More precisely, you can submit a corresponding request through a special portal. All that remains after this is to come for a temporary policy, and then for a permanent one.

We are talking about the State Services website. This service helps registered users receive government and municipal services without leaving home. This scenario is not yet popular. People prefer to personally apply for policy exchange to different insurance companies.

Procedure

From all of the above, it follows that a person can apply for a new sample of the paper being studied in various types of organizations. It is best to go to insurance companies. Here the service is provided faster.

What needs to be done to exchange? Just follow the instructions:

1. Collect a certain package of documents. It depends on the reason for replacing the policy. An approximate list will be presented below.
2. Draw up and fill out an application for a new policy.
3. Contact the registration authority with the appropriate request.
4. Get a temporary policy. It is issued immediately, on the spot. It looks like a small piece of paper with an insurance company stamp on it. Valid from 14 to 30 days.
5. Wait for the permanent policy to be ready and pick it up at the appointed time. You will have to do this in person.

Perhaps there is nothing difficult in the process. The service is provided free of charge. No insurance company should demand money for exchanging a compulsory medical insurance policy.

Package of documents

We found out where to change your medical policy. If you change your last name or for any other reason, this is not so important. The main thing is that the service is provided in all the previously listed organizations.

In general, to replace a policy, citizens are required to:

• passport;
• old policy (optional);
• statement;
• document basis for the exchange (marriage certificates, divorce certificates, court opinions, etc.).

In addition, recently it has become mandatory for people to carry SNILS with them. Without an insurance certificate, the compulsory medical insurance policy will not be replaced. And initially issued too. It is recommended to present proof of registration.

For children

Where can I change my child’s medical insurance? In the same place as for an adult. Only children under 14 years of age will have to do this through their legal representatives.

To change your policy you will need:

• birth certificate;
• citizenship insert;
• application for a new policy completed by parents;
• document indicating registration;
• old policy (if any);
• SNILS.

Nothing else is needed. As you can see, the documents for replacing the policy for children are almost no different from the “adult” list. The procedure in this case will be similar.

Terms of service provision

Where can I change my medical insurance? The answer to this question will no longer make you think. And the procedure for implementing the plan is the same. Usually, a new policy, regardless of the reason for applying for surgery, takes a month to be issued. Before this, the citizen, as we have already said, is given a temporary policy, which is valid until it is replaced with a permanent one of a new type.

Sometimes you have to wait longer than a month. Insurance companies try to serve their customers as quickly as possible. And therefore policies are issued very quickly.

Conclusion

We figured out where you can change your health insurance policy. This is a fairly simple task that does not cause any difficulties for modern people.

Foreign citizens can also replace or initially issue compulsory medical insurance policies. To do this, they will have to attach to the request:

• Residence permit or temporary residence permit;
• migration card;
• passport;
• statement;
• document confirming registration in Russia;
• SNILS.

Most often, problems arise with obtaining a residence permit in the Russian Federation. But if this stage is passed, it will be easy to issue or reissue a compulsory medical insurance policy!

Every resident of the capital should know where to get a compulsory medical insurance policy in Moscow.

After all, it is impossible to receive medical care without an insurance policy unless going to the hospital is an emergency. Therefore, in order to avoid refusal in medical institutions, you need to worry in advance about obtaining a new type of policy.

Health insurance allows you to receive qualified care for a number of diseases. The full list can be found in the official bill that describes this program.

Any citizen of the Russian Federation who has reached the age of 14 can obtain a policy, and this can be done completely free of charge.

How to do

There are several ways to obtain, restore or replace a policy in Moscow.

Below are the most popular options:

• contact the insurance company;
• order a policy through State Services;
• contact the clinic at your place of registration.

Thus, anyone can avoid the queues that exist at insurance companies or clinics. The portal is quite convenient and does not require any special skills. To use it, a passport and a pension insurance certificate are enough.

Please note: Previously, obtaining a policy was mandatory if you were officially employed by an employer. This practice has now been abolished. The policy is obtained voluntarily, although it is mandatory.

If you do not seek medical attention, you can avoid the entire procedure.

But it is important to understand that not everyone can order a policy online. An elderly person who does not have access to the Internet will not be able to do this. In this case, you can contact the provider where you receive medical care.

In addition, this is very convenient if you apply without a policy, as you can immediately receive a temporary document that confirms your rights to free medical care. Unfortunately, if the hospital is not located at the place of registration, then obtaining the policy will be denied.

Worth noting: children under 14 years of age can also receive a personal policy, but it is worth knowing that they can also receive assistance under the parent’s policy.

If getting to a medical facility is problematic, you should contact the insurance company’s issuing points to obtain a compulsory health insurance policy. Specialists will help you fill out the application, take it from you, and then inform you about the production date.

The addresses of each company can be found on the Internet or by calling insurance companies.

What are the differences between the old and new policy models?

The format of the compulsory health insurance policy (CHI) is constantly changing. Previously, they were book-shaped and small in size. Then the policy began to have a fairly large sheet format. More recently, the policy became plastic.

This was due to the fact that many people began to contact insurance companies to replace this document, as they were constantly wrinkled and unusable. This served as the basis for the new format.

Please note: The new policy is similar to a bank card, it is very convenient to store, you can put it in your wallet, it does not wrinkle or spoil.

In addition, with the release of plastic cards, special terminals appeared with which you can make an appointment with a doctor without queuing at the reception desk. For those who are not used to using the terminal, it has become possible to go to medical institutions without a passport. Since such a policy contains a photograph of a person, which allows him to be identified using one document.

By the way, it is not necessary to take out a policy for a newborn. The baby will be able to receive medical help under your policy.

Which companies provide services for issuing compulsory medical insurance policies?

There are quite a few insurance companies in Russia that issue these documents. It cannot be said that a certain company has a number of advantages or disadvantages. They all have approximately the same conditions. Some people prefer a company that is closer to home, others get a policy where their car is insured.

The largest companies include:

• "Max-M";
• Alfa Insurance;
• ROSNO.

Please note: Getting a policy in Moscow these days is quite simple and easy. To do this, it is enough to have two documents: a passport and an insurance certificate.

Registration is very fast, a temporary policy is issued immediately, but a permanent policy is received in 2-4 weeks. You can get the policy for free.

Watch the video in which experts answer the questions: where can you get a new policy, how long will the old compulsory medical insurance policy be valid and what you should pay attention to when choosing an insurance company:

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If you want to know how to solve exactly your problem - contact the online consultant form on the right or call:

How is the authenticity of a compulsory medical insurance policy verified? Where can I get or renew my compulsory health insurance policy? Is it possible to issue a new electronic compulsory medical insurance policy online?

Good day, dear readers! Welcome to the HeaterBober website and insurance expert Denis Kuderin.

The topic of our article is the Compulsory Health Insurance Policy (CHI). Such insurance is needed by everyone who cares about their own health, so the material will be of interest to every reader.

And now - in detail on each point!

1. What is a compulsory medical insurance policy?

The unified health insurance system was created by the state to support the health of citizens and their treatment in case of illness.

Compulsory medical insurance allows any resident of the Russian Federation, regardless of his status, income and age, to receive medical care in a regulated amount.

The compulsory insurance system is a form of social protection of the population that guarantees free services in the event of insurance situations. Compulsory medical insurance policy is an official document confirming the right of citizens to receive qualified medical care.

The basic compulsory medical insurance program includes the following activities:

• diagnostic procedures;
• outpatient treatment;
• inpatient treatment;
• preventative care;
• vaccination;
• purchasing medicines at discounted prices;
• dispensary observation of minors.

In addition to the above, the policy gives the right to compensate for damage caused to patients by medical institutions during therapy or diagnosis.

If a person does not have health insurance, the clinic has the right to refuse to help him. The exception is emergency cases (injuries, situations directly threatening life).

Example

A patient who does not have a compulsory medical insurance policy was taken to the hospital in a state of acute renal failure. Doctors must stabilize the patient's status, but are not required to provide further treatment for the underlying disease.

Doctors are required to provide free care to children under one year old and pregnant women without any insurance. However, with insurance, patients will in any case have peace of mind.

Since 2011, a uniform medical policy has been introduced into circulation. If previously such a document was issued at the place of work, now you need to obtain it yourself by contacting the insurance organization.

The owner of a uniform policy has the right to choose a clinic to provide assistance. Now he is not tied to registration, as before, and can take the document with him when traveling around Russia. The compulsory medical insurance policy is valid in any region and location.

If a citizen is refused help in any clinic or provided with incomplete services, he has the right to file a complaint with the compulsory medical insurance fund or with the insurance organization that issued the document.

The activities of doctors and medical staff are paid for from federal funds and deductions from municipal budgets. In some regions, the list of medical services included in the main program may be expanded through additional allocations.

3. How to get a compulsory medical insurance policy - step-by-step instructions for beginners

Obtaining a policy does not take much time. However, you should take a responsible approach to choosing an insurance company and to the process of document execution itself.

People who are familiar with modern information technologies can obtain a policy online.

On the websites of many insurance organizations you can apply for insurance without leaving your home. True, it’s better to receive the finished document offline - it’s more reliable.

Another good news for advanced policyholders: every citizen has the right to receive an electronic (plastic) insurance policy. It looks like a bank card and contains a microchip on which all information about the owner is recorded.

Having such a policy is, of course, more convenient: you can always carry it with you in your wallet - it doesn’t tear and doesn’t take up much space.

Policies are issued in any region of the Russian Federation where there are branches of insurance organizations from the official list of the Compulsory Medical Insurance Fund. True, electronic cards are not yet issued everywhere, but I think the situation will change for the better in the next few years.

And now - a step-by-step guide to obtaining the document.

Step 1: Determine if you are insured

So, all citizens of the Russian Federation have the right to receive an insurance document, regardless of their age, availability of work and registration.

Persons with official refugee status, as well as foreigners living in Russia, can also insure themselves.

Step 2. Choose a medical insurance company

Often citizens do not think much about which company to insure with and choose an insurer on a territorial basis. Whose branch is closer to their place of residence, that’s where they go.

This approach is logical, but not entirely correct. Insurance conditions in all companies are approximately the same, but the approach to issues of social and legal protection of clients may differ.

Experts advise choosing the most well-known and reliable insurers from the list of organizations included in the official register of the Compulsory Medical Insurance Fund. A complete list of health insurance companies is available on the fund's website.

Step 3. Collect the necessary package of documents

Citizens of the Russian Federation only need two documents to obtain insurance.

• passport;
• SNILS - pension certificate.

An application for insurance is attached to the documents.

Children under 14 years of age will need a birth certificate. The law allows one parent to obtain policies for the entire family. However, in this case, a written power of attorney is required from adult family members.

Foreigners, in addition to an identity card, must present evidence of registration in Russia. Refugees will need documentary evidence of their status or a certificate from the migration center.

Step 4. Obtain a temporary certificate

On the day the application is submitted, the insurer is obliged to issue the client a temporary certificate. Such a document confirms that the policy is in the process of being issued.

The certificate allows you to receive the same volume of medical services as provided for holders of full insurance. But remember that the temporary document is valid only for 30 days from the date of receipt.

Uniform insurance is provided for just 30 days or a little less. Company employees are required to notify you of its readiness (unless, of course, you forgot to leave your phone number or email in the application).

Step 5. Get a uniform compulsory medical insurance policy

The finished document is issued at the same office where you submitted your application. The client is only required to sign in the registration log.

After this, he receives a full-fledged document giving the right to free treatment and preventive services in any government institution.

Citizens of the Russian Federation are issued a document once and for all. The policy does not have a limited validity period. Refugees, foreign nationals, and stateless persons receive compulsory medical insurance for the duration of their stay in the country or for the duration of their residence permit.

Additional information is in the article "".

4. How and why is the compulsory medical insurance policy checked?

It happens that citizens who do not follow news regarding health insurance fall for the tricks of scammers and purchase a fake or written-off policy for money.

Another situation also occurs: the policy itself is genuine, but the insurance organization no longer exists (or its license has been revoked).

Such documents are invalid - it is naturally impossible to receive free medical care using them.

How to find out which document you have in your hands - fake or real? There are several ways to do this.

1) Visual inspection

Genuine compulsory medical insurance policies, regardless of which organizations they were issued, have a uniform appearance.

• Owner's full name;
• unique personal number;
• name of the insurance company and its seal;
• special barcode.

The texture of the paper is special and has several degrees of protection. That is, if you have a form printed on a printer in your hands, it is definitely a fake.

2) Check by number

The personal number is entered into a single database: its authenticity can be verified online.

To do this, enter the number in the appropriate box on the Compulsory Medical Insurance Fund website and click on the “check” button. Verification by passport number and series is also available.

What to do if the policy is invalid? First of all, don’t panic, enter the number again. Perhaps you were simply mistaken.

If the document really turns out to be fake, you will have to get the policy again. But this time, do not purchase a document from dubious insurers, but contact companies included in the official register of the health insurance fund.

For clarity, watch a video on the topic of verifying the authenticity of a policy.

Detailed material about is also available to our readers in the corresponding publication.

5. Where to get a compulsory medical insurance policy - TOP 5 companies with the best insurance conditions

And now - a list of five Russian insurers with the best insurance conditions.

1) RESO-MED

A company operating in the field of health insurance since 1992. Member of the Presidium of the Interregional Union of Medical Insurers. It is represented in the regions by a network of branches. Currently, more than 6 million citizens are protected by the organization. Part of the RESO insurance group.

2) Rosgosstrakh-Medicine

A subsidiary of Rosgosstrakh, the oldest Russian insurer. The company's motto: “we make insurance coverage even more reliable and affordable!”

According to statistics, every seventh holder of compulsory health insurance in Russia received it in the branches of the Rosgosstrakh-Medicine company. The total number of clients insured under compulsory medical insurance is 21 million.

3) SOGAZ-Med

An insurance company with a high rating and branches in all cities of the Russian Federation. Deals with the preparation of both regular compulsory medical insurance policies and the issuance of electronic insurance documents. Here you can insure yourself online and order delivery of the policy to your workplace.

The company pays great attention to protecting the rights of the insured. Representatives of the insurer are ready to assist clients in resolving disputes with medical organizations.

4) VTB Medical insurance

The company has been operating in the health insurance market for more than 20 years. The number of insured clients is approaching 6 million. It is part of the VTB insurance group. It has a wide network of representative offices in many regions of Russia.

Provides legal support to insured citizens. Delivers policies free of charge to disabled people, large families or persons who have issued at least 3 policies to one delivery address.

5) Ingosstrakh-M

A division of the Ingosstrakh insurance group. It has branches in 19 regions of the Russian Federation. Included in the TOP 10 compulsory medical insurance insurers. Engaged in prompt resolution of any conflict situations between policyholders and medical organizations.

Provides legal support in litigation. All clients have access to 24-hour free consultations regarding the company's services.

For the convenience of readers, the companies listed above are listed in the table:

№	Insurer	Reliability level	Advantages
1	"RESO-MED"	High	Almost a quarter of a century in the health insurance market
2	"Rosgosstrakh-Medicine"	Highest	The most popular medical insurer in the Russian Federation
3	"SOGAZ-Med"	High	Assistance in protecting clients' rights
4	"VTB Medical Insurance"	High	Free delivery of policies to preferential categories of citizens
5	"Ingosstrakh-M"	Highest	Legal support for policyholders

There are also separate articles on the website.

6. How to restore the compulsory medical insurance policy if a document is lost or damaged?

There are all sorts of situations in life - the policy can get lost, get wet, tear, or become unusable.

To restore the document, you need to contact the same company where you received insurance. You must have a passport with you (for children - a birth certificate) and SNILS. You write an application and the staff will issue you a temporary certificate.

If the document is lost, its number will be blocked so that unauthorized persons cannot take advantage of your right to medical care.

A health insurance policy is issued to every Russian so that he has the opportunity to receive high-quality medical advice in any region.

However, if a person has changed his passport details or lost his policy, it must be urgently replaced with a new, similar document.

We will talk to you about the features of receipt, replacement and others in this article.

What is compulsory medical insurance?

The abbreviation compulsory medical insurance means compulsory health insurance; any citizen can receive this type of insurance, regardless of place of work, gender, age and social status.

On the day the application is submitted, the insurer issues the client a temporary certificate of health insurance. And in a month the citizen will receive a uniform policy.

Validity period

Previously, different regions issued policies for different validity periods. Since 2011, the government has initiated a gradual replacement of policies with policies of a single standard.

Modern compulsory medical insurance policies are a plastic card that does not expire. Only policies issued to foreign citizens have a validity period.

If a citizen is still using the old policy, which is now permitted, then you can see its validity period on the back of this document.

If the policy expires, the policy owner must replace it. Compulsory medical insurance policies are also subject to replacement in the following cases:

• change of place of registration;
• if the policy contains inaccurate information about the insured person;
• poor condition of the policy card: damage, scuffs, etc.

When changing your last name or first name, you need to change many official documents, including a medical insurance policy. Moreover, the policy is subject to exchange, even if at least one letter in the last name, patronymic or first name in the passport changes.

If a person moves to live in another region of the Russian Federation, then the policy is also subject to exchange. Inaccuracies and errors made in the policy may not be immediately detected by the owner of the document.

If the insured citizen identifies such errors, he should immediately begin to replace the policy, as problems may arise when seeking medical help.

In short, in all cases when the data in the medical policy does not match the passport data, the policy must be replaced.

Old-style policies

If the policy was received before 2007, it should be changed to a uniform compulsory medical insurance policy.

The new type of insurance does not have an expiration date and is valid indefinitely; a replacement document will only be needed if the citizen’s data changes, the policy is damaged or theft.

Replacing the policy with a new option is necessary for the convenience of citizens. A uniform compulsory medical insurance policy allows a person to freely receive medical care in any subject of the Russian Federation.

How to change?

If there is a need to change your health insurance policy, you need to contact the insurance company that issued the policy. You can also go to the clinic at your place of residence or place of work.

To change the compulsory medical insurance policy, a citizen submits an old-style policy or a plastic policy that needs to be replaced. A citizen's passport is also presented.

If the client contacts the insurance company, but it turns out that its activities have been discontinued, the citizen must choose a new policyholder within 2 months.

The insurance company is required by law to notify its customers of the cessation of business in writing. If you cannot decide on the choice of a new insurance company, the territorial compulsory medical insurance fund will independently transfer your data to another insurance company.

Consequently, in the event of cancellation of the insurer’s activities, the citizen does not lose the right to receive medical care.

How to change in Moscow and St. Petersburg?

When choosing, before concluding a contract, it is advisable to carefully review the proposed list of services and make sure that the contract includes all medical services that must be provided by law.

The location of the clinic is also very important, especially for Moscow residents. If you intend to find a clinic that is located near your home, contact the selected clinic; the reception of the medical institution will provide you with a list of insurance companies with which they cooperate.

At special points created by insurance companies in various areas of the city.

It should also be noted that when changing the place of service, there is no need to change the compulsory medical insurance policy, since the policy is issued in the name of the citizen. There is no column with employer data in the insurance policy, so a person can change his place of work repeatedly without changing the insurance policy.

There is no need to change your policy in cases of temporary relocation to another region of the Russian Federation. In case of moving, the previously issued policy is valid throughout Russia. If you have an electronic policy, this will facilitate your identification in any medical institution.

Who else should receive compulsory medical insurance?

Refugees who have entered the territory of the Russian Federation have the right to receive compulsory medical insurance. For citizens of the Russian Federation, the compulsory medical insurance policy is issued for an unlimited period, but for refugees it will be valid only for the duration of their stay in Russia.

A person who has received refugee status must contact the insurance company with a passport and a document that confirms his temporary registration.