What are medical policies? The fact is that in Russia there is a system health insurance both mandatory and voluntary. A kind of policy confirms this document. What can he be? How to get it? How long is the document under study valid for? In fact, it's not that hard to figure it all out.

What it is

To begin with, it is worth finding out what kind of document we are talking about. What is a health insurance policy (a sample of it will be presented below)? What is it for?

As already mentioned, this is a certificate that confirms the availability of medical insurance of one type or another. That is, participation in CHI system or VHI is assigned to a person. By the way, you can use several options at the same time.

In the presence of a medical policy, a citizen has the right to receive free medical care in hospitals and clinics. In private centers, they are also sometimes asked to present this document - it will confirm the availability of medical insurance. A policy is required for both children and adults.

CHI

Now we can consider several types of document under study. Medical policies may vary. For example, paper, received under the CHI program. This is a rather large sheet, which is placed in a special envelope. The document indicates information about the recipient, as well as the name of the organization that issued the policy. It is worth noting that each recipient is assigned a separate medical account number. This is an extremely important component for serving citizens.

The MHI policy is the most common option among the population, but it also has its drawbacks. You can get it without any problems. But about the registration procedure a little later. To begin with, it is worth understanding what medical policies for citizens are generally available in Russia.

VHI

The next option is voluntary health insurance. There is a separate policy for this system. By itself, it usually represents either a plastic card or a small booklet in which information about the owner and the organization that carried out the insurance procedure is written.

There is only one difference from the compulsory medical insurance program - with voluntary medical insurance, a citizen will have to "buy" the corresponding policy. But at the same time, a person will receive an expanded list of free medical services.

More and more often, citizens turn to various authorities to apply for a VHI policy. There are various medical programs voluntary insurance. But at the same time, the policy remains the same. It differs from the one issued under the compulsory medical insurance program, although it contains similar information. The cost of this type of policy will vary. It all depends on the chosen insurance program.

New sample

It should also be noted that for citizens who decide to use the system of compulsory health insurance, some changes have come into force. More precisely, innovations. The fact is that medical policies are now issued not only in the form of a paper sheet. Last news indicate that from now on every citizen has the opportunity to obtain a new document.

Now the CHI policy is presented in the form of a special plastic card that resembles a bank card. In this case, the document will contain all the information specified in the paper analogue. Only the processing of information using such a map is faster.

Temporary and permanent

How long are medical policies valid? In general, all the previously mentioned documents can be of several types - temporary and permanent. As a rule, when replacing or issuing paper for the first time, a citizen is issued the first type.

How much is valid temporary policy? On average 1 month. During this time, the citizen will have to produce a permanent document. If it is not ready, after a specified period of time, you will have to re-obtain a temporary policy, if necessary.

But the main policy, as a rule, is unlimited. But when changing personal data (for example, surnames) or wear out of paper media, it must be replaced. When using the VHI document, the validity period ends in accordance with the conditions of the selected program.

Universal card

These are not all the features you need to know about. It should be taken into account the fact that medical policies may occur not only of the previously mentioned types. There is a so-called UEC. It's universal electronic card.

This document cannot be called a purely medical policy. Instead, the UEC replaces most of the existing securities. Therefore, it is often considered as another type of document under study. It is a small plastic card, usually silver, with the coat of arms of the Russian Federation on the front side, a photograph of the owner and data about him on the back. The validity of this document is 5 years. This is far from the most common option that is used by the population in practice.

Now it is clear what interpretations of the medical insurance policy exist. Moscow or any other city - the rules are the same everywhere.

Where to get

But where to apply medical policy? In fact, not everything is as difficult as it might seem. The fact is that modern citizens are given almost complete freedom of choice.

As a rule, it is engaged in the issuance and execution of the studied document medical company. The policy can be exchanged or issued at the points of issue of the studied paper, which are located in polyclinics.

Most often, an insurance company issues a medical policy. Both under the CHI program and under the VHI, a citizen himself can choose the organization to which he will apply with a specific package of documents.

You can also use the State Services portal or multifunctional centers for registration. On the relevant sites, a citizen will find out the exact location of the next MFC. In each city, these organizations have their own addresses. A medical insurance policy is issued at the MFC in the same way as in insurance companies.

Documents for registration

What will be required to receive it? Regardless of what type of policy is needed, citizens present a certain list of documents. It all depends on the age and nationality of the person. So, citizens of the Russian Federation, adults, bring with them:

• passport;
• application of the established form (filled in on the spot);
• SNILS (required);
• previous medical policy (if any).

For children, the list is somewhat different:

• insurance certificate (SNILS, according to the established rules - mandatory);
• an application filled out on behalf of a legal representative (issued in the previously selected organization);
• the identity card of the parent-applicant;
• policy (if any);
• child's passport (for children aged 14);
• birth certificate.

Also, medical policies are available to foreign citizens. They bring the following list of documents:

• application of the established form;
• foreign passport;
• residence permit (or any other certificate indicating the legality of being on the territory of the Russian Federation).

A new type of medical policy is drawn up in a similar way. Where to get it? The same place where the documents were submitted. When applying through the "Gosuslugi" it is proposed either to contact the district MFC for receipt, or to the nearest insurance company that issues the policy. By the way, a document issued under the MHI program does not require any Money. Registration is completely free.

For creating single base data, which greatly simplifies the care of insured persons in medical institutions not at the place of residence, since 2011 a transition to a single form of a new policy is being implemented. A modern policy is a nominal document with a high degree protection and the presence of a barcode, by which you can access all information about the owner, stored in electronic form. For citizens Russian Federation the period of validity of the policy of compulsory medical insurance of a single sample is unlimited.

Currently, several forms are allowed. compulsory medical insurance policy:

• On A5 paper with a special barcode. It is used due to the lack of modern reading devices in medical institutions. Can be issued in parallel with a plastic card.
• An electronic compulsory medical insurance policy in the form of a plastic card with a chip, which contains the basic data about the owner (full name, date of birth, etc.). A policy in this form is not issued in all subjects of the Russian Federation. It depends on the readiness of the region and by agreement of the Government of the region and Territorial fund OMS.

Depending on the date and form of issue, the policy may be temporary or indefinite. A policy of a new sample is issued upon initial registration document, for a newborn child, when replacing in the event of a change of full name, if important parts of the documents are worn out and unsuitable for reading, as well as on a voluntary basis. The document is personalized and does not imply getting a new one when changing jobs, status or moving. The latter option is especially convenient when traveling around the Russian Federation, as it allows you to receive the necessary services under the policy throughout the country. A citizen has the right to independently choose an insurance medical organization that will defend the rights of the insured and pay bills for the medical care provided under the CHI policy.

The validity period of the CHI policy is unlimited, except for policies issued to persons staying and residing in the Russian Federation on a temporary basis.

Features of the validity period of the CHI policy depending on the owner

1. Foreign citizens and stateless persons permanently residing in the territory of the Russian Federation are issued paper policy valid until the end of the calendar year.
2. Persons entitled to receive medical care in accordance with federal law"On Refugees", a paper policy is issued with a validity period until the end of the calendar year, but not more than the period of stay established in the documents permitting stay on the territory of the Russian Federation
3. Foreign citizens and stateless persons temporarily residing on the territory of the Russian Federation are issued a paper policy valid until the end of the calendar year, but not more than the validity period of the temporary residence permit.
4. Temporarily staying in the Russian Federation workers of the EAEU member states are issued a paper policy valid until the end of the calendar year, but not more than the validity period employment contract concluded with a worker of a member state of the EAEU.
5. Foreign citizens temporarily staying in the Russian Federation, belonging to the category of members of the Board of the Commission, officials and employees of the EAEU bodies, are issued a paper policy valid until the end of the calendar year, but not more than the term they exercise their respective powers.

On the day of filing an application for the choice (replacement) of an insurance medical organization, the insurance medical organization issues to the insured person a policy or a temporary certificate confirming the execution of the policy and certifying the right to free medical care medical organizations upon the onset insured event(hereinafter - temporary certificate). A temporary certificate with a limited validity period is issued upon loss of the original policy or during the procedure for issuing a permanent one. Its action is terminated at the time of issuance of a permanent policy within a period not exceeding 45 working days.

Insurance CHI certificate is a document without which medical assistance will not be provided. This is explained by medical institution receives funding based on a report on the services rendered. It is obliged to submit monthly information to the health insurance company on the number of people and personalized data of each. Payment is made on the basis of per capita norms for each insured person. The policy indicates the full name, passport data, insurance number, name of the insurance company and its telephone number. In the article we will find out how long the compulsory health insurance policy has.

The validity period of the policy for medical services, how long it is valid

The document can be formatted in several forms:

• on paper;
• How plastic card with a chip
• in electronic.

The latter option is not valid in all regions due to the lack of appropriate training: software and technical equipment in medical institutions. The laminated card has been unified and since 2016 has been, and also has the same form in all regions. Paper copies differ in appearance, but are identical in content. Read how and where you can get a medical insurance policy.

The policy does not have a statute of limitations if it is issued to a Russian citizen, regardless of the form of issue after 2011. Replace and, possibly at will or as necessary.

Situations requiring replacement insurance document:

• change of family data, name, patronymic;
• living place;
• numbers and series of the passport;
• paper wear.

On the video - a compulsory medical insurance policy:

Passport data must necessarily correspond to the information of the CHI policy. for any reason (adoption, marriage, other) requires contacting the MSC that issued the insurance document.

When you change your place of residence, the situation is similar, and if you move to another region, you will need to play it safe and get new policy. Find out how to get an electronic, medical policy.

Abrasion of the paper at the folds leads to the inability or error when reading data in a hospital. For this reason, such worn-out documents may not be accepted, and the patient will be denied a medical service.

A citizen can change the policy at will if he wants to move to another insurance organization or have a plastic or electronic certificate instead of a paper one. For the period of re-registration, a temporary one is issued. He will tell about health insurance companies.

Non-Russian citizens with temporary status are entitled to a document of limited duration.

Temporary policy - to whom it is issued, the procedure for providing

Persons who are not permanently in the Russian Federation, who are citizens of other states, stateless, also have the opportunity to receive medical services in accordance with the standard of medical insurance.

These include:

• foreigners working under a contract;
• having a residence permit;
• diplomats and employees of diplomatic missions;
• refugees;
• citizens coming from the AEEC;
• tourists;
• foreign students.

The period for which an insurance certificate is issued cannot exceed 1 year and the period of stay in Russia:

• temporary residence permit;
• the validity of the employment contract;
• period of study.

A temporary document is issued on paper, it indicates the date of issue when the insurance expires. The extension of the contract requires the receipt of a new paper. Read about OSAGO electronic insurance at.

Citizens of the Russian Federation, when changing their surname, the insurance company also receives a temporary copy of the policy for a period of not more than 30 days so that the person does not end up without medical care during this period. After the specified time has elapsed, it ceases to operate.

Change of the old CHI insurance document when changing the surname

Changing personal data in connection with a change of surname requires the mandatory replacement of all documents whose data are in the databases Pension Fund, Social Security.

The compulsory medical insurance policy refers to such certifying certificates.

A change of surname due to marriage or divorce, adoption, or at will leads to the need to visit the MSC, where the document was issued. About the VHI policy for foreign citizens find out in .

This must be done within a month after receiving an updated passport or certificate of the child's data. At the time of reissuance, paper of a limited duration is issued.

On the video - the procedure for replacing the policy:

In that case when individual at the same time changes his place of residence, UK, then he is issued a temporary certificate valid for up to 30 days. With the receipt of the permanent, it loses its force.

How to check the expiration date of the compulsory health insurance policy

Compulsory medical insurance is issued in the form of an agreement, the validity of which after 2011 is not limited. When changing passport data, a change in the certificate is required. For non-citizens of the Russian Federation, temporary policies are required.

Compulsory health insurance keeps you productive medical system in our country. Thanks to this policy, for each person legally located on the territory of Russia, free help in hospitals, clinics and other public institutions. This year, the process of issuing a policy for foreign citizens follows the same principle as obtaining CHI Russians.

The main function of the document is to guarantee its owner the necessary treatment, medical advice and other medical services at the expense of state budget. An insurance policy can be of three types:

1. Paper in A5 format.
2. A plastic card that looks and feels like a regular credit card. It contains basic data about the policyholder, and all information is located within electronic media. In some areas, it is issued complete with a paper policy.
3. Universal electronic card. This type was introduced in 2011. Information about the policy holder is stored electronically. It is worth noting that such cards can currently be purchased and used not yet in all regions.

A plastic card is a more convenient option for transferring and using, but therefore, if you have a paper policy, you do not need to get rid of it. It can be kept at home Alternative option in case of loss of plastic. Not all public hospitals are equipped with the necessary technical equipment, so the information stored on the plastic policy is transferred manually.

Expiry date of the insurance policy

Increasingly, taxpayers have a question about how to find out the validity period of the CHI policy. Such a policy is of temporary and perpetual use types. Whatever insurance company issues this policy to you, there is a sample of its design, according to which it is issued.

It is very easy to get information about the expiration date. Information of interest is printed on the document itself. In principle, there is no time limit in the insurance of the new sample, which allows the owners of such policies not even to think about renewing it. But in this case there is one exception. It concerns the category of citizens who live in the country temporarily. For example, this group includes refugees and TRP holders. For them, the term CHI actions equal to the time during which residence in the Russian Federation is allowed.

You can change the old policy to a new one when replacing your passport (if you want to change your last name, replace your passport according to the age requirement, if it is lost). If the surname in the passport and in the policy are different, this may cause certain difficulties if necessary medical care. Also, the policy must always be in good condition, like any other document. If you own an old paper version, it is still advisable to replace the policy with a plastic one in terms of practicality.

However, it is worth considering some nuances. For example, some hospitals are not yet equipped to read information from electronic policy compulsory health insurance. These are mainly institutions in remote regions. As stated above, the owner data was very often rewritten by hand because of this. But it is legal to get the necessary assistance using a plastic policy. No one has the right to forbid you to register by presenting an electronic CHI and require the usual for many medical workers paper policy. In large cities (Moscow, St. Petersburg and others), this issue has already been practically removed, and the appropriate equipment has been installed.

As we have seen, almost all health insurance of the new sample do not have any restrictions on the period of validity. Therefore, they must be replaced only in cases where the policy is lost or damaged (which is extremely difficult to do, given that it is made of plastic). When a document is produced, regardless of location, certain standards must be adhered to.

The MHI policy is a very important certificate that you may need at any time, because health problems often come unexpectedly. Without the document in question, hospitals, clinics and other public medical institutions can refuse to provide you with free service, advice and care. In cases where there is a need for emergency medical care, it is forbidden to refuse it, despite the absence of a policy.

Obtaining or replacing a policy is a very responsible procedure. It should be remembered that the presence of this document, regardless of whether it is paper or electronic, is the key to further effective treatment, timely and high-quality provision of the necessary assistance.

A compulsory medical insurance policy, the validity period of which has its own characteristics, should be for each person. This is a document that gives any citizen the opportunity to freely receive qualified assistance from doctors in every state medical institution located within the territory of Russia on a gratuitous basis, i.e. for free.

When issuing a new policy to a citizen, the policy issued earlier will be considered invalid. If a citizen notices that his CHI policy is overdue, he needs to quickly decide on a suitable insurance company and write an application there where he expresses his desire to become the owner of a new policy. Most often, they prefer the insurance company whose office is located closest to the place of residence or other place that a person often visits.

Who can apply for a compulsory medical insurance policy on the territory of the Russian Federation

The policy can be issued by any citizen on the territory of the Russian Federation, both a native and a foreigner.

In what form is the mandatory health insurance policy now available? In medical institutions, you can present a policy of three types, depending on which one the citizen has on hand:

• A5 sheet;
• a plastic card on which the full name and number assigned to the citizen are indicated (together with it they issue a paper confirming the existence of a policy, if it is lost, you can present this paper instead of a policy card and restore it in the future);
• universal electronic card (in addition to the policy, it includes bank card, online wallet, insurance pension certificate, etc.).

Depending on what exactly the citizen received, he can present one of these documents at the medical institution.

What is the validity period of the CHI policy

Good to know: old-style policies remain valid in all medical institutions of the Russian Federation,

Although many medical institutions may try to refuse to accept an old-style policy, this is wrong. It is not required to urgently change the policy to a new one, because. the old-style policy also remains valid.

Lawyer's advice: make sure that on your policy CHI of the old There is no expiration date on the sample. If there is such a mark, the policy is subject to mandatory replacement and the medical institution has the right not to accept you under such a policy.

Such a large-scale event as the transition of the entire population of Russia to compulsory medical insurance policies of a single sample cannot happen instantly. Of course, it is desirable that the inhabitants of Russia systematically change their CHI policies.

Today, citizens of the Russian Federation who change or receive a policy for the first time in their lives are issued a policy of unlimited validity.

For those who draw up a compulsory medical insurance policy under the status of a refugee, it is issued for a period limited by the validity of the documents confirming this refugee status.
Refugee status is issued to persons who are not native residents of Russia, but are hiding on the territory of the Russian Federation due to fear of persecution for religious, political, social and other reasons.

If a person is going to live in the territory of the Russian Federation for some limited time, the policy is valid for the same period as the document allowing temporary stay in Russia.

Provisional Certificate

What to show when applying for medical services while the insurer issues a new policy?

During the time when the insurance company creates a new policy, the citizen must issue a certificate indicating that the citizen's policy is in the process of being created.

This certificate has the same validity as the policy, but is limited in time to 30 days, after which the insurer must issue you a new policy. Upon presentation of such a certificate, the medical state organization is obliged to provide all necessary free medical services.

When you need to change your compulsory health insurance policy, see the following video:

Dear readers! Our articles talk about typical ways to resolve legal issues, but each case is unique.
If you want to know how to solve exactly your problem - contact the online consultant form on the right or call: