What should you do if you lose your compulsory medical insurance policy, which confirms the insured person’s right to receive free medical care in medical organizations?

1. First of all, you need to contact your medical insurance company. Medical services are not provided in the absence of the original compulsory medical insurance policy!

2. You can fill out an application to receive a duplicate directly at the insurance company’s policy issuing point. There is no penalty for losing the policy.

Further, the procedure for obtaining a compulsory medical insurance policy is the same as for the initial application - the insured person is issued a temporary certificate valid for 45 working days, during which a permanent compulsory medical insurance policy is issued, the number being retained.

In case of damage or loss of a temporary certificate (TC), a duplicate is not issued; it is advisable to wait for the issuance of a permanent policy (if a visit to a medical organization is not planned until then). Otherwise, contact your insurance company.

The insured contacts the insurance organization not only if the compulsory medical insurance policy is lost, but is also obliged to notify of a change in last name, first name, patronymic, identification document details, place of residence within one month from the day these changes occurred in accordance with 326-FZ dated November 29, 2010 "On compulsory health insurance in the Russian Federation."

The compulsory health insurance policy has a certain validity period. In addition, such a document can be lost due to negligence. If such a situation arises, it is necessary to take all necessary measures to restore the policy. If this is not done, then any visit to a medical institution will be accompanied by additional monetary expenses.

What to do if you lose your health insurance policy?

The first thing you need to do if you need to restore such a policy is submit an application to the insurance company where the relevant document was issued. You should not delay this procedure.

You can view and download the application form here:

How to restore your compulsory medical insurance policy?

If desired, the insured person can change the insurer, but this can be done no more than once a year. When contacting such an organization, the policyholder must fill out a corresponding application. In it, he asks the insurer to issue a duplicate document due to the loss of the original. The applicant must indicate the following information in the document:

• information about registration and place of residence;
• contact details;
• information about the insurance company.

An insurance company employee accepts the application and checks it for factual errors. After verifying the information provided, the lost or damaged policy is canceled. A new document is issued in the name of the applicant, but until this moment the insured person can use a temporary policy.

To restore your compulsory medical insurance policy, you must provide a certain package of documents, which are presented in more detail below. On a certain date, which will be appointed by an employee of the insurance company, you must arrive at the company’s office and pick up a new document. In addition, the client can be notified by telephone.

For the period, the insured person will be issued a temporary document. It guarantees the same rights as a permanent policy, but its validity period is somewhat limited. In most cases, a temporary certificate can be used for thirty calendar days.

In order to use the document on a temporary basis, you must contact the registration department of the local clinic and re-register. This procedure may take some time.

In order not to contact the registry each time later, you must first find out the unique barcode of the document. It can be printed by the company acting as the insurer. In its standard form, the temporary certificate does not contain such a barcode.

A child’s lost policy is restored according to an identical principle. The execution of such a document must be carried out no later than 3 months from the date of birth of the baby. At the same time, it is the parents who are interested in the speedy resolution of this issue, because the sooner the document is drawn up, the safer their child will be.

The restoration procedure is carried out using the parent’s passport and the baby’s birth certificate. The child must first be registered at the place of residence or stay. If a restoration procedure is being carried out rather than registration, then parents should contact the rhinestone company and receive the necessary advice.

Where to restore?

It was already noted above in the article that if your health insurance policy is lost, you should contact the company that provides insurance services. If the insured person changed the insurer after registration, then, accordingly, he should contact this organization.

You can also contact your local clinic at your place of residence and receive the necessary advisory services regarding who is the insurer in this area.

The list of required documents for an adult citizen and a child may differ slightly. If an adult has lost his health insurance policy, he must prepare the following papers:

• passport;
• resident card;
• statement of loss of policy;

A passport of a citizen of the Russian Federation is required to confirm the place of registration. In the absence of permanent registration, it may be necessary to provide a certificate of temporary registration.

When restoring the document, the child may need the parent’s passport, the birth certificate of the insured person and a registration certificate. The last document can be taken from the house management. Some insurance companies may additionally require a child's compulsory insurance certificate.

Dates of issue

Immediately upon contacting the insurance company regarding the loss of the compulsory medical insurance policy, the applicant may be provided with a temporary document. It can be obtained with one passport. The time it takes to produce a new document may vary depending on various factors. However, most often this period of time ranges from two weeks to two months.

A medical insurance policy is one of the most important documents in the Russian Federation, since it is on its basis that you can undergo diagnostic and treatment measures free of charge. In Russia, many citizens still use paper documentation, which can only gradually be replaced by electronic format. In order to restore paper policies, it is necessary to successfully and promptly perform a number of certain actions.

What to do if you lose your policy?

A prerequisite is to contact a reputable insurance organization. Thus, the documentary issue cannot be resolved in simple firms. Insurance organizations resolve issues related to the mandatory receipt of protection.

When wondering what to do if your health insurance policy is lost, you need to understand that it is extremely important to contact the employees of the same institution. The name of the organization can be found on the back of the form of the received policy, or rather in the upper right corner. In this regard, you need to call a specific contact number or visit the office center of the required organization. It is recommended to remember the most important information or rewrite it for further resolution of the existing issue.

If the policy is lost and the name of the insurer is forgotten, it is possible to contact another institution. In this case, you need to take care of writing an application for an insurance policy. Acting according to this scheme, you should count on the cancellation of the lost policy and the full execution of a new document that will have the necessary legal force.

Principles of policy restoration

Reinstatement of a compulsory health insurance policy is carried out only according to a certain scheme. Taking into account existing aspects allows us to count on a successful resolution of the issue related to the current document. So, what to do if a new type of health insurance policy is lost:

1. The easiest option involves contacting your insurance company. To fill out an application, you need to use the available contact phone number to pre-register for a consultation at the main office. However, customer service is provided only during business hours. Even if contact details are initially forgotten, they can be found using the official website of the insurance organization.
2. At the next stage, you need to contact the central office, making sure you have a passport. You need to tell a specialist about your problem and get an application form from him to fill out an application for reinstatement of your insurance policy.
3. The written application is given to the employee, after which he receives a temporary certificate. As a result, a Russian citizen can use all necessary medical services until he receives a valid policy. Obtaining a temporary certificate does not mean a successful solution to the existing problem, but allows you to count on free medical care.
4. It takes one working month to produce an insurance policy. After successful production of the document, the organization’s employees will notify you by phone or mail.
5. There's only one thing left to do - you need to take out your health insurance policy. This also remains possible only during the organization's business hours.

The scheme changes if it is not known which institution issued the policy. The list of accredited organizations can be found on the MHIF website. It is important to note that the institutions themselves do not have any fundamental differences, since the list of available services is the same and the policy can be obtained for free.

• experience in the existing market;
• availability of reviews and reputation;
• territoriality of work activities and the possibility of successful interaction with the client.

Obtaining a new policy in the future occurs according to the traditional algorithm. Thus, only one change is made to the existing scheme: the need to select an institution for further cooperation. Then you should come to the office during company office hours, fill out an application, receive a temporary certificate and wait for the completed form. The service of restoring a lost policy or issuing a new document is absolutely free, and the absence of penalties is established at the legislative level.

Possibilities of medical care without a policy

Without an insurance policy, no medical institution can provide its services to patients free of charge. If you have a policy, you can worry about guaranteed savings when visiting a clinic or highly specialized medical center. It is important to note that recently it is not necessary to carry a paper form with you, since employees of medical institutions can carry out verification activities using a special database.

Despite the information available in the database, you should be concerned about the prompt restoration of the insurance policy. Modern technologies do not always allow successful and quick verification to provide free services. For this reason, if your compulsory health insurance policy is lost, it is important to know what to do.

You can contact the insurance organization on almost any working day and take care of obtaining a temporary document. In the future, holding the event will also require a minimum of time. The received policy is valid for an unlimited period of time, so re-application to the insurance organization is not required.

Policy restoration for different categories of clients

The procedure for reinstating the policy depends on the category of the client. First of all, you need to take into account the client’s age, because additional requirements apply for adults.

For a child

If a compulsory health insurance policy issued for a child is lost, restoration is carried out with the participation of representatives of the minor. For this, the following documents are required:

• passport of the representative who applies to the insurance organization;
• child's birth certificate or passport after reaching 14 years of age;
• SNILS.

A duplicate of the policy can be made regardless of the age of the child. To complete this task, only documentary evidence of the possibility of representing the interests of a minor citizen of the Russian Federation is required.

For an adult

The list of required documents differs in each situation, so it is recommended to take additional advice. The main documents that are required are as follows:

• civil passport;
• documents confirming registration;
• SNILS.

The application must be written only to the insurance company. At the same time, the application confirms the intention to obtain a new medical policy.

The documentary package is expanded for foreigners, as they must confirm the right to territorial residence in Russia. In addition, a medical policy in this case is issued only for a certain period of time, which can be carried out by a foreigner in the Russian Federation.

The procedure is easy, but you still need to be patient. It will take from two weeks to one month to restore the document. In the future, the issued policy will be valid throughout Russia.

To receive free care in medical institutions throughout Russia, as well as in some countries with which agreements have been concluded regarding free medical care for Russian citizens, you must have a compulsory health insurance policy. If this document is lost, assistance in medical institutions will no longer be free. Let's find out how to quickly restore your medical insurance and what you need to do for this.

When applying for a job, the company issues it to the employee. It receives it from one of the city’s insurance companies, which has the right to conclude compulsory and voluntary health insurance contracts. Moreover, when an employee is dismissed, he is obliged to return the policy to the human resources department, which, in turn, returns it to the insurance company. Naturally, if a medical document is lost or damaged, the employee must simply write a statement in any form to the personnel service. The employee does not need to attach documents to the application, because his employer already has all the necessary copies. After receiving the application to the HR department, the responsible person of the enterprise must contact the insurance company with which the organization has concluded an agreement on compulsory medical insurance for employees. To obtain a duplicate of his employee’s policy, the personnel officer must provide a copy of his passport and SNILS, as well as a completed application form of a certain sample. If you need to restore a policy belonging to a minor child, then his legal representatives, i.e. parents must personally contact the insurance company with a copy and originals of the child’s birth certificate, SNILS and their passport.

If the owner of a lost or damaged policy is an adult, but cannot apply for a duplicate, then his representative has the right to do this for him, but only if he has his passport and power of attorney.

In all of the above cases, the insurance company first issues a temporary policy, which is valid for the entire period the duplicate is issued. The production of a new policy takes no more than one month. When the duplicate is ready, the employee invites the insured person to receive it.

For a citizen of the Russian Federation, any medical care provided by clinics and hospitals should be free. But in order to really receive help free of charge, a person needs to take out a policy. Only an insured citizen has the right to receive free medical care in any region and city of the country.

But as you know, most policyholders have their policies on paper, which means this document is easy to lose. If you come to the clinic and fail to provide the compulsory health insurance contract itself and name its code, you will have to pay for the services provided.

Therefore, the rapid restoration of a medical insurance policy (CHI) in the event of loss is a priority, since without it, when contacting a medical institution, you may be faced with a refusal of help or a large amount for treatment, consultation, medications, etc.

What to do if you lose your health insurance policy?

If the medical policy is lost, then what you should do depends on who initiated the receipt. In case of loss of insurance issued at one's own request, the policyholder should contact the insurance company (IC) that issued the policy in person.

When the employer initiated the registration of insurance, all documents and applications are submitted to him. This means that if the insurance policy is lost in any of the options, you will have to restore it at the insurance organization that issued the policies.

The application sent to the insurer indicates the request for the issuance of a new document and the reason why this happened. When contacting the company in person, you will be asked to come with the necessary package of documents, and then you will be given a temporary insurance form.

Temporary certificate

If you contact the insurance company due to the loss of an insurance form, as well as in order to replace it with a new type of insurance, you will be given a temporary policy form, since the person must be protected during the restoration of the insurance. Simply put, a temporary document has the same powers as an official compulsory medical insurance form. This means that when a document is drawn up in the insurance company and before graduation, the policyholder has the right to receive medical care free of charge.

Until a permanent policy is issued, which takes about 30 days, a person must be insured. If the policyholder has lost his medical insurance policy and is hospitalized, then without a temporary certificate of protection he will be denied free hospitalization. But if the patient is already busy receiving a duplicate and has confirmation of this in his hands, then he has no right to refuse him.

Moreover, the rights of a temporary card extend throughout the entire territory of the Russian Federation, and if they tell you that they will not accept you because you are registered in another region, then this is a violation of consumer rights and the perpetrators will be punished. When the time comes, you will be able to obtain a duplicate medical document with the old number.

How to restore your compulsory medical insurance policy

People contact the insurance company to restore the insurance policy, not only because of the loss of the form, but also because of a change in identification documents, the expiration of the old-style compulsory medical insurance, etc.

In all situations, the policyholder has the right to choose another company, as well as choose the type of insurance (paper, card, UEC). You are allowed to change your health insurance policy with the company only once a year.

The instructions for restoring a document are quite short, as they consist of the following steps::

1. Go to SK;
2. Write an application;
3. Submit the required documents;
4. Get a temporary form;
5. Wait no more than 30 days;
6. Receive an SMS about the readiness of the policy;
7. Arrive at the appointed time to receive.

Documents for reinstating an insurance policy

Despite the fact that all information about the owner of the compulsory medical insurance is stored in a single information database, restoring a lost document is not so easy and quick. Even if you present all the certificates and copies of documents, they will not be able to give you just a duplicate. The month of waiting includes preparing not only a new form, but also canceling the old one. Although, upon completion of the restoration procedure, the number of the new document will remain the same.

In order to restore compulsory medical insurance, policyholders will need documents such as:

• Civil passport;
• SNILS;
• Application requesting a duplicate.

Registration through the Multifunctional Center (MFC)

In addition to the insurer involved in your insurance, in villages and small towns you are allowed to submit an application, as well as receive a compulsory medical insurance policy in your hands at a multifunctional center operating on the “one-stop” principle.

The principle of restoring the form is the same in the MFC and in the insurance company. This means that the policyholder will need the same package of documents in the form of a passport and a certificate of pension insurance. It is also worth noting that multifunctional centers can issue a document exclusively in the form of a paper form.

And at the office of the insurance company, you have the right to indicate what type of insurance you want to receive. Obtaining a plastic card or a universal electronic card is free. This means that the policyholder himself determines in what form it is more convenient for him to receive compulsory medical insurance.

How to restore the policy to a child

Upon the birth of a child, parents are required to take care of his insurance and registration within 3 months. If for some reason the compulsory medical insurance is lost, then you must immediately go to the office of the insurance company or to the branch of the multifunctional center (if there is no branch of the insurance company nearby) and write an application to restore your child’s insurance policy.

To restore compulsory health insurance for a minor child, you need to act in the same way as in the previous case. The only difference is an additional document. So, the parent of an insured child needs to add a birth certificate (metrics) to his main passport and SNILS.

Electronic version

More than three years ago, the production of a new type of compulsory medical insurance began. In addition to the modified paper form, policyholders have the right to receive a document in the form of a plastic card. This type of insurance is much more convenient due to its compactness and strength.

The plastic card is equipped with a chip that stores all the information about the protected person. On the front side there is a 16-digit code and the name of the insurance company. On the back there is information about the owner, namely: full name, photograph, date of birth and date of issue of the card.

Children under 14 years old receive a card without a photo. It is allowed to return the policy in the form of a plastic card to the insurance company and the MFC. You can restore your VHI policy using the same principle. If you have forgotten which company is involved in your protection, all information about the insurer can be found at the clinic at the place of registration.

Terms for issuing the policy

We have already said that if the policy is lost, the policyholder contacts the insurance company or MFC. In any of the organizations, the restoration of a medical policy will take some time. It’s difficult to say what the deadline will be. Since the time of creation of a new document, cancellation and entry into the database is always different.

The minimum period for compulsory medical insurance restoration is two weeks. The maximum can last more than one month. But no matter how long the procedure for issuing a new form takes, the policyholder will receive a temporary document.

With temporary insurance, a citizen has the right to receive full, free care in medical institutions. Insurance readiness is notified via SMS. Having received a notification about readiness, you need to go to the nearest collection point and receive the form in your hands.

Application form for a duplicate policy

When you contact a company engaged in insurance of citizens in order to restore a lost medical policy form, you will be given a ready-made application form that must be filled out. In the form, the policyholder fills in information about the policy. The main thing is to indicate that you need a duplicate of the compulsory medical insurance and a form (form, card, UEC).

Next, note the reason for the replacement. Usually there are 5 options to choose from. If the insurance is lost, then check the box next to the required option. Then information about the citizen is entered. In addition to your full name, you should indicate the category of the person, namely whether he is a citizen of the Russian Federation and whether he works officially.

In general, no matter what form of insurance you lost, you need to restore it quickly. After all, without compulsory medical insurance, free medical services will become unavailable and you will have to pay out of your own pocket.