Temporary compulsory medical insurance policy: who is it issued to, how long is such a document valid, how to reissue the policy and get a duplicate

To receive free medical services, every Russian must first take out a policy. Such a document has no time limits and is considered valid throughout the life of the owner.

However, there is also a temporary compulsory medical insurance policy, which is issued for a specific period to certain categories of people.

In what cases this happens and who receives a certificate giving the right to treatment in Russian medical institutions for a limited period of time, you will find out further.

Who is entitled to a temporary compulsory medical insurance policy?

First of all, temporary certificates, which can be used to obtain medical care, are issued for the period of registration of a permanent policy.

These documents are valid for 1 month until the applicant receives a ready-made card of a single sample.

The validity period of basic insurance, which is issued to citizens of the Russian Federation free of charge, is unlimited. Therefore, if you are a Russian and have a Russian passport, you have the right to take out a permanent policy and use medical services as part of compulsory health insurance.

There are other categories of people who are given the opportunity to obtain a temporary certificate, but with a time limit. The period during which they will be provided with compulsory medical insurance services in Russia must necessarily end on December 31 of the current year.

The temporary compulsory medical insurance may expire earlier if the period of stay of these people in Russia, according to the permitting documents, expires before the end of the calendar year.

• Persons who reside in the Russian Federation permanently, but do not have Russian citizenship.
• Persons living in our country temporarily or without citizenship, but who have received permission to stay in Russia for a specific period.
• Refugees who have been granted the right to medical care by the Russian government.
• Citizens of EAEU member countries (Belarus, Armenia, Kazakhstan, Kyrgyzstan) employed in the Russian Federation under employment contracts.
• Foreigners who are employees of the EAEU are vested with special powers in our country.

Issuance procedure

The insurance company is provided with a statement indicating the selected medical institution. On the same day, the applicant receives a temporary document confirming his right to receive medical care and other medical services.

The certificate must contain the signature of the manager or authorized representative, as well as the company seal.

Such a certificate shall indicate the following data:

1. Name of the insurer, its telephone number, address;
2. Full name of the insured, if there is no patronymic, write only the first and last name;
3. Date, place of his birth;
4. Data from a passport or other identity card;
5. Temporary policy number, date of issue;
6. The expiration date of its validity;
7. Owner's signature;
8. Full name of the insurance company employee who issued the document, signature of this employee.

A temporary certificate replacing a policy is valid for only 30 days.

Replacement of insurer

If a person decides to change insurance organization, he must submit a corresponding application. The information is immediately entered into his personal file and sent to the territorial fund.

There, a check is carried out through the regional register. Within 2 days, it becomes clear whether the person has a compulsory medical insurance policy.

If the result of the regional segment check is positive and the insured person has a valid policy, he will be denied within 5 days due to the presence of compulsory medical insurance from another insurer.

If there is no information confirming the presence of valid medical insurance, the territorial fund will check the availability of a policy for the central segment.

The maximum period for checking and submitting an application to change the insurer to the Federal Fund is 10 days.

After submitting the application and all checks, the finished policy from the Federal Fund will be delivered to the territorial office within 2 weeks. You can receive it no later than 30 days later.

All this time, until the receipt of the finished document, the citizen will use a temporary insurance certificate. Upon receipt, he is required to sign the registration log.

Changing personal data

Any changes in information regarding a citizen’s personal information should be reported to the insurer within 1 month. After this, the insurance will be reissued.

This is required when:

• a person changing his first, patronymic or last name,
• changes in the date or place of his birth,
• change of place of residence,
• identifying errors, typos, and inaccuracies in the information included in the insurance document.

In any of the above cases, the policy owner is required to submit an application for re-registration and submit a passport and other supporting documents with updated personal data.

Getting a duplicate

The policy owner may request a duplicate in the following cases:

• the plastic card has been damaged and cannot be used due to missing text, rupture, failure of the electronic chip, etc.,
• the insurance document was lost.

To obtain a duplicate, you will need to fill out an application form indicating:

• Standard information about the insured, including passport and SNILS, contact phone number.
• Information about the representative of the insurance owner (full name, passport, telephone number).
• Name of the medical insurance organization.
• Indicate what type of policy was used (on paper, in an electronic version, as an entry on a universal card).

The completed application is given to the insurer's representative, he puts his signature and certifies it with the company's seal. You can get a ready-made policy at special delivery points.

Registration has the right to be performed only by an insurance organization that has a license to provide this type of service.

Let us remind you that a temporary compulsory medical insurance policy is issued only for the period of production of the main insurance policy or for no more than a year to persons who do not have the right to permanent free medical care in Russia.

If you are a citizen of the Russian Federation, you can count on receiving a permanent policy and the opportunity to use free services as part of compulsory health insurance.

According to the current legislation of the Russian Federation, every person must have a medical insurance policy. Without it, in the event of any illness, you don’t even have to try to go to the hospital, because they simply won’t admit you.

However, the preparation of this document takes a certain period of time and takes place in accordance with the standard procedure, so you will need to adhere to the appropriate algorithm and prepare a package of documents required by law.

As practice shows, most people who encounter this for the first time have some problems with this seemingly simple procedure. Therefore, in order to facilitate the paperwork process, you need to understand in detail how to obtain a temporary compulsory medical insurance policy. This and much more will be discussed later in this article.

general information

Before we begin to consider the main aspects, let's first understand the general nuances. A temporary compulsory medical insurance policy is nothing more than an insurance certificate that guarantees its owner that in the event of any health problems, the state will provide free medical care. In this case, the institution receives money from the federal budget or from the citizen’s insurance savings account, to which deductions from the payroll fund are transferred every month.

As for the insurance itself, it is free. In addition, its effect extends throughout the country, so wherever the holder needs help, he can be sure that he will receive it. For example, if you took out a temporary compulsory medical insurance policy in Moscow, then when you go to a hospital in Krasnoyarsk, Vladivostok or any other city, you will not only be accepted for a consultation, but also treated for free.

In what cases is insurance required?

This aspect deserves special attention. If you do not have regular insurance, you will have to pay for care at the clinic. Therefore, you need a temporary policy with a limited validity period, under which you can make an appointment. In addition, this document is required in the following cases:

• at the birth of a child;
• for the period of re-issuance of permanent insurance in the event of its expiration or loss;
• foreigners staying in Russia.

A temporary compulsory medical insurance policy is valid for 30 calendar days, during which permanent insurance must be issued.

Document appearance

Temporary medical insurance is a standard form that is printed on a regular A4 sheet. It is filled out by representatives of the insurance company in the presence of the client when concluding an insurance contract. The document is subject to strict reporting, so it has a personal number of a temporary compulsory medical insurance policy, which is entered into a unified electronic database. The form must include the following information:

• organization name, physical address and contact information;
• date of completion and number;
• information about the insured person;
• duration of the policy;
• signatures of both parties;
• Stamp of the company.

You should approach filling out the document very seriously and double-check everything carefully, because if even the slightest mistake is made, it will be invalid.

Registration procedure

Let's look at this in more detail. Every person has the right to receive a temporary compulsory medical insurance policy, regardless of citizenship, but it is very important to follow a certain procedure. It’s not complicated, but you’ll still have to run around a bit and tinker with documents. You will need the following:

• passport of a citizen of the Russian Federation or another country;
• taxpayer identification number.

If you are a non-resident of the Russian Federation, then you will need to obtain a compulsory medical insurance policy for temporary registration. Therefore, decide in advance the issue of your accommodation and fill out all the necessary certificates. If you want to take out insurance for a child, then you will need to attach his birth certificate to the list of the above documents.

How to get insurance for foreign citizens

What do you need to know about this? In Russia, a temporary compulsory medical insurance policy is also issued for foreign citizens, but the procedure for obtaining it is slightly different. In particular, this concerns the preparation of documents. No insurance company will enter into an agreement with a foreign citizen if he does not have the following documents with him:

• passport of your country with a notarized translation;
• original and copy of the document on temporary registration in Russia;
• SNILS.

If this is not the first time you are taking out insurance, then you will also be required to provide old policies.

Where to apply for compulsory medical insurance?

Today, the insurance market is very well developed, so there will be no problems with obtaining insurance of any type. You can do this:

• at any insurance company;
• in the hospital at the place of registration;
• in the multifunctional center;
• through a specialized service at the official place of work.

It is worth noting that when applying for insurance, you may be given both a printed and filled out form of the established form, and a plastic certificate. Regardless of the type of document, it is important to make sure that it contains the number and series of the temporary compulsory medical insurance policy. This is very important because based on this you will be able to verify the authenticity of the insurance and avoid many problems in the future.

How does the registration procedure work?

Registration of temporary compulsory medical insurance is practically no different from any other type of insurance. First of all, you should contact the authority that provides health insurance services. You must have the package of documents listed above with you. As soon as they are verified, you will receive a temporary document valid for one month. During this period, you are required to apply for permanent compulsory medical insurance.

What opportunities does the policy provide?

As mentioned earlier, a temporary certificate confirming the registration of a compulsory medical insurance policy provides the same rights as permanent insurance. This is clearly stated in the regulations, so you don’t have to worry about being denied medical services based on it. However, in some cases problems still arise. Here are the most common ones:

• Information about the insured person takes too long to arrive at the clinic, as a result of which the citizen may be denied service when applying.
• The printed form does not have a barcode or there were some errors when filling it out. In this case, when you try to make an appointment with a specialized specialist through a self-service terminal, you simply will not succeed. But this problem is quite easily solved. You need to contact your insurer, who will make all the necessary changes.

The solution to any problem depends solely on each person. Some defend their legal rights, while others turn a blind eye and wait for a permanent policy to be issued to them. In addition, medical employees often negligently fulfill their obligations and do not provide quality service to patients who come to them under temporary insurance. In no case should this be ignored, as this is a gross violation of the law. You should definitely contact your insurance company.

What is included in compulsory medical insurance?

This is a very important aspect that every person should have a detailed understanding of. In fact, insurance is a kind of service, having signed up for which, you must use all available capabilities. A temporary certificate (policy) of compulsory medical insurance guarantees receipt of basic assistance, which means the following:

• calling an ambulance in the event of an emergency when the patient cannot independently arrive at the hospital for some reason;
• hospitalization in case of injury, heart attack or exacerbation of a serious illness;
• consultation and examination by specialized specialists;
• attending educational events to improve health literacy;
• obtaining modern methods of therapy in certain regions participating in the state program;
• surgical operations of varying levels of complexity if the hospital has the necessary equipment and medications;
• free receipt of medicines;
• all types of therapy for people whose work is associated with conditions harmful to health;
• any type of assistance to pregnant women and newborns.

All the services listed above are basic. Some insurance companies provide the opportunity to take out a temporary compulsory medical insurance policy, which provides extended coverage. To know exactly what the contract includes, you must carefully study all the conditions when signing the document.

How long will registration take?

The insurance business is one of the most profitable, which is why today there are a huge number of insurance companies operating on the market. However, not all of them fulfill their obligations in good faith, and there are also a considerable number of scammers who issue fake insurance policies that have no legal force. Therefore, you must be very selective when choosing an insurer.

As for the processing time, it may vary. After you have submitted a package of necessary documents to the IC, its employees will check them for authenticity and correctness. This can take a lot of time, as a result of which a citizen may be without insurance for quite a long time. You can check your temporary compulsory medical insurance policy for readiness yourself. You can do this:

• by calling the multifunctional center office;
• online through the insurance company website.

It is worth noting that large insurance companies with representative offices in many regions of the country provide SMS information to their clients about the status of the application. But there are few such organizations, so people have to worry about everything on their own.

Conclusion

This article covered the topic of temporary compulsory medical insurance in detail. Finally, it is worth noting that they are no different from permanent insurance, except for a shorter validity period. If you are refused admission or receive poor service, you can file a complaint with the head physician. If this does not lead to anything, you should not turn a blind eye to this. You need to contact the insurance company with a request to take any measures to solve the problem.

You can also always go to court, which will bring violators to criminal liability. But, as practice shows, in most cases, citizens receive quality assistance. The main thing is not to forget to provide information about obtaining permanent compulsory medical insurance. Otherwise, after 30 days, you may actually not get an appointment with a doctor.

A new type of compulsory health insurance (CHI) policy, in the form of a card with an electronic storage medium, is available for receipt throughout Moscow in 2019.

Why do you need a compulsory medical insurance policy?

To present to medical workers when receiving free medical care.

The policy is valid throughout the Russian Federation. Therefore, if you go traveling around the country, it is better to take it with you.

If you do not have a policy, you will only be able to receive emergency care.

Who can use compulsory medical insurance services

All citizens of the Russian Federation, as well as foreign citizens and stateless persons living in the Russian Federation.

The “residing” status for foreigners is confirmed:

• residence permit
• temporary residence permit - compulsory medical insurance is issued for the period of the permit

What services can be obtained under compulsory medical insurance?

There is no single list of services that can be provided under the compulsory health insurance program. There are only classes of diseases for which assistance is provided through compulsory medical insurance funds.

The range of services will be determined in accordance with the diagnosis, according to the standards approved by the Ministry of Health and Social Development of the Russian Federation.

What services are provided free of charge?

Any treatment or diagnostic procedures prescribed by a doctor must be performed free of charge.

In addition to what the doctor prescribed, he can also “advise”, so whether to follow the advice and pay extra money is up to you.

In any case, no one forbids calling the insurance company and asking whether such treatment will be covered.

Is it necessary to replace the old one with a new one?

Paper forms of a uniform type, issued earlier, are valid on a par with new electronic cards, as well as old plastic cards without a chip, model 1998. There is no need to replace the old one with a new one.

What are the benefits of the new 2015 compulsory medical insurance policy?

• Compact size - easy to carry
• Availability of a photograph and sample signature - no need to present your passport at the hospital or clinic
• Support for all functions of infomats - electronic terminals installed at the entrance to medical institutions

Where to get a medical policy

In Moscow, there are about a dozen insurance companies:

• JSC MSK UralSib
• JSC SG Spasskie Vorota-M
• JSC Insurance Company SOGAZ-Med
• VTB Medical Insurance LLC
• JSC "MAKS-M"
• LLC "MSK "MEDSTRAKH"
• LLC "Rosgosstrakh-Medicine"
• LLC "SMK RESO-MED" (Moscow branch)
• LLC SK "Ingosstrakh-M"

The choice will depend rather on the location of the offices and the availability of a telephone number where you can get advice around the clock. Having a competent support service will help you sort out a controversial situation with a medical institution.

How to get a compulsory medical insurance policy in Moscow

You need to submit an application to the selected insurance company, most likely you won’t have to fill it out, the operator will do it for you. You need to have a passport and an insurance certificate of compulsory pension insurance (SNILS) with you, if available. For children under 14 years old - birth certificate.

The policy will be issued to you in 30 days, but in the meantime you will have a temporary certificate that can be used during this period of time. The insurance company will notify you when it is ready.