A temporary certificate confirming the issuance of a compulsory medical insurance policy and its validity period. What is the validity period of the compulsory medical insurance policy of the old and new sample? New health insurance card

What kind of medical policies can there be? The fact is that in Russia there is a health insurance system, both compulsory and voluntary. A kind of policy serves as a document confirming this. What could he be like? How to get it? How long is the document being studied valid? In reality, figuring all this out is not that difficult.

What it is

First, it’s worth finding out what kind of document we’re 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 presence of medical insurance of one type or another. That is, participation in the compulsory medical insurance or voluntary health insurance system is assigned to the person. By the way, you can use several options at the same time.

If you have 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. The policy is required for both children and adults.

Compulsory medical insurance

Now you can consider several types of document being studied. Medical policies may vary. For example, paper ones received under the compulsory medical insurance program. This is a fairly large piece of paper, which is placed in a special envelope. The document contains information about the recipient, as well as the name of the organization that issued the policy. Please note that each recipient is assigned a separate medical account number. This is an extremely important component for serving citizens.

Compulsory medical insurance 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. First, it’s worth understanding what kind of medical policies there are for citizens in Russia.

VHI

The next option is voluntary health insurance. There is a separate policy for this system. It usually comes in the form of either a plastic card or a small book containing information about the owner and the organization that carried out the insurance procedure.

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

More and more often, citizens turn to one or another authority to apply for a VHI policy. There are various voluntary medical insurance programs. But 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 compulsory health insurance system, 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. The latest news indicates that from now on every citizen has the opportunity to obtain a new document.

Now the compulsory medical insurance policy is presented in the form of a special plastic card, which resembles a bank card. In this case, the document will contain all the information specified in the paper counterpart. Only information processing using such a card 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 initially issuing paper, a citizen is issued the first type.

How long is a temporary policy valid? 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 of unlimited duration. But if personal data changes (for example, last name) or paper media wears out, it must be replaced. When using a VHI document, the validity period expires in accordance with the terms of the selected program.

Universal card

These are not all the features you need to know about. You should take into account the fact that medical policies can be found not only of the previously mentioned types. There is a so-called UEC. This is a universal electronic card.

This document cannot be called a purely medical policy. Instead, the UEC replaces most of the existing papers. Therefore, it is often considered as another type of document being studied. 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 information about him on the back. The validity period of such a 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. Whether it’s Moscow or any other city, the rules are the same everywhere.

Where to receive

But where can I get a medical insurance 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, a medical company is responsible for issuing and processing the document being studied. The policy can be exchanged or issued at the points of issue of the paper being studied, which are located in clinics.

Most often, an insurance company issues a medical policy. Both under the compulsory medical insurance program and under the voluntary medical insurance program, 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 websites, the citizen will find out the exact location of the next MFC. These organizations have their own addresses in each city. A medical insurance policy is issued at the MFC in the same way as at insurance companies.

Documents for registration

What will it take to get it? Regardless of what type of policy is needed, citizens present a certain list of documents. It all depends only on the age and citizenship of the person. Thus, citizens of the Russian Federation, adults, bring with them:

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

For children the list is slightly different:

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

Medical policies are also 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 stay on the territory of the Russian Federation).

A new type of medical policy is issued in a similar way. Where can I get it? The same place where the documents were submitted. When applying through “State Services”, it is proposed to either contact the district MFC to receive it, or the nearest insurance company that issues the policy. By the way, a document issued under the compulsory medical insurance program does not require any funds. Registration is completely free.

The compulsory medical insurance certificate is a document without which medical care will not be provided. This is explained by the fact that a medical institution receives funding based on a report on the services provided. It is obliged to submit monthly information to the health insurance company about the number of people and personalized information about each person. Payment is made on a per capita basis for each insured person. The policy contains your full name, passport details, insurance number, name of the insurance company and its telephone number. In this article we will find out what is the validity period of a compulsory health insurance policy.

Duration of the policy for medical services, how long it is valid

The document can be issued in several forms:

• on paper;
• like a 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 is unified and has been since 2016, and also has the same shape 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 has no statute of limitations if it is issued to a Russian citizen, regardless of the form of issue after 2011. Replace and, perhaps at will or as needed.

Situations in which replacement of an insurance document is required:

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

On the video – compulsory health insurance policy:

Passport data must necessarily correspond to the information in the compulsory medical insurance policy. for any reason (adoption, marriage, etc.) requires contacting the MIC that issued the insurance document.

If you change your place of residence, the situation is similar, but if you move to another region, you will need to reinsure yourself and get a new policy. Find out how to get an electronic medical policy.

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

A citizen can voluntarily change the policy if he wants to switch to another insurance organization or have a plastic or electronic certificate instead of a paper one. A temporary one is issued for the period of re-registration. He will tell you 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, procedure for provision

Persons who are not permanently in the Russian Federation, who are citizens of other states, without citizenship, also have the opportunity to receive medical services in accordance with the health insurance standard.

These include:

• foreigners working under contract;
• having a residence permit;
• diplomats and diplomatic mission staff;
• refugees;
• citizens coming from the AUES;
• 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;
• validity of the employment contract;
• period of study.

The temporary document is issued on paper and indicates the date of issue when the insurance expires. Extension of the contract requires the receipt of new paper. Read about electronic MTPL insurance at.

Citizens of the Russian Federation, when changing their last name, the insurance company also receives a temporary copy of the policy for a period of no more than 30 days so that the person does not find himself without medical care during this period. After the specified time has expired, it ceases to operate.

Changing an old compulsory medical insurance document when changing your last name

Changing personal data in connection with a change of surname requires the mandatory replacement of all documents, the data of which is in the databases of the Pension Fund and Social Insurance.

The compulsory medical insurance policy refers to such certifying certificates.

Changing your surname due to marriage or divorce, adoption, or at will leads to the need to visit the MSK where the document was issued. Find out about the VHI policy for foreign citizens at.

This must be done within a month after receiving an updated passport or certificate of the child’s data. At the time of re-registration, a paper of limited validity is issued.

The video shows the procedure for replacing a policy:

In the case when an individual simultaneously changes his place of residence, the UK, he is issued a temporary certificate valid for up to 30 days. With the receipt of a permanent one, it loses its power.

How to check the validity period of a compulsory health insurance policy

Compulsory medical insurance is drawn up in the form of an agreement, the validity of which is unlimited after 2011. When changing passport data, the certificate must be changed. Non-citizens of the Russian Federation are entitled to temporary policies.

Policy Compulsory health insurance is a system that allows you to receive most medical services free of charge in any region. It works as follows: every month everyone who works in the Russian Federation makes contributions to the Compulsory Health Insurance Fund. These funds go to medical insurance organizations operating in the compulsory medical insurance system. And they already pay for the work of employees of clinics, hospitals, dispensaries and other medical organizations - according to the number of patients served and services provided to them.

In order to receive medical services free of charge, you must confirm that you are in the compulsory medical insurance system. This can be done by presenting a compulsory medical insurance policy.

2. How to apply for a compulsory medical insurance policy?

To apply for a compulsory medical insurance policy you will need:

• passport or temporary identity card if you are changing it;
• individual personal account insurance number (SNILS).

If you are taking out a policy for a child, you will need:

• application (filled out at the appointment);
• child's birth certificate;
• a document confirming that you can represent the interests of the child: your passport, an act of the guardianship and trusteeship authority appointing a guardian or trustee, a court decision, and so on;
• SNILS number of the child (for children under 14 years old - if available, for children over 14 years old - mandatory).

If your representative will submit the documents, you will additionally need:

• representative's passport or temporary identity card, if he changes it;
• power of attorney for insurance in the selected organization.

Compulsory medical insurance policy can also be issued To apply for a compulsory medical insurance policy, a foreigner will need:

• application (filled out at the appointment);
• a passport of a foreign citizen or another document recognized in the Russian Federation as identifying a foreign citizen in accordance with an international treaty;
• a residence permit for permanent residents of Russia or a note on a temporary residence permit in the Russian Federation in the passport of a foreign citizen or in another identity document for temporary residents of Russia;
• SNILS (if available).

You can submit documents to a medical insurance organization from the register of the Moscow City Compulsory Medical Insurance Fund. Citizens of the Russian Federation registered in Moscow (both adults and children), who have never previously received a compulsory medical insurance policy, can apply for a policy both at the insurance company and at any public service center, regardless of the region of registration.

Please note: before registering the birth of a child and for 30 days after that, medical insurance for the child is provided by the same insurance company that insures his mother or other legal representative. After this period, one of the parents or another legal representative may choose another insurance company for the child.

The compulsory medical insurance policy will be ready within 30 working days after registration of the application and documents submitted by you. During this time, on the day of your application, you will be given a temporary policy, which you can use as usual.

3. How to change or restore your compulsory medical insurance policy?

If you are satisfied with your insurance company, you need to change your compulsory medical insurance policy or issue a duplicate in cases where:

• you changed your place of residence, full name or other data in your identity document - within a month;
• you have discovered an inaccuracy in the personal data specified in the document;
• you have an old-style compulsory health insurance policy (green A4 sheet or plastic card), but you want a new document (blue A5 sheet or three-color plastic card);
• you have spoiled or lost your compulsory medical insurance policy.

To replace or obtain a duplicate policy, you will need the same documents as for the initial registration. If your personal data, place of residence has changed, or inaccuracies have been discovered in the issued compulsory medical insurance policy, you will also need documents confirming this.

You need to contact your insurance company. IN

If you want to change your insurer, you need to apply for a new policy from the organization you like. But please note that, as a general rule, you can change your insurance company no more than once a year. If you have changed your place of residence or your insurance company has ceased operations, you can do so more often. However, from November 1 to December 31, applications to change the insurance company are not accepted.

Within 30 days after registration of your submitted application and documents, you will be issued a new sample compulsory medical insurance policy (old sample policies are no longer issued). During this time, you will be given a temporary policy, which you can use as usual.

4. Is it possible to apply for a compulsory medical insurance policy online?

Adult users of the Official Website of the Moscow Mayor who have a full (confirmed) account and who have SNILS indicated in their personal account can submit documents for registration (replacement, restoration) of a compulsory medical insurance policy online.

To apply for (replace, restore) a compulsory medical insurance policy online, you will need:

• scanned copy of an identity document;
• Black and white photograph 320x400 pixels in size, up to 5 MB in format: JPG, JPEG, JPE.">photography(when ordering a compulsory medical insurance policy in the form of a plastic card with electronic media)
• A scanned copy of the signature in black and white, 160x736 pixels in size, up to 5 MB in size in the following formats: JPG, JPEG, JPE. The size of a handwritten signature should not exceed 10x46 mm.">scanned copy of the signature(when ordering a compulsory medical insurance policy in the form of a plastic card with electronic media);
• compulsory medical insurance policy number (if available).

After you submit the documents, a temporary certificate will be available for download in your personal account. The compulsory medical insurance policy itself will be ready within 30 days after registration of the submitted documents. You will be able to receive it at your chosen point for issuing policies of a medical insurance organization or at a government services center (depending on which method of receipt you specify when submitting documents).

5. How to check if my compulsory medical insurance policy is valid?

6. What medical services can be obtained free of charge under the compulsory medical insurance policy?

Under the compulsory medical insurance policy throughout Russia (regardless of where it is issued), you can receive free Medical services are provided in medical organizations participating in the implementation of territorial compulsory medical insurance programs to the extent established by the basic compulsory health insurance program.

The procedure for replacing the compulsory medical insurance policy with a new type policy started several years ago. A personal application to a company specializing in health insurance or to the MFC will help you obtain a new type of compulsory medical insurance policy. Alternatively, it can be ordered through a proxy. The preferred form of the received document must be indicated, which is available for:

• people with Russian citizenship;
• people who are citizens of other states but reside in Russia on a permanent or temporary basis;
• refugees;
• persons without citizenship.

It is required to provide its owner with medical care without payment throughout the entire territory of the Russian Federation, giving the right to choose a medical institution, calling on clinics, hospitals, and medical centers to work efficiently and quickly.

What does he look like?

A new policy can be obtained from:

• in the usual form - a paper document with data placed on both sides;
• compact form of a plastic card;
• as part of a universal electronic card (a promising option).

What does the new sample compulsory medical insurance policy look like in paper form? The format of the new document is A5, it is not recommended to bend it, and laminating it is strictly prohibited. The only thing that can be done is photocopies on both sides, which will help extend the life of the original. On the front part there is information about the owner (full name, day, month and year of birth), date of receipt, and a unique barcode. On the reverse side is printed information about the place of residence, the insurance company and its coordinates.

The electronic form is similar to a bank card. All data about who issued it is stored on the CHIP, for this reason, owners of plastic insurance should remember the name of their insurance company in order to provide information in hospitals and clinics. A unique number is also located here. On the reverse side there is a photograph and signature of the owner, the date until which the card is valid. The answer to the question of where to get a new plastic compulsory health insurance policy requires additional preparation related to calling organizations whose activities are related to health insurance. The reason is that not everyone has the technical ability to issue a plastic version.

You can check the authenticity of the paper or plastic version of the policy issued to you on the official resource by entering a unique number in a special search bar. You will need to turn the document with the front side facing you, where the compulsory medical insurance policy number of the new sample is printed, regardless of whether it is made on paper or plastic.

List of documents

The documents for obtaining a new compulsory medical insurance policy are, in principle, the same for everyone:

• a correctly completed application to an organization whose specialization is health insurance;
• a certified copy of a document that can clearly prove your identity;
• a certified copy of SNILS (if available).
• a certified copy of a document confirming the status of “refugee” (certificate of consideration of an application on this issue), a residence permit, an identity document of a stateless person, which contains a mark confirming the legality of residence on the territory of the Russian Federation for foreign citizens, refugees and stateless people respectively.

Having submitted an application for a uniform medical insurance document, the applicant receives a certificate that replaces the policy and gives the right to receive medical care until the registration procedure is completed. This certificate can be used for no longer than thirty working days, after which the original health insurance document in the form chosen by the applicant must be received in person.

Regardless of whether you are a citizen of the Russian Federation or not, obtaining a new compulsory medical insurance policy is quite simple and quick.

Do I need to renew or order a reissue?

First of all, it should be emphasized that all medical insurance documents received in hand, dated January 1, 2011 and earlier, are required to be accepted by any medical institution. Whether or not to change the old version is up to its owner.

It is worth paying attention to the fact that when you receive a new sample document in your hands, you will not find an expiration date on it. Therefore, to the question: “Is it necessary to renew the compulsory medical insurance policy of the new model?” The answer is no, with some caveats:

• There are no restrictions on the validity period of this document for citizens of the Russian Federation;
• for people who have received refugee status, the policy will be valid until the person leaves the country;
• He will help people who have a permit for temporary stay in the Russian Federation to receive medical care free of charge as long as the permit is valid.

Advantages

The new standard compulsory medical insurance policy is valid on the territory of all constituent entities of the Russian Federation, regardless of the residence permit or registration of the owner. For this reason, you must take it with you on any trip within Russia. The new unified compulsory medical insurance policy gives the right to choose not only the doctor providing medical services, but also the medical institution.

The nuances of obtaining a new sample document

As in any business initiated by the Russian authorities, when obtaining a single policy guaranteeing medical care, there are a number of nuances that need to be prepared for.

You can change your insurance company once during a calendar year and strictly before November 1st. The exception is the new owner's registration address.

Insurance is provided by one organization at a time. Accordingly, a person can be the owner of one policy.

If a plastic format is lost or damaged, then only its paper counterpart can be issued to replace it.

The country’s government plans to eventually move en masse to a universal electronic card, which will replace policies (not only old, but also new ones), performing the functions of an identity card, a certificate of pension insurance, etc., opening access to a variety of state and municipal services in any region Russian Federation without payment.

Compulsory health insurance is the basis of the social medicine system in Russia.

Every citizen of the Russian Federation has the right to receive free medical care, but in practice, even to receive emergency medical care, a compulsory medical insurance policy is required.

It guarantees that all costs of treating a patient within the established limits are reimbursed by the state, and allows for effective registration of citizens who apply to medical institutions.

Types of compulsory medical insurance policies

Currently, existing compulsory medical insurance policies are issued in three forms:

• document in A5 format;
• a plastic card on which the basic data of the insured person is indicated, and all information is duplicated in electronic form;
• UEC (universal electronic card). On it, the data of the insured person is indicated in electronic form. Cards are not issued and accepted in all regions of the country.

All three forms of the policy are valid; in many regions, a plastic card is issued along with a paper version of the policy upon receipt.

The card is more convenient to carry and use, so the paper policy can be kept at home as a backup in case the card is lost.

Due to the lack of facilities in hospitals for working with electronic media, compulsory medical insurance policies are still rewritten manually when preparing documents, but no special problems arise when presenting a plastic policy card, at least in Moscow and other large cities.

Also Compulsory medical insurance policy can be temporary or unlimited, in most cases a policy is issued with an unlimited validity period. Regardless of which insurance company has issued a specific compulsory medical insurance policy, it must be issued according to a single template.

Do you want to know about life and health insurance programs offered by insurers?

Or read HERE about the activities of the Federal Compulsory Health Insurance Fund

Validity period of the compulsory health insurance policy

At different times and in different regions, their own compulsory medical insurance policies were issued, so they can vary greatly in form and validity period. Since 2011, it was planned to transition to a unified form of compulsory medical insurance policy in connection with the introduction of the UEC.

During the implementation of the UEC project, many problems arose, but at present a new type of policy has been introduced. It is issued to citizens receiving a policy for the first time (newborns, previously uninsured persons and in some other cases).

It is easy to find out the validity period of the policy - it is indicated in the document itself. The new type of policies do not have a validity period, which greatly simplifies the life of their holders.

Replacement of old policies is carried out as planned when changing a passport for any reason provided by law (usually a change of surname, change of passport due to age or due to loss or damage).

An expired compulsory medical insurance policy is not a reason to refuse medical care, but in practice, people with an old policy issued before 2007 may have problems with paperwork in some hospitals, so it is better to change the compulsory medical insurance policy in the same company that issued it issued, or in another.

But it should be remembered that the refusal of medical care to a person who presented an old-style policy is unlawful and is a reason to contact the regulatory authorities to bring the guilty person to justice.

Regardless of the validity period, it is better to change the policy if important parts of the document have become unreadable, for example, when folding a paper policy into four times in order to carry it in your passport.

It should also be taken into account that a policy issued under an old surname or that has become unusable due to wear and tear may not be accepted at a medical institution - to complete the paperwork, you must fill out all the essential data and, if they cannot be read, this will create a problem when entering the hospital.

An exception to the rule about the indefinite validity of the compulsory medical insurance policy are cases when a person entitled to free medical services resides temporarily in the territory of the Russian Federation.

• refugees;
• persons with temporary residence permits.

The validity period of the policy is equal to the validity period of the document permitting residence in the territory of the Russian Federation for the specified persons, and upon its expiration the policy must be replaced.

Do you want to know how to buy a voluntary health insurance policy at a favorable price?

Or read HERE about health insurance for a Schengen visa.

And in this article you will learn about health insurance in sports:

Let's sum it up

The compulsory medical insurance policy is a very important document in everyday life; without presenting it, you are unlikely to be treated in a hospital and may even be refused emergency medical care (although this would, of course, be illegal).

Therefore, the receipt and timely replacement of the policy should be taken responsibly, taking into account that:

• old-style compulsory medical insurance policies continue to be valid, even if they have an expiration date until 2011;
• policies issued before 2007 must be replaced with new policies;
• a plastic card-policy is equivalent to a paper medium;
• Compulsory medical insurance policies of the new sample do not have a validity period and are subject to replacement only in case of loss or damage.

Video about the validity periods of old-style compulsory medical insurance policies

Compulsory health insurance is part of the social protection of Russian citizens, and the compulsory medical insurance policy is the main confirmation that guarantees the right to receive free medical care. Modern compulsory medical insurance policies are issued in a new format, and many are concerned whether it is necessary to change the old document to a new one in order to count on treatment. In this article we will try to figure out what types of policies are available in the Russian Federation and what are their validity periods?

What is a compulsory medical insurance policy?

Any resident of the Russian Federation who has Russian citizenship is covered by the compulsory health insurance program only if they have a policy. The main document indicating that a person is an insured person is a compulsory medical insurance policy: it is presented in clinics and hospitals when applying for help provided free of charge.

Having a compulsory medical insurance policy is a mandatory condition for receiving medical care in a public clinic. In the absence of an appropriate document, the patient has the right to rely only on emergency (ambulance) care, and other types of treatment will be carried out at his expense.

Medical institutions necessarily require a policy, primarily due to the specifics of the compulsory insurance system - after providing the service, the medical institution must issue an invoice to the insurer using the individual number of the insured person. In addition, the presence of a policy allows government agencies to obtain the most reliable and up-to-date information regarding how many people and during what period applied to health care institutions and the state of the general situation in the field of medicine.

Registration of a compulsory medical insurance policy is possible both during the patient’s inpatient stay in the hospital, on the basis of a request from the medical structure, as well as by power of attorney, which is applied by an official representative.

What types of compulsory insurance policies are there?

Over the years, compulsory medical insurance policies have been issued in different formats - from a simple printed document of the established format to an electronic card with a chip. Today the following forms of release are considered valid:

• a document consisting of an A5 sheet indicating the details of the insured person, the insurance company and other information;
• plastic card - on its front side the full name of the person to whom it belongs is indicated, and the electronic medium stores all the information in memory;
• universal UEC card - all information about the insured person is recorded on an electronic microchip. Such policies are not issued in every region of the Russian Federation, but they are considered valid, like the previous types.

The simplest type is a paper type policy. In most cases, a duplicate card is issued along with it, which has the same functions. It is optimal to store a paper sheet at home so as not to lose or spoil it, and a card is easier to use and easier to keep at hand. Because government agencies often lack the equipment and facilities to electronically process data from modern media, information is often copied manually using a paper census. However, in large populated areas there are no difficulties in accepting the UEC and the old-style electronic card.

Regardless of whether the policy is old or new, it can be temporary or indefinite: the first is usually issued as a document for the period of replacement of the main one. Registration must be carried out according to the sample, the form of which is uniform for all insurance companies.

How long is the compulsory medical insurance policy valid?

Since the policies were issued at different periods of time and in different localities, not only the form but also the duration of their validity varies significantly.

In 2011, a universal electronic card system was introduced, which was supposed to standardize the health insurance scheme and ensure the transition to a single policy. During the implementation of the idea, many technical and other difficulties arose, but today the new document has been put into operation. However, not all citizens have changed their policy; many continue to use the old document, and it is not always clear when exactly it is necessary to contact the relevant structures for a replacement. Today, a new sample document is immediately issued to persons receiving such a document for the first time, namely:

• newborns;
• persons not previously registered in the compulsory medical insurance system.

The validity period of old policies is indicated on the front side of the document, while documents of the new sample are unlimited, i.e. They do not have a validity period, which, undoubtedly, is their great advantage.

Most often, people apply to replace an old document with a new one in the following cases:

• change of identity card: when changing your passport at 14, 20 and 45 years old, you must contact the insurance company to issue a new policy;
• change of personal data: full name, gender, etc.;
• loss of a document or its damage.

Re-registration procedure

When an old-style policy expires, you need to understand that such a circumstance is not a basis for refusal to provide medical services, especially emergency care.

However, persons who issued documents before 2007 often encounter difficulties, especially at the re-registration stage. Thus, old-style policies must be replaced by the company where the old one was issued, or by another insurance organization if the patient decides to change it.

Presentation of the policy is often required when providing emergency assistance. If a patient encounters a refusal, which is motivated by the introduction of a new sample of documents into circulation, he needs to contact the management of the medical institution, as well as the insurance company or compulsory medical insurance fund in the region where he is currently located. Replacing a document takes on average 1-1.5 weeks, depending on the work schedule of the insurance company.

If the policy is damaged, regardless of the format and date of issue, it is better to change it: a damaged card/form may not be accepted at a medical institution on the basis of unreadability or dilapidation, which will be a justified refusal.

conclusions

Replacing an old-style policy is a procedure that is advisable to carry out in order to avoid problems that may occur when registering for a hospital, providing emergency medical care and in other situations. Despite the fact that the law does not prohibit the use of policies from previous years of issue, it is worth replacing, especially if the old document has become unusable.

Policies issued before 2007 are recommended to be changed without fail, since technical difficulties arise with their registration; documents issued after this date are still valid, although many have an expiration date of 2011. Modern UEC cards do not have a limited validity period, so they are changed only if the personal data of the insured person is damaged, lost or changed.

Compulsory medical insurance – compulsory health insurance. In Russia, compulsory medical insurance is an analogue of the American systems of providing medical services to the population - Medicare and Medicaid, which have been operating for half a century and are the backbone of American healthcare. In the States, the most important question regarding health insurance has been and remains the question of the list of medical services that are covered by this insurance. In Russia, until recently, the issue of the list of services within the framework of compulsory medical insurance did not arise particularly acutely. Maybe it's a matter of ingrained traditions of self-medication. Or maybe it’s because compulsory medical insurance has only begun to be significantly reduced in recent years. The main issue was the validity period of the compulsory medical insurance policy. That is, each policy, regardless of which insurance company it was issued, almost always had a very limited expiration date.

After which it needed to be replaced with a new copy, i.e. extended. True, certain categories of citizens were issued a perpetual policy, which was valid until its complete physical wear and tear. Finding out the period for which the policy was designed was not difficult. Information about compulsory medical insurance and the validity period of this policy was indicated on the document itself.

Before 2011, the validity period of a compulsory health insurance policy was on average several years, but the period of relevance of this document in different regions could vary greatly. In the Russian Federation, to this day, the most common and well-known version of the compulsory medical insurance policy is an A5 piece of paper, which, as a rule, is also folded in four to make it more convenient to carry in a purse or directly in your passport. Actually, this is why previously the policy had to be renewed so often.

What does compulsory medical insurance provide and the different forms of this policy?

The paper, which was not of the best quality, quickly deteriorated to such an extent that it became problematic to make out basic information about the policy holder. Currently, the old-style compulsory medical insurance policy retains its legal force. However, gradually the form of this medical document is being optimized, and old samples are giving way to new ones. What does the described document provide? Following:

1. The compulsory medical insurance policy allows every citizen of the Russian Federation to count on a minimum set of vital medical services, for which the citizen does not pay directly, and the state tax on medical care is regularly collected from income.
2. The policy allows you to keep a variety of statistics at the state level: how many people went to the hospital during a specific period, for what reasons, how often does it happen that the necessary treatment goes beyond the scope of compulsory medical insurance, and so on.

There are currently three forms of this document in force:

• a well-known A5 paper sheet;
• a plastic card with a set of basic personal and medical information about the patient (full name, home address, telephone number, blood type, disability, positivity for major infections such as HIV, tuberculosis, hepatitis, etc.). The entire set of information on the card must also be duplicated in the electronic database of medical institutions in the locality where the card holder lives;
• UEC is a universal electronic card that exists exclusively in electronic form. Essentially, this is a cell in the database that saves the insurance company client from having to carry another document with him. However, in the regions of the country, the UEC has not been introduced everywhere; the process of transition to such an electronic catalog continues to this day.

Old samples of compulsory medical insurance policies and new unlimited ones

But there is no talk yet of canceling the old compulsory medical insurance policy. Newborn children and people who have received a new passport (change of surname, loss or destruction of an identity card) are now required to be provided not only with a new insurance policy in paper format, but also with a plastic card. Compulsory medical insurance of the new model is unlimited.

Moreover, increasingly, UEC is also being introduced to holders of paper policies and cards. That is, a person receives all three mutually duplicating documents. In the future, it is expected that there will be a complete abolition of physical insurance carriers and a complete transition to UEC. This process is hampered by the slow computerization of Russia and the familiarity of the population with old paper policies, not to mention bureaucratic obstacles.

A medical policy, regardless of the date of issue and the insurance company, must always meet the same standard. Since 2011, such a standard has been introduced. As already mentioned, its owners are those born after 2011 and who have changed their passport. However, if desired, the old-style policy (before 2011) can be replaced with a new one. At the same time I received an insurance plastic card. Persons who received a compulsory medical insurance document before 2007 urgently need to update it.

Since certain clinics may refuse service to a client who presents an expired policy. Although in fact this is illegal, because even the old policy retains its legal force. This means that the person was registered in the national health care system, from which no one has the right to exclude him.

It may also happen that the institution offers paid services to a client with an old insurance policy. In such a situation, you can safely go to Rospotrebnadzor and write a complaint addressed to the head physician.

It is worth mentioning separately about persons officially temporarily residing in the country:

• refugees;
• foreigners doing business in the Russian Federation;
• foreigners studying in the Russian Federation;
• foreign tourists;
• foreign relatives who came to visit.

Key points regarding compulsory health insurance

All these categories also have the right to medical care from the Russian healthcare system, but their policy is always valid for exactly as long as their stay in the country takes. Moreover, even if the length of stay increases, the medical insurance policy is still subject to renewal. So to summarize:

1. Persons who have a policy from 2007 or earlier are highly recommended to take an updated medical document instead. This can be done at the medical institution to which the person is assigned at his place of residence.
2. Persons using a 2008–2010 policy are advised to find out whether the document needs to be renewed (the answer may vary in different regions). Although in most cases such policies retain their validity, since they are increasingly being made permanent along with the new policies from 2011.
3. If you have both a plastic card and a paper A5 format, it is better to carry only the card with you. Legally, it is completely equivalent to a paper policy, but wears out many times slower.
4. Currently, the need to renew policies is a thing of the past. Modern ones are replaced only if they are lost or physically destroyed.
5. At the first opportunity, it is recommended to create a UEC, then even if all physical insurance medical documents are lost, a person will be able to receive all the assistance required under compulsory medical insurance without any problems.

What is VHI and its features

In particular, the VHI policy should be mentioned. VHI is voluntary health insurance. The policy of this type of insurance, as a later and modern one, is issued in electronic card form. That is, the client receives a plastic VHI card. You can check all the necessary information on it using a reading terminal, which can increasingly be found in large clinics in the country. The client is also entered into an electronic database. Lately, voluntary health insurance offered by Rosgosstrakh has become very popular. A valid VHI policy provides a lot of advantages that, alas, compulsory medical insurance does not yet have:

1. The client himself chooses a list of priority medical services and preferred institutions. Let's say that someone needs expanded gastroenterological services, and someone needs neurological services.
2. VHI includes important diagnostic and treatment procedures that are not supported by compulsory medical insurance. For example, MRI of the knee joints. And dental services are now generally almost 100% paid.
3. The second policy is renewed automatically (hence, will be valid indefinitely) if the agreement with the insurer stipulates that the latter has the right to write off funds from the client’s salary card when the time for renewal approaches. A lifelong VHI policy is rarely purchased due to its high cost.
4. VHI eliminates the need to wait in line. Both for an appointment with a specialist and for a diagnostic and treatment procedure.

This policy can be purchased by both an individual (a specific person) and a legal entity. This, by the way, is the main qualitative difference between VHI and compulsory medical insurance. For example, some company is interested in additional medical protection for its employees. Then the company organizes voluntary health insurance as part of the employee’s social package, and in the contract the insured (client of the insurance office) will mean the company, the legal entity.

VHI is especially important for those people who suffer from complex chronic diseases that are difficult to treat. And also for those whose work involves increased health risks. True, both of these factors increase the cost of additional health insurance. But so that later you don’t have to pay for your most valuable capital – your health, it is still better to spend money if possible.

Investing in your own health, the health of your loved ones and your employees (for those who run a business and have staff) is the best investment of all. How to find out which clinics are covered by the VHI policy? This information is provided both in the insurance contract and on the insurance company’s website. But in general, now almost all healthcare facilities throughout almost the entire territory of the Russian Federation are included in the new VHI system. You can purchase this policy by filling out a form at the insurer’s office, or by submitting an application online. This article is intended for a wide audience, since it covers one of the most pressing issues of domestic health care.

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