Old-style compulsory medical insurance: what it is and whether it needs to be changed. How to get a compulsory medical insurance policy in the Moscow region. Is the old-style medical insurance policy valid?

Since 2011, Russia began to use a uniform compulsory health insurance policy - a plastic card, which, unlike previous samples, contains a chip with the patient’s personal data. The card also contains a photo and personal signature of the owner, which makes it difficult for unauthorized persons to use it.

As explained by the Moscow City Compulsory Health Insurance Fund, the new policy is more convenient for health workers if a person goes to a clinic or hospital other than their place of residence.

Do I need to issue a new policy before November 1st?

As reported by the Compulsory Medical Insurance Fund, all types of policies previously issued in Russia are perpetual, be it a paper document or an old-style plastic card. Medical assistance under compulsory health insurance programs will be provided in full.

There is no time limit for obtaining a new policy. Therefore, it is not at all necessary to exchange old policies for new ones before November 1.

According to the law on compulsory health insurance in the Russian Federation, old models of policies are valid until they are replaced with new ones.

In fact, before November 1, you need to change the insurance company if for some reason the citizen is not satisfied with it. After November 1 until January 2019, this cannot be done. Such a pause, in accordance with the law, occurs every year. You can change your insurance company once per calendar year.

In what cases is the policy changed?

A person can change the policy if its format is paper. This will be appropriate, since the barcode located on a piece of paper may be erased, the form itself may become wrinkled, and such a policy cannot be laminated. A plastic card is easier to use (the old style green plastic card can also be replaced).

You can also change your policy together with the insurance company. If the latter does not suit you, you can choose a better organization.

If a citizen’s personal data (last name, first name, patronymic, date and place of birth) or gender has changed, he will have to receive a new policy within a month. In the case of a new place of residence, the policy does not change, but changes are made to the information about the insured person.

If a citizen has lost an insurance document or inaccuracies are found in it, he will also be issued a new policy.

Replacement of the policy is free of charge.

How to get a new type of policy in Moscow

To change your policy, you need to contact the insurance company or the MFC.

An application and the following documents will be required:

Passport (original + copy),

Photo for later placement on the card,

Old policy.

To get a policy for a child, you will need the parent’s passport, the child’s birth certificate and his SNILS. In this case, newborns up to 30 days after registration of birth are covered under the mother’s policy.

Any resident of the Russian Federation who officially has citizenship is covered by the compulsory health insurance program and can receive medical services if they have a compulsory medical insurance policy. Today, both old and new-style documents are considered valid, however, replacing the compulsory medical insurance policy with a new-style document is a necessary procedure that should be carried out so that problems with receiving medical care do not arise in the future. What is the procedure and procedure for replacing a compulsory medical insurance policy with a new one? How and where can I replace a document? What is the complete list of required documents for this procedure? We will answer these questions in this article.

Types of insurance documents

In 2017, Russian citizens use several types of compulsory medical insurance policies, namely a paper form of the established form in size A5, a plastic card that contains basic information on the front side (the card is issued along with the paper policy), as well as an electronic universal card that contains everything information about the owner and is read using electron magnetic scanners. This card is more convenient to store and keep with you; it is accepted in several countries.

Compared to a paper document, a policy issued in the form of a standard plastic card or UEC has a number of advantages: it is more durable, stronger, and has a compact size, so you can take it with you and always keep it in your wallet or passport. A paper document is more relevant in regions of the country where there is no equipment to read data from a plastic card, and employees of a medical institution are forced to transfer information to the database manually.

How long is the policy valid?

Compulsory medical insurance policies available to citizens of the Russian Federation have different validity periods. Paper forms are issued for 1-5 years, and the exact expiration date can be found on the sheet itself. Modern electronic cards and UEC do not have an expiration date and are issued for an unlimited period of time. Replacement of such a document will be required only in the event of a change in passport data, loss or severe damage to the card. Old-style policies issued are considered valid even after their expiration date, but to avoid problems it is better to get a new one.

Replacement procedure

If the insured person does not plan to change the insurance company, then the replacement procedure is extremely simple. To do this, you should contact the insurance organization that issued the old-style policy, providing the policy itself, an identity card and a pension certificate. According to the law, document changes are free of charge. If the need to replace a document coincides with a change in any data, you must take with you documents confirming this fact (for example, a certificate of change of name/surname). The insurance company will need to fill out an application and submit it along with the old policy, receiving instead a temporary certificate, the validity of which varies from 1 to 1.5 months. When the new card is ready, you will need to visit the company again and get a permanent compulsory health insurance policy.

If you intend to change the insurance company, you should choose a suitable organization and apply there with the same set of documents. It is worth paying attention to the fact that a change of insurance company is possible once a year and is carried out before November 1. Therefore, you must apply for a replacement no later than this date. To obtain a new sample document, you will need to complete the following steps:

1. Choose a suitable insurance company. In this case, you can focus both on personal factors (proximity to the organization’s office, opening hours, etc.) and on preferences in choosing a clinic where the service will be provided - you can find out about this at the information stand or the official website of the institution.
2. Prepare a package of documents: if the policy needs to be changed for an adult, you will need to take the old document, passport, SNILS; When replacing a policy with a person under 14 years of age, you will need to take a birth certificate instead of a passport.
3. Visit the insurance company and fill out an application for a replacement document.
4. Receive a temporary certificate. You can find out about the readiness of a permanent policy by calling or using the online service of the insurance company.

It is worth noting that, although clinics and hospitals may have preferences in choosing an insurance company, they are obliged to provide assistance to the holder of any policy, regardless of which organization issued the documents to him. It would be unlawful to refuse service based on an incorrect choice by the insurance company.

Do I need to change the new type of policy?

The new type of insurance policy is indefinite, but in a number of cases (change of full name, place of permanent residence, correction of incorrectly specified data, etc., as well as damage or loss) it will need to be replaced. To do this, you must contact your previous or new insurance company and fill out a form indicating the reason for issuing a new policy (certificates or other legally binding documents confirming this reason must be attached to the application). If the insurance policy has been lost, the company's account number is attached to the application, but if the document is in hand, it is submitted along with the application form. At the end of the verification period and after the policy has been issued, the client must personally come to the insurance company and, after making sure that the specified data is correct, receive a ready-made card.

Initially, the new type of policy is issued to children and adolescents under the age of 14, as well as to persons who arrived in the Russian Federation from another state for permanent residence. In the first case, documents are submitted to the company by relatives of the insured person - they need to provide a birth certificate, SNILS, passport or other identification document of the parent who is submitting the documents. The passport of the person applying for a minor (guardian, parent) must contain information about this person. In the second case, you will need to present a refugee document and identification card. If the country where the citizen came from supports an official pension program, you must also present SNILS or its equivalent.

A document confirming that the patient has medical insurance allows him to timely take advantage of the state-provided package of medical services, which will be paid for by the insurance company. Not every person today knows that all variations of the new type of policy existing in the country are equivalent. And the presence of a document of one form or the absence of another cannot cause a refusal of service at the selected institution. How do they differ from each other and which variety has more advantages? We will answer these questions in this article.

When and why did the release of a new compulsory medical insurance policy begin?

Until 2011, there were several formats of compulsory medical insurance policies in the Russian Federation. The most common variety was a green plastic card, which appeared back in 1998. In connection with the current situation, the question arose about streamlining relations in the field of health insurance. At the beginning of 2011, the new Law of the Russian Federation “On Compulsory Health Insurance in the Russian Federation”, adopted on November 29, 2010, came into force. It provided all citizens, without exception, with the opportunity to choose an insurance medical organization according to their preference for further permanent care. Also, the regulatory act marked the beginning of the issuance of insurance policies of a unified state standard, which would be valid throughout the country, regardless of the registration of their owners.

As a result of legislative changes, on May 1, 2011, the issuance of policies of a new format began: a blue paper document printed on A5 format became an alternative to the green plastic card. It received perpetual status (issued to the owner for life). Old options received by citizens before May 1, 2011, which had not yet expired, were also recognized as valid.

Over the next four years, the paper format managed to demonstrate its impracticality. It turned out to be inconvenient for transportation due to its large parameters - bending the document in half was prohibited, since there was a barcode in the very center that could be erased. There were also problems with preserving the forms - rubbing, creasing, contamination, since laminating them was also unacceptable. In order to eliminate these shortcomings, from August 1, 2015, it became possible for Russian citizens to obtain a plastic compulsory medical insurance policy with an electronic chip. Compact dimensions and durable material allow a person to always have an electronic policy with him.

Along with the above option, a universal electronic card (UEC) has appeared, which, in addition to the insurance function, serves as a bank card, pension certificate, etc. Its development is associated with attempts to integrate maximum information about the owner in one device and simplify a person’s access to various electronic services. The card is issued to all Russian citizens over 14 years of age upon personal application.

What does the new compulsory medical insurance policy look like?

All the options discussed above, the release of which began after May 1, 2011 - paper, electronic policy and UEC - are valid and equivalent today. They guarantee the same set of free medical services provided for by law and will be maintained until the population completely switches to a single model.

New paper policy

The blue paper document in A5 format is a form with watermarks, which in size corresponds to half a standard sheet from an album. It is two-sided - each of them contains a list of necessary data about the owner. The front side of the new paper policy contains:

• State emblem of the Russian Federation;
• Last name, first name, patronymic of the insured, his gender and date of birth;
• Document number, consisting of 16 digits;
• Unique barcode;
• Hologram;
• Validity period of the form.

On August 1, 2012, forms began to be issued, the barcode on which was moved from the center closer to the top to avoid erasing the image as a result of folding the sheet. Both options look like this:

• Information about the medical insurance institution to which the owner is attached (name, address, telephone);
• Signature of the responsible employee of the medical organization;
• Stamp of a medical institution.

On the back, it is possible for a citizen to change the medical organization to which he can be attached - up to 10 times. To do this, you need to provide a form to the clinic and record the changes. When you change your place of residence, it is on the reverse side that new data about the insurance company and its contact details are recorded.

The paper version of the policy cannot be laminated and it is advisable not to bend it. For such a document, a photo of the owner is not required.

The electronic compulsory medical insurance policy is made in the form of a three-color plastic card of a standard size (resembles a regular bank card) and easily fits into a wallet or purse. It contains a chip on which information about the owner is stored. The front side of the new electronic policy contains:

• Document number of 16 digits;
• Image of the state emblem of the Russian Federation;
• The name of the insurance company that issued the electronic policy;
• Compulsory medical insurance system logo;

The back of the policy provides the following information:

• Phone number of the compulsory medical insurance fund that issued the electronic policy;
• Photo of the insured person (except for children under 14 years of age);
• Owner's signature;
• Personal data (last name, first name, patronymic, date of birth, gender);
• Month and year when the card expires (issued for five years);
• A hologram indicating that the electronic policy is genuine.

If any personal data changes, a person needs to contact the employees of their insurance organization to order a new electronic compulsory medical insurance policy. The information contained on the chip cannot be corrected.

UEC is a multifunctional plastic card, the structure of which includes an integrated compulsory medical insurance policy. Using it, you can open a bank account, provide it as a ticket for public transport or as SNILS. It contains maximum information about the owner and frees him from the need to carry many cards in his wallet. Its receipt is not mandatory and is carried out at the request of the person. On the front side of the UEC card are presented:

• Electronic chip with personal information;
• Logo of the organization that issued the card;
• Logo of the banking institution chosen for service;
• Card number;
• Image of the state emblem;
• Name of the payment system;
• Protective numbers.

The back of the policy provides the following information:

• Phone number of the organization that issued the card;
• Photo;
• Owner's signature;
• Personal data (last name, first name, patronymic, gender, date of birth);
• Month and year when the card expires;
• Compulsory medical insurance policy number;
• SNILS number;
• Bank card number.

On the back of the UEC there is a magnetic stripe. This allows you to use it in terminals and ATMs for withdrawing cash, making non-cash payments, transferring funds, etc.

Advantages and disadvantages of new policies

Each of the forms of insurance policies that are in force today in the country has its own positive and negative features. Based on the ratio of the “pros” and “cons” of the documents, the citizen decides whether to rush to change the paper version to one of the electronic ones and which one to give preference to. The main disadvantage of the paper version is its impracticality in use. But it is compensated by the convenient opportunity to make written changes to the form if a person is assigned to another medical institution.

The electronic compulsory health insurance policy is distinguished by its main advantages - compactness, mobility, strength and wear resistance of the plastic card. It has a high level of security - the presence of a chip, photo and signature prevents the document from being used by another person. Its significant drawback is that not all medical organizations are equipped with special equipment to read information from the chip. Therefore, holders of such documents may be asked by doctors to provide an additional passport. In addition, not all branches of insurance companies are yet able to issue an electronic policy. Additional inconvenience may arise for owners if personal data changes - this will entail the need to replace the card itself.

The UEC is characterized by a generally similar set of “pros” and “cons” as the previous electronic version. Among its arsenal of advantages, it is distinguished by its versatility compared to other forms of insurance documents. But the current level of infrastructure development indicates the presence of a small number of institutions equipped with equipment capable of working with applications built into it.

Conclusion

The transition of the population of the Russian Federation to a new unified electronic medical policy will be gradual. Therefore, citizens do not need to immediately strive to exchange their document as quickly as possible. The issuance of plastic cards is already mandatory for newborns, as well as in the event of a necessary replacement of a damaged or lost policy. All varieties today provide absolutely equal guarantees.

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.

">compulsory health insurance (CHI) is a document confirming your right to free medical care in public medical institutions throughout Russia.

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).

">foreign citizens, To apply for a compulsory medical insurance policy, a stateless person will need:

• application (filled out at the appointment);
• a document recognized in the Russian Federation as identifying a stateless person in accordance with an international treaty, or a document issued in the Russian Federation to a stateless person who does not have identification documents;
• a residence permit for permanent residents of Russia or a note on a temporary residence permit in the Russian Federation in an identity document for temporary residents of Russia;
• SNILS (if available).

">stateless persons And To apply for a compulsory medical insurance policy, a refugee will need:

• application (filled out at the appointment);
• one of the following documents: a refugee certificate, a certificate of consideration of an application for refugee recognition, a copy of the complaint against the decision to deprive refugee status to the Federal Migration Service with a note on acceptance for consideration, a certificate of temporary asylum on the territory of the Russian Federation.

">refugees.

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

when a duplicate policy is needed - provided that the previous policy was of a new type and issued in Moscow;

when you need to replace an old-style compulsory medical insurance policy with a new-style one - provided that the old policy was issued in Moscow and your personal data has not changed since then;

when you need to replace your compulsory medical insurance policy due to a change in personal data: last name, first name, residential address - provided that you have a new type of policy and it was issued in Moscow.

">in some cases you can also contact any center in the city, regardless of where you are registered.

If you want to change your insurer, you need to apply for a new policy to 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.

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 analyze 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. As of 2017, 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;
• A plastic card, on the front side of which the name of the person to whom it belongs is indicated, and the electronic medium stores all the information in memory;
• A 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. Nevertheless, 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. There are several options, or it requires replacement. 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.

If it turns out that the policy has expired or the data in it is not true, then you will not be able to legally receive free medical care (this does not apply to emergency care, which will be provided in any case). To avoid such a situation, it is recommended to renew or reissue the document with a medical insurance organization.

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. 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.

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.

Conclusion

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.