The compulsory health insurance policy is the most important document, giving people the opportunity to receive free examination or treatment in medical organizations. People often wonder how to get a compulsory medical insurance policy without residence permit and registration . After all, during a session with one or another doctor, it turns out that it is either expired or was issued at the place of previous registration.
But most often this problem worries those people who come to Moscow from other regions of our country, without even having a temporary residence permit. And those affected by this understand that obtaining an insurance certificate becomes a rather complicated and hectic procedure.
How to get a compulsory medical insurance policy?
In 2021, the registration procedure is fully regulated by the legislation of the Russian Federation:
- if you have a health insurance policy, a citizen has the full right to receive free medical services;
- Compulsory medical insurance equalizes all people, regardless of their social status and status in society, and can receive equal services and medications;
- You can obtain a medical registration in specialized branches located in each region of the Russian Federation.
In other words, this document gives the right to full care in hospitals, regardless of gender, status and other circumstances.
The procedure for obtaining it is prescribed in the current legislation of the Russian Federation, both in the government services and on the official website of the health insurance department. The selection of the company that will provide insurance is carried out by the citizen himself.
Without registration, you must fill out a special application, which will be issued by an employee of the insurance company. During the processing period of the policy, the person will receive a temporary document of compulsory health insurance. It has the same benefits as a regular policy.
Question answer
The validity period of compulsory motor liability insurance is established by law and is one year. But within this period, you can set periods of use, outside of which the insurance will be considered inactive. You can set the insurance period for the duration of your temporary registration.
The procedure for registering an insured event does not depend on the region in which it occurred. You can make a payment at any branch of the insurer, regardless of where you received the policy.
The territorial coefficient is calculated based on the region in which the car is registered. If you are registered in one place, and the car is registered in another, then the insurance company will take into account the coefficient of the region where the car is registered.
List of documents
The list of required papers may vary depending on the person's age, civil status and citizenship.
For children under 14 years of age you will need:
- birth certificate;
- passport or any other identification document of his official representative;
- SNILS.
For persons over 14 years of age:
- passport;
- SNILS.
People with refugee status must provide:
- certificate confirming refugee status;
- certificate of asylum on the territory of the Russian Federation.
For citizens of other countries living in Russia:
- international identification document.
For foreigners temporarily residing in Russia:
- temporary residence permit on the territory of the Russian Federation;
- SNILS (if available).
The representative of the insured citizen must have:
- notarized power of attorney;
- identification.
For unidentified persons at the time of treatment:
- a petition containing all the expected information about the patient.
For people without registration:
- SNILS;
- resident card;
- passport
At the same time, when collecting the necessary papers, it is imperative to fill out an application, the form of which is issued in specialized institutions.
If we are talking about staying in another region
If a citizen of the Russian Federation leaves for another region for a long period of time, for example, on a business trip, he also has the right to receive medical services under a compulsory medical insurance policy, which is valid throughout Russia. Similarly, if we are talking about a short-term stay, for example, if a citizen goes on vacation and is in Russia.
- If we are talking about a long stay in another city or region, standard rules apply. The citizen needs to be assigned to a clinic at his new place of residence. Local registration is not required for this.
- If we are talking about a short-term stay, it is not necessary to be assigned to a clinic. Any citizen of the Russian Federation can receive all basic medical services in any clinic under a compulsory medical insurance policy. We are talking about emergency and urgent care.
So, it is impossible to attach to a clinic through State Services. At least for now. Only Moscow residents with capital compulsory medical insurance policies can perform the action online. In all other cases, the citizen must personally contact the selected adult or children's clinic and submit an application.
Where to contact
You can draw up and submit the collected certificates to insurance organizations included in the register of the Moscow City Compulsory Medical Insurance Fund. Residents of the Moscow region who have not received a policy can apply for it both at insurance companies and at any My Documents institution. Moreover, this action is possible even outside the place of registration.
It is also important that a newborn child, within 30 days after his birth, will be registered with one insurance company together with his mother or with another legal representative (this could be a father, guardian, trustee, etc.). After this period, the parent has the right to change the insurer for the child.
The same organization will issue a temporary compulsory medical insurance policy for a period of 30 days (this is how long the original is produced). A temporary document, as a rule, is issued on the same day when the application with all the papers was submitted.
Typical problems
Some insurance companies refuse to issue a policy if the policyholder has a temporary registration. The insurance company does not have the right to refuse you if you take out insurance through temporary registration. The reasons for refusal to issue compulsory motor liability insurance according to the law can only be the lack of ownership of the car, an incorrect package of documents or lack of communication with the RSA.
If the insurer refuses to issue you with compulsory motor liability insurance with temporary registration, then you have the right to appeal the refusal to a higher authority or go to court.
How to replace or restore a policy
You can change your policy only in cases where:
- the place of residence or the data in the passport has changed. Should be replaced within a month;
- an error was detected in personal information;
- the insurance certificate is out of date and there is a need for a new certificate;
- was lost or badly damaged.
To obtain a new insurance or its duplicate, you will need the same list of certificates as for the initial registration. In case of changes in the data in the passport or detection of blots in the policy, you must provide a certificate confirming this fact.
You need to contact the same insurance company. Sometimes you can use it anywhere in the country.
To change the insurance company, you need to contact the organization you like with a corresponding application. Please note that you can change companies no more than once a year.
Exceptions are the following cases:
- the insurance company has ceased operations or closed;
- a change of residence was made.
After the period of 30 stated days has expired, a new compulsory medical insurance policy will be issued, where, as with other cases, a temporary one will be issued for this time.
Five Most Helpful Patient Rights You Didn't Know About
Despite the crisis, the number of citizens in our country who pay for medical services is growing. The latest survey by the League of Patients showed that 48.6%, that is, almost every second person shells out money for the help of a doctor or nurse. And not always because people are sure that they will examine and treat better for money. “One of the most common violations is the imposition of paid medical services instead of free ones, which are entitled to the patient under the compulsory medical insurance policy,” says Sergei Plekhov, an expert at the Interregional Union of Medical Insurers. In practice, this usually looks like an alternative: either you will see a specialist doctor, have an ultrasound scan, etc. for free, but in a few weeks or a month, or even now, but for money, through the commercial department. But if the clinic is ready to see you right away for a fee, it means that doctors, diagnosticians and other health workers have free time and space! So, postponing a “free” patient for a long time is obviously unreasonable and illegal, emphasizes Sergei Plekhov.
Experts note: recently our legislation on compulsory medical insurance and guarantees for patients has changed more than once, so it often turns out that people do not use their rights simply because they are not even aware of them. Or - in general they have heard, but do not know how to achieve implementation in practice. Together with experts, we have prepared a guide that will help you save time, money and at the same time not harm your health, but, on the contrary, receive high-quality medical services without delays, on time.
1. Taking out a policy without having a “registration” is not a problem!
If you are registered at your place of residence (“registered”) in one region and live in another, or even do not have any registration at all, then you can easily receive a compulsory medical insurance policy. According to current rules, it is enough to indicate your actual place of residence in the application for the issuance of a policy.
— By the way, I would really like to appeal to everyone who is used to being served under VHI (voluntary health insurance) or other paid schemes. Don't neglect getting your compulsory medical insurance policy! - call the specialists of the Interregional Union of Health Insurers. At least because from time to time most people have to call an ambulance - for themselves, children, other family members. And “03” is now financed under compulsory medical insurance. Of course, if there is a threat to your life, you are required to provide medical care without any insurance or even a passport. However, if you are too lazy to apply for a compulsory medical insurance policy and your full name is not in the appropriate database, then the ambulance staff will have difficulty receiving payment from the compulsory medical insurance fund for your call. Why create such difficulties out of nowhere for the doctors who help you? Moreover, when today applying for a compulsory medical insurance policy can take 10 - 15 minutes - the author of this article recently experienced it herself and confirms: yes, everything happens very quickly and easily.
2. You have a free medical lawyer.
Yes, yes, according to current rules, this is exactly the role assigned to the medical insurance company from which you receive your compulsory medical insurance policy. Write down the hotline (customer service) number indicated in your policy in your mobile phone and call in any controversial situation for advice, complaints, etc. In particular, with your health insurer you can:
— find out whether a particular medical service is included in the Program of State Guarantees of Free Medical Care to the Population. Remember: there is such a national program, and there are also territorial programs, each region has its own. The latter cannot be more modest than the federal one, but it can be broader and include additional free types of medical care for residents of a particular region. Ask your insurer for all details;
— you can also find out when, according to the law, you must schedule an appointment with a particular medical specialist (gastroenterologist, gynecologist, urologist, cardiologist, etc.), conduct certain examinations (ultrasound, MRI, Doppler sonography, etc. .). If the receptionist is trying to “push you away”, then again, quickly complain to the insurer. Remember that it is from the medical insurance company that clinics and hospitals receive payment for each patient. Therefore, health workers are especially interested in promptly correcting violations if the insurer has come to protect the patient.
3. A bad assistant can be replaced.
“Among those who apply to medical insurance organizations, almost half come to replace the insurer that issued the compulsory medical insurance policy,” says Alexander Troshin, an expert at the Interregional Union of Medical Insurers. — People should remember that according to the law, they can choose another company and get a new compulsory medical insurance policy once a calendar year, no later than November 1. Or more often if you move to a new place where the previous insurer does not work.
Therefore, if you are somehow dissatisfied with the current service of the company from which you received your compulsory medical insurance policy - say, they don’t help you get to the doctor or for examinations on time, you have to wait a long time for a consultation (you simply can’t get through on the phone!) - then vote with your feet, leave to others.
Note: you can find out the list of medical insurance organizations operating under compulsory medical insurance in a particular region on the website of the regional compulsory health insurance fund (FMI). And the websites of such funds, in turn, can be found on the portal of the Federal Fund: ffoms.ru
4. Choose a clinic and attending physician.
Many people have heard about this right, but do not know the important nuances. They are:
— You can choose a clinic for attachment and permanent medical care once a year.
— You are not required to be assigned to the district at the place of registration (“registration”) or actual residence.
You can, say, choose a clinic you like near work. However, keep in mind: each medical institution has service areas assigned to it - medical sites for providing medical care at home. And if your choice fell on a clinic near work, and you live on the other side of the city and you need to call a doctor at home, then difficulties may arise. Because the doctors of “your” clinic simply do not work in this territory. Of course, you will not be left completely without medical care, but most likely you will have to get to the clinic yourself.
So it’s better to think about everything in advance and assess possible situations, experts advise.
— Once a year, the patient has the right to choose a new attending physician, namely: internist, local internist, pediatrician, local pediatrician, general practitioner (family doctor). To choose a new doctor, just write an application addressed to the head physician.
Note: if you are categorically dissatisfied with the work of your current attending physician and have specific complaints, then you do not have to endure it for a whole year. You can also write a statement to the head physician and justify why you are unhappy. You can consult and enlist support from the same experts of your medical insurance company that issued the compulsory medical insurance policy.
5. You can also choose a hospital for hospitalization!
For many patients this turns out to be a big revelation. We are used to it like in the joke: the doctor said to the morgue, which means to the morgue. Or rather, to a specific hospital: where the doctor himself chose and issued a referral, they will be admitted there. And if you want to go to another hospital, pay.
In fact, the Law “On the Fundamentals of Protecting the Health of Citizens in the Russian Federation” contains Article 21, paragraph 4, on the basis of which the patient has the right to choose a medical organization to provide routine medical care. Simply put, a hospital for planned hospitalization.
Moreover, the doctor is obliged to inform the patient about this choice when deciding whether to issue a referral for hospitalization. If this important guarantee is not observed, report the violation to your free medical lawyer - the health insurer, whose telephone number is listed in your compulsory medical insurance policy.
Source: Komsomolskaya Pravda
Registration online
When moving to another city, you can apply for a compulsory health insurance policy on the territory of the Russian Federation with only access to the Internet. All operations for replacing, restoring or obtaining a compulsory medical insurance policy in Moscow can be performed by adult citizens on the Moscow Mayor’s website www.mos.ru. It is worth considering that the existing account must be verified. And no less mandatory condition is the SNILS number, which should be in the personal account tab.
To perform this or that action you need:
- photo/scan of passport;
- scanned signature;
- photo.
After sending the specified documents, a temporary certificate will be available on the same website, which can be downloaded and printed. However, it will not be possible to take the policy into your hands, because after 30 days of the incident, it will be sent to the nearest insurance company.
How to find out where you are assigned
Not all citizens even know which clinic they are assigned to. If you do not have such information, you can get it on the State Services website. To do this, you must have a verified account there. Information is given in a couple of minutes.
Log in to State Services using your credentials and use the search to find the section “Information about attachment to a medical organization.” The service page will open, click “Get service”:
Afterwards, the system will ask you to indicate the compulsory medical insurance policy number, consisting of 16 digits. Next, the system processes the request for about a minute and displays the result - indicating the clinic to which the applicant is attached.
