What is the validity period of the old and new compulsory medical insurance policies? Medical policies: types of policies and validity period How long a health insurance policy is valid.

The health of any person plays a very important role. Without good health, it becomes significantly more difficult to perform any necessary activities. Moreover, the opportunity to work for the benefit of family and society is excluded. In this regard, issues related to the protection of citizens and the implementation of healthcare play a very important role.

Recently, various reforms have been carried out in Russia that have a significant impact on. The changes also have a direct bearing on compulsory health insurance, which is necessary to equalize the opportunities for Russian citizens to receive medical care.

Validity period of old-style policies

What is the validity period of an old-style compulsory health insurance policy? Before answering the question posed, it is important to recall that previously all Russian citizens received policies with a certain validity period. The situation changed only six years ago after reforms in the insurance system began.

Government authorities allow the use of policies obtained before 2011 until the owner of the document decides to change the received policy to a more modern equivalent. In most cases, replacement is caused by a change in personal information or the inability to use the policies due to their damage.

If medical staff refuse to consider such a paper, it can be considered that rights are significantly infringed. As a result, a citizen of the Russian Federation has the opportunity to file complaints against employees or an entire institution.

Types of modern health insurance documents

In the 21st century, three types of medical insurance policies are actively used in Russia:

• a document drawn up according to the current A5 standard;
• a plastic traditional card, which requires mandatory duplication of information in a virtual format;
• an electronic card that has legal force throughout the Russian Federation.

Each of the three policy forms is valid. Recently, plastic cards and paper policies have been issued together, since this option has been recognized as the most convenient for Russian citizens.

In many localities of the Russian Federation, the use of electronic policies remains impossible. For this reason, it takes a certain period of time to stop using paper documents. The speed of transition to electronic medical policies is becoming minimal in large populated cities of Russia.

An insurance policy is often offered as a perpetual document, but sometimes the validity period is limited to a temporary period. Modern documents are valid for any period. The main task is to issue a policy according to a specific sample, which is valid for each company.

Features of using a new medical policy

Russian government authorities are carrying out certain reforms. As a result, it remains possible to use paper policies and electronic documents that meet modern standards. This scheme can guarantee a high level of protection of the interests of representatives of the target audience.

Cards are electronic media that are durable and durable. As a result, the need for regular replacement is completely eliminated. Taking into account this fact, it is not surprising that the validity period of the compulsory health insurance policy is not limited. This option facilitates the process of using insurance services.

Temporary medical policies

In the 21st century, temporary policies are still in demand. Such documents are provided to Russian citizens who are in the country only on a temporary basis: residence permit holders and refugees. In this case, the validity period of the document is equal to the time during which the citizen has the right to stay on the territory of Russia.

It is important to take into account that the temporary medical policy will need to be replaced, even if it is first possible to extend the time of legal stay in the Russian Federation. Otherwise, a violation of current legislation will be recorded. When paying attention to this aspect, it is extremely important to comply with applicable legal regulations.

A special type of document with a limited validity period is issued to people when. Receipt of such a document allows you to use all the rights associated with health insurance, but it also assumes the need to fill out an application for the required policy. The temporary document will be terminated upon receipt of the permanent policy.

As a result, the extended validity period of the new compulsory health insurance policies helps to facilitate the resolution of existing issues. The main goal is to reduce the amount of paperwork. The use of modern digital media allows you to get rid of the time limit on the validity period of the received insurance policy.

Reforms contribute to the successful resolution of insurance issues. Existing medical policies allow you to eliminate any risks associated with obtaining an insurance document and medical care.

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.

To create a unified database that significantly simplifies the provision of services to insured persons in medical institutions other than their place of residence, a transition to a single new form of policy has been implemented since 2011. A modern policy is a personalized document with a high degree of security and the presence of a barcode, which allows you to access all information about the owner stored electronically. For citizens of the Russian Federation, the validity period of a uniform compulsory health insurance policy is unlimited.

Today, several forms of compulsory medical insurance policies are allowed:

• On A5 paper with a special barcode. It is used due to the lack of modern reading devices in medical institutions. Can be issued in parallel with a plastic card.
• Electronic compulsory medical insurance policy in the form of a plastic card with a chip, on which basic data about the owner is recorded (full name, date of birth, etc.). The policy in this form is not issued in all constituent entities of the Russian Federation. This depends on the readiness of the region and by agreement of the Government of the region and the Territorial Compulsory Medical Insurance Fund.

Depending on the date and form of issue, the policy can be temporary or indefinite. A new type of policy is issued upon initial registration of a document, for a newborn child, upon replacement in the event of a change of full name, if important parts of the documents are worn out and unsuitable for reading, and also on a voluntary basis. The document is personalized and does not imply that you will receive a new one if you change your job, status, or move. The last option is especially convenient when traveling within the Russian Federation, as it allows you to receive the necessary services under the policy throughout the country. A citizen has the right to independently choose a medical insurance organization that will defend the rights of the insured and pay bills for medical care provided under the compulsory medical insurance policy.

The validity period of the compulsory medical insurance policy is unlimited, with the exception of policies issued to persons staying and residing in the Russian Federation on a temporary basis.

Features of the validity period of the compulsory medical insurance policy depending on the owner

1. Foreign citizens and stateless persons permanently residing on the territory of the Russian Federation are issued a paper policy valid until the end of the calendar year.
2. Persons entitled to receive medical care in accordance with the Federal Law “On Refugees” are issued a paper policy valid until the end of the calendar year, but not longer than the period of stay established in the documents permitting stay in the territory of the Russian Federation
3. Foreign citizens and stateless persons temporarily residing on the territory of the Russian Federation are issued a paper policy valid until the end of the calendar year, but not longer than the validity period of the temporary residence permit.
4. Workers of the EAEU member states temporarily staying in the Russian Federation are issued a paper policy valid until the end of the calendar year, but not longer than the validity period of the employment contract concluded with the worker of the EAEU member state.
5. Foreign citizens temporarily staying in the Russian Federation, belonging to the category of members of the Commission board, officials and employees of EAEU bodies, are issued a paper policy valid until the end of the calendar year, but not longer than the period of execution of their respective powers.

On the day of filing an application to select (replace) a medical insurance organization, the medical insurance organization issues the insured person a policy or a temporary certificate confirming the issuance of the policy and certifying the right to free medical care provided by medical organizations upon the occurrence of an insured event (hereinafter referred to as the temporary certificate). A temporary certificate, which has a limited validity period, is issued when the original policy is lost or during the procedure for issuing a permanent one. Its validity terminates when a permanent policy is issued within a period not exceeding 45 working days.

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.

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.

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 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.

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.

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.

The current health insurance program in the country involves the provision of medical services to all insured persons on a completely free basis. In order to gain access, citizens only need to take out an insurance policy. Recently, the insurance system in Russia has undergone changes, as a result of which many questions arise about what is the validity period of the compulsory medical insurance policy today.

Compulsory medical insurance policy: who has the right to receive it and how to do it

Both Russian citizens and stateless persons who permanently reside in our country or have refugee status can count on receiving a policy that guarantees access to a full range of medical services.

In order to start the procedure for obtaining an insurance policy, a citizen should contact one of the accredited insurance companies.

The basis for including an individual in the compulsory insurance program will be a completed application in the prescribed form. In addition, a specific list of documents has been defined, in the presence of which a citizen applies to the insurance company. The number and type of documents provided will depend on what citizenship the applicant has.

For domestic citizens the following documents are required:

• Identification document – ​​passport;
• Pension certificate – SNILS;
• For minors, you will need to provide a birth certificate.

For foreigners, the list of required documents will consist of:

• Foreign identification document – ​​passport;
• Russian Federation refugee certificate (if the document is in the process of being processed, an application must be submitted);
• Residence permit;
• Pension certificate - SNILS.

Validity period of the compulsory health insurance policy

In order to determine the validity period of a medical insurance policy, it is necessary to indicate that until recently, policies of a completely different type were in force in the country. They were issued in paper format and, as a characteristic feature, had a strictly limited validity period.

Since 2011, when insurance reform was launched in the country, new models of policies have been in force. However, many citizens never contacted insurance companies for re-registration. However, the law clearly requires that the rights of these individuals to receive medical services be prevented. The validity period of the old-style medical policy for those citizens who have not yet issued a new document is unlimited. If employees of a medical organization refuse to take such a document into account, an individual can appeal to higher authorities with a complaint.

New health insurance policy, document validity period

The new type of insurance policy can be presented not only in paper format, as was previously accepted. Today, medical institutions accept three types of new policies:

1. Documents issued in paper format;
2. Policy in the form of a plastic card;
3. Electronic insurance policy.

In the foreseeable future, it is planned to completely abandon the use of policies “on paper”, due to the fragility, but at the same time the high cost of production.

The most common insurance policy is made of plastic and has many advantages over the old medical policy, which until 2011 was strictly limited in validity. The new policies are practical and durable, eliminating the need for regular replacement. A plastic policy, in fact, is an analogue of a paper one, since all information about the insured person is reflected on the outside of the document.

A different principle is incorporated into the operation of electronic insurance policies, which store data about the insured person in a special chip.

Despite the fact that new-style policies do not require re-issuance and are not limited to any period, there is a certain category of documents that are all issued for a limited period. These include temporary policies that can be obtained in the following cases:

1. Foreign citizens residing in our country on the basis of a residence permit;
2. Foreign citizens who have acquired refugee status;
3. Russian citizens in case of loss of the original of a previously issued policy.

The validity period of the temporary insurance policy in these cases will differ.

For those individuals who are not Russian citizens, the validity period of the policy will be equal to the validity period of the document on the basis of which the person has the right to stay in the country.

Persons with Russian citizenship may be issued a temporary policy in case of loss of the original policy issued earlier. In this regard, the validity period of the temporary policy for this category of individuals is limited to the period of issuance of an analogue of the lost document.

Despite the limitations on the validity period of temporary insurance policies, these documents provide their owners with all the necessary services in the field of Russian free medicine.

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

Many citizens, both Russian and foreign, still have doubts whether the existing compulsory medical insurance policy is valid and whether its possible use has expired. All doubts can be resolved by contacting the electronic resource of the territorial insurance fund TFOMS.

The official website provides a service that allows you to check the relevance of an insurance policy, having its registration data available. In this case, you can obtain information both about the new policy and about the old document. This service allows you to check not only the validity of a previously issued document, but also the degree of readiness of a new document.