For creating a single base data, which greatly simplifies the service of insured persons in medical institutions outside the place of residence, since 2011, a transition to a single form of policy of a new sample has been implemented. A modern policy is a personalized document with a high degree of security and the presence of a barcode, by which you can get access to all information about the owner stored in in electronic format... For citizens Russian Federation the validity period of the compulsory medical insurance policy of a single sample is unlimited.

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

• On paper in A5 format with a special barcode. It is used due to the lack of modern reading devices in medical institutions. It can be issued in parallel with a plastic card.
• An electronic health insurance policy in the form of a plastic card with a chip, on which basic information about the owner is recorded (full name, date of birth, etc.). The policy in this form is not issued in all subjects of the Russian Federation. It depends on the readiness of the region and by agreement of the regional government and the Territorial MHI Fund
• A universal electronic card (UEC), which involves storing information in electronic form, but since January 1, 2017, the UEC as an obligatory tool for the provision of state and municipal services has been canceled by Federal Law of December 28, 2016 N 471-FZ.

Depending on the date and form of issue, the policy can be temporary or indefinite. A new policy is issued upon the initial registration of a document, for a newborn child, upon replacement in case of a change of name, if important parts of the documents are worn out and unreadable, as well as on a voluntary basis. The document is personalized and does not imply receiving a new one when changing jobs, status or moving. The latter option is especially convenient when traveling in the Russian Federation, as it allows you to get the necessary services under the policy throughout the country. A citizen has the right to independently choose an insurance medical organization that will defend the rights of the insured and pay bills for medical care provided under the compulsory medical insurance policy.

The period of validity of the OMS 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 OMS policy, depending on the owner

1. Permanently residing in the territory of the Russian Federation foreign citizens and stateless persons are issued a paper policy with a validity period until the end calendar year.
2. For persons eligible for medical care in accordance with the Federal Law "On Refugees", a paper policy is issued with a validity period until the end of the calendar year, but not more than the period of stay established in the documents permitting stay in the Russian Federation
3. Foreign citizens and stateless persons temporarily residing in the territory of the Russian Federation are issued a paper policy valid until the end of the calendar year, but no longer than the period of validity of a 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 no longer than the term of the labor contract concluded with the worker of the EAEU member state.
5. Foreign citizens temporarily staying in the Russian Federation who belong to the category of members of the Board of the Commission, officials and employees of the EAEU bodies, a paper policy is issued with a validity period until the end of the calendar year, but no longer than the term of their respective powers.

On the day of filing an application for choosing (replacing) an insurance medical organization, an insurance medical organization issues a policy or a temporary certificate to the insured person, confirming the execution of the policy and certifying the right to free medical care by medical organizations upon occurrence insured event (hereinafter - temporary certificate). A temporary certificate with a limited validity period is issued upon the loss of the original policy or during the procedure for issuing a permanent one. Its effect is terminated at the moment of issuing a permanent policy within a period not exceeding 30 working days.

The country's health insurance program provides for the provision of medical services to all insured persons on a completely free basis. In order to gain access, citizens only need to issue 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.

OMS policy: who is entitled to receive and how to do it

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

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

The basis for the inclusion of an individual in the number of program participants compulsory insurance will serve as a completed application of the established form. In addition, a specific list of documents has been determined, in the presence of which a citizen applies to 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:

• Identity document - passport;
• Pension certificate - SNILS;
• For minors, you will need to provide a birth certificate.

For foreigners list required documents will consist of:

• Foreign identity document - passport;
• RF refugee certificate (if the document is in the process of registration, an application must be submitted);
• Residence permit;
• Pension certificate - SNILS.

In order to determine the expiration date 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 characteristic feature had a strictly limited duration.

Since 2011, when the insurance reform was launched in the country, new models of policies have been in force. However, many citizens have not applied to insurance companies for re-registration. However, the law clearly requires that no infringement of the rights of these persons to receive medical services be prevented. The validity period of the old-style medical policy for those citizens who have not yet issued new document, is not limited. If the employees of the medical organization refuse to take into account such a document, the individual can contact the higher authorities with a complaint.

New health insurance policy, document validity period

An insurance policy of a new type can be submitted not only in paper format, as was previously accepted. Today, medical institutions accept three types of policies of the new sample:

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 manufacturing.

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

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

Despite the fact that the policies of the new sample do not require re-issuance and are not limited to any period, there is a certain category of documents, which are all issued for an 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 previously issued policy.

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

For those individualswho 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 who have 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 a limited period for issuing an analogue of the lost document.

Despite the limitations of 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 the OMS policy

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

The official website provides a service that allows you to check the relevance of an insurance policy, having its registration data available. At the same time, you can get information about both the new policy and the old-style 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.

For all citizens on the territory of Russia, the law provides for compulsory health insurance. Each person becomes the owner of the compulsory medical insurance policy, on the basis of which he has the right to guaranteed medical care. But not everyone knows what range of services is included in this program... Many citizens, even having presented an insurance policy at a polyclinic, are faced today with a refusal to provide medical assistance of one kind or another. And not everyone is ready to defend their rights. This is often due to low level awareness of the population about what guarantees each blue sheet of A5 format or a progressive plastic electronic card provides, and what amount of services the owner of one of such documents can claim. We will talk about this in this article.

The essence and purpose of the compulsory medical insurance policy

The compulsory health insurance policy is an official document that is intended to certify the right of the insured person to receive health care free of charge in the amount provided for in the basic CHI program. The functions of the policy, as well as its guarantees, are determined by the Law of the Russian Federation "On mandatory health insurance in the Russian Federation ”No. 326-FZ, adopted on November 29, 2010.

According to the provisions of the above-mentioned normative act, the owner of the policy must have it with him at all times in order to take advantage of the opportunity to receive free medical services in the required volume in the event of an insured event. Art. 16 of the law provides that in the absence of an insurance policy, a citizen can only rely on emergency assistance... The insured has the right to use the document in the medical institution to which he is attached according to his document.

Medical care under the compulsory medical insurance policy is provided for citizens absolutely free of charge and is financed from the funds of insurance funds - territorial and federal, which accumulate their funds through regular contributions from insured persons. For workers such contributions are made by their employers from the wage fund, and for the unemployed - by the state. As a result, the entire population of the Russian Federation, regardless of age, gender, type of employment, social or material status, has the right to receive services in medical institutions in equal volumes and of the same quality.

The policies of the new model, the issuance of which started in 2011, have an unlimited character, that is, they will be valid throughout the life of the owner, and when changing the workplace, they will not need to be replaced. Also, the law considered above saved the new document from being tied to the place of registration of a person - medical policy became valid throughout Russia. More detailed information about the procedure for registration and types of documents can be found in the articles:

What rights and guarantees does the policy provide to its owner?

Each insured citizen has the right to receive only one copy of the document, which can only be presented by himself. Attempts to use someone else's personal data are classified as offenses and are punishable by law. A medical insurance policy provides for the following rights and guarantees for insured citizens:

• Receiving free medical care within the territorial borders of Russia: during your stay within your permanent place of residence - on the basis of the regional CHI program, and outside it - according to the federal CHI program;
• Selection of an insurance medical organization (state polyclinic, private center, etc.) among those institutions that participate in the implementation of the CHI program;
• Attachment to a medical institution not by registration, but by actual place of residence (if they differ);
• The change medical institution in connection with moving (an unlimited number of times) or for personal preferences (no more than once a year);
• Selection of the attending doctor by submitting an application addressed to the management of the medical institution;
• Obtaining complete and accurate information on the volume, quality of medical care within the framework of regional and federal compulsory medical insurance programs;
• Confidentiality and protection of personal data;
• Compensation for damage by the medical organization as a result of its failure to fulfill its obligations to the insured person;
• Protection of personal rights in the field of compulsory medical insurance.

If the owner of the compulsory medical insurance policy is faced with the refusal of medical workers to provide him with the prescribed medical services, with the provision of poor-quality, incomplete or untimely assistance, the law of the Russian Federation "On Compulsory Medical Insurance in the Russian Federation" provides for the right to file a complaint against the specified clinic. It can be addressed both to the name of the management of the insurance organization that issued the document, and to the territorial or federal fund of compulsory health insurance.

The loss or damage to the policy does not entail a complete loss of the citizen's right to free medical care guaranteed by law. In the event of such cases, a person needs to contact the insurance company for. Until that moment, he will be issued a temporary document (for one month), allowing him to use medical services in the same volume.

What medical services can be obtained under the CHI?

The owner of a compulsory medical insurance policy has the right to receive free of charge only those medical services that are provided for by the content of the regional and federal compulsory medical insurance program. Additional payments can be requested from a citizen only if the amount of medical care necessary to preserve his life or maintain health exceeds the basic one provided by the policy. The compulsory medical insurance policy includes the provision of the following assistance:

• Emergency, which is an emergency medical aid necessary to eliminate threats to human health and life;
• Outpatient, which is provided in the conditions of polyclinics and provides for diagnostic procedures, planned medical examination, therapy of diseases at home or in day hospitals. According to the compulsory medical insurance program, outpatient medical care does not include free provision of medicines to citizens during treatment;
• Inpatient, which turns out to be in the form of planned and urgent hospitalization in such cases as pathology or termination of pregnancy, childbirth, exacerbation of chronic ailments, referrals of doctors of clinics, situations associated with the need for intensive care.

In addition to these types of services, the compulsory medical insurance policy guarantees its owner the opportunity to take advantage of medical care associated with the use of modern high-precision technologies and techniques - both for the purpose of conducting research for diagnosis, and directly for treatment (with the exception of cosmetology, plastic surgery). The document of the insured person also provides that its owner can become a participant in preventive, rehabilitation, health-improving, informational activities that are organized by doctors in the framework of educational work with the population. For privileged categories of the population, it is also necessary when receiving free medicines.

For what diseases can you get free medical care?

The RF law on compulsory medical insurance provides for a wide range of diseases for which the owner of the policy can receive free diagnostics and therapy. Having applied to the health care institution to which he is attached, he will need to present a document at the registry. Free medical services can be obtained when:

On a free basis, owners of the compulsory medical insurance policy undergo routine vaccinations, as well as annual fluorography. Having a document, you can once every three years take the opportunity to undergo examinations and medical examinations within the framework, as well as be under dispensary supervision, call a doctor at home, and undergo other free procedures provided for by law.

On the territory of the Russian Federation, a compulsory medical insurance policy can be issued not only to residents with Russian citizenship, but also to foreign citizens, stateless persons, and also those with refugee status. All categories of the population are entitled to equal treatment in health care institutions. The only difference between the documents lies in their validity period: if for Russian citizens they are unlimited, then for persons temporarily staying in the territory of the Russian Federation, they are considered valid until the moment they leave the country.

Conclusion

The compulsory medical insurance policy is issued to the insured after the conclusion of the contract with the insurance medical organization... This document is proof of the right to receive free medical care under the current program of state guarantees. The guarantees provided by the government for policyholders allow you to cover qualified assistance and the most vulnerable categories of the population, for whom it would otherwise be inaccessible.