CHI, electronic policy: where to get, documents and benefits

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

In Russia there is a system of compulsory medical insurance - MHI. An electronic policy is something that is now being actively implemented by insurance companies. What kind of document is this? How to use it? What are the pros and cons of it? Understanding all this is actually not as difficult as it seems. It is enough to understand what kind of electronic format document we are talking about. And, of course, to understand the procedure for obtaining this paper.

Compulsory he alth insurance

In the Russian Federation, the government allows the population to participate in the so-called CHI program. It provides compulsory he alth insurance to everyone. Why participate in this system?

It allows you to receive free medical care in public institutions. That is, people will not have to pay for visiting a particular doctor, for tests and other studies. It is enough to present a paper certifying participation in the CHI system. An electronic policy is one of the options for certification.

Paper and card

Earlier, insurance companies offered a slightly different document. It wasabout the paper policy of obligatory medical insurance. It showed the number assigned to the citizen, as well as information about the owner. And, of course, the mention of the service company.

Only the paper MHI policy wears out pretty quickly. Yes, and the service to the population in this way is slow. Progress does not stand still, all systems are becoming automated or computerized. Technological innovations and the CHI system have not bypassed. An electronic policy is a replacement for a paper certificate for the right to receive free medical care. It is presented in the form of a small plastic card (such as a bank card). The same information is published on it as on the paper version of the document. Only plastic has its advantages.

Customer opinions

Which ones exactly? What do visitors think about getting an e-policy? How good is this interpretation? There is no clear answer here. After all, everyone has their own view on certain objects. You should pay attention to this.

People say that the unsurpassed convenience of electronic policies has become compact. The size of such a "document" does not exceed the usual banking plastic. So, you can always carry the policy with you. Very convenient!

Also, numerous reviews indicate that among the advantages that the electronic policy gave the CHI system, there is the actual durability of the "document". It is much more difficult to damage a plastic card than a paper one. So, damage to the policyvirtually out of the question.

Disadvantages, according to citizens, the document under study also has. But they can be fixed in the future. The first point is that not all clinics accept electronic policies yet. Many require paper documents. All this is due to the fact that medical institutions do not yet have either software or equipment that are designed to work with electronic policies. The second point is that many citizens point out that the service for plastic so far takes longer than for paper documents. All this, again, is due to the fact that the electronic form was developed and introduced quite recently. Reviews like this are all over the place. The CHI policy of electronic format has no more criticism of this or that nature.

Promised Benefits

But these are all just opinions. They often do not reflect reality. Therefore, the government independently indicates a number of advantages of using such a document as an electronic compulsory medical insurance policy. Where to get it? More on this later. First you need to find out how much the upcoming paperwork is justified.

What are the advantages of a plastic card that replaces a paper policy of compulsory medical insurance? The state specifies the following information:

• virtually no wear;
• compact;
• privacy of customer information;
• policy service rate;
• possibility of use throughout Russia;
• ease of use;
• Perpetual action.

Accordingly, if you believe all the advantages, you can really think about ordering the document under study. Particularly pleasing is the lack of wear compared to the paper counterpart, as well as the compact size. The main advantage of the electronic policy is its simplicity and ease of use. For this alone, you should think about ordering plastic.

Where to get it

Another question that interests many is where you can get an electronic compulsory medical insurance policy in Moscow and other cities. It's actually easy to answer. Citizens themselves can choose where exactly to go to bring their ideas to life.

There are several options here. Is the citizen interested in the electronic compulsory medical insurance policy? Where to get? Moscow or any other city is not so important. The main thing is that the answer will not change much. Only the addresses of the places will be different. But institutions are similar. Among them are:

• insurance companies operating in the region;
• Gosuslugi portal (not everywhere);
• points for issuing compulsory medical insurance policies (may be located in clinics and hospitals).

You can't get this document anywhere else. In general, the compulsory medical insurance policy can be issued through multifunctional centers. Just keep in mind that we are talking about a paper format. An electronic card at the MFC is currently not issued in any city, even in the capital there is no such possibility.

Who is eligible

The next question that interests the population is whois en titled to receive free medical insurance under the CHI system? After all, not everyone can order an electronic policy! What are the restrictions on this?

It's simple. All citizens who have certain documents can participate in the compulsory he alth insurance system. Potential recipients include the following categories of persons:

• adult citizens of the Russian Federation;
• children under 18;
• foreign persons staying in Russia.

Accordingly, everyone has the right to receive a medical policy. But in the case of foreigners, you will have to try - you will need a lot of documents. In any case, more than for Russian citizens.

In several stages

Electronic compulsory medical insurance policy in Moscow and other cities can be obtained in several stages. They are not very difficult. The main thing is to choose in advance the body to contact. For example, a particular insurance company. After that, you can select several steps on the way to obtaining the document:

• gathering a package of papers;
• drawing up and filing an application of the established form;
• getting a plastic card.

Nothing else needed. The waiting time for the card is 30 days. You will have to wait about a month from the date of application before returning to the insurance company or policy issuing point to pick up the finished plastic.

Documents for adults

Now we should pay attention to more importantmoments. It is clear what constitutes an electronic compulsory medical insurance policy. Where to get it in certain cities? It's no longer a secret! But what documents will be required from a citizen to apply for the manufacture of plastic?

Among all the necessary papers, there are several categories - for children and for adults. First of all, adult citizens are interested in the task. Therefore, you should start with them. To obtain an electronic policy, citizens of the Russian Federation who have reached the age of 18 must bring with them:

• statement of the established form (optional);
• Russian passport;
• SNILS;
• medical policy (if any).

The application is optional. Usually it is filled in by employees of the insurance company and given to the citizen for signing and verifying the correctness of the entered data. No paperwork!

Foreign citizens are also eligible for a medical insurance policy. Even electronic. To do this, you need to bring to one of the previously listed bodies:

• passport of a citizen of a foreign country;
• SNILS (if any);
• documents indicating legal stay in the country (it is with them that there may be problems);
• Residence permit or temporary registration documents (if any).

Of course, an application of the established form must be attached to the entire list above. If a foreigner already has a policy, it is advisable to provide it too.

Children

How to get an electronic compulsory medical insurance policy for a child? Here you need to take into account some nuances. First, the application must be filled out on behalf of the parents, indicating information about the child. Secondly, it is required to provide a larger list of documents. In connection with the latest changes, the issuance of the CHI policy is carried out after citizens bring with them:

• identity card of one of the parents;
• child's birth certificate;
• SNILS minor;
• paper MHI policy (if any).

The statement has already been said. It's all. The main problem occurs in newborns. Even such citizens must have SNILS. Without this document, the compulsory medical insurance policy is not issued in principle. This is what the latest changes say.

Where to go in Moscow

Interesting with an electronic compulsory medical insurance policy? Where can I get it if the person is in Moscow? The exact addresses of insurance companies can be found on the interactive map of the city. But if we talk about specific organizations, the following firms offer to apply in the established form:

• "SogazMed".
• UralSib.
• MSK "Medstrakh".
• "RESO-Med".
• "Consent-M".
• "Rosgosstrakh-Medicine".
• "Ingosstrakh-M".
• VTB Medical Insurance.

Now it is clear how to get an electronic compulsory medical insurance policy in Moscow and other cities. It's not that hardas it seems. The most difficult choice is the determination with the insurance company. Everyone chooses which organization he will turn to for insurance!