CMI policy for a newborn: where to get and how to apply

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

When a baby is born, he immediately comes under the close attention of doctors. For this to continue in the future, parents are obliged to insure their child as soon as possible. And this is not a whim, but a requirement of the law of the Russian Federation. Every person living on the territory of the Russian Federation must receive medical care. And for free. For this, there is a mandatory medical insurance. Making a CHI policy for a newborn is a simple matter, and you won’t have to spend a lot of time. But how exactly this should be done, we will tell in our article.

Baby needs a policy

In the first couple of months of a child's life, according to the documents, he is still inseparable from his mother. Therefore, all the necessary medical procedures for him are supported by her policy. But later it will be very difficult and expensive for you to communicate with doctors ifyou will not be able to get a compulsory medical insurance policy for a newborn in time. If you take out insurance in a timely manner, you can qualify for special baby food (dairy cuisine), as well as the provision of free medicines if necessary.

Some mothers evade the compulsory medical insurance program, arguing that the whole family is voluntarily insured under the VHI policy and this is quite enough. However, such arguments do not stand up to scrutiny. Although a voluntary policy provides a much wider range of medical services and, possibly, provides better and more expensive treatment, it has one disadvantage that, on closer inspection, outweighs all the advantages. The point is that in the current difficult conditions, no one can guarantee you that by the time the insured event occurs, your insurance company will still exist.

If this happens, then your sick child runs the risk of being completely left without the necessary medical care. In extreme cases, you will have to pay for the treatment yourself.

So voluntary insurance does not cancel the CHI policy for a newborn, rather complements it.

Maternal and child rights

Correctly and timely issued insurance gives the baby the right to receive timely and free medical care in any state clinic of the Russian Federation. So if you went to visit your grandmother on the other side of the country and suddenly fell ill there, you can be sure that your baby will not be left without help. Butwhether it will be paid or not depends on whether your baby has a compulsory medical insurance policy for a newborn.

In addition, with compulsory medical insurance, children under the age of 3 years are en titled to use free medicines in accordance with the instructions of the attending physician. This is impossible without CHI.

Moms should know that even without an insurance document, during the first three months of a child's life, he is obliged to provide all necessary medical services free of charge. But during this time, the document should still be issued.

Where to contact

To apply for a policy, parents must apply to any insurance organization. If you do not know how to approach her choice, you can use a little advice. In the first months of the baby's life, decide on the clinic where you are going to continue to be served.

It doesn't have to be the closest place to home - it's likely that you'll like the pediatrician on the other side of town and want to be treated only by him, despite the difficulties of the road.

When you have decided on a doctor and a medical institution, ask the employees with which particular IC they have an agreement, and feel free to go there. In this case, you are guaranteed not to have any difficulties. By the way, if you suddenly want to change the selected SC to another one, you can freely and free of charge do it once a year.

How to prepare documents

To get a compulsory medical insurance policy for newborns, documents need to be startedprepare in advance. This is due to the fact that the baby has not yet issued any papers and the case may be delayed.

First of all, the baby needs to write out a birth certificate. It is very easy to do this. To do this, you need to contact the local registry office and submit an extract from the hospital and parents' passports. You need to do this within a month from the moment of birth.

When the certificate is received, the child must be registered, that is, registered at the address of the parents (or one of them if they do not live together). To do this, you need to go to the passport office. Failure to register a child is an administrative offense and entails a fine or a warning.

Now you need to go to the Pension Fund of the Russian Federation and apply for registration of SNILS. This item, although not mandatory, should not be neglected. You will definitely need SNILS in the future.

Here, in fact, are all the documents for obtaining a compulsory medical insurance policy for a newborn:

• passport of one of the parents (the one with whom the baby is registered);
• birth certificate;
• application-questionnaire filled in the prescribed form;
• SNILS.

Although according to the law, three months are allotted for all the running around with papers, it is not worth delaying the registration.

Timing

When all the documents for the MHI policy for the newborn are collected, we go to the insurance company. An employee of the IC will check everything and give you a temporary certificate. It is valid for 30 days andreplaces a permanent policy. This is done so that the baby does not suffer from bureaucratic delays and receives free medical care from the moment the parents apply to the insurance. A month later, a permanent document will be issued for the child, which will be valid throughout life.

There is one caveat here. If the child (as well as his parents) has only a temporary registration, then the insurance will be issued only for the period of its validity. The policy will automatically renew as the registration period increases.

How to order compulsory he alth insurance remotely?

Many young parents are very interested in the question: “Is it possible to obtain a compulsory medical insurance policy for a newborn remotely, through electronic services or mail?”

Unfortunately, although technical progress has gone far, the issuance of an MHI insurance document remotely is not provided for by Russian law. The fact is that in order to receive such a document, you will have to sign in a special journal, because these forms belong to the category of strict reporting.

But it's very possible to use postal services to submit documents. To do this, it is enough to send notarized copies of the necessary documents and a completed application form to the address of the selected UK.

Many insurance companies have their own websites and offer to fill out an application online and scan documents. You can do this, but to get the policy itself, you still have to appear in person.

Bin some regions of the country, a compulsory medical insurance policy can be issued using the public services website. You only need to fill out an electronic application form, and all other documents will be obtained as a result of interaction between various departments.

What happens if you don't get insurance

You probably already understood that the CHI policy for a newborn is very important. Without this document, only emergency doctors will serve you free of charge. Without CHI, it will not be possible to register at the clinic, and there can be no talk of a free hospital.

A few days spent getting the paperwork right is definitely not worth your child's he alth. The risk in this case is absolutely not justified, so it's better to get insurance faster.

How to recover a document

If you have lost or damaged the MHI policy for a newborn, as well as in the case when the baby's personal data has changed, the document must be replaced. It's easy to do. You need to contact the same IC where it was issued and report the loss of the document or a change in personal data. The employee will record the information and issue you a temporary policy. A month later, you will receive a new document with all the changes.