How to get a temporary CHI policy - features, requirements and validity

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

According to the current legislation of the Russian Federation, each person must have a medical insurance policy. Without it, in the event of any disease, you can not even try to go to the hospital, because you simply will not be accepted.

However, the execution of this document takes a certain period of time and takes place in accordance with the standard procedure, so you will need to follow the appropriate algorithm and prepare a package of documents required by law.

As practice shows, most people who encounter this for the first time have some problems with this, at first glance, a simple procedure. Therefore, in order to facilitate the paperwork process, you need to understand in detail how to get a temporary CHI policy. This and much more will be discussed later in this article.

General information

Before we get into the main points, let's firstLet's take a look at the general details. A temporary CHI policy is nothing more than an insurance certificate that guarantees its owner that in case of any he alth problems, the state will provide free medical care. At the same time, the institution receives money from the federal budget or from the citizen's insurance savings account, to which deductions from the payroll are transferred every month.

As for the insurance itself, it is free. In addition, its action extends to the entire territory of the country, so wherever the holder needs help, he can be sure that he will receive it. For example, if you took out a temporary compulsory medical insurance policy in Moscow, then when you go to a hospital in Krasnoyarsk, Vladivostok or any other city, you will not only be admitted for a consultation, but will be cured for free.

When is insurance required?

This aspect should be given special attention. If you do not have permanent insurance, then you will have to pay for services at the clinic. Therefore, you need a temporary policy that has a limited duration, on which you can make an appointment. In addition, this document is required in the following cases:

• at the birth of a child;
• for the period of renewal of permanent insurance in case of expiration or loss;
• Foreigners staying in Russia.

Temporary MHI policy is valid for 30 calendar days, during which permanent insurance must be issued.

Externaldocument view

Temporary medical insurance is a standard form that is printed on a regular A4 sheet. It is filled in by representatives of the insurance company in the presence of the client when concluding an insurance contract. The document is subject to strict reporting, therefore it has a personal number of the temporary CHI policy, which is entered into a single electronic database. The form must contain the following information:

• organization name, physical address and contact information;
• fill date and number;
• data on the insured person;
• policy expiration date;
• signatures of both parties;
• company seal.

Filling out the document should be approached very seriously and carefully double-check everything, because if even the slightest mistake is made, it will be invalid.

Procedure for clearance

Let's take a closer look at this. Every person, regardless of citizenship, has the right to receive a temporary CHI policy, but it is very important to follow a certain procedure here. It is simple, but you still have to run a little and tinker with the documents. You will need the following:

• passport of a citizen of the Russian Federation or another country;
• tax identification number.

If you are a non-resident of the Russian Federation, then you will need to obtain a compulsory medical insurance policy for temporary registration. Therefore, resolve the issue in advance withyour accommodation and complete all the necessary certificates. If you want to take out insurance for a child, then you will need to attach a birth certificate to the list of the above documents.

How to get insurance for foreign citizens

What do you need to know about this? In Russia, a temporary compulsory medical insurance policy is also issued for foreign citizens, but the procedure for obtaining it is slightly different. In particular, this applies to paperwork. No insurance company will conclude a contract with a foreign citizen if he does not have the following documents with him:

• passport of your country with a notarized translation;
• original and copy of the temporary registration document in Russia;
• SNILS.

If you are not taking out insurance for the first time, then you will also be required to use old policies.

Where to apply for CHI?

Today the insurance market is very well developed, so there will be no problems with obtaining insurance of any kind. You can do this:

• at any insurance company;
• at the hospital at the place of registration;
• in the multifunctional center;
• through a specialized service at the place of official place of work.

It is worth noting that when applying for insurance, you can be given both a printed and completed form of the established form, and a plastic certificate. Regardless of the type of document, it is important to make sure that it contains the number and series of the temporary CHI policy. itvery important, because based on this you can verify the authenticity of the insurance and avoid many problems in the future.

How is the registration process?

Issuing a temporary CHI is practically no different from any other type of insurance. First of all, you should contact the authority that provides he alth insurance services. You must have the package of documents listed above with you. As soon as they are verified, you will receive a temporary document valid for one month. During this period, you are required to issue a permanent CHI.

What options does the policy provide?

As mentioned earlier, a temporary certificate confirming the issuance of an MHI policy provides the same rights as permanent insurance. This is clearly stated in the regulations, so you do not have to worry about being denied medical services under it. However, in some cases, problems still arise. Here are the most common ones:

• Information about the insured person takes too long to arrive at the clinic, as a result of which, when applying, a citizen may be denied service.
• There is no barcode on the printed form or some errors were made when filling it out. In this case, when you try to make an appointment with a profiled specialist through a self-service terminal, you simply will not succeed. But such a problem is quite easily solved. You needcontact your insurer who will make any necessary changes.

The solution to any problems depends solely on each person. Some defend their legal rights, while others turn a blind eye to this and wait until a permanent policy is issued to them. In addition, medical staff often negligently fulfill their obligations and provide poor quality service to patients who apply to them under temporary insurance. In no case should this be ignored, since this is a gross violation of the law. Be sure to contact your insurance company.

What is included in CHI?

This is a very important aspect that every person should have a detailed understanding of. In fact, insurance is a kind of service, having issued which, you must use it in every possible way. Temporary certificate (policy) of MHI guarantees the receipt of basic assistance, which means the following:

• call an ambulance in case of an emergency, when the patient cannot arrive at the hospital on his own for any reason;
• hospitalization in case of injury, heart attack or exacerbation of a serious illness;
• consultation and examination by profiled specialists;
• attending he alth literacy educational events;
• obtaining modern therapies in selected regions participating in the state program;
• surgical operations of various levels of complexity if the hospital has the necessaryequipment and medicines;
• free medicines;
• all therapies for people working in unhe althy conditions;
• any kind of help for pregnant women and newborns.

All of the above services are basic. Some insurance companies provide an opportunity to issue a temporary compulsory medical insurance policy, which involves extended service. To know exactly what the contract includes, you must carefully study all the conditions when signing the document.

How long does it take to process?

The insurance business is one of the most profitable, so today there are a huge number of insurance companies on the market. However, not all of them fulfill their obligations in good faith, and there are also a considerable number of scammers who issue fake insurance that has no legal force. Therefore, you must be very selective when choosing an insurer.

As for the time of registration, it may be different. After you have submitted a package of necessary documents to the UK, its employees will check them for authenticity and correctness of filling. This can take a lot of time, as a result of which a citizen can be without insurance for quite some time. You can check the temporary compulsory medical insurance policy for readiness yourself. You can do this:

• by calling the multifunctional center office;
• online through the website of the insurance company.

Worth itIt should be noted that large insurance companies that have representative offices in many regions of the country provide SMS-informing their clients about the status of the application. But there are few such organizations, so people have to worry about everything themselves.

Conclusion

In this article, the topic of temporary CHI was disclosed in detail. Finally, it is worth noting that they are no different from permanent insurance, except for a shorter period of validity. If you receive a refusal of admission or poor service, you can complain to the head physician. If this does not lead to anything, you should not turn a blind eye to such a thing. You need to contact the insurance company with a request to take any measures to solve the problem.

You can also always go to court, which will bring violators to criminal responsibility. But, as practice shows, in most cases, citizens receive quality assistance. The main thing is not to forget to provide information about obtaining a permanent CHI. Otherwise, after 30 days, you really may not get an appointment with a doctor.