In today's world, more and more people realize the value of compulsory medical insurance and prefer not to save money by avoiding it.What is OMS?They called the system of social guarantees that allow citizens to receive timely medical help.More information will be presented in this article.
What is OMS?
Why was a system of mandatory health insurance?Its main objective - to provide timely assistance to citizens at the expense of the accumulated funds.In addition to the insured event in the form of a disease, the MLA is obliged to finance and preventive measures.
What is OMS?This is part of the State Insurance, which should provide citizens equal opportunities in obtaining medical care.Terms and conditions of its rendering are registered in special programs.
Who should have a policy of compulsory medical insurance?
Under the legislation Russian policy should have the following persons:
- all citizens;
- foreigners who temporarily or permanently residing in Russia;
- stateless persons;
- those who are entitled to receive health care in the framework of the law "On Refugees".
exempt from this obligation highly qualified stateless persons and members of their families.It is regulated by the law "On the legal status of foreigners in the Russian Federation."
validity of the document
Citizens of the Russian Federation and foreign stateless persons residing permanently in the country, the insurance company OMC provides no time limits.Those who are entitled to receive medical care in accordance with the law "On Refugees", the document is issued for the period of stay.Time limit prescribed in the respective applications.Persons who are temporarily living in the country can get the MLA for the duration of their registration.
services offered policyholders CHI
What makes policy (new) MLA?Enumeration of the services described below:
- variety of medical organizations;
- free medicine and health care in the guaranteed amount when the insured event;
- possible to obtain complete information on the type and volume of services;
- protect the interests and rights;
- opportunity to redress that was caused to health by helping;
- medorganizatsii range of insurance;
- aid out of turn (certain categories of citizens);
- choice of doctor (family and attending).
Medicare
program of state guarantees fully talks about what the MLA.Due to the accumulated funds to provide the following free support:
- Ambulance (exception - sanitary and aircraft evacuation).
- Specialized.
- preventive and primary health care.
- Help in the treatment of diseases included in the basic program.
Besides the accumulated funds, the system of social guarantees for the operating budgets of the allocations by Russia.FREE assisted:
- palliative.
- For all diseases according to the program the MLA.
- high-tech.
- insured and uninsured.
- Specialized ambulance.When
- conditions and diseases out of the list, for example - tuberculosis, psychiatry, drug and alcohol abuse, and others.
What diseases are included in the list of free medical care?
Spetsizdanie registered in the list of diseases for which the drug is and medical assistance.Here are the main ones:
- childbirth, pregnancy, abortion;
- diseases of the endocrine system;
- infection, including parasitic;
- diseases of the nervous system;
- metabolic disorders;
- diseases of the digestive system;
- chromosomal abnormalities;
- disease subcutaneous tissue, the skin;
- disorders of the immune mechanism;
- poisoning;
- injury;
- disease ears, eyes, and others.
Due to budget allocations are treated free mental disorders, tuberculosis, diseases, sexually transmitted diseases, particularly AIDS and HIV.In addition to the above, the existence of the policy (what the MLA, discussed above) ensures assistance for disorders in the behavior during the use of psychoactive drugs.In order to detect early signs of addiction in minors, carry out preventive check-ups.
Where to get MHI policy?
in all regions of our country can get MHI policy.A sample document is presented in this article.Today operates 58 different insurance companies.There are both large organizations and branches are scattered across the country, and small, who specialize in one subject.Usually these companies the same set of services, so there is no difference where the MLA receive.Despite this, companies are competing with each other and entice customers.To do this, they create different ratings and shares offer attractive bonuses to its insureds.But for policy MLA does not matter what will be the company.Conditions for obtaining the document are the same everywhere.Choosing organization, people tend to stick to the geographical and territorial basis, that is, go where closer.Some prefer to work with the audited offices, paying attention to advertising.Most listened to the advice of friends and acquaintances.Often, employees of hospitals and clinics refer clients to a specific location, but it is not prohibited by law, so you can easily select any item receipt MHI policy.
What is the form of the policy of compulsory health insurance, you need to know for sure.Look closely at the paper placed in the above example.CHI - is an area in which today often emerge fraudulent schemes.Armed with knowledge, you will not fall for the bait intruders.
policy documents for OMS
For the policy to persons under 14 years of age must provide:
- SNILS (if available).
- birth certificate.
- identity documents of the legal representative of the child.
After playing 14 years to issue a passport.Therefore, in the preparation of MLA policy instead of a birth certificate is necessary to submit a document proving the identity of the applicant.
Foreign nationals who permanently live in the Russian Federation, also get a certain number of the policy MLA.For this purpose, the relevant insurance company, they provide:
- residence;
- SNILS if available;
- identity document of an alien (passport, and so on. D.).
same list of securities applies to persons who are resident in Russia, but do not have citizenship.The legal representatives of the insured person must have a passport and a power of attorney.The last document confirming their authority.
is advisable to choose the organization for a replacement or issuance of the policy from the list, established by territorial funds (Sberbank, "Rosgosstrakh", etc.).This information can be found on the official website or other trusted source.Independently apply may face recognized legal capacity, that is, those who already have 18 years.Citizens who have not attained this age may apply to the offices of companies with only the legal representatives, ie parents, relatives and others. For example, if the mother wants to insure a child, power of attorney is not required.Guardians and direct relatives are direct legal representatives.
Before you apply for a replacement or a policy, make certified copies of passports, etc. SNILS. D. As a rule, employees require the provision of such a package of papers.
Very often you can find a temporary MHI policy.It is issued by changing the names, and so on. N. Valid this document is not more than one month from the date of its receipt.MHI policy number changes.Document soon come into force, that is, to get medical care for him, you can safely.The document is made about 30 days, after which employees communicate with the insurer by phone or e-mail.Details of customers leave their statements.
Modern companies offer this service as MLA clearance policies at home.Take advantage of this offer can only be people with disabilities.All detailed information about the schedule of issuing centers and their addresses can be found on the company's website.Application for the manufacture and replacement of documents, usually left on the phone.
If customers are not satisfied with the work of employees of the company, you can leave a written complaint or an oral complaint to the management of a regional or federal office.Rules for compiling these documents are registered in special applications.
What you need to know about the MHI policy?
- There are a lot of offices where you can get a MHI policy.Sberbank, for example, gives a universal electronic card that can be used not only as a passport and MHI policy, but also the payment of a credit card and so on. D.
- In 2011, the document was created a single sample.
- insured person can only have one policy MLA.
- document must contain the contact information of the CFR.It also specified address and telephone number of the insurance organization.
- Company, in which the client intends to change the policy, must acquaint him with all the terms and conditions of social protection.The employee is obliged to give details of what rights and duties are at the insured person.
Thus, MHI policy will allow time to receive medical care, so it is early to take care of its decoration.
