Today everyone from birth must have medical insurance.But have you ever thought what it offers guarantees?And anyway, what is the policy?Let's look at these issues.
Terminology
Initially, you should understand the term.Clarify the meaning of the word "policy".From the ancient Greek term literally translates as "city".It indicates the word a special form of political and socio-economic organization of society, which was characteristic of ancient Greece and Italy.Also, the policy (in French means "receipt acknowledgment") - a document certifying the conclusion of the contract both personal and property insurance.There is another term.General policy - this insurance document providing services to systematically insurance.
OMC in Russia
Compulsory health insurance - is part of the state system of social services.It guarantees equal opportunity to obtain the drug, and medical care.This service stands out from the mandatory health insurance funds to the extent necessary to comply with state programs.Studying the question "what is the policy" should talk a little bit about the site of its action.In Russia, the mandatory health insurance type is made according to the federal law, approved 29.11.2010 years.Russian legislation stipulates that every citizen owning MHI policy, has the privilege to receive medical care across the country is absolutely free in the amount of the basic state of the program.And if the policy is issued for the regions of the Russian Federation, in accordance with the framework of regulations specific area.The base amount is approved by order of the Government of the Russian Federation within the limits of the Program of the state to ensure the provision of free medical care to citizens.In the regions on the basis of its established and approved the scope of the territorial nature of the MLA.These programs may not be less than the volume and types of Basic program.But the territorial volume may include special types of care that are provided by the subject of the Russian Federation.From all this we can conclude that any Russian citizen, insured under the MLA in the region, has the right to receive medical care in larger volume (if it is stipulated in the territorial program) and in the amount provided for in the basic program, if it is on the territory of the otherregions of the country.
Voluntary medical insurance
Now let's see what the VHI?Why is it needed?This type of policy - is the type of individual insurance, enabling you to get medical care in institutions of therapeutic and prophylactic areas of non-benefits package.Voluntary insurance is divided into two categories: collective and individual.In the first case taken into account the risk of various diseases in a group of persons.But the complexity of the individual insurance covers a specific disease in an individual.In this case, as subjects, providing services, or perform physical persons (individual program) or employers (in the collective program).In the role of advocate insured citizens.
Protecting and ensuring the rights of insured persons
studying the question "what is the policy," special attention should be paid to the protection and promotion of the rights of insured persons.According to the legislation of the Russian Federation, engaged in this type of protection:
- employer.
- The executive or legislative authority of the regions of the Russian Federation.
- Fund territorial CHI values.
- insurance medical institutions and their communities.
- Supervision of Health.
- Medical institutions of professional type.
- Hospitals.
- Antimonopoly Committee and the Prosecutor's Office.
- Roszdravnadzor.
- Subjects trial and pre-trial settlement of disputes.
So we learned that a MHI policy, why is it needed and what are the main types of insurance citizens.
