Mandatory medical insurance is mandatory for all citizens of Russia.
Content
What is medical insurance
Medical insurance originated in the XVIII-XIX centuries in the form of life insurance against accidents. Workers have created mutual assistance at the factors, where they themselves have given contributions, seeking to ensure their family in the event of disability. Now compulsory medical insurance (OMS) is a state system of social protection of the interests of citizens to protect health. The purpose of compulsory medical insurance is to provide a citizen in the event of a situation requiring medical care, its receipt at the expense of financial resources accumulated in a specific insurance company.
Mandatory Medical Insurance Program is a guaranteed minimum provision of free medical care. However, if the funds intended for this will be not enough, then the claims to show no to whom - this means that free help can be provided in a trimmed form or not provided at all, moreover, in full compliance with the law. Unfortunately, in practice, often happens.
Who pays contributions
Insureders pay contributions to the insurance medical organization with which they have concluded a health insurance contract. If you work, your insured is your employer, if not - then your local administration. The money they pay accumulates in the territorial fund of compulsory medical insurance, T.E. Compulsory Medical Insurance Fund is a structure, in which our taxes accumulate our taxes to turn into salaries of doctors and medicines for patients.
Insurance companies conclude agreements with medical agencies to provide medical care, and the cost of providing medical services is then paid from the very stock. Thus, the insurance company is a mediator between the medical institution and the insured person and monitors medical care.
Policy
If you got a new passport, changed the place of work, place of residence or retired, then you need to get a new policy. When dismissing from a permanent job or when changing the place of registration, you must pass the previously issued insurance policy for a period of no more than 10 days and get a certificate confirming the fact of delivery - this certificate will need to get a new policy.
When applying for a job, you get a medical policy from a new employer or in an insurance medical organization. In the absence of work or if you work in a firm that does not insure your employees (and there are quite a few people now), then you need to receive a policy in an insurance medical organization that insured the non-working population of your area at the place of your registration.
Obtaining insurance
If you work in an employment contract, it, in turn, in the prescribed manner lists contributions to compulsory medical insurance for you in Moscow, the administration is obliged to conclude a compulsory medical insurance contract for you. The right to ensure the policy of the OMS (compulsory medical insurance) in Moscow you will have throughout the period of work in Moscow.
To conclude a contract, your organization's representative should contact one of the insurance organizations in the system of compulsory health insurance organizations:
To clarify the procedure for the conclusion of the OMS contract, the representative of the enterprise can also contact the accounting and control department - the MHFOM branch, where the company is registered as a payer of insurance premiums for compulsory medical insurance.
Unemployed citizens must contact the policy of issuing policies of the medical institution. In order to obtain the policy, the presence of a passport and a document confirming the status of the unemployed. Points of issuance of compulsory medical insurance insurance companies are deployed in all urban polyclinics.
Children under the age of 14, the mandatory health insurance policy in Moscow are issued at the point of issuing policies upon presentation of a birth certificate and a document confirming the place of residence in Moscow of one of the parents or guardians.
In the case of lost policy, you need to contact the point of issue with a passport and a statement about the loss of the policy.
