In 2022, you can get more services under the compulsory medical insurance policy

Services under compulsory medical insurance policy

Having a compulsory medical insurance policy guarantees unhindered receipt of free, qualified medical care without unexpected financial costs. Presentation of the document is a mandatory condition when applying to any hospital or clinic in the Russian Federation. In the absence of a policy, medical services will also be provided, but on a paid basis.

The basic compulsory medical insurance program includes primary health care, preventive services, and emergency medical care. There is a separate list of services that are provided on a preferential basis or completely free of charge.

What is compulsory medical insurance: how to apply, how to use it

Compulsory health insurance (free) is an important part of the state’s social system. Any citizen of the Russian Federation - regardless of social status, place of residence and income level - has the right to treatment under this program. However, the services are conditionally free: all employers make contributions to the appropriate fund, and from it the money goes to clinics and hospitals.

Any citizen of Russia, as well as a foreigner, refugee or stateless person living in the Russian Federation can take out a policy. Registration or registration is not required - you only need a passport and SNILS (optional). To obtain a document, just contact any insurance company that is part of the compulsory medical insurance system and fill out an application. After this, you need to attach to the district clinic - the procedure will be told to you at the reception desk.

With the policy, you can be treated in any state clinic in the Russian Federation. There is a small nuance here: different insurance companies operate in different regions. There will be no difficulties if you live in one place. But when moving, you will need to choose a clinic that is convenient for you and check whether your insurance company works with it. If yes, contact the office of this company and tell them that you will now be treated in another city.

If not, the procedure will be a little more complicated:

• Find out at the reception of the selected clinic which insurance companies cooperate with it. If there are several companies, study their terms and conditions. Insurance is the same everywhere, but the range of services may differ. The decisive factor may be the insurance office near your home or 24-hour telephone support.
• Having grabbed your passport and SNILS, contact the insurance office. Write an application to change the policy - after this, a company representative will issue you a temporary certificate and name the date when you can pick up the permanent policy.
• With a temporary certificate and passport, go to the clinic reception and ask for an application form for attachment to a medical institution. Fill it out and return it to the registration desk.

After this, you will be able to use any free clinic services provided by the state program. The list can be clarified at the medical institution (usually it hangs on the information stand near the registration desk) or at the insurance company.

Compulsory medical insurance policy free services

Types of medical services that are provided free of charge based on the compulsory medical insurance policy:

1. Oncological and dental treatment in accordance with the list of the Russian Health Committee.
2. Fluorogram for preventive purposes due to the need to detect tuberculosis in the early stages.
3. Preventing common diseases with vaccines.
4. Provision of medications and preferential prosthetics.
5. Assistance in outpatient and inpatient settings.

Types, quality and conditions of medical care

Types of medical care

As part of the Territorial Program for Free Medical Care, the following types of medical care are provided free of charge to persons insured in Moscow:

• Primary health care, including primary pre-medical care, primary medical care and primary specialized care;

Primary health care is the basis of the medical care system and includes activities for the prevention, diagnosis, treatment of diseases and conditions, medical rehabilitation, monitoring the course of pregnancy, promoting a healthy lifestyle and sanitary and hygienic education of the population. Primary health care is provided free of charge in outpatient and day hospital settings in planned and emergency forms. Primary pre-hospital health care is provided by paramedics, midwives and other medical workers with secondary medical education. Primary medical care is provided by general practitioners, local physicians, pediatricians, local pediatricians and general practitioners (family doctors). Primary specialized health care is provided by medical specialists, including medical specialists from medical organizations providing specialized, including high-tech, medical care.

• Specialized, including high-tech, medical care;

Specialized medical care is provided free of charge in inpatient settings and in a day hospital by medical specialists and includes the prevention, diagnosis and treatment of diseases and conditions (including during pregnancy, childbirth and the postpartum period), which require the use of special methods and complex medical technologies, and also includes medical rehabilitation. High-tech medical care is part of specialized medical care and includes the use of new complex and (or) unique treatment methods, as well as resource-intensive treatment methods with scientifically proven effectiveness, including cellular technologies, robotic technology, information technology and genetic engineering methods developed based on the achievements of medical science and related branches of science and technology.

• Ambulance, including specialized emergency medical care;

Ambulance, including specialized ambulance, medical care is provided to citizens in an emergency or emergency form in case of diseases, accidents, injuries, poisoning and other conditions that require urgent medical intervention outside a medical organization (at the place where the ambulance team is called, including specialized ambulance, medical care, as well as in a vehicle using medical equipment - during medical evacuation). Ambulance, including specialized emergency medical care, is also provided on an outpatient and inpatient basis by mobile emergency advisory ambulance teams, including specialized emergency medical care, if it is impossible to provide this type of medical care in the appropriate medical organization. When providing emergency, including emergency specialized medical care, if necessary, medical evacuation is carried out, which is the transportation of citizens in order to save lives and preserve health (including persons undergoing treatment in medical organizations that do not have the ability to provide the necessary medical care). assistance for life-threatening conditions, women during pregnancy, childbirth, the postpartum period and newborns, persons injured as a result of road accidents, emergencies and natural disasters). Ambulance, including specialized emergency medical care, is provided free of charge by medical organizations of the state healthcare system of the city of Moscow, as well as by other medical organizations participating in the implementation of the Territorial program in terms of providing this type of medical care. Medical evacuation is carried out by mobile ambulance teams, including specialized emergency medical care, carrying out medical care measures during transportation, including the use of medical equipment.

• Palliative care provided by medical organizations;

Palliative care in outpatient and inpatient settings is provided by medical professionals trained to provide such care, and is a set of medical interventions aimed at relieving pain and alleviating other severe manifestations of the disease in order to improve the quality of life of terminally ill citizens. Palliative medical care for residents of the city of Moscow is provided free of charge by the State Budgetary Institution of Healthcare of the City of Moscow "Moscow Multidisciplinary Center for Palliative Care of the Department of Health of the City of Moscow", departments (rooms) of palliative treatment of medical organizations of the state healthcare system of the city of Moscow, including in nursing beds, as well as visiting patronage services.

• Medical rehabilitation.

Medical rehabilitation as a necessary stage of treatment is provided free of charge in an outpatient setting, a day hospital and inpatient settings and includes the complex use of natural healing factors, drug, non-drug therapy and other methods aimed at the full or partial restoration of impaired and (or) compensation for lost functions affected organ or system of the body, maintaining the functions of the body in the process of completing an acutely developed pathological process in the body, as well as prevention, early diagnosis and correction of possible dysfunctions of damaged organs or systems of the body, preventing and reducing the degree of possible disability, improving the quality of life, maintaining working capacity the patient and his social integration into society.

Forms of medical care

The Territorial Program provides medical care in the following forms:

• Emergency - medical care provided for sudden acute diseases, exacerbation of chronic diseases, conditions that pose a threat to the patient’s life;
• Emergency - medical care provided for sudden acute diseases, exacerbation of chronic diseases, conditions without obvious signs of a threat to the patient’s life;
• Planned - medical care provided during preventive measures, for diseases and conditions that are not accompanied by a threat to the patient’s life, do not require an urgent or urgent form of medical care, the delay of which for a certain time will not entail a deterioration in the patient’s condition, a threat to his life and health.

Conditions for providing medical care

The Territorial Program provides medical care in the following conditions:

• Outside a medical organization (at the place where the mobile ambulance team is called, including specialized emergency medical care, as well as in a vehicle during medical evacuation);
• In an outpatient setting, including at home when calling a medical professional;
• In a day hospital setting (medical observation and treatment are provided during the day, but round-the-clock medical observation and treatment is not required);
• In an inpatient setting (24-hour medical supervision and treatment is provided).

Waiting times for medical care

• Inpatient emergency medical care is provided immediately;
• The waiting period for specialized medical care (with the exception of high-tech) in a hospital setting in a planned form (planned hospitalization) is no more than 14 working days from the date the attending physician issues a referral for hospitalization of the patient;
• The waiting period for specialized medical care for a patient with an oncological disease (a condition that has signs of an oncological disease), with the exception of high-tech, in connection with the presence of the specified disease (condition) in a hospital setting in a planned form, is no more than 7 working days from the date of histological verification of the tumor or from the date of diagnosis of an oncological disease (a condition that has signs of an oncological disease). Planned hospitalization is provided if there is a referral for hospitalization of the patient;
• Medical care for emergency indications in an outpatient setting is provided by local therapists, general practitioners (family doctors), local pediatricians, obstetricians and gynecologists and is carried out on the day of the patient’s application;
• The waiting period for emergency primary health care is no more than two hours from the moment the patient contacts;
• The provision of primary health care in a planned form is carried out by prior registration of patients, including in electronic form. The waiting period for an appointment with local therapists, general practitioners (family doctors), and local pediatricians should not exceed 24 hours from the moment the patient applies;
• The waiting period for an appointment with specialist doctors when providing primary specialized health care in a planned manner is no more than 10 calendar days from the date of the patient’s application;
• The waiting period for an appointment (consultation) with medical specialists in case of suspected cancer is no more than three working days from the date the patient contacts the medical organization;
• The waiting period for diagnostic instrumental studies (x-ray studies, including mammography, functional diagnostics, ultrasound) and laboratory tests when providing primary health care in a planned manner is no more than 10 calendar days from the date of appointment of the study;
• The waiting period for computed tomography (including single-photon emission computed tomography), magnetic resonance imaging and angiography when providing primary health care in a routine manner (with the exception of studies for suspected cancer) is no more than 14 working days from the date of appointment of the study;
• The time it takes emergency medical teams to reach a patient when providing emergency medical care should not exceed 20 minutes from the moment the emergency medical team is called to provide such medical care;
• The waiting period for diagnostic instrumental and laboratory tests in case of suspected cancer is no more than 7 working days from the date of appointment of the study;
• The period for establishing dispensary observation by an oncologist for a patient with diagnosed cancer is no more than three working days from the date of his diagnosis of cancer;
• Waiting periods for the provision of high-tech medical care in a hospital setting in a planned form are established by the federal executive body that carries out the functions of developing and implementing state policy and legal regulation in the field of healthcare. In medical organizations that provide specialized, including high-tech, medical care in inpatient settings, a “waiting list” is maintained for the provision of specialized medical care in a planned form and citizens are informed in an accessible form, including using the information and telecommunications network Internet, about waiting periods for the provision of specialized, including high-tech, medical care, taking into account the requirements of the legislation of the Russian Federation on personal data.

Features of providing medical care

• In order to provide medical care to a patient undergoing treatment in an inpatient setting, if he needs diagnostic tests and it is not possible for them to be carried out by a medical organization providing medical care in an inpatient setting, free transport services are provided with simultaneous accompaniment of the patient by an employee of the medical organization;
• One of the parents, another family member or other legal representative is given the right to free joint stay with the child in a medical organization when providing medical care in an inpatient setting during the entire period of treatment, regardless of the child’s age. When staying together in a medical organization of the state healthcare system of the city of Moscow or a medical organization participating in the implementation of the Territorial Compulsory Medical Insurance Program, in an inpatient setting with a child until he reaches the age of four years, and with a child older than this age - if there are medical indications, a fee for creating conditions of stay in stationary conditions, including for the provision of a bed and food, there is no charge from these persons;
• When providing medical care in a hospital setting for medical and (or) epidemiological reasons, patients are accommodated in small wards (boxes) free of charge;
• When providing medical care to citizens entitled to receive state social assistance, the organization of drug provision for which is provided for by the legislation of the Russian Federation, and to certain categories of citizens entitled to receive social support measures in accordance with the legal acts of the city of Moscow, provision of drugs and medical products is carried out , as well as specialized medical nutrition products for disabled children in the manner prescribed by Appendix 3 to the Territorial Program;
• When providing, within the framework of the Territorial program of primary health care in a day hospital and in an emergency form, specialized, including high-tech, medical care, emergency, including emergency specialized, medical care, palliative medical care in inpatient conditions, free provision is provided citizens with medicinal products for medical use included in the list of vital and essential medicinal products for medical use approved by order of the Government of the Russian Federation for the corresponding year, and medical devices included in the list of medical devices implanted into the human body during the provision of medical care approved by the Government of the Russian Federation within the framework of the program of state guarantees of free medical care to citizens, in accordance with the standards of medical care in the manner provided for in Appendix 3 to the Territorial Program;
• Within the framework of the Territorial Program, certain categories of citizens are provided, in the manner prescribed by Appendix 8 to the Territorial Program, with emergency medical care in medical organizations of the state health care system of the city of Moscow;
• Within the framework of the Territorial Program, when providing specialized, including high-tech, medical care, donor blood and (or) its components are provided in the manner prescribed by Appendix 3 to the Territorial Program;
• Within the framework of the Territorial Program, dispensary observation is carried out, which is a necessary examination of persons suffering from chronic diseases, functional disorders, and other conditions, carried out at certain intervals, for the purpose of timely detection, prevention of complications, exacerbation of diseases, other conditions, their prevention and implementation of medical rehabilitation of these persons The procedure for conducting dispensary observation and the list of studies included in it are approved by the Moscow Department of Health in accordance with the procedure and list approved by the federal executive body exercising the functions of developing and implementing state policy and legal regulation in the field of healthcare;
• Within the framework of the Territorial Program for the provision of primary specialized health care, patients who apply to medical organizations (structural units) participating in the implementation of the Territorial Program and do not provide relevant medical services are routed by referring them to other medical organizations (structural units) participating in implementation of the Territorial program to receive such medical services. To receive medical care, citizens have the right to choose a doctor, including a general practitioner (family doctor) and an attending physician (subject to the doctor’s consent), as well as to choose a medical organization in accordance with the legislation of the Russian Federation;
• Within the framework of the Territorial Program, medical care is provided during official physical education, sports and mass sports and entertainment events held on the basis of legal acts of the city of Moscow, during official mass events held in accordance with Federal Law of June 19, 2004 No. 54- Federal Law “On meetings, rallies, demonstrations, processions and picketing”, as well as within the framework of ensuring the safety of life in the city of Moscow at the request of the Main Directorate of the Ministry of Internal Affairs of the Russian Federation for Moscow, the Main Directorate of the Ministry of the Russian Federation for Civil Defense, Emergency Situations and liquidation of consequences of natural disasters in the city of Moscow, the Office of the Federal Security Service of the Russian Federation in the city of Moscow and the Moscow region, the Federal Security Service of the Russian Federation. Preventive medical examinations (examinations) of minors in order to obtain permission to engage in physical education and sports;
• Within the framework of the Territorial Program, medical examination of athletes - members of sports teams of the city of Moscow is provided;
• Within the framework of the Territorial Program, orphans and children without parental care are provided with medical care of all types, including specialized, including high-tech, medical care, as well as medical rehabilitation, if they are diagnosed with diseases. At the same time, hospitalization of orphans and children left without parental care under the age of 15 years staying in inpatient institutions (in organizations for orphans and children without parental care, social service organizations) (if there are medical indications until they reach age 18 years), to provide them with medical care in a hospital setting, accompanied by employees of these organizations.

Quality of medical care

The care provided to the insured must be of adequate quality, therefore, the tasks of insurance company experts and freelance medical care quality experts include studying cases of medical care, identifying medical errors, finding out the causes of these errors, and recommendations for their prevention. For failure to fulfill obligations to provide the insured with medical care of appropriate quality and guaranteed volume, financial sanctions are applied to medical organizations. Special control is subject to cases when complaints are received from the insured about the availability and quality of medical care in a medical organization, deaths, including maternal and infant mortality, complications of diseases, and nosocomial infections.

What services are included in the compulsory medical insurance policy?

Today, the list of medical care items provided under the compulsory medical insurance policy also includes dental treatment.

The following list of free services is provided:

1. Primary consultation and examination. This item also includes care for patients who are unable to move independently.
2. Work on drawing up a map of diseases and the features of their elimination.
3. Treatment of periodontitis, periodontal diseases, pulpitis and caries. Elimination of problems with the mucous membrane and oral cavity, removal of foreign bodies and treatment of other injuries.
4. Reduction of dislocations, operations on soft tissues, removal of malignant tumors and teeth that cannot be restored.

Advice from Sravni.ru:
The terms of the contract that is signed upon receipt of the compulsory medical insurance policy are standard in nature, since they were developed by the director of the Federal Compulsory Medical Insurance Fund A.M. Taranov. in instructions No. 3856/30-3/i dated October 3, 2003. Each health insurance contract is formed taking into account the provisions of the above-mentioned document. Otherwise, the agreement may be declared invalid. The signing of the agreement is aimed at preventing a number of conflict situations. The document also helps to clearly define the existing areas of responsibility of the parties.

Old forms - only upon request

According to the provisions of Law No. 405-FZ, from 2022, a compulsory health insurance policy can be issued in the form of a document on a tangible medium intended for application, storage and transfer of the policy, as well as in the form of a bar code (graphic information in encoded form), made using use of the federal state information system “Unified portal of state and municipal services (functions)”.

At the same time, if information about the insured person will be entered into the state register at the request of a citizen, then the compulsory medical insurance policy in the form of a series of numbers or in the form of a barcode must be issued to the applicant on the day of his application. And if information is entered into the unified register of insured persons on the basis of information received from government agencies in the current monitoring mode, that is, in cases where the citizen himself did not apply for a compulsory medical insurance policy anywhere, but his insurance was carried out in a medical insurance organization determined by the territorial branch of the Federal Fund compulsory health insurance (MHIF), then such a citizen will receive information about the inclusion of his data in the appropriate register automatically within the period determined by the territorial office of the MHIF.

In some cases, the future compulsory medical insurance policy may still exist in paper or plastic form. As Dmitry Khubezov, head of the State Duma Committee on Health Protection, explained to Life.ru, in the future, a policy may be issued on a physical medium upon a separate application, it will be free.

The compulsory medical insurance system is ineffective – Accounts Chamber

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Comparative characteristics of both systems

What about them?

• In France, treatment is paid for using a special compulsory health insurance card - Carte Vitale. Doctor's services are covered by the state by 70-100%, medicines by 15-100%.
• Approximately 600 thousand Swedish citizens use private VHI policies, which are paid for by the employer.
• 95% of China's population has health insurance, but it does not cover most hospital services. Treating a serious illness can bankrupt the average family.
• 10% of Americans do not have health insurance - these US citizens can only count on free treatment in emergency cases.
• In Japan, health insurance is compulsory, with citizens covering about 30% of the cost of treatment themselves.
• About 85% of the German population prefers to use the services of private insurance companies. For the poor, the policy is paid for by the state.

What is VHI: how to apply, how to use it

Supplementary health insurance (VHI) is voluntary - it can be an initiative of both the employer and the citizen himself. Typically, the insurer offers several programs and medical institutions, and the client himself chooses the clinic and the list of necessary services. For example, a basic package costing about 20 thousand rubles per year includes services in mid-level clinics, consultations with specialized specialists (not all), a limited number of tests and procedures (usually no more than 10 per year), and physiotherapy. The full program may include expensive diagnostics (for example, tomography), pregnancy management, and psychotherapist services. The price of such a set starts from 100 thousand rubles per year.

Insurance companies are very picky about the choice of clients under VHI. If you have serious illnesses, the cost of your policy may be increased or your inclusion in the program may be denied altogether.

DSM services can be used in two ways. In the first case, the client receives a list of medical institutions to which he can contact. In the second, the insured person calls the so-called medical console and voices his problem. The operator determines the list of services and enrolls the patient in the appropriate clinic. This is convenient if medical care is required rarely or on non-working days.

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