Representatives of the Social Protection Fund of the Ministry of Labor told how to form your pension rights in a timely manner.

Now any clinic providing emergency care or long-term treatment, as well as local doctors coming to your home for an examination, will definitely ask you to present a passport and medical insurance. This is a document issued by an insurance company to receive medical services free of charge.

To make it convenient, comfortable and practical, it was decided to improve the existing document. Further in the article we will learn in more detail what a new plastic compulsory medical insurance policy card is, the place where it can be obtained and who has the right to take advantage of such an innovation.

When and why did the release of a new compulsory medical insurance policy begin?

The issue of compulsory health insurance has always been relevant, and in order to receive free help it was necessary to take out an insurance policy. Control over this was previously assigned to employers, student organizations, school and preschool institutions.

In 2011, the system for introducing compulsory insurance for citizens began to transform and, in order to unify and regulate the process of issuing forms, they decided to issue a single perpetual compulsory medical insurance policy on blue paper.

It is issued on a sheet equal to A5 format and is valid throughout Russia, regardless of place of residence and registration. But, the use of paper insurance, unprotected from mechanical damage, is impractical.

But since 2020, medicine has been able to change its approach and found a solution to this problem. Now policyholders have begun to be issued an electronic compulsory medical insurance policy. It looks like a plastic card equipped with a chip, which contains all the information about its owner.

The essence of this decision is simple: everyone who, under mandatory conditions, was issued by insurance companies with policies that have a limited validity period, after its expiration, has the right to apply there in order to receive a new insurance with an electronic medium.

What does the new compulsory medical insurance policy look like?

The new compulsory medical insurance policy is in the format of a regular plastic card, similar to a bank card, which we use every day to manage our own funds.

Its single sample is decorated with the colors of the Russian tricolor, and on the front side there is the following information:

1. Image of the coat of arms of the Russian Federation;
2. Insurance system logo;
3. Chip and policy number;
4. SK name.

All personal information is indicated on the back side. Here is a photo, full name, date of birth and gender. You will be asked to sign. When looking at this form, you will definitely notice a hologram confirming the authenticity of the insurance.

There is also a telephone number of the fund that issued the document. The validity period of the compulsory medical insurance policy is 5 years. That is, after this time you will have to exchange the card again.

Difference from paper

New medicine with such insurance allows you to receive free treatment, defining the list of services available to the consumer. This means that when we go to clinics, medical institutions, hospitals in our country, we have the right to service, assistance, and provision of certain medications.

Not all regions are yet ready to accept the modern system and take advantage of it. Thus, the lack of complete data about your company can seriously complicate treatment and provoke additional difficulties. But the new policy has a number of differences from the old one.

1. Size . The small format allows you to receive a plastic card and store it in a wallet or passport cover, which is more convenient for the owner. When the paper version was not allowed to be laminated or folded crosswise, it required special handling.
2. Material . The electronic compulsory medical insurance policy has a plastic base and is practically not subject to mechanical or physical influences. Paper insurance is easy to wrinkle.
3. Data security . The new compulsory medical insurance program provides protection from the use of services by other persons, since the citizen’s personal information is now printed on the card, as well as a photo is posted. Such insignia and chips make it possible to create a unified information base of policyholders.

Is it possible to find out your personal account?

There are situations in life when you don’t have a pension insurance card at hand, but you need to immediately find out a unique identification code.

It turns out that you can get a pension certificate number in various ways : by contacting the Pension Fund or through the state website. services by indicating personal data.

But the second option is only available if the registration stage has already been completed earlier.

Where to get a plastic compulsory health insurance card

The compulsory medical insurance system extends throughout the Russian Federation, therefore all citizens can protect their lives. This means that the working population, pensioners, students and schoolchildren, and even newly born babies and the unemployed can count on protecting their health.

There are several ways to receive a card:

1. Protective organization (SC) . Having brought the old-style insurance, a paper form, you will replace it with plastic without wasting time and effort. The operator will have access to your series and compulsory medical insurance policy number using a single database. There he will see your personal data.
2. MFC . The multifunctional system for the provision of state and municipal services will accept your documents. You need to register an application and within 14 days, an SMS about the completed service will be sent to the specified number. https://www.mos.ru/pgu/ru/md/
3. Branch office of the compulsory health insurance fund . New medicine allows you to contact this organization and issue insurance within 10 days.
4. State Services Portal . You can apply for compulsory medical insurance policy online. To do this, you need to fill out the form electronically, enter all the necessary information and select a pickup point that is geographically close to you. https://gosuslugi.help/polis-oms.html

Insurance companies

Compulsory medical insurance allows you to choose your own insurance company. This means that if you are not satisfied with the quality of the services provided, then replacing the insurance agent is possible once a year.

There are many companies working in the field of insurance of citizens, here are some of them:

1. "VTB Medical Insurance"
2. "Spassky Gate -M";
3. "Ingosstrakh-M";
4. "RGS Medicine";
5. Uralsib;
6. “Consent -M”, etc.

The list may be endless, but they are all suitable for protection. The rating of their popularity changes depending on the requests of insured citizens, but these are huge companies and it will be more convenient to get a new type of policy here.

Certificate of Insurance for Military

If military personnel, in parallel with their service, or after its completion, are engaged in any type of official paid activity, then they are subject to official insurance fees to the Pension Fund.

All data on the number of accrued and paid insurance premiums, as well as the period of work after service, are displayed in the individual invoice.

Upon retirement, according to age (sixty years for men and fifty-five years for women), insurance contributions determine the appropriate share of the pension benefit.

Registration of a new electronic policy

The new compulsory medical insurance policy, as you already understand, looks like a plastic card. But what is important is not the appearance of the insurance, but how it is issued and the list of documents required in the future.

You will be asked to present:

1. Passport of a citizen of the Russian Federation;
2. An application filled out on the form of the insurance company engaged in protection;
3. When applying for a new type of insurance for a child under 14 years of age, metrics (birth certificate) are required.

In 2020, you can protect yourself and get a card within 30 days. During this time, the policyholder is given a temporary certificate, which replaces the card, but it also contains the number and series, as well as personal data.

So, if during the allotted time to prepare the card you will have to receive help or treatment, be in a hospital, buy medications, or consult a doctor, then feel free to use temporary insurance.

When filling out the application, write down the phone number to contact the operator. Compulsory medical insurance policies are usually changed quickly, no more than 11 days. But try to control the whole process yourself and don’t wait for someone to call you; for these purposes, take the operator’s number.

Pros and cons of new policies

We told you how to replace compulsory medical insurance by last name with a new plastic format, but how to use such a document? The opportunities that a plastic card provides have not yet been fully implemented in many regions and therefore there is a possibility that you will not receive proper treatment and the required services for free. The table shows some of the pros and cons of both types of protection.

Both insurances have equal legal force and are not subject to any differences in medical care.

Why do you need SNILS?

Thanks to the achievement of interdepartmental agreements using a unique code affixed to the pension certificate, you can receive:

• work. One of the main responsibilities of the employer is to issue SNILS to the employee and transfer information about him to the Pension Fund;
• pension. The calculation of insurance premiums and the calculation of the pension amount is based on the data accumulated for a specific identification number;
• information, that is, find out what current information exists about the account status and savings;
• privileges;
• maternal capital;
• services in medical, pension and social systems;
• education. The mandatory requirement to indicate an identification number when taking the State Exam and the Unified State Exam is unlawful; however, to gain access to the results of the unified state exam. The exam is possible only if you have a code. In addition, educational institutions have the right to require information about the numerical name as additional documents;
• services. Registration on the government services website, which requires the use of an identification code, gives the right to access the portal;
• universal electronic card. If a citizen wants to become the owner of a UEC, which simultaneously acts as a means of payment and an identifier, then he will also need a personal account number: it is indicated on the reverse side;
• international passport through the government services website;
• registration of real estate in Rosreestr; credit.
  When applying for a loan, a bank employee asks for a copy of the insurance certificate. Why do banks ask for SNILS?
• That is why all groups of the population – employed, unemployed, children and the elderly – should register with the Pension Fund.

Moscow and region

Compulsory medical insurance points allow you to obtain a policy. And this is allowed both during the initial application and for other reasons. :

• When changing personal data . Marriage, a different place of residence, a first name or patronymic necessarily contributes to the new (re-) entry of information;
• Incorrectly entered information . When applying for insurance, the operator made an inaccuracy that requires it to be replaced;
• If it is lost . There are many reasons for such an accident. But, if a loss occurs, write an application for restoration;
• Indecent condition . If you understand that the document is damaged and in obscene condition, it must be replaced.

Places for obtaining compulsory medical insurance policies in Moscow are mainly associated with the addresses of insurance companies.

In the Moscow region, it’s easier to apply for and find out if a compulsory medical insurance policy is ready at MFC branches, at addresses such as:

• Shchelkovo, st. Svirskaya, 2 A;
• Orekhovo-Zuevo, st. Lenina, 96 A;
• Lyubertsy, Oktyabrsky Avenue, 190;
• Balashikha, st. Sovetskaya, 4.

Fraud

There are known cases of fraud associated with the fact that dishonest people turn to people with a request to immediately transfer the insurance part of their pension to a non-state pension fund.

If such a requirement is satisfied , then the accumulations may disappear in an unknown direction.

You need to be careful and study the history of the fund, as well as check the documents with its representative and not trust your insurance card and identification number to strangers.

Some banks and private pension funds, in an effort to obtain insurance savings, can manipulate the minds of people, forcing them to transfer money to their organizations.

Can fraudsters, knowing the insurance certificate number, apply for a loan or credit? This is impossible to do in honest financial institutions.

Where is the number and series located on the policy?

For the insurance organization where the cards are issued, there is no difference between citizens and their status. This means that an unemployed or retired person, a school student or an ordinary worker has the right to use the services of the compulsory medical insurance policy on an equal basis. Therefore, the appearance of the card is uniform. Only insurance issued for a child under 14 years old is eligible for the exception.

In the case of a child's card, the child's photo is not posted. On the front side of the card there is a series and number of the compulsory medical insurance policy in the form of a 16-digit code. Due to the chip on which the information is stored, the devices quickly recognize the data and identify the owner of the insurance. So, if you lose a card after replacing it from paper to plastic, you can use the number to restore all the data and the card itself.

What is the validity period of the new compulsory medical insurance policy?

Early replacement is made only in the event of a change in information or in case of loss. How to restore the compulsory medical insurance policy in this case? Report the incident to your insurance company, take your passport and write a statement. There they will quickly help you restore the document.

The new insurance format has limitations, which means its usefulness will extend for no more than 5 years. You can determine the expiration date of your card by looking at the back of it. When the specified period begins to come to an end, a replacement is required.

The replacement process will not take much time, since the list of documents will not change. All you need to do is write an application and wait for a new card within 1 month.

By paying compulsory medical insurance contributions to the employer, we have the right to independently choose the institution where we are ready to receive services, the insurer, and even between types of insurance. Everyone can independently determine which of them is convenient, and the order of further actions will depend only on your decision.

What is SNILS?

An insurance certificate of state pension insurance, or SSGPS, is a document issued to a citizen who has registered in the PF system.

It is in this document that, in addition to general information about the owner, the SNILS number is written down, which is also a personal account intended for the accumulation of mandatory insurance contributions for the entire period of a person’s working activity.

A pension certificate is a carrier of information that is required by the employer to register an employee and submit data about him to the Pension Fund. Registration of employees, transmission of information and payment of insurance premiums is an obligation prescribed by state laws.

SNILS abbreviation is the insurance number of an individual personal account. In essence, a unique identification code of the owner’s personal data, or a digital personal identifier, which is assigned for the purpose of accounting for the payment and accumulation of pension contributions, for service in government agencies, as well as for receiving benefits.

Simply put, this unique code is the pension certificate number.

Based on the above, it becomes clear that a pension certificate and SNILS are different concepts, combined for the purpose of registering a citizen in the Pension Fund and the electronic database, as well as to determine the amount of the insurance pension. The certificate is a visual representation and carrier of an identification personal account.