How to get a medical insurance policy for a newborn. Compulsory medical insurance policy for newborns
In this article we will consider not only the question of where to get a policy for a newborn, but also important points about the timing and nuances of the compulsory medical insurance for the child itself, which you need to know.
The policy is required to receive free medical care throughout the Russian Federation. The child will be able to receive medical care regardless of where he is registered, however, the amount of this assistance may differ depending on the region in which the policy was received and the region of actual residence.
How long does it take to complete this document?
It is required to apply for compulsory medical insurance within 3 months from the date of birth - this is exactly the information that the Internet provides us with. Almost all sites that talk about the timing of receiving compulsory medical insurance indicate this exact period, but at the same time, all websites of insurance companies indicate:
Compulsory medical insurance for children from the date of birth until the expiration of thirty days from the date of state registration of birth is carried out by a medical insurance organization in which their mothers or other legal representatives are insured. After thirty days from the date of state registration of the child’s birth and until he reaches the age of majority or until he acquires full legal capacity, compulsory health insurance is provided by an insurance medical organization chosen by one of his parents or other legal representative.
And here there is already a specific source in the form of the federal law of November 29, 2010 N 326-FZ “On compulsory health insurance in the Russian Federation.”
It was not possible to determine where the 3-month period was taken from, if anyone knows, write in the comments.
Should I take out a policy based on registration, registration or actual place of residence?
The Internet, as always, gives us conflicting information about whether it is possible to issue a policy for a newborn without registration. Somewhere they write that registration of a policy is possible only with the registration of the parents, somewhere they write that registration does not matter. Information about registration at the actual place of residence is also ambiguous, whether it is required for compulsory medical insurance or not. Let's find out where the truth is.
We personally called 3 of the largest insurance companies to clarify this issue. Everywhere they said that you can apply for it in another city, registration is not required, but when clarifying what volume of medical care can be received, it was said that the policy is attached to the actual place of residence and when applying you can count on the full scope of medical care in the region , where the policy was issued.
In another region, you can only count on emergency care, but if, when moving to another region, you need a full amount of medical care, then it will be necessary to reassign it to your new actual place of residence. The insurance company hotline operators were also asked about the need to confirm registration at the actual place of residence, to which they were told: “Registration is not required, the actual place of residence is determined from your words.”
Recorded from the words of insurance company employees.
I have personal experience on this matter. We received a policy for our first child in St. Petersburg, and at the age of three months we underwent various procedures in a children's clinic in the Volgograd region. The clinic workers grumbled that our policy was not local, but they provided services in the form of a warming course and several visits to the doctor.
Personal experience with compulsory medical insurance for an adult confirms that if you live in the region for a long time, you will need to take out insurance in the region at your actual place of residence in order to receive the full scope of medical care. Registration or registration for an adult is not required. It was in Sochi.
Where is the policy issued?
- in the MFC;
- at an insurance company;
- in the clinic.
Documents for registration
- Child's birth certificate.
- Application according to the established form (to be completed on site).
- Russian passport of one of the parents.
- SNILS if available. There are rumors that they wanted to pass a law that SNILS would become mandatory when taking out a policy, but so far there is no exact data that this law has come into force and for now SNILS is provided only if available, but it is better to clarify this point by calling the insurance company.
Usually within 30 days you will be given a completed policy; While it is being manufactured, you are given a temporary one.
Who can receive
You can receive a completed policy in person, or another person can receive it for you by proxy. Practice confirms this. One of the children’s mother (grandmother) received the policy while our family was in another city.
The birth of a child in Russia is accompanied not only by joy, but also by a small headache for parents. After all, they have to deal with the preparation of some documents for the baby. Otherwise, life in the country will be significantly difficult for the child. For example, it is important to take out a compulsory medical insurance policy for a newborn. Where can I get it? How to do it? Why do you need a health insurance policy for your baby? Each person can find answers to all of the above questions below. With proper preparation, the procedure for drawing up the mentioned document does not cause any particular trouble.
Application deadlines
How to get a compulsory medical insurance policy for a child? It is necessary to contact the registration authorities to implement the task. But how fast? Are there any time limits on this?
By law no. Parents can contact special institutions at any time to apply for health insurance policies for their children. And for myself too. But experts advise making this document in the first month of a newborn’s life. Without a compulsory medical insurance policy, a child will not be able to receive medical care free of charge.
Why is it needed?
What is this document for? Is it that important for newborns? 
As already mentioned, without a compulsory medical insurance policy a person will not be able to receive free medical care. Also, newborns will not be vaccinated at the clinic, and they will be denied a free examination by a pediatrician. In addition, the baby cannot be assigned to a specific clinic. But such restrictions begin to apply from the moment the child turns 3 months old. Until then, you can do without a policy - the newborn is required to be examined and admitted to the clinic for free.
It follows that parents who are counting on free medical care need to think about where to get a compulsory medical insurance policy for a newborn. If you plan to treat and examine your child only for a fee, then you can get by with a VHI policy.
Before completing the document
The operation being studied requires little preliminary preparation. Do you need a compulsory medical insurance policy for a newborn? Where can I get it in this or that case? It's actually not that difficult to do. But first, parents must complete other important papers. 
Which ones exactly? Before receiving the policy, you will be required to obtain a child’s birth certificate. The baby will also have to be registered with one of the parents. Experts say that recently, before receiving a compulsory medical insurance policy, it is necessary to order and receive a SNILS for the baby. Only after this will it be possible to bring the idea to life without any problems.
Where to go for help
Do you need a compulsory medical insurance policy for a newborn? Where can I get it?
Today in Russia, compulsory health insurance policies are issued by a variety of insurance companies. They must be participants in the compulsory medical insurance system. In each city there are insurance companies where you can issue compulsory health insurance policies.
For example:
- "RGS-medicine";
- "MAX-M";
- "Sogaz-Med".
This is not an exhaustive list of insurance companies. In fact, there are many more of them. From now on it is clear where to get a compulsory medical insurance policy for a newborn. But how exactly to do this?
Procedure
Everything is quite easy and simple. How to get a compulsory medical insurance policy for a child? Step-by-step instructions will help with this. 
She looks like this:
- Decide on a company that will offer insurance services.
- Prepare a certain package of documents for registration of a compulsory medical insurance policy.
- Submit your application and documents to the insurance company.
- Pick up your medical insurance at the appointed time.
It would seem that there is nothing difficult about this. Only parents will have to take into account some features of the process. They will be discussed below.
The role of registration
Do you need a compulsory medical insurance policy for a newborn? It’s clear where to get it. Does registration play any role in solving the problem?
Yes. The legislation of the Russian Federation indicates that citizens must receive health insurance policies at the place of their registration/registration. Otherwise, the insurance company has the right to refuse to provide the service. This means that you really need to worry about registering a newborn in advance.
To register a child, you need to contact the passport office at the place of residence of one of the parents. You need to bring with you:
- passport of the parent with whom the baby will be registered;
- the consent of the second legal representative for registration is not with him;
- arrival sheet (issued at the passport office);
- application (drawn up on site).
Within a few days you will be able to pick up your registration certificate. During its registration, the baby’s birth certificate will be taken away. It will be returned when the certificate of registration of the newborn is issued. 
Documents for the policy
What documents are needed to apply for a policy for a newborn? The list depends on the citizenship of the baby. If we are talking about citizens of the Russian Federation, then you will need:
- passport of the applicant parent;
- statement;
- birth certificate;
- insert with citizenship (if available);
- SNILS;
- certificate of registration of the baby.
Foreign citizens are additionally required to:
- migration card;
- the parent’s civil passport and birth certificate translated into Russian;
- documents with registration of the legal representatives of the newborn.
This concludes the list of papers. Nothing else is needed. Some people doubt whether SNILS is needed to obtain a compulsory medical insurance policy in Russia. What can you say about this? 
SNILS and policy
The procedure for obtaining a medical insurance policy is already known. Does the child really need SNILS to complete the paper being studied? Or can you do without an insurance certificate?
Recent changes in Russia have led to the fact that it is now mandatory to provide SNILS when applying for all medical policies. This rule applies not only to adults, but also to children.
The insurance certificate is issued by the Pension Fund of Russia. It requires the following documents:
- an application completed by one of the parents;
- baby's birth certificate;
- passport of the legal representative.
It is advisable to register the baby with one of the parents at the time of registration of SNILS. You must take the certificate in the prescribed form with you. It may be required by Pension Fund employees.
After submitting your application
It is now clear how a compulsory medical insurance policy is issued for a newborn. Where to get it is also not a mystery. For security reasons, it is recommended not to fill out this paper with agents outside the official offices of the insurance company. Otherwise, there is a risk of acquiring a counterfeit document.
What happens after submitting an application for a policy for a child? The parent will be given a temporary insurance policy for the newborn. Its validity cannot exceed 30 days. During this time, the permanent document will be ready. If this does not happen, then after a month you can again contact the insurance company for a temporary policy.
As soon as the original document is ready, you can come and get it. Either parent can do this.
Validity
We already know the documents for issuing a policy for a newborn. There aren't that many of them. With preliminary preparation, the procedure for obtaining this paper will not cause any difficulties. 
For what period is the compulsory medical insurance policy issued? It all depends on which category of the population the child belongs to. Today in Russia the following rules apply:
- permanently residing in Russia - indefinitely;
- for refugees - for the period specified in the documents received;
- for people without citizenship and temporarily staying in the country - for the period allowed for residence in Russia.
You will only need to replace your current compulsory medical insurance policy if your child’s details have changed. Or in case of loss/theft/damage to valid paper.
Conclusion
We learned where and how to get a health insurance policy. Even a citizen with little understanding of bureaucracy can do this.
A medical policy is on the list of primary and important documents for children. Therefore, it is recommended to issue it as soon as possible.
Do you need a compulsory medical insurance policy for a newborn? Where to get it, parents decide for themselves. The main thing to remember is that this service is provided only by insurance companies participating in the compulsory medical insurance program.
- fill out an application. Application form
- present your passport.
- power of attorney
company office.
Preparation of a compulsory medical insurance policy takes 45 working days. For this period, the child will be issued temporary certificate
Validity temporary certificate is 45 working days.
Compulsory medical insurance for children from the date of birth until the expiration of thirty days from the date of state registration is carried out by a medical insurance organization in which their mothers or other legal representatives are insured.
After thirty days from the date of state registration of the child’s birth (after receiving a birth certificate) and until he reaches the age of majority, or after he acquires full legal capacity, compulsory health insurance is provided by a medical insurance organization chosen by one of his parents or other legal representative.
To obtain a compulsory medical insurance policy for a child, his legal representative (parent, guardian, trustee) must:
- fill out an application. You can print the application form from our website or receive it at any office of our company. Do not forget to indicate your information as the child’s legal representative;
- present the child’s birth certificate (for a child over 14 years old - a passport) and his SNILS (for a child from 0 to 14 years old, SNILS if available);
- present your passport.
If a compulsory medical insurance policy is issued by a grandmother, grandfather or other relatives, then you must additionally present:
- power of attorney for registration as an insured person in the selected medical insurance organization and an identification document of the representative.
You can submit an application at a company office convenient for you.
Preparation of a compulsory medical insurance policy takes 30 working days. For this period, the child will be issued temporary certificate, confirming the registration of the policy and certifying the right to free medical care for the child.
Validity temporary certificate is 30 working days.
When the compulsory medical insurance policy is ready, VTB Medical Insurance will notify you about this by email or phone number you specified in the application.
You can also find out about the readiness of your compulsory medical insurance policy by calling the Hotline 8 800 100 800 5.
Newborn children, along with adults, become participants in the program, which is implemented throughout the country.
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What is it and what is it for?
A health insurance policy is a document that serves as the basis for providing a person with free medical services throughout the entire state, regardless of the place of registration of the person.
A certificate of health insurance is issued after concluding an agreement with an insurance company. The data displayed on the medical certificate must fully correspond to the data submitted by the person to the insurance company.
Medical policy represents:
If this document is available, the person has reason to get help medical organizations of the following categories:
- Emergency medical care;
- Outpatient;
- Dental;
- Dispensary.
Medical services are provided free of charge to a person regardless from his permanent place of registration.
In accordance with the legal act on health insurance, one of the categories of persons who must have a medical certificate of insurance are children.
For newborn babies The insurance certificate is a fairly important document that parents should immediately take care of obtaining.
Without this document a newborn won't be able to free of charge:
- Be assigned to a children's clinic;
- If necessary, receive medical care provided by ambulance;
- Observe with a local therapist, and also have the opportunity to call a specialist at home.
You can obtain a certificate of health insurance during three months from the moment of his birth.
Generally, within 30 days of the date of birth, medical expenses for the newborn will be covered by the mother's insurance document. However, after this period, medical services may require the provision of a personal certificate of insurance for the baby and refuse to provide free medical care.
Collection of documents
To obtain a baby insurance certificate need to get documents:
- . They receive it from the registry office or MFC. To receive it, please submit:
- a certificate from the medical organization where the baby was born;
- passports of both parents (or mother);
- certificate that the marriage was registered in the prescribed manner.
- A certificate stating that the child has been registered at the place of residence;
Directly to the insurance service introduce themselves:
- Birth certificate of the baby;
- Identification document of the parent.
In case of submitting documents representative, in addition to the above information, the package is accompanied by:
- Representative's passport;
- A power of attorney, certified by a notary in the prescribed manner, reflecting the right of the representative to submit information to obtain an insurance policy.
Design rules
The procedure for obtaining a policy for newborn children does not differ from the procedure for obtaining a certificate for adults, except for one feature: employers do not provide insurance for children.
The organs to which you can contact for insurance are:
Insurance Company parents or legal representatives are chosen independently. As a rule, insurance is carried out in the fund in which one of the parents is insured. If for some reason this fund is not suitable, you can choose an insurance company on the website of the Federal Compulsory Health Insurance Fund. It lists all the companies that provide insurance to individuals throughout Russia.
After the choice of the policyholder is made, you must visit the website of the insurance service and make an appointment. When making an appointment, you must select the day of the appointment, time, and also indicate your contact information.
On the day of your appointment, you must come with documents and, before filling out an application for services, consult about the procedure, as well as the services that will be available after completion of the process. Next, you need to submit documents and appear on the day specified by the fund representative.
If it is not possible to submit documents in person, you can send documents by mail. To do this, you need to download an application form from the insurer’s official website, fill it out and certify it with a notarized signature. After this, you should send the documents by registered mail with a list of all documents.
Multifunctional centers, located in every city throughout the country, also provide health insurance services. In order to formalize the receipt of a document using the MFC, you must come with a package on the reception day. An employee of the center will provide consultation on the insurance services available in the region and issue an application form. After filling it out, you will need to attach documents that will be registered. An employee of the center will inform you of the date when you can pick up the document.
You can get health insurance without leaving your home with the help of Internet portal "State Services". To do this, go to the portal and log into the user account. After this, in the “Category of Services” tab, select “Obtaining a medical policy.” The page will display fields that must be filled in, then the service will offer to add photographs of documents. After this, an application for obtaining a policy will be generated.
Documents are checked and a policy is issued on the basis of the Law on Compulsory Insurance by Organizations within a month.
After submitting documents, mandatory release is subject to temporary compulsory health insurance policy. This certificate represents a document giving the right to receive the same categories of free care provided by medical institutions as a regular policy, only its validity is limited to one month from the date of receipt.
The registration procedure at the place of residence of a newborn is a mandatory procedure that parents must carry out before submitting documents for insurance.
Child registration carried out by bodies:
Regardless of which body will carry out the registration, the parents represent following information:
- Identification documents of the parents (one of the parents);
- Child's birth certificate;
- A certificate confirming the marriage in the prescribed manner;
- Statement of no objections to the registration of the child at the place of registration of the other parent.
It is important to know that if one of the parents is not the owner of the residential premises, the procedure for registering a newborn will be carried out regardless of the owner’s wishes. Registration of a newborn separately from its parents is not permitted.
The procedure for obtaining an insurance policy is described in the following video:
Policy Compulsory health insurance is a system that allows you to receive most medical services free of charge in any region. It works as follows: every month everyone who works in the Russian Federation makes contributions to the Compulsory Health Insurance Fund. These funds go to medical insurance organizations operating in the compulsory medical insurance system. And they already pay for the work of employees of clinics, hospitals, dispensaries and other medical organizations - according to the number of patients served and services provided to them.
In order to receive medical services free of charge, you must confirm that you are in the compulsory medical insurance system. This can be done by presenting a compulsory medical insurance policy.
">compulsory health insurance (CHI) is a document confirming your right to free medical care in public medical institutions throughout Russia.2. How to apply for a compulsory medical insurance policy?
To apply for a compulsory medical insurance policy you will need:
- passport or temporary identity card if you are changing it;
- individual personal account insurance number (SNILS).
If you are taking out a policy for a child, you will need:
- application (filled out at the appointment);
- child's birth certificate;
- a document confirming that you can represent the interests of the child: your passport, an act of the guardianship and trusteeship authority appointing a guardian or trustee, a court decision, and so on;
- SNILS number of the child (for children under 14 years old - if available, for children over 14 years old - mandatory).
If your representative will submit the documents, you will additionally need:
- representative's passport or temporary identity card, if he changes it;
- power of attorney for insurance in the selected organization.
Compulsory medical insurance policy can also be issued To apply for a compulsory medical insurance policy, a foreigner will need:
- application (filled out at the appointment);
- a passport of a foreign citizen or another document recognized in the Russian Federation as identifying a foreign citizen in accordance with an international treaty;
- a residence permit for permanent residents of Russia or a note on a temporary residence permit in the Russian Federation in the passport of a foreign citizen or in another identity document for temporary residents of Russia;
- SNILS (if available).
- application (filled out at the appointment);
- a document recognized in the Russian Federation as identifying a stateless person in accordance with an international treaty, or a document issued in the Russian Federation to a stateless person who does not have identification documents;
- a residence permit for permanent residents of Russia or a note on a temporary residence permit in the Russian Federation in an identity document for temporary residents of Russia;
- SNILS (if available).
- application (filled out at the appointment);
- one of the following documents: a refugee certificate, a certificate of consideration of an application for refugee recognition, a copy of the complaint against the decision to deprive refugee status to the Federal Migration Service with a note on acceptance for consideration, a certificate of temporary asylum on the territory of the Russian Federation.
You can submit documents to a medical insurance organization from the register of the Moscow City Compulsory Medical Insurance Fund. Citizens of the Russian Federation registered in Moscow (both adults and children), who have never previously received a compulsory medical insurance policy, can apply for a policy both at the insurance company and at any public service center, regardless of the region of registration.
Please note: before registering the birth of a child and for 30 days after that, medical insurance for the child is provided by the same insurance company that insures his mother or other legal representative. After this period, one of the parents or another legal representative may choose another insurance company for the child.
The compulsory medical insurance policy will be ready within 30 working days after registration of the application and documents submitted by you. During this time, on the day of your application, you will be given a temporary policy, which you can use as usual.
3. How to change or restore your compulsory medical insurance policy?
If you are satisfied with your insurance company, you need to change your compulsory medical insurance policy or issue a duplicate in cases where:
- you changed your place of residence, full name or other data in your identity document - within a month;
- you have discovered an inaccuracy in the personal data specified in the document;
- you have an old-style compulsory health insurance policy (green A4 sheet or plastic card), but you want a new document (blue A5 sheet or three-color plastic card);
- you have spoiled or lost your compulsory medical insurance policy.
To replace or obtain a duplicate policy, you will need the same documents as for the initial registration. If your personal data, place of residence has changed, or inaccuracies have been discovered in the issued compulsory medical insurance policy, you will also need documents confirming this.
You need to contact your insurance company. IN
If you want to change your insurer, you need to apply for a new policy from the organization you like. But please note that, as a general rule, you can change your insurance company no more than once a year. If you have changed your place of residence or your insurance company has ceased operations, you can do so more often. However, from November 1 to December 31, applications to change the insurance company are not accepted.
Within 30 days after registration of your submitted application and documents, you will be issued a new sample compulsory medical insurance policy (old sample policies are no longer issued). During this time, you will be given a temporary policy, which you can use as usual.
4. Is it possible to apply for a compulsory medical insurance policy online?
Adult users of the Official Website of the Moscow Mayor who have a full (confirmed) account and who have SNILS indicated in their personal account can submit documents for registration (replacement, restoration) of a compulsory medical insurance policy online.
To apply for (replace, restore) a compulsory medical insurance policy online, you will need:
- scanned copy of an identity document;
- Black and white photograph 320x400 pixels in size, up to 5 MB in format: JPG, JPEG, JPE.">photography(when ordering a compulsory medical insurance policy in the form of a plastic card with electronic media)
- A scanned copy of the signature in black and white, 160x736 pixels in size, up to 5 MB in size in the following formats: JPG, JPEG, JPE. The size of a handwritten signature should not exceed 10x46 mm.">scanned copy of the signature(when ordering a compulsory medical insurance policy in the form of a plastic card with electronic media);
- compulsory medical insurance policy number (if available).
After you submit the documents, a temporary certificate will be available for download in your personal account. The compulsory medical insurance policy itself will be ready within 30 days after registration of the submitted documents. You will be able to receive it at your chosen point for issuing policies of a medical insurance organization or at a government services center (depending on which method of receipt you specify when submitting documents).
5. How to check if my compulsory medical insurance policy is valid?
6. What medical services can be obtained free of charge under the compulsory medical insurance policy?
Under the compulsory medical insurance policy throughout Russia (regardless of where it is issued), you can receive free Medical services are provided in medical organizations participating in the implementation of territorial compulsory medical insurance programs to the extent established by the basic compulsory health insurance program.