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 of 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 health 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;
- in 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.
So, your long-awaited baby was born. Besides your love and affection, he needs to get documents, which will confirm his citizenship, rights and obligations.
One of these documents is which guarantees provision of timely and high-quality medical care every citizen of the Russian Federation.
You need to get a policy as quickly as possible, in order to be sure that medical services for the baby will be provided at the proper level and without payment.
In this article we will tell you in detail about all the intricacies, what documents you need to collect, and also answer frequently asked questions regarding obtaining a policy.
What documents are required to obtain a compulsory medical insurance policy for a newborn?
Before obtaining a policy, it is mandatory register the child at the registry office, receiving a birth certificate. Next - registration of the child at the place of residence or stay. Only then can you receive a compulsory medical insurance policy.
The insurance company or company you you can choose based on personal preferences.
For example, you can be registered with one company or another and take out a policy for a newborn in the same company, or choose a company whose office is located in your or a nearby area.
Documents required to receive compulsory medical insurance policy (CHI) for a newborn:
- birth certificate child;
- passport mother or father;
You can and should take out a policy within 3 months from the birth of the child. To do this, it is necessary to have the original birth certificate and the original passport of the mother or father of the child, registered at the place where the compulsory health insurance policy is provided.
Temporary compulsory medical insurance policy: validity period
While the permanent policy is being prepared, you will be given a temporary one. It gives the right to receive timely medical care free of charge, just like a permanent one.
The temporary compulsory medical insurance policy is valid within thirty working calendar days.
How much do you get for the policy?
Registration of a permanent compulsory medical insurance policy usually takes 30 days.
Where do you get the policy?
The compulsory medical insurance policy is obtained from the company you contacted for its registration.
How to get a compulsory medical insurance policy?
When the day of receiving the compulsory medical insurance policy arrives, it must be pick it up yourself. If such a possibility is not foreseen, then this can be done person with power of attorney to receive a policy.
Documents you will need to pick up the policy:
- birth certificate child;
- your passport;
Documents required by a person who will replace you upon receipt of the policy:
- passport;
- power of attorney, allowing the receipt of a compulsory health insurance policy for a newborn;
- application for, which you were given after submitting an application for a compulsory medical insurance policy for a newborn.
FAQ
Question. My husband and I are residents of St. Petersburg, but we have been living in Arkhangelsk for four years now, where we have a permanent job. Just a week ago, our daughter was born in one of the Arkhangelsk maternity hospitals. Where can I get a compulsory medical insurance policy for a newborn? Who to contact?
Answer. Based on the new law, parents can obtain a compulsory compulsory medical insurance policy for a newborn not only at the place of formal registration at the place of residence, but also at the place of stay. In your case, you can submit an application to the insurance company in Arkhangelsk, providing the necessary documents (passport of the father or mother and the child’s birth certificate).
Question. My husband and I are citizens of Ukraine. But we have been living in Moscow for several years. The birth will take place, accordingly, in Moscow. Is it possible to apply for a compulsory medical insurance policy for a newborn child?
Answer. Yes, there is such a possibility. Contact the insurance company at your place of residence, having with you the necessary documents: a birth certificate, as well as a document that confirms the right to reside in the Russian Federation on a permanent basis.
Question. I am a citizen of the Russian Federation, my husband is a citizen of another country. What documents need to be provided in order to apply for a compulsory medical insurance policy?
Answer. Required documents: 1) birth certificate indicating Russian citizenship; 2) a document that confirms the identity of the child’s parent.
Question. After the birth of the child, I plan to go to my grandmother in the village with the child. How will medical care be provided there under the insurance policy for newborns?
Answer. After making the exact decision to leave, tell your pediatrician about your plans, as well as the address of your future residence. Then the doctor himself will decide how the child will be examined.
At the local medical center, children are cared for by a midwife or nurse until they reach the first year of life. In the first month, the examination is carried out by a local pediatrician.
If you do not leave information about your future place of residence in your maternity hospital, then be sure to correct this or contact the obstetrician of the local medical center.
Question. Having a compulsory medical insurance policy, is it possible to treat children with anomalies?
Answer. Yes, of course you can. Treatment of children with developmental defects is carried out at the expense of the Compulsory Medical Insurance Fund. To get the necessary help, contact the clinic where you are registered, your local pediatrician, who will draw up a list of necessary tests and studies for you.
Both adults and children need it. Without a compulsory medical insurance policy, it is difficult to count on receiving medical services.
So, as you can see, getting a policy is an easy procedure with a minimum of documents. The only thing you need to stock up on while waiting for your compulsory medical insurance policy is this is patience since any insurance company has a first-come, first-served basis.
Video: how compulsory medical insurance is issued for newborns.
Read more:
10 comments
The compulsory medical insurance policy, of course, guarantees the child to receive timely emergency medical care, but this care is not always of high quality. Therefore, increasingly, parents of children with serious problems are forced to turn to private clinics. And they are helped financially in this by simple people with a kind heart, who are not indifferent to the misfortune of others.
Every citizen of the Russian Federation has certain rights and obligations. He has been acquiring them since birth. However, a newborn child who was recently born does not yet have any documents. It takes time to complete them.
One of the main documents that every newborn baby should have is a compulsory medical insurance policy. All worries when obtaining a policy fall on the shoulders of the parents.
How to get a medical insurance policy? What documents are needed for this? And what procedures need to be completed before you start processing it?
You can learn about all these issues of interest from this article.
What is it needed for?
The compulsory medical insurance policy makes it possible to receive medical care in any clinic, and you can also undergo treatment not only in the hospital at your place of residence, but also in the one in which it is most convenient.
Having a medical insurance policy in hand, no medical institution has the right to refuse assistance to a newborn. You can receive free of charge those services that are prescribed by law.
What needs to be done before registration?
As soon as a newborn child is discharged from the maternity hospital, a few days later a local doctor comes to his place of registration. It is he who assigns him to the clinic after examining and studying his documents.
List of documents to receive
The company where the newborn will be insured can be absolutely anyone. I usually choose the one that is close to the place of registration or where the parents themselves are insured. In this case, the choice may be different.
The insurance company will require the following documents:
- A completed special form;
- Provided birth certificate of the baby;
- Passport of one of the parents.
Production time
The medical policy will be ready within 30 days. In replacement, they receive a temporary compulsory medical insurance policy. The functions of such a policy are the same as those of a permanent one. You can receive medical care and baby food completely free of charge.
The temporary certificate is marked with a date, and when it arrives it is necessary to obtain a permanent policy.
Receipt procedure
On the day when you need to pick up the policy, you need to have all the same documents as when submitting (passport and birth certificate). But it may happen that the parents cannot pick up the policy; do not despair; any trusted person can do this. Such a person must have with him:
- Passport proving his identity;
- A power of attorney by which he can obtain a policy;
- Application received during the submission of documents and with the help of it you can obtain a policy.
Parents are not limited in time to obtain the policy. But to ensure that the newborn does not have problems with medical care, you should take care of this in advance. The procedure for applying for a compulsory health insurance policy itself will not take much time; the most unpleasant thing is standing in line when submitting documents.
In the first days of life, you should insure your child. And this will be helped by compulsory medical insurance and professional supervision of medical workers.
For the first thirty days of his life, the child receives health care through his mother's insurance. During this period, you should think about how to register and open access to medical services, consultations with a pediatrician, medical examinations of your health, vaccinations for infants, etc. 
You shouldn’t put off applying for a compulsory medical insurance policy for a newborn for too long. Supervision by specialists is important for both newborns and mothers. A baby needs a policy as a guarantee of timely and high-quality medical care.
Types and features of compulsory medical insurance policy
Insurers provide the opportunity to obtain a policy in three forms:
- A standard document on A5 paper;
- Plastic version of the card, with personal data and photo of the newborn;
- Universal Electronic Card (UEC), containing all the baby’s data.
In addition to the information on compulsory medical insurance, the insurance policy includes:
- SNILS;
- Registration;
- Registration at the Civil Registry Office;
- Registration of benefits.
This convenient service will allow you to solve all registration problems in one place.
Are all children entitled to general health insurance?
The law regulates the rights of a newborn child to have an insurance policy.
Can get insurance (regardless of age):
- Citizens of Russia;
- Non-citizens who arrived in the Russian Federation and have temporary registration or a residence permit;
- Registered refugees.
That is, parents officially residing in Russia can take out a policy for their baby regardless of citizenship. At the same time, the cost of insurance and the services provided are the same for everyone.
The question often arises whether it is possible to obtain a compulsory medical insurance policy without registration or residence permit. And not only for those who came to another city or country. This situation can happen when changing an apartment or replacing a passport.
In these and other similar cases, a temporary compulsory medical insurance policy is issued for the newborn and it remains until the child receives all the necessary medical insurance documents. Its validity period is thirty days.
When do you need to take out a policy for an infant?
The policy must be issued within thirty days. For now, he is covered by his mother's insurance. Any parent can do this.
Other people are also allowed to take out a medical policy with the same restrictions. They must be the child’s guardians and they can conclude an agreement on compulsory health insurance on an equal basis with the parents.
How to get a compulsory medical insurance policy for a newborn child
The actual registration of a compulsory medical insurance policy for a newborn should be done at one of the insurance organizations.
These include:
- Insurance Company. The most important selection criteria:
- Experience in the insurance industry;
- Developed infrastructure;
- 24/7 support and consultation;
- System for protecting the rights of insurers;
- Think about how to get compulsory medical insurance from a company that has an agreement with the clinic where you plan to treat a newborn.
- Multifunctional Center. Significantly simplifies obtaining documents. Here they will give information about the IC.
- Specialized item.
- There are no differences in what documents a child needs to obtain insurance policies.
Documents to be received
All places to obtain a policy for a newborn accept the same list of documents:
- Statement of the established form;
- Birth details;
- Information from parents or guardians;
- SNILS (if available, but not required).
This is all that is needed to obtain an insurance policy. This can be done later.
Receiving SNILS
It is not necessary to have SNILS to obtain a policy. However, its presence is necessary not only for retirement, as many believe. The Insurance Number of the Individual Personal Account is a mandatory document for a child’s participation in government social programs.
Among them:
- Receiving preferential and free medicines;
- Registration on the government services website;
- Social payments (for disabled children, needy and large families);
- Register for maternity capital.
When the baby grows up, SNILS will be needed to enroll in kindergarten and receive other benefits and social services. To obtain a SNILS insurance number, you will need to be present in person and it should be issued at the pension fund.
Time limits
Unlike other documents, for compulsory medical insurance there are no time restrictions for its preparation. The recommended period for insurance coverage for an infant is one month. This is due to the end of the mother’s insurance covering the baby by this time.
After this time, no fines will follow. However, the long registration period may make it difficult to use government-provided health services.
The process for obtaining insurance may vary from company to company. But that doesn't really matter anymore. Since immediately after the application, a temporary policy is issued. By the end of its validity, the main compulsory medical insurance document will be ready.
Where to get a compulsory medical insurance policy for a newborn child
Obtaining a compulsory medical insurance policy for a newborn baby will have to be done in person by coming to the company’s office. Take this into account when choosing an insurance company and the place where you decide to get an insurance contract and you will have to get a policy for your child there. Based on this, it is recommended to contact organizations that are closest to home. This is both convenient and does not take much time.
Some companies, like RESO MED, offer a list of necessary services that a baby may need not only in the first days and weeks of life. You can not only obtain compulsory medical insurance through the MFC, but also prepare the entire package of documents required at birth.
Is it possible online
New technologies that have come to us via the Internet provide ample opportunities to conclude a baby insurance agreement online. To obtain insurance, there is an official portal of State Services. The official websites of insurance companies have also included this option among their services.
The list of documents is no different from submitting an application in person. The only difference is that a scanned copy of them is sent. You will also need to indicate in what form you want to have the document: paper, plastic card or UEC. Don’t forget that you will have to pick up the document yourself.
How to restore compulsory medical insurance after loss
If your insurance policy is lost, you will have to pay for all medical treatment yourself. A lost insurance policy can be restored free of charge.
To do this, you will need the same list of documents as during the initial conclusion of the contract. The application will be accepted for consideration on the day of application and a temporary policy will be issued for a period of thirty days. By this time the main document will be restored.
After registering the child and issuing a birth certificate, you must obtain a compulsory medical insurance policy for the newborn. It is required to receive free care in many medical institutions in Russia. Federal Law No. 326 of 2010 “On compulsory health insurance in the Russian Federation” indicates that newborns must also obtain this certificate.
Why and who needs a compulsory medical insurance policy for newborns?
- This allows you to provide your baby with the necessary medical care in a timely manner, even in the absence of funds;
- This reduces the property costs of parents. Providing medical services on a paid basis will be expensive.
Paperwork
Only after the baby receives the first official documents that can be used as identification, and after completing the process of registration in an apartment or house, parents can go for an insurance policy. Remember, for 3 months from birth, all medical services are provided without insurance; you just need to present a birth certificate. After 3 months, this right disappears. Therefore, it is not recommended to delay the execution of the document.
To apply for compulsory medical insurance you must:
- To the Insurance Agency at the place of registration of the baby or his parents. The agency's coordinates can be found in a nearby public clinic or you can choose a company at your own discretion;
- At a special delivery point. They are located near some hospitals.
Compulsory medical insurance policy is issued upon registration of parents. In most cases, mom and dad do not have time to register the child, but the absence of such a link between the compulsory medical insurance and the place of residence makes the entire registration process easier. A certificate on a permanent or temporary basis is issued in accordance with the type of registration - permanent or temporary residence. The policy is temporary and also based on registration at the location of the newborn. Registration is a mandatory requirement taken into account when receiving an insurance document.
List of documentation
In order to apply for compulsory medical insurance for a child, you will need to collect the following documentation:
- Birth certificate. This is the first official document confirming the baby’s identity. It is obtained from the registry office within one month after birth;
- Statement. It must be written in accordance with the sample. It must be obtained from a clinic or insurance company;
- Russian passport of the parent. It is required to confirm registration. A prerequisite is that registration must confirm membership in the relevant compulsory medical insurance section.
If a grandmother, aunt or other relatives are involved in issuing a policy for a child, then a general power of attorney is required to register the child as the Policyholder. This person is required to present an identification document (passport).
Registration of the policy lasts 30 days. The insurance company issues a temporary document for the child. It confirms that a permanent certificate is currently being prepared. It must also be used to receive free medical services. The validity period is 30 days.
Services under children's policy
There is no division into children's or adult compulsory medical insurance policies. They do not differ from each other in appearance, nor in the period of validity, nor in the services provided. The internal composition of the insurance certificate is also the same: full name, date of birth, gender.
Services included in compulsory medical insurance for a newborn:
- Free medical care: a set of necessary vaccinations and examinations;
- A baby under one year old needs to undergo a number of activities at the clinic. In accordance with the terms of compulsory medical insurance, they are provided free of charge.
Some private clinics provide some free services on the basis of compulsory medical insurance. To do this, you need to get a referral from the district hospital.
Obtaining a certificate for foreigners
It is a little more difficult to obtain compulsory medical insurance for parents who do not have registration in Russia. To do this, you will need to collect a list of additional documents:
- Passport of one of the parents;
- A petition from the clinic to which the baby is attached, or from the neonatal protection authorities.
Registration of compulsory health insurance by citizens of another country is even more difficult. To do this, you also need to collect a list of documentation:
- Passport of one parent;
- Certificate that the parents are registered in the country;
- SNILS (if available).
Medical insurance for children is issued for an indefinite period. It can only be changed if amendments are made to the full name or date of birth. Changing the insurance organization in which registration takes place and which provides access to services is allowed only once per calendar year. Parents may also request a change in attending physician. To do this, you need to draw up an application and send it to the head of the medical institution.
FAQ
Question: My husband and I are citizens of the Russian Federation, residents of Moscow, but we have been living and working in Kazan for 3 years! Where can I apply for child insurance? At your place of residence or permanent place of work?
Answer: In accordance with the current legislation of the Russian Federation, parents can apply for compulsory medical insurance for their child not at the place of official registration, but also at the place of temporary residence. Therefore, you can submit an application for registration in the city of Arkhangelsk. To do this, you will need an application, a passport of one parent, and a child’s birth certificate.
Question: My husband and I are not citizens of Russia, but we have been living and working in Moscow for 3 years, and the birth of our child will also take place here. Is it possible to apply for compulsory medical insurance for a baby in Moscow?
Answer: Yes it is possible. To do this, you will need to submit an application to the insurance company at your place of residence. You must take the following documents with you: a child’s certificate, a certificate confirming the right to reside in the territory of the Russian Federation.
Question: I have Russian citizenship, but my husband has foreign citizenship. Is it possible to obtain an insurance certificate, and what documents then need to be provided to obtain compulsory medical insurance for a child?
Answer: The document can be drawn up. To do this, you must present: a birth certificate, which indicates the Russian citizenship of the child and an official document confirming the identity of the mother.
Question: I am a citizen of the Russian Federation, but my wife is a citizen of another state. The child has Russian citizenship. What documents are required to obtain compulsory medical insurance?
Answer: The insurance agency will need to present the baby’s birth certificate and a document confirming the identity of the parent.
Question: After the birth of a child, we want to move from Moscow to the Tula region. Where can I get an insurance certificate, and can we count on free treatment for the child?
Answer: After you finally make a decision, you need to inform your doctor about this, and he also needs to indicate the address of your future place of residence. He will independently decide in what order the examination will be carried out and how the baby will be insured.
At local medical centers, patronage is provided by a midwife until the child reaches one year of age. If you did not have time to leave information about the new place of residence to the attending physician, then correct this. To do this, just contact the obstetrician at the medical center.
Question: Does compulsory medical insurance cover the treatment of a child with congenital diseases?
Answer: Yes, it is distributed. Treatment with defects is carried out at the expense of the Compulsory Medical Insurance Fund. To do this, you need to write an application to the clinic where you are geographically affiliated. The local pediatrician will help you draw up a list of tests that need to be completed and documents.
Results
In conclusion, let us highlight a few main points:
- A compulsory medical insurance policy for a newborn must be issued after three months from the date of birth. The certificate is issued for an indefinite period and can be replaced only in specific cases;
- A document for adults is no different from a document for children. Naturally, depending on age, different services will be provided, but no more;
- Citizens of another country and persons who do not have registration in the Russian Federation can apply for compulsory medical insurance for children.
Video on the topic
