MI policy for the newborn: where to get and how to register

At the time of the appearance of the baby, he immediately falls under the close attention of physicians. In order to continue this way, parents must insure their child as soon as possible. And this is not a whim, but a requirement of the law of the Russian Federation. Everyone living in the territory of the Russian Federation must receive medical assistance. And for free. For this, there is compulsory health insurance. Making an OMS policy for a newborn is not an easy task, and you will not have to spend much time. And here's how to do it, we'll tell you in our article.

The policy is necessary to the kid

In the first couple of months of a child's life, he is still inseparable from his mother in documents. Therefore, all the necessary medical procedures for him are supported by its policy. But later it will be very difficult and expensive for you to communicate with the doctors if you fail to get the OMS policy on the newborn on time. If timely arrange insurance, you can qualify for special baby food (dairy), as well as the provision of free medicines if necessary.

Some mothers shy away from the program of obligatory medical insurance, arguing that the whole family is voluntarily insured under the VHI policy and this is quite enough. However, such arguments can not withstand any criticism. Despite the fact that a voluntary policy provides a much larger range of medical services and, perhaps, provides better and more expensive treatment, it has one drawback, which on closer examination outweighs all the advantages. The point is that in the current difficult conditions no one can guarantee you that by the time of the insured event, your insurance company will still exist.

If this happens, then your sick child risks and does not need to be provided with the necessary medical care. In extreme cases, you have to pay for the treatment yourself.

So voluntary insurance does not in any way cancel the MHI policy for a newborn, rather it complements it.

Rights of mother and child

Correctly and timely issued insurance gives the baby the right to receive timely and free medical care in any state clinic of the Russian Federation. So if you went to visit your grandmother on the other side of the country and suddenly got sick, you can be sure your baby will not be left without help. But whether it will be paid or not, depends on whether your baby has a MI policy for a newborn.

In addition, in the presence of compulsory medical insurance, children under the age of 3 years are entitled to use free medicines in accordance with the instructions of the attending physician. Without OMC, such is impossible.

Mom should know that even without the presence of an insurance document during the first three months of a child's life, he is obliged to provide all necessary medical services on a free basis. But during this time, the document still needs to be formalized.

Where to go

To formalize the policy, parents should apply to any insurance organization. If you do not know how to approach her choice, you can take a little advice. In the first months of your baby's life, decide on a polyclinic in which you are going to be serviced further.

It does not have to be the nearest institution to the house - it is likely that you will like the pediatrician who takes it at the other end of the city, and you will want to heal only with him, despite the difficulties with the road.

When you have decided with a doctor and a medical institution, ask the staff of the particular UK they have a contract with, and go there safely. In this case, you are guaranteed there will be no difficulties. By the way, if you suddenly want to change the chosen UK to another, you can freely and free of charge do it once a year.

How to prepare documents

In order to obtain a newborn MHI policy, documents must be prepared in advance. This is due to the fact that the baby has not issued any papers yet and the matter may drag on.

First of all, you need to write out a birth certificate for a baby. It is very easy to do this. To do this, you need to contact the local registry office and submit an extract from the maternity hospital and the parents' passport. It is necessary to be in time for a month from the moment of birth.

When the certificate is received, the child must be registered, that is, register at the address of the parents (or one of them, if they do not live together). For this you need to go to the passport office. Lack of registration with the child is an administrative offense and entails a fine or a warning.

Now you need to go to the Pension Fund of the Russian Federation and submit documents for the design of SNILS. This point, although not mandatory, but should not be neglected. SNILS will need you in the future.

Here, in fact, and all the documents for obtaining the MHI policy for a newborn:

• Passport of one of the parents (the one with whom the baby is prescribed);
• birth certificate;
• Application form filled in the prescribed form;
• SnilS.

Although for the whole running around with papers by law is given for three whole months, it's not worth delaying with the design.

Timing

When all the documents for the MHI policy to the newborn are collected, go to the insurance company. The employee of the UK will check everything and give you a temporary certificate. It operates for 30 days and completely replaces a permanent policy. It was done so that the baby did not suffer from bureaucratic delays and received free medical care already from the moment of the parents' appeal to the insurance. A month later, the child will be issued a permanent document, which will be in effect throughout life.

There is one nuance. If the child (and also his parents) has only temporary registration, then the insurance will be issued only for the period of its validity. The policy will automatically be renewed together with the extension of the registration period.

How to order OMI insurance remotely?

Many young parents are very interested in the question: "Is it possible to receive the OMS policy to a newborn remotely, through electronic services or mail?"

Unfortunately, technical progress, although it went far, but the issuance of an insurance document of the OMC is not remotely provided for by Russian law. The matter is that for reception of such document you should undersign in a special magazine, after all these forms concern a category of strict reporting.

But you can even use mail services for filing documents. To do this, it is sufficient to send to the selected SC a notarized copy of the required documents and a completed questionnaire.

Many insurance companies have their own websites and offer to fill out the application online, and documents to scan. You can do so, but you still have to appear personally to receive the policy.

In some regions of the country, the formation of the MHI policy can be carried out using the website of state services. It is only necessary to fill out the electronic application form, and all other documents will be received as a result of interaction between various departments.

What will happen if you do not arrange insurance

Probably, you already understood that the MHI policy for a newborn is very important. Without this document, you will be served free of charge only by emergency doctors. Without OMC, it will not be possible to register with a polyclinic, and there can be no question of a free hospital.

A few days spent on the correct execution of documents, certainly not worth your child's health. Risk in this case is absolutely not justified, so it's better to arrange insurance faster.

How to recover a document

If you lost or spoiled the MHI policy for a newborn, and also when the personal data of the baby changed, the document should be replaced. It is not difficult to do this. It is necessary to apply to the same UK where he was discharged, and to declare the loss of the document or change of personal data. The employee will record the information and give you a temporary policy. A month later you will receive a new document with all the changes.