Basic program of compulsory health insurance in 2011

It is necessary to know and understand the basic principles that the basic program of compulsory medical insurance implements in practice:

· Guarantee of free medical care

· The amount of CHI contributions is determined by the state

· Equality of all subjects and participants of the compulsory medical insurance

· Availability and quality of medical care for all insured persons

The insured persons can be citizens of the Russian Federation, refugees and foreign citizens. The insured are employers. Notaries, lawyers and private entrepreneurs pay fees for themselves. For non-working citizens, the insured is the executive body of the subject of the federation. The insurer of health insurance is a federal fund.   And all together are subjects of medical insurance.

Insured persons have the right to choose an insurance medical organization and institution, change it once a year at will and necessarily when moving to a new place of residence, choose a doctor, receive information on the services provided, receive compensation for damage in the event of erroneous actions or inaction of doctors.

When applying to a medical institution for medical assistance, a person must present the MHI policy. Always inform about all changes to your insurance organization, change of name, place of residence, medical institution. For the children, the insurance organization is chosen by the parents.

The rights and obligations of policyholders are regulated by the basic program of compulsory medical insurance, which provides information on registration and removal from the register in connection with the termination of the policyholder's activity, full payment or indebtedness on CHI contributions.

The basic program of compulsory medical insurance is unified and operates throughout the country. It turns out that the first medical aid, preventive and first aid. Specialized medical care is provided for many surgical, therapeutic diseases, in traumas and infectious diseases, for children and women during pregnancy and childbirth. Exceptions include tuberculosis, HIV infection, sexual infections, mental illness.

The Ministry of Health is developing a basic program of compulsory health insurance , which is approved by the government. Insurance premiums paid by the insured go to the accounts of territorial funds -2% and to the federal fund -1,1%, where they accumulate and are used in the process of rendering medical services.

Insurance medical organizations monitor the volume, quality, timing of assistance to insured persons, protecting their interests. In addition, they conduct reception of insured citizens, provide them with information on the list of medical services provided under the MLA. Conclude contracts with polyclinics and hospitals and issue insurance policies to employers. Employees at the enterprise when applying for a job take a policy from their employer and return it upon dismissal. If the policy is lost, the employee is given a duplicate for a certain fee, and the old policy is canceled.

Since 2011, the policy of a single sample has been introduced. The health insurance system in the Russian Federation guarantees the necessary medical care on a free basis to all citizens and non-citizens of the Russian Federation residing on its territory. But a few practical tips people need to remember in order to minimize the emergence of conflict or controversial situations in their lives:

1. There are many excellent literate professionals and medical institutions, know how to make your choice correctly.

2. In case of problems when communicating with the attending physician, always contact the department head or deputy head doctor. Chief physician for medical work, to resolve all issues.

3. If you violate your rights to free medical care, contact the insurance organization in writing to protect your interests.

4. In case of doubt about the legitimacy of payment for medical services, specify the list in your insurance company.

5. When paying for medical services, keep the contract, checks, in order to present them at the insurance company in order to obtain a refund.

6. Address all questions to hospital managers, experts of insurance companies and specialists of the territorial fund of CHI.