Calculation of non-working citizens for health insurance. How to get a policy of compulsory health insurance (OMS) unemployed

The government decided to change the formula for calculating regional contributions to the mandatory medustal of non-working citizens. This will lead to a significant increase in expenses of Moscow and St. Petersburg, found out RBC

Photo: Alexey Pavlishak / Tass

The government proposed to change the calculation of the facility facility for compulsory medical insurance (OMS) for 80 million non-working Russians. The relevant bill was introduced to the State Duma on September 29, together with the draft budget of the OMS Federal Fund for the coming three years. The amendments to the methodology - the first in seven years - will lead to an increase in the budget expenditures of Moscow, St. Petersburg, Moscow and Leningrad regions by almost 70 billion rubles. Compared to 2018. Contributions to the system of OMS for non-working (children, students, pensioners, unemployed) make the authorities of the regions.

Moscow and St. Petersburg will pay twice as much

The regional contribution to the vascularization of one non-working under the law is defined as a product of the basic, common fare of 18,865 rubles, the differentiation coefficient (individual for each region) and the coefficient of the cost of medical services (one for the whole country is determined annually by the FFOMS budget). The government decided to revise the differentiation coefficient, which has not changed since 2012, and take into account the settlement of salaries in the region and the average salary in the country. "The proposed approach will allow to take into account the peculiarities of the regions in which the salary is higher than the average for the Russian Federation,<...>"- Leningrad region, Moscow region, Moscow, St. Petersburg, referred to in an explanatory note to the project.

Now for these regions, the differentiation coefficient is the same - 0.3333. As a result of the amendments for Moscow, it will be increased to 0.8196 (almost 2.5 times), for St. Petersburg - up to 0.5965 (1.8 times), for the Moscow region - up to 0.52 (1.6 times ) And for the Leningrad region - to 0.4365 (1.3 times). In addition, the coefficient of higher prices for medical services for 2019 will be indexed to the forecast inflation rate (4.3%) and, accordingly, will increase from 1.073 to 1.119, follows from the FFOMS budget project.

As a result, the rate of contributions for OMS based on one non-working citizen will increase for Moscow from the current 6.75 thousand to 17.3 thousand rubles. (that is, more than 2.5 times), for St. Petersburg - from 6.75 thousand to 12.6 thousand rubles, for the Moscow region - from 6.75 thousand to 11 thousand rubles. And for the Leningrad region - from 6.75 thousand to 9.2 thousand rubles, follows from the calculations of RBC and confirmed by the document FFOMS. RBC sent a request to the Ministry of Health.

The tariff decreases only for one region

In addition to changing the methods, the government updated the so-called district coefficients to the salary, which will affect another 33 regions (Tyva, Tyumen region, Chelyabinsk region, Khanty-Mansi Autonomous Okrug, etc.). As a result, the differentiation coefficients decreased for 22 regions, most significantly - for the Tomsk region. And due to the coefficient of higher prices, the rate of medical services will increase for all regions, with the exception of the Tomsk region (minus 300 rubles).

Contributions to OMS for the non-working population - a constantly growing expenditure article of regional budgets. If in 2012 the contribution of all regions amounted to 299 billion rubles, then in 2018 it will reach 661 billion rubles. Regions are required to make a monthly payment for non-working in the territorial Fund of OMS. The significant amount of contributions "leads to a shortage of regional budgets for the financial support of the Government's programs for free medical care in terms of payment of medical care, not included in the OMS," said the Federation Council (* .pdf), and the Count Chamber indicated problems with the method of determining the number of insured non-working Citizens, which is why the amount of contributions to the OMS of the non-working population can be considered overestimated.

In 2019, the amount of contributions from the regions for non-working to increase to 719.3 billion rubles, and the entire growth will be provided by the budgets of Moscow, St. Petersburg, Moscow and Leningrad regions. So, the contribution of Moscow will increase from 34 billion rubles. In 2018 to 68.9 billion rubles, the Moscow region - from 24.5 billion to 44.6 billion rubles, St. Petersburg - from 17.7 billion to 30.6 billion rubles, Leningrad region - from 5.4 billion up to 6.6 billion rubles.

Expendable obligations could grow even more if not a change in the method of personalized accounting for the OMS adopted by last summer. First, from the register of the insured, military personnel and their persons equal to them were excluded, secondly, the number of non-working population is now determined on January 1, and not on April 1. As a result, the number of non-working citizens, on the basis of which the amount of contributions is calculated, decreased by almost 5 million people: if on April 1, 2017 it was 85 million people (the previous budget of the FFOMS), then on January 1, 2018 - about 80 million (current project budget). Including about 8 million non-working (10% of the All-Russian indicator) are registered in Moscow and the Moscow region.

Liberation of regions?

Vice Prime Minister Tatiana Golikova earlier with a proposal to free the regions from the payment of insurance premiums for the non-working population and transfer these costs to the federal budget. "Payment for the non-working population, the consolidated payment of the whole in Russia has already begun to exceed the subsidy that the federal budget is given to the leveling of the level of budget security gives, that is, actually goes through the regional budget to the Budget of the OMS Foundation," she said at the end of May 2018 . In the spring of 2017, it estimated the total amount of such payments in 7% of the expenditure part of regional budgets.

First Deputy Prime Minister and Finance Minister Anton Siluanov in June that the Ministry of Finance agrees to free regional budgets from the obligation to pay contributions to the FOMS for some categories of non-working citizens (children, pensioners). "This is a significant amount of resources - about 500 billion rubles. In order to provide a balance between the regions transferred to the obligations to implement those national objectives that are delivered for the upcoming period by the President, we are ready to pick up these powers to the federal level and free up the necessary resources for the subjects of the Russian Federation, "said Siluanov.

However, the FFOMS budget for 2019-2021 is formed subject to the preservation of the responsibility of the regions to pay contributions to the OMS non-working population. Moreover, the "special order" of changes in force is offered, so that the regions can pay for non-working on a new methodology since 2019, follows from an explanatory note. RBC sent a request to the Golikova Secretariat and the Ministry of Finance of Russia and received conflicting responses. In the Secretariat, the Vice-Prime Minister did not confirm the plans for the liberation of regions from contributions for non-working, responding: "Now another solution is being discussed." "This question [transmission of powers to the federal level] is still discussed," reported in the Ministry of Finance.

With participation: Polina Star

Moscow, 13 Apr - Prime, Natalia Karna. The state will gradually reduce participation in the medical insurance system, therefore the likelihood is that the unemployed Russians that have no benefits will still have to independently pay the policy of compulsory health insurance (OMS). True, they will not be alone in this - to one degree or another, pay for medicine is among the world, both poor and rich. Even in countries where health care is fully paid from the budget, citizens because of the long periods of waiting have to go be treated abroad on a fee basis.

The mechanism of paid OMS will be implemented, only the ambulance services will remain free.

Opinions of experts and society about the idea to oblige the unemployed completely or partially pay the policies (OMS) are diametrically diverged. Some believe that the state and working citizens really should not bear the cost of treating the unemployed, others are confident that the innovation of "raw" and in the claimed form looks antisocially, violating the rights of Russian citizens to medical care.

Currently, 146.5 million Russians are insured in the OMS system, of which, according to different estimates, do not pay contributions to the social funds (including the FOMS) of about 8-12 million people. There are self-employed, the situation is ambiguous. Lawyers, leading private practice, notaries, arbitration managers and entrepreneurs often pay contributions independently. Categories such as nanny, nurses and tutors do it far from always.

What is included in the OMS

To understand why this topic causes such a stormy resonance, you need to know how the OMS system works. Now almost every citizen of the Russian Federation has the right to medical care, but not "free", as many people think, but only in the policy of the OMS. Polis is issued for free, and money for the maintenance of medical infrastructure and payment of medical care provided through insurance medical organizations from the OMS Foundation, where employers' contributions are listed for their employees. Means for the treatment of unemployed are sent from regional budgets.

The OMS provides almost the entire average of medical care, said the Vice-President of the All-Russian Union of Insurers (WSR), President of the Interregional Union of Medical Insurers Dmitry Kuznetsov. "Recently, many types of high-tech aid has been immersed in the system, the" ambulance ", the treatment of cancer, which were previously paid from budgetary funds. Thanks to this person who was brought to the" ambulance "will make an emergency operation, the necessary technique is always in Prepare. Significantly reduced the timing of medical care, "he noted.

Undoubtedly the system needs to be improved. This applies to the specificization of the program and the role of the participants of the system.

Voluntary insurance

In parallel, there is a voluntary health insurance system (DMS), when the wishing himself buys a policy from the insurance company, valid in the selected medical institutions. According to DMS programs, almost all major insurers work. The amount of services depends on the price of the policy and the amount of insurance coverage - some include dentistry using the most modern materials and technologies, prosthetics, long-term treatment of serious diseases, rehabilitation (including outside the Russian Federation). There are policies according to certain types of diseases. Prices of policies start from one and a half thousand rubles a year, but this is the minimum program. Also, the PMD policy can be obtained "for free" if the insurance takes your company within the framework of corporate media.

"DMS compared to OMS is less regulated, built on the basis of classical insurance market mechanisms and fully proved its consistency. It offers more service, freedom of choice, faster access to specialists. For the income of the DMS, it is already comparable to the CTP and at the same time leading on the smallest number. Complaints from customers of insurance companies, "said Kuznetsov. This suggests that the insurer is interested in the rapid and high-quality medical care, otherwise he risks losing the client. Suppliers of medical services are also interested in order to be chosen for insurance medicine, so they have to improve the quality, he added.

According to the expert, in the perspective of Russia, it is necessary to move even more towards the insurance model with a system similar to the DMS. But emergency help should be free. It is also necessary to maintain a network of government agencies. To date, the share of private suppliers of medical services is about 30% and this is quite a sufficient figure.

FOREIGN EXPERIENCE

The Russian media system can safely be called unique, as unique and any other insurance system. Each country takes the basis of one of the schemes and is based on its own model, taking into account the mentality, the level of development of the economy, the income of citizens and many other parameters.

Currently, two basic fundamentally different health care systems can be distinguished - state and insurance. Mainly the state insurance system in the UK. In many ways it is built on the example of a model former in the USSR. The main part of the funds comes from the state budget and is distributed from top to bottom on the managerial vertical. Centralized financing allows you to provide quality and restrain the increase in the cost of treatment. However, the possibility of choosing a doctor or medical institution is limited, and the time limits of the study may be infinite.

"In England, it is reasonably proud of their" medicine equal opportunities ", created after the war. However, long-term waiting for many diagnostic and medical procedures do not allow it ideal. As you know, for" medical tourism "citizens of different countries choose Germany, USA or Israel - countries With insurance models of health financing, "Kuznetsov said.

Insurance system with different state regulation works in such European countries as Germany, France, Holland, Austria, Belgium, Switzerland, some states of Latin America and Japan. Financing is carried out in three channels: insurance premiums from an employer or payment from the income of entrepreneurs, earnings workers - deductions from wages and means of the state budget.

Each country has its own nuances. "France is satisfied with its OMS system, but at the same time 90% of the country has a PMC policy, since their OMS system contains harsh restrictions on the set of included services (such specialists, as, for example, the oculist are derived from the OMS) and somewhat less perfect than Our insurers are several funds divided by a vocational basis, "the expert told.

A special subspecies of the insurance system is private - in the USA. There, Medstrashovka is a voluntary business of citizens, often it is completely or partially paid by the employer. There are no state regulation in this area, and more than 80% of the population is covered by private floral. The state programs work for the poor, but they are difficult to get them, and they are not covered by everything. The system was trying to improve the ex-president of the United States Barack Obama. His program Obamacare made an obligatory insurance. However, the new president - Donald Trump - Obamacare canceled, although there is no approved plan for its replacement.

"It's all about the mentality: if our citizens need to take care of them, because" they are all ", then the Americans are the opposite. They opposed the idea of \u200b\u200bObama about mandatory insurance - they will need to buy, then you will buy" - explained Kuznetsov.

Where is better poor

The insurance system allows you to get qualified medical care 80-90% of the population. The advantages of experts refer control over the quality of the provision of services by insurers, to consumers - that low-income citizens do not always have equal opportunities for treatment.

Of course, it all depends on the specifics of each particular country. The greatest amount of medical care for the state account - in developed European countries, as well as in Japan. So, in Italy for any operation in a private or state clinic, a person does not need to pay a single euro. However, completely free medicine is not almost anywhere. In the same China, where alternative medicine is also included in the OMS system, there are mandatory payments. For example, the patient or his relatives pay 10% of the hospital services.

In Israel, each insured in the system participates in co-financing (working payments percentage of wages, pensioners - percentage of old-age benefits, people with disabilities - a percentage of disability benefits), but the policy of the OMS implies even the provision of foreign assistance if necessary, told Kuznetsov . In Switzerland, insurance medicine implies significant payments from the population, but if you compare with our shadow payments, then the amounts are comparable. In the United States, even the "golden policy" acquired by a citizen covers only 90% of medical services. So supplementing with some probability is even the most secure.

What awaits unemployed

In this situation, sooner or later, the Russians, for which the employer does not deduct contributions, will have to be fully or partially to pay the policy of the OMS, experts are confident. "I think that sooner or later truly free medicine, as well as everywhere abroad, will remain only at the level of emergency medical care. The state will pay the policies for preferential categories of the population, and for the rest will pay the employer or the employee will have to buy the policy itself," - the director of the National Institute of Medical Law Julia Pavlova.

Director of the Organization of Health and Medical Management Department of Health of Moscow, David Melik-Huseynov, believes that the discussion of the topic will raise the acute questions to which society may be non-well. "Will it lead to the fact that the unemployed and self-employed will formally make up 0.25 bets and listed on the papers working? The effect for collecting taxes in favor of phomas will be minimal," he wrote on his page on the social network Facebook.

A flat scale of taxation will be called - all pay the same percentage, but in absolute terms, those who receive higher salaries may require special maintenance conditions, an expert notes. Thus, the reform of the insurance medicine system itself will continue, and the proportion of the state of state in it is greater likely to decline.

But the other day the relevant bill developed by the deputy Ildar Gilmutdinov was introduced to the State Duma, the Garant.Ru reports.

OMS guarantees protection

Free Medpolis today has almost every Russian, but do not everyone knows what organizations exist, which give these documents, notes the Legal Center "Man and Law".

Meanwhile, medical insurance companies operating in the mandatory health insurance system (OMS) can not only give out policies, but also to defend the interests of patients and help them in choosing the desired clinic and physician.

According to the CHI law, the insurance companies have quite large rights to protect the rights of patients: from full-time assistance in the conduct of conservimiums, the translation of the patient from one institution, where he cannot assist, to another, ending with penalties to negligent hospitals and clinics that violate Rights of insured citizens.

Of course, the owner of the policy is beneficial, but not all will be able to pay for such "protection" in case of introducing restrictions on free medical services, despite the fact that the amount of paid medical services in Russian health care is growing.

Unemployed by law

It is proposed to be excluded from the Federal Law "On Compulsory Medical Insurance in the Russian Federation", subparagraph, according to which citizens not working for the insured persons, with the exception of military personnel and equitable to them in organizing the provision of medical care persons.

At the same time, in the list of insured persons, it is planned to leave non-working minors, retirees, students of universities (student in full-time learning) registered in the employment bodies of the unemployed, parents who care for the child before reaching it for three years and able-bodied citizens engaged in disabled children, Disabled students of the group, persons who have reached the age of 80.

According to paragraph 5 of Article 10 of the Law on OMS, the following categories of non-working citizens include insured persons:

Children under 18;

Pensioners regardless of the foundation of the pension appointment;

Students of universities and psyche full-time learning;

Officially unemployed, registered in the employment service;

Parent or guardian busy care for a child under three years;

Able-bodied citizens engaged in the care of disabled children, disabled students, older people over 80 years old;

Other citizens who do not work under the employment contract, with the exception of military personnel and those equivalent to them.

Deputies offer to delete the last line from this list.

"Due to the presence of opportunities of working-age ages that do not work on the grounds that are not related to any restrictions for the implementation of work activities, the subjects of the Russian Federation are incurred by the burden on the budgets of the regions," emphasizes Ildar Gilmutdinov.

In the main directions of fiscal policy for 2015-2017, the Ministry of Finance led the initial cost of surcharge for such a policy: 18% of the tariff, which pays to the FMA funds for the non-working population of local budgets. In 2015, the amount will be 18,865 rubles, which means that it is necessary to surrender the order of 3.4 thousand with the further annual indexation, reported earlier, "Russian newspaper" reported.

5% salary goes to the OMS Foundation

Recall, from January 1, 2015, contributions to the federal compulsory medical insurance fund amount to 5.1% of the total amount of payments in favor of an individual. Insured in the medstation system are officially employed citizens, persons registered in the employment service, minor citizens, self-employed citizens (IP, private notaries), pensioners, students, disabled people. At the same time, the authorities found out the authorities in the fall of last year that about 22.5 million able-bodied Russians were not registered in the social insurance system and do not pay insurance premiums.

"We pay for TUNADETS treatment!"

Statistics are merciless: 41.5 million people working in Russia, and 29-30 million Russians work in the "gray" sector, and about 14 million more could work, but do not work.

It turns out that those who go to the service officially pay taxes and social contributions, actually "contain" the polysthess of "individuals", which do not consider it necessary to impose any social obligations.

It is clear that the employer pays for workers. For the inoperative population - local budgets. But part of people falls out of this scheme. Why do individual entrepreneurs who do not give part of their income into a common piggy bank, should we use the national benefits? " - said Popovich.

At the same time, in her opinion, the brief list of social groups named by the Ministry of Finance, which will remain free insurance, is far from full: "And what about students? They also do not work. And guardians who care for disabled people? And moms sitting with children up to three years? It is clear that the proposal requires elaboration and clarification, which categories of the state takes under its care. "

It is these considerations that the part of the population is guided by the adoption of this initiative.

Among them and the Minister of Labor of the Russian Federation Maxim Topilin: "Why is the budget of the subject transferring money to the fund of compulsory media for non-working people without assessing the situation? Among the brook, there are those who work, has income, but does not pay taxes and does not pay off into social funds, then why should they receive medical care at the expense of those who are also working, but does the obligatory payments do? ".

Glow of the people

User 77 of the popular Forum "Who for ..." on ykt.ru expressed the idea of \u200b\u200ba simple people with the words: "And very correctly. We divorced loafers for whom the rest you have to pay! I, by the way, I regularly pay all my life and continuing to do it on pensions, as an IP, never turned into medical facilities and did not use sanatorium-resort treatment. And even in recent years, work did not bother knocking on vacation, which had to be careful, was bad with financing. And I don't understand that some believe that they all owed everything. No nannies? "

Violation of constitutional rights?

The Introduction of Payment Polis CHA will violate the constitutional rights of Russians and causes the growth of social tensions, - commented on the Director of the Independent Monitoring Foundation Meduse and Human Health Protection, Edward Gavrilov in an interview with the Russian Gazette. - The right to free assistance is enshrined in the Constitution, and the introduction of payment not only will violate it, but also will turn part of our citizens in the people of the "second grade".

The president of the Patient League, Alexander Sabersky, also adheres to the same position: "There are changes in the Constitution of Russia for this bill. In her 41 article states that every citizen has the right to protect health and medical care. It turns out, then the unemployed must be either deprived of citizenship or the constitution to cancel, "he explained.

However, experts believe that the adoption of such a law will bring more problems than benefits. "We have free medicine, which is guaranteed by the Constitution to all citizens of the Russian Federation, is directly related to the OMS system," says the lawyer Oksana Vyazemsky. - In essence, only insured citizens have the right to medical care in the state units. The rest is assisted only in emergency cases when there is a direct threat to life. Therefore, it is not clear what will happen to people who refuse to pay for themselves insurance premiums, and I am sure that there will be a lot of such. They will not be treated at all, or what will they do with them? In addition, the adoption of such a law will create a legal precedent, when the state refuses part of its social obligations, guided by budget savings. Then it will be possible to drag the laws on raising the retirement age, an increase in the working day, paid health and education. "

In this article we will discuss the receipt of the policy of compulsory health insurance by a person who does not work at all, or works unofficially. In addition, we will look at how realistic the introduction of the bill, which will deprive the unemployed policy of the OMS. But first we will explain, it is the Polis of OMS.

The OMS policy is some paper, a certificate that guarantees you to receive absolutely free medical services in organizations that are accredited by the Russian Federation. In general, the policy of compulsory health insurance should be present at every citizen of the Russian Federation. As a rule, this document is issued through a company in which this citizen works. Students of universities, pensioners and those who are not officially employed, get the policy of the OMS themselves. Let us now consider the actions algorithm that will allow the unemployed to get the OMS policy.

How to get a policy of OMS unemployed?

In order to get an OMC policy to the unemployed, it is necessary to take a passport, ATP (insurance retirement Svid-W) and Svid-in Birth. As you know, the legislation of the Russian Federation allows you to choose the insurance organization yourself, which is most suitable for you. Do not be lazy, read information on the Internet and explore the mandatory health insurance market. This will help you choose the right insurance organization. It's easy to do this: you go to the official website of the Mandatory Medical Insurance Foundation, go to the "Territorial OMS Foundations" menu and click on the contour of the Russian Federation. Then you find your area on the map and click on it. If you are all right, then all addresses and phones you need to get the OMS of organizations should be displayed on the screen. We recruit the specified phone of the insurance company and learn from the operator when we can come to execute the CHI policy. Come at the appointed time, taking with me a document certifying the identity and ATP. If you make up a policy of a child who has not yet been fourteen years old, then capture more and svid-in about birth. You fill out the official paper that the employee of the insurance organization provides you. After you complete the necessary document, the employee of the organization must give you the so-called, temporary svid-in compulsory health insurance. This testimony will be valid until you give the OMS policy. That is, by this testimony you can get qualified medical care, if necessary. By the way, you have a choice of two options for the CHAM policy - classic paper or plastic. The carrier depends on your desire. Somewhere in three weeks or four weeks you can call the insurance organization - your policy will most likely be done. In theory, the insurance company should notify you that you need to pick up the policy, by email or by phone, but it happens not always. Here, in fact, the algorithm of actions for those who are unemployed and wants to get the Polis of OMS.

Unemployed deprived of OMS policies?

Now I will move to the future from the present time and try to answer the question, will the unemployed policy of compulsory health insurance? Indeed, the State Duma deputies are no longer the first year to offer such a bill that takes the possibility of free medicine from those who do not work or work, but not officially. Such an innovation is offered by the United States Party, namely from Ildar Gilmutdinov, who made these changes in the OMS for a general discussion. But in the Ministry of Health of the Russian Federation, they responded that if such a bill was adopted, he would hardly contradict the constitutional article at number 41, which states that every citizen of the Russian Federation can count on free medical care from the state. Yes, the MedPolis of the OMS is now almost every citizen of the Russian Federation, but not many can clearly answer, for what purpose the insurance companies are working, which these policies issue the population. And we will reply that insurance organizations that have the right to produce OMS policies have the option that implies the protection of customer rights, as well as assistance in choosing the necessary medical organization and specialists. If you read into the laws on compulsory medical insurance, it can be found that the scope of the influence of insurance organizations is large enough. Here and the translation of the client from one medical organization to another, and upholding the interests of the patient in violating its rights to medical institutions, and supporting medical consiliums and much more. All these functions are undoubtedly important for those who have an OMS policy. But they will not still be able to give for these, it seems to be mandatory, the options are their blood.

How to classify the unemployed?

But you agree to take away the right to free medicine at the unemployed, you must first determine who exactly suits this definition. After all, students and pensioners are also unemployed, but the policy of the OMS will be with them, to put it mildly, is incorrect. Supporters of the aforementioned innovation, want to remove from the Federal Law "On Mandatory Medical Insurance" item in which it is indicated that the insured person may not be officially. The exceptions are employees of the Russian army. Now we will consider who, according to deputies, should remain insured unemployed.

Mandatory Medical Insurance (OMS) is an important element of social protection of the population, providing the possibility of free receipt of medical services in accredited health care facilities.

If the policy is drawn up for a child under 18, you must additionally attach a copy of the passport of its legal representative.

Obtaining a temporary certificate

On the day of appeal, the insurer issues a temporary certificate, indicating that the OMS policy is in the design stage. A temporary document allows you to receive free medical care on the general reasons. The term of its action is 30 days (indicated on the letterhead).

Obtaining permanent policy of OMS

On the specified day, you need to visit the insurance company and pick up the finished policy of the OMS, the period of action of which is not limited.

Instructions for filling out the application

To get a medical insurance policy to the unemployed, it is necessary to make an application for the choice of an insurance organization. The unified form blank is filled from hand or using technical means. In the upper right corner, the name of a citizen submitting a statement is indicated.

Instructions for filling:

Section No. 1 - Data on the Insured Face

The name is indicated, the date and place of the birth of the insured person. Based on the identity document, the place of registration and the actual place of residence is made. It is indicated by citizenship, the SNILS number (if available) and contact information.

Section 2 - Data on the representative

Filled under the condition that the application is submitted to the consideration by the representative. Its full name and information about a person certifying the personality is made. Additionally, the attitude of the representative to the insured person is indicated.

Methods for submitting an application

The application with the package of documents for issuing a medical policy is submitted to the insurance organization chosen by the selected method:

1. Personally. It is necessary to contact the office of the selected company. The advantage - it will be assisted here in filling out the statement;
2. By mail. Blank and documents are sent by registered mail, an invention is necessarily attached;
3. Through the Internet. The application is sent on the official website of the Oms Territorial Fund or the State Service portal.

The Policy of the OMS allows working and unemployed citizens of the country to remain calm for their health, knowing that at any moment they can seek free medical help!

Legislative initiative to cancel OMS for unemployed persons

The unemployed citizens in the Russian Federation recognize working-born persons who are not employment and not receiving wages, but at the same time registered in the employment service to find suitable work.

Currently, on consideration in the State Duma, there is a bill from the deputy Ildar Gilmutdinova, providing for the impossibility of free to obtain a policy of OMS to non-working citizens.

The proposed innovations are reported to the deputies, will be rejected in the coming reading, if the edits will not be submitted. The reason is the contradiction of the content of the project of the current constitution, providing for the right of each Russian citizen to free medical assistance.

The lawyer will advise you in the comments to the article.