All citizens of the Russian Federation must have an insurance policy. For workers in enterprises, they were issued at workplaces. Pensioners and unemployed citizens could get an insurance policy in the clinic. Now the situation has changed a bit. This is primarily due to the reform of the introduction of a universal electronic card. But this process is not fast, so there is no reason to worry.
Replacing a
medical insurance
policy provides an opportunity to choose a company where you would like to be served. The introduction of a new type of document does not cancel previously existing policies. In Russia, both options are equally competent. The services that are provided to citizens do not depend on the type of document, but on the list that a particular insurance company provides.
Replacement of the medical insurance policy is provided for when changing the name or changing the place of residence. Today, anyone can change the insurance company. This is done no later than November 1, but only once a year. If you are not satisfied with the service in your clinic, you can change the company. The introduction of plastic cards will make medical services uniform, regardless of place of residence. When you are in another city on the territory of Russia, you have the right to demand the same services as the residents of this settlement.
Early replacement of a medical insurance policy is not required. Documents issued earlier are valid. But if you want to get an electronic card, you must contact your insurance company. True, they may not have new designs. Therefore, you will have to wait until they appear, or move to another organization. Perhaps new policies are available there.
Replacing a medical insurance policy involves the introduction of an electronic card on which all information about the owner will be located. In the future, it is planned to use it to create a medical record, which can be viewed via the Internet. The entire medical history and a full list of services provided will be located here.
The tourist insurance policy provides medical assistance when traveling outside of Russia. Some countries refuse to host people and do not provide a visa if you do not have insurance. You can get such a policy through the Internet or at a travel company.
When traveling abroad, read the conditions that apply to you on the basis of insurance. Also pay attention to whether the company is accredited in the country where you plan to travel. In addition to the standard set of services that are specified in the insurance policy, additional items can be issued. They may include not only medical aspects, but also purely human risk areas. For example, being late for an airplane or inability to make a trip due to some external circumstances.
Insurance is necessary for tourists to feel more relaxed in a foreign country.