Replacement of the Oms vtb health insurance policy. Wtb medical insurance. Will the doctor of the selected institution be able to provide paid services during the free admission

From the moment of their birth, all residents of the country must have medical policy... This service is now provided by any insurance company. Certain advantages are provided by the compulsory medical insurance policy at VTB Medical Insurance (Moscow). It can be issued both during a personal visit to the office and online.

What is a compulsory medical insurance policy

Policy validity period

The registration of the policy is one-time. Take advantage of free help in medical organization can be at the place of residence.
All Russian citizens must have a compulsory medical insurance, which can be obtained from VTB 24 or from another insurer. Insurance for Russians or for temporarily residing citizens in the country is different. In the latter case, the policy is provided for the period during which these persons plan their stay in Russia.

Features of registration of the compulsory medical insurance policy in VTB Medical insurance

Since the personal information is indicated in the insurance contract, it is necessary to present an identity document for its registration.

Policyholders have the opportunity to change insurance once throughout the year. At the time of registration of the document, a certificate is issued with the help of which you can temporarily use free medical services.

Compliance of the insurer's proposals with government regulations

The fund was created in order to provide full-fledged free medical care and insurance, which are guaranteed at the legislative level.

VTB OMS policy: responsibility

Client's rights in insurance

When making a policy, a special Certificate is issued, which allows you to receive medical assistance that meets the conditions of the program.

Holders of compulsory medical insurance once a year are given the opportunity to apply to another insurance organization (preferably before November 1). You can choose the specialist who can provide the appropriate treatment. To do this, you must submit a specific application to the insurer. The company can clarify all the details of insurance under the terms of the compulsory program.
Clients' rights must be ensured insurance Company... In case of their violation, the policyholders have the opportunity to claim the payment of insurance damage.

Obligations of the insured person

One of the client's responsibilities is to provide information on changes in personal and contact information, place of residence, etc.

To change the compulsory medical insurance policy at VTB Medical Insurance for the insurance of another company due to relocation, you must notify the fund no later than 30 days after registration.

Interaction with VTB insurance

Compulsory health insurance policy VTB 24 for newborns

If you have any difficulties in obtaining a policy, you can use the feedback form on the VTB website.

Insurance risks

Situations for treatment:

• require payment for the provision of compulsory medical insurance services;
• assistance was not provided due to the lack of a policy at that time;
• a refusal to issue a compulsory medical insurance was issued
• you need to get new insurance quickly.

Obtaining a compulsory medical insurance policy at VTB Medical insurance in Moscow gives the right to use a separate line. Representatives of other regions of the country can ask their questions by calling a separate telephone number.

How to get a compulsory medical insurance policy from VTB?

Via the Internet on the VTB website Medical insurance

It is possible to obtain a policy by filling out an online application on the website. It should be borne in mind that this service is not available for residents of every region.

Receiving at the address of the pick-up point

Voyage 2.0 program, Children's doctor, Manage your health, Advantage for the Apartment, Your personal doctor

Using the services of domestic medicine requires insurance policy... There is a standard (MHI), funded by the state, and an extended (VHI). The first gives access to basic services in clinics and clinics to preserve the health and life of citizens. The second allows you to receive much more services in private and prestigious institutions and is purchased additionally.

Compulsory health insurance CHI

To every citizen Russian Federationpeople temporarily residing in the country, as well as refugees, may require planned or emergency medical and sanitary assistance. The term “compulsory” means that without insurance, a person simply cannot receive any treatment. OMS implies government funding. This imposes certain restrictions on the list of services provided, which is minimal. Surgical operations, homeopathy, chemotherapy are not available.

OMS should draw up:

• from birth;
• adults after the adoption of the relevant law;
• persons arriving in the country for more than 3 months;
• refugees.

Important! Parents are required to have a policy of the same company. It makes no sense to insure minor children in another company.

MOS allows a person to contact a polyclinic located in Russia to receive emergency assistance. Policyholders can count on diagnostics and the appointment of a full course of treatment. They are not available without compulsory medical insurance. This applies to absolutely any citizen in the country and a person without a Russian passport. The document is necessary for everyone who plans to contact at least a polyclinic.

Conditions of compulsory health insurance at VTB

Foreigners are issued a temporary, and citizens - a permanent policy. The first has a limited duration and is renewed annually. The second is updated annually. Changing the insurer with a permanent policy requires writing an appropriate application. It is reissued in case of loss, loss of proper appearance - wear, tears, inability to read the number and personal information.

Contacting VTB allows you to issue either a paper or electronic document. In the latter case, the client is given a plastic card with a chip. There is no difference in the maintenance of these documents.

State funding means that emergency and planned assistance is provided not in private, but in state institutions. There are no other terms and conditions for this product. Medical assistance is provided in full for minors, the elderly and pregnant women.

Registration of the compulsory medical insurance policy on the official website

The presence of Internet access allows you to go through the registration procedure on the official website of the insurer:

1. 1. Go to the website https://vtbms.ru/ and click apply. In the window that opens, you will be asked to either leave the defined region, or select another.

1. 1. The next step is to choose which product the application is for - OMS or VHI.

1. After choosing a policy, a small questionnaire opens. All items are required and must be entered correctly. Information inconsistency will lead to rejection.

Information processing takes a minimum of time. Approval of the application means that you must come to the nearest branch, taking with you the following documents:

• passport;
• SNILS.

Foreigners need to have a residence permit with them, and without citizenship - any identity document. For children under 14 years of age, a birth certificate, power of attorney for registration is required. The employee checks all the documents, enters the data into a single database, and hands over the OMS for 30 days. A month later (usually earlier) VTB contacts the client and informs about the readiness of a permanent one.

Voluntary insurance - VHI policy

It differs from the obligatory one by the possibilities strictly regulated by the contract. Making a policy is beneficial for both employees and employers. Unlike compulsory medical insurance, holders of voluntary medical insurance can go to the clinic on weekends, after the end of the working day in private clinics. Service to the population in the latter is usually at a higher level than in the state.

The employer's contributions pay off completely. They are tax-free and can significantly reduce the likelihood of an employee leaving on sick leave. Timely assistance, for example, when visiting a doctor after working hours or on a weekend, has a positive effect on the company's usual pace of work.

In addition, an employee can independently choose a program for himself, of course, having previously agreed with the management.

Benefits

Voluntary medical insurance from VTB Insurance has its own advantages. They boil down to the following points:

• The conclusion of the agreement implies that the client receives the addresses of clinics and hospitals. They have different addresses, so each employee can choose the one that is in the nearest availability. The rates in all clinics, as a rule, are in the same price range.
• Obtaining the necessary consulting assistance in the contact center. Dispatchers will assist in hospitalization and appointment with a specialist. When the clinic does not provide the required service, the specialists of the insurance company will help you find another institution where it is. Providing assistance is the responsibility of the insurer.
• The possibility of obtaining significant discounts when the number of employees insured under VHI increases. For large corporate clients, VTB offers insurance coverage for the next of kin, who can also receive certain medical services.

Another weighty argument in favor of voluntary insurance is the amount of coverage. It is much more than a must.

disadvantages

VHI in VTB insurance provides many advantages, but, like any service, it has some disadvantages:

• Geographic restriction.MOS on the basis of a contract is provided exclusively in a strictly limited area and does not operate outside the prescribed framework.
• Medical compensation
• some drugs only for inpatient treatment. Medicines purchased for outpatient care must be purchased independently.
• The need to comply with many conditions. The contract contains a huge number of points. If they are not respected, there is no guarantee that the compensation and services provided upon the occurrence insured event, will be completed.
• No other remuneration.No other payments are provided under the VHI. Only the cost of rehabilitation is compensated and only when all the conditions specified in the contract are met.

Such disadvantages can be called standard. To avoid problems, you must familiarize yourself with each clause of the agreement in advance. If you know all the nuances, you can always count on compensation.

Voluntary health insurance program from VTB

It involves the provision of modern medical care in the most comfortable service conditions. Includes the following services:

• service in polyclinics;
• dentistry;
• visiting a doctor both in the office and at home;
• hospital treatment;
• emergency hospitalization;
• first aid.

The total cost of VHI for a year depends on the number of insured persons, the list of medical services provided, and the medical and preventive institution where employees are served.

VHI registration on the VTB website or in the office

You can buy a policy directly in one of the three hundred branches of the company. To go through the registration procedure, you must write an application. If there is no opportunity to visit a branch, registration is carried out on the official VTB websitehttps://www.vtbins.ru/corporate/client/health , where the application is filled in and sent on behalf of the company / employer.

Offices are located in all major cities. Qualified employees will always explain the differences between the programs, the possibility of obtaining additional services. Experts will help you choose a universal or several different packages for different groups of employees. When the VMI is issued, insurance holders can receive service at clinics, a list of whose addresses is issued after the conclusion of the contract.

Health insurance for migrants

VTB policy is issued to foreign citizens temporarily arriving in the country. It gives the right to use medical, dental and sanitary services in hospitals, clinics, outpatient organizations. Honey vTB insurance for migrants, it means receiving compensation in the event of an insured event. Working under a contract / patent without a policy on the territory of the country is considered illegal.

Medical assistance for labor migrants is available when:

• injury, frostbite, burns;
• exacerbation / occurrence of a chronic or acute disease;
• deterioration of health conditions requiring primary and specialized medical care.

Expansion of the package of services presupposes a written agreement with the insurance company and is discussed additionally with the employer or an individual if he is working under a patent / license.

Geography of compulsory medical insurance for visitors

Medical insurance VTB accessible to citizens Uzbekistan, Turkmenistan, Moldova, Ukraine, Belarus, Tajikistan... Employment in Russia for persons who came from these countries requires compulsory health insurance.

Policy cost for migrants

It is a variable value, depending on the conditions of insurance:

1. The minimum is 2,000 rubles.It is issued, as a rule, by the majority of employers and is the most budgetary pole.
2. Medium - 8,000 rubles.It differs from the previous option in the ability to visit medical institutions of a higher level.
3. Prestige - RUB 30,000Allows employees to receive medical care in prestigious clinics and dentistry.
4. Elite - 50,000 rubles... It is the most expensive policy and allows for diagnosis and treatment in the best hospitals.

Each package may include additional services at the request of the employer or the entrepreneur who takes out insurance.

Quick jump to VTB insurance products:
Voyage 2.0 program, Children's doctor, Manage your health, Advantage for the Apartment, Your personal doctor

The popularity of insurance services is growing every day. In view of this, the number of insurance companies is constantly increasing.

In "VTB Insurance" you can arrange medical insurance on some of the most favorable conditions... The policy assumes protection against a wide range of risks.

What documents may be needed

Any citizen of the Russian Federation can get a compulsory medical insurance policy from VTB. It includes a basic set of medical services, issued free of charge.

VHI policy stands for voluntary health insurance... It differs from compulsory medical insurance in a wider range of services.

If you decide to use the CHI related to corporate insurance, it is very important to familiarize yourself with the list required documents... It is important to understand that there are some differences in the list of required documents - it all depends on the category of citizens.

1. First, required document - this is, of course, a passport.
2. You will also need to present SNILS.
3. If we are talking about a child, prepare a birth certificate, as well as a passport of one of the parents.
4. A foreigner, in addition to a passport of citizenship, must have a certificate of registration in the country from which he arrived.
5. Refugees need to provide a certificate that confirms their status, for example, from the migration service.

Mandatory conditions for registration

VTB Insurance operates mandatory conditions clearance:

• you can get compulsory medical insurance only after concluding an agreement with VTB Insurance;
• as long as the employment contract is valid, the employer of the insured person undertakes to make insurance payments in a timely manner, and upon the occurrence of an insured event, pay compensation to the victim;
• processing time can be up to one month;
• at the time of making a full-fledged policy, a person receives a temporary certificate, which confirms the right to receive medical care, if the need arose.

If desired, the CHI can be issued within the framework of the establishment of a “Limited Liability Company”.

Emerging nuances

Quite often, after purchasing a policy, a person is faced with unforeseen circumstances. If you come across scammers, you can get fake or written off insurance. However, it also happens that the document is genuine, but the insurance company does not exist.

Such policies are not valid, and therefore it is impossible to get help with them. To avoid such situations, you need to verify the authenticity of the policy. This can be done in several ways:

• in appearance (if the documents are genuine, they will have the same appearance. They will necessarily contain information about the policyholder and the insurer, as well as a seal and a barcode. This medical insurance policy has a special paper texture and protection in several levels );
• via the Internet (the easiest option is to check the authenticity of the document by the number contained in the unified database. Just go to the special section on the website cHI fund, enter the number and click “check”).

If the OMS turned out to be fake, it will have to be reissued. However, this time, contact only trusted insurance companies. A list of them can be found on the official website of the health insurance fund. VTB is on this list.

Reviews

I have been a client of VTB Insurance for several years now. During all this time, there were no hiccups in the provision of services. I am satisfied with the quality of medical care. I recommend to everyone.

Last year he lost the compulsory medical insurance, because of which he had to re-register it. I made my choice in favor of VTB Insurance. Unfortunately, the policy was invalid, which is why assistance with a stroke was provided late.

Renaming "VTB Medical Insurance" into "VTB Medicine"

As you know, at the end of 2016, ROSNO-MS joined the VTB Insurance group.

For this reason, the company was renamed from VTB Medical Insurance to VTB Medicine.

What is a compulsory medical insurance policy

The compulsory medical insurance policy is a form of social protection, which involves receiving free medical care if necessary. It will be impossible to get the help of a doctor without his presence.

The main CHI program includes the following:

• diagnosis;
• ambulatory treatment;
• inpatient treatment;
• prevention;
• vaccination;
• dental services;
• the ability to buy medicines for benefits;
• medical examination of children under 18 years old.

If a person does not have compulsory medical insurance, then the hospital has the right to deny him the help of doctors. The only exceptions are situations that pose a risk to life, for example, injury or injury. These are the main rules of VTB health insurance.

Features of the OMS VTB policy

It is very important to know that OMS is provided exclusively free of charge. If the organization you have chosen is asking for money, then most likely you have come across scammers.

The following persons are entitled to receive such insurance:

• citizens of the Russian Federation;
• foreign nationals;
• refugees from any other country;
• persons who do not have Russian citizenship.

Provide services for provision of CHI and VHI can only be those organizations that are licensed to engage in this type of activity.

It is also worth noting that OMC has no expiration date. You don't have to replace his wager when he reaches a certain age. Replacement is necessary only if the policy is unusable, which can definitely be called a big plus.

When a person submits an application for VTB health insurance, initially he is given a temporary document for a period of 30 days - until a full-fledged policy is activated. You can use it in accordance with the same set of services.

The completed document can be collected from the same insurance company where you applied. All you need to do is sign the journal.

The period of compulsory medical insurance for citizens of the Russian Federation is not limited, however, for refugees and foreign persons without citizenship, it is the same time as they stay in the territory of the Russian Federation.

VTB policy OMS responsibility

According to the Law “On Insurance”, until the termination of the employment contract, all obligations to pay for insurance and make payments in the event of an insured event are assumed by the employer.

If the person in charge changes his place of residence or dies, then the responsibilities of the policyholder are transferred.

How to get an OMS policy VTB

The procedure for obtaining a compulsory medical insurance goes quite quickly. VTB Insurance makes it possible to issue compulsory medical insurance in any way convenient for you. This can be done both in real time, by going to the nearest branch of the bank, and online, by filling out a form on the official website of the company. In the latter case, the policy will be sent to your place of registration or actual address of residence.

Also, each person, if desired, can become the owner plastic policywhich looks like an ordinary bank card VTB.

As for the choice of a bank branch, citizens usually do not think about it. Receipt takes place on a territorial basis, that is, you use the services of a branch that is in the jurisdiction of your place of residence.

In order to draw up a compulsory medical insurance, you need to submit to VTB Insurance a list of necessary documents (depending on your category of population), supporting it with a statement.

By law, one parent can immediately issue policies for all family members. However, in order to do this, he must have with him a power of attorney to receive from persons who have reached the age of eighteen.

Validity

Some time earlier, different compulsory medical insurance policies were issued in different regions. Their differences were significant, including in terms of validity. However, in 2011 there was a transition to a uniform form of compulsory insurance policy for all organizations and regions.

Such a single compulsory medical insurance is issued to all previously uninsured persons - that is, newborns. From now on, the terms of its validity are unlimited for citizens of the Russian Federation. For foreigners and refugees, the period of validity is equal to the time of stay of these people in the country.

Client rights

In accordance with the legislation of the Russian Federation, each person who has issued the CHI has the following rights:

• the choice of the insurer at its discretion;
• the choice of a doctor, hospital and clinic is also available at your discretion;
• receiving medical care throughout the Russian Federation, regardless of how far from your place of residence you are.

Also, the patient can count on the following:

• respectful attitude of the staff of the medical institution;
• the right to treatment and diagnostics that meet all sanitary and hygienic standards (including treatment for cancer);
• the ability to call a doctor at home;
• confidentiality of health information (for example, if a patient has a tumor or cancer, the doctor should not inform the patient's relatives about it without his consent);
• the ability to refuse any intervention, for example, surgical.

Obligations of the insured person

Obligations of the insured person:

• presentation of compulsory medical insurance when applying to a hospital or clinic;
• notify the insurer when your personal data specified in the policy changes;
• change the insurer within a month after moving or changing jobs.

List of polyclinics

Having applied for insurance to VTB Insurance, the borrower is given a choice of a list of clinics, among which he can choose in favor of the one in which he wishes to be served.

Which insurance companies meet VTB's requirements?

By contacting the VTB Insurance department, you can request a list of medical supervision in which institutions that meet the requirements of this organization. Among them:

• Rosgosstrakh;
• "NASCO";
• "ROSNO"
• "Alpha insurance";
• organization "Megapolis";
• "INGOSSTRAKH".

Legal regulation is in accordance with the law of the Russian Federation "On the basics of protecting the health of citizens in the Russian Federation."

Insurance conditions

Insurance conditions at VTB are as follows:

• the insured event occurs upon the death of a person or the loss of his disability due to disability;
• in the event of hostilities or a strike, it will be impossible to receive insurance payments;
• also, the insurance is not paid if the death of a person is due to diseases such as HIV or AIDS;
• employers deal with issues on the amount of fees and payment of bonuses upon termination of an employment contract.

Whether to use a compulsory or voluntary health insurance policy is up to you. In any case, VTB will always offer the most suitable and profitable options.

From the moment of their birth, all residents of the country must have a medical policy. This service is now provided by any insurance company. Certain advantages are provided by the compulsory medical insurance policy in VTB Medical Insurance (Moscow). It can be issued both during a personal visit to the office and online.

What is a compulsory medical insurance policy

Policy validity period

The registration of the policy is one-time. You can use free help in a medical organization at your place of residence.
All Russian citizens must have a compulsory medical insurance, which can be obtained from VTB 24 or from another insurer. Insurance for Russians or for temporarily residing citizens in the country is different. In the latter case, the policy is provided for the period during which these persons plan their stay in Russia.

Features of registration of the compulsory medical insurance policy in VTB Medical insurance

Since the personal information is indicated in the insurance contract, it is necessary to present an identity document for its registration.

Policyholders have the opportunity to change insurance once throughout the year. At the time of registration of the document, a certificate is issued with the help of which you can temporarily use free medical services.

Compliance of the insurer's proposals with government regulations

The fund was created in order to provide full-fledged free medical care and insurance, which are guaranteed at the legislative level.

VTB OMS policy: responsibility

Client's rights in insurance

When making a policy, a special Certificate is issued, which allows you to receive medical assistance that meets the conditions of the program.

Once a year, owners of compulsory medical insurance are given the opportunity to contact another insurance organization (preferably before November 1). You can choose the specialist who can provide the appropriate treatment. To do this, you must submit a specific application to the insurer. The company can clarify all the details of insurance under the terms of the compulsory program.
The insurance company must secure the rights of clients. In case of their violation, the policyholders have the opportunity to claim the payment of insurance damage.

Obligations of the insured person

One of the client's responsibilities is to provide information on changes in personal and contact information, place of residence, etc.

To change the compulsory medical insurance policy at VTB Medical Insurance for the insurance of another company due to relocation, you must notify the fund no later than 30 days after registration.

Interaction with VTB insurance

Compulsory health insurance policy VTB 24 for newborns

If you have any difficulties in obtaining a policy, you can use the feedback form on the VTB website.

Insurance risks

Situations for treatment:

• require payment for the provision of compulsory medical insurance services;
• assistance was not provided due to the lack of a policy at that time;
• a refusal to issue a compulsory medical insurance was issued
• you need to get new insurance quickly.

Obtaining a compulsory medical insurance policy at VTB Medical insurance in Moscow gives the right to use a separate line. Representatives of other regions of the country can ask their questions by calling a separate telephone number.

How to get a compulsory medical insurance policy from VTB?

Via the Internet on the VTB website Medical insurance

It is possible to obtain a policy by filling out an online application on the website. It should be borne in mind that this service is not available for residents of every region.

Receiving at the address of the pick-up point