What is compulsory health insurance?
That such compulsory health insurance?
Compulsory health insurance is the not only depersonalized metal accounts opened by citizens for preservation and enhancement of the accumulation, but also, undoubtedly, more important and considerable for everyone - compulsory health insurance.
Compulsory health insurance in present life - the integral condition of preservation of health and treatment of each citizen: child and adult. Practically each of the citizens of the Russian Federation working and the unemployed, have an insurance policy of compulsory health insurance, the given any medical insurance company.
Now in the Russian Federation more than 100 medical insurance companies *, including in Moscow entering their top ten work (top - 10): MAX. - M, ROSNO - MS, “ Sovita “ (“ Solidarity for life “) “ The Spassky Gate - M “ and “ Uralsib “. Also in our city medical insurance companies work: “ RESO - " Honey; “ Medical fear “ and “ Icarus “. At the same time they have a branch network in other regions of Russia.
Compulsory health insurance especially is important now, in conditions financially - an economic crisis when as in other earlier, not each citizen, not each family were able to afford to sign the contract of voluntary medical insurance, having laid out for this purpose the considerable sum of money which size depends on the chosen VHI program. And medical insurance companies agreed to sign individual contracts VHI with a big reluctance until recently, being guided by corporate clients.
Compulsory health insurance in our country was entered in 1993 as a form of social protection of interests of the population in health protection for the purpose of preservation of guarantees of a free and qualitative medical pomokshcha to citizens. Compulsory health insurance - the component of the state social insurance also provides to all citizens of the Russian Federation equal opportunities in receiving the medical and medicinal care provided at the expense of means of obligatory medical insurance in volume and on the conditions corresponding to programs of obligatory medical insurance.
Now also territorial programs work state.
The resolution of the Government of the Russian Federation from 05. 12. 2008 No. 913 the Program of the state guarantees of rendering to citizens of the Russian Federation of free medical care for 2009 is approved. **
This Program determines types, norms of volume of medical care, standards of financial costs of unit of volume of medical care, per capita standards finansovokgo providing, an order and structure of formation of tariffs for medical care, and also provides rendering conditions, criteria of quality and availability of medical care, predokstavlyaemy to citizens of the Russian Federation (further - Citizens) in the territory of the Russian Federation free of charge.
Public authorities of subjects of the Russian Fedekration according to the Program are developed and approve the territorial programs of the state guarantees of rendering free medical care to citizens for 2009 (further - Territorial programs) including territorialkny programs of obligatory medical insurance.
The territorial program includes:
- the list of diseases and types of medical care, prekdostavlyaemy to citizens it is free at the expense of the konsolidirokvanny budget of the subject of the Russian Federation and means of territorial fund of an obligatory medical strakhovaniye;
- conditions of delivery of health care, including terms of expectation of the medical care provided in a planokvy order;
- order of realization of the right of extraordinary rendering the mediktsinsky help to separate categories of citizens in uchrezhkdeniye of health care of the subject of the Russian Federation and municipalities;
- lists of vital and major lekarstvenkny means and products of medical appointment, neobkhodikmy for rendering the fast, urgent and stationary mediktsinsky help;
- the list of the medicines provided to the population according to the list of groups of the population and categories of zaboklevaniye at which out-patient treatment medicines and products of medical appointment are released according to recipes of doctors free of charge, and also according to perekchny groups of the population at which out-patient treatment medicines are released according to recipes of doctors with 50 - a percentage discount from free prices;
- the list of the medical organizations participating in a realizaktion of the territorial program of the state guarantees;
- the state (municipal) task to medical uchkrezhdeniye and other medical organizations, uchastvuyukshchy in implementation of the territorial program.
Conditions of delivery of health care within the territorikalny program are established by regulations of public authority of the subject the Russian Fedekration according to the legislation of the Russian Federation and the Program.
Thus, the purpose of medical insurance - to guarantee to citizens at emergence of insured event receiving medical care at the expense of the saved-up means and to finance preventive actions.
Legal, economic and organizational bases of medical insurance of the population in the Russian Federation are defined by the Law “ About medical insurance of citizens in the Russian Federation “. But it is a subject of separate conversation.
* The Agency of Insurance News (AIN) according to the Federal Service for Insurance Supervision 10. 02. 2009
** the Resolution of the Government of the Russian Federation from 05. 12. 2008 No. 913 “ About the program of the state guarantees of rendering to citizens of the Russian Federation of free medical care for 2009 “