Rokumanikidzirwa zvokurapa inishuwarenzi - uyu ... Insurance premiums utano inishuwarenzi rokumanikidzirwa

Rokumanikidzirwa munzanga, mudyandigere uye inishuwarenzi utano - nhengo chirongwa wehurumende kutsigira vanhu. Anosanganisira yakatarwa nesangano, emitemo uye zvoupfumi matanho. Ngatimboongororai zvimwe chii chinoumba Federal Rokumanikidzwa Medical Insurance.

mazwi

Rokumanikidzirwa utano inishuwarenzi - kwegadziriro zvemitemo, musangano uye zvoupfumi matanho zvainanga pakuvimbisa vakasununguka urongwa kubatsira vagari pamusoro panowanikwa kuMudzidzisi ezvinhu. Mari rinoitwa tichiregeredza HIF kana mukati miganhu mujinga chirongwa ehurumende. Huru normative chiito yokudzora inishuwarenzi rokumanikidzirwa utano - Mutemo nhamba 326. It rinotsanangura pfungwa dzinokosha. Kunyanya, nomurau inorondedzera nyaya uye chinhu pamusoro MLA, pangozi uye kuchengeteka, uye kugadzira pamusoro miganhu mujinga chirongwa, maererano paine inishuwarenzi pautano zvairayirwa. Federal Law № 326 uyewo inorondedzera sungiro uye kodzero vanhu kupinda chibvumirano, avo basa.

The yapera dambudziko

Vasati 2011, kwaiva muenzaniso MLA. Zvisinei, sezvo tsika inoratidza zviri va neudhadha chaizvo. Chikuru Chikonzero ichi chaiva kushaya ezvinhu akakodzera umo pakati gadziriro aizoshumira murwere uye zvaaida. Vasati 2011, mukana wokusarudza sangano iro anoita utano inishuwarenzi rokumanikidzirwa muMoscow kana kuti rimwe guta, aivawo mugari uye waaishandira kana Executive muviri. In tsika, mamiriro ezvinhu kwakatungamirira chaiko kubviswa vemo kubva pokuita tsanangudzo MLA. Uyewo, ukama mukati hurongwa hunobva dzakananga dzemitemo. Zvikurukuru, makiriniki nezvipatara vakagamuchira mari nemasangano zvakadai nekuripira zvichidhura kurapwa kuitwa, uye urongwa yokutarisira varwere. Kutaura zvazviri, saka zvokurapa masangano govera yakananga bhajeti. Fanira Health Insurance Fund haana CATALYTIC zvainoita zvipatara nemakiriniki. Saizvozvowo, yokupedzisira vakanga vasingafariri chekunatsiridza mabasa.

The ezvinhu aripo

Pari rokumanikidzirwa utano inishuwarenzi - iri chirongwa yakagadzirirwa mari mabasa, uye zvipatara kwete vakadaro. The apa mutemo zvinobatsira substantially simba vagari. Saka, munhu anogona kusarudza uye makambani inishuwarenzi, uye utano zvivako uye vanachiremba. Panguva iyoyo zvokurapa kupfungwa, iyo rwuripowo remazita, uye chibvumirano kuti urongwa kuMudzidzisi mabasa chepurogiramu, haana kodzero kuramba chizvarwa rubatsiro.

Key nzvimbo

Mumwe mukuru zvinhu zvinoenderana nechipimo ichi anoita nzira, maererano iyo mari inishuwarenzi zvairayirwa utano. nhamba 326 Mutemo anoita zvinotevera:

1. Mitemo inotungamirwa mari.
2. The kukosha inishuwarenzi shoma nokuda zvizvarwa rovha.
3. The nguva nokutongwa, nguva nokuda disbursement.
4. Anokonzera hadzina kufambiswa zvakanaka ari yaanobhadhara zvipo.
5. Mitemo pakururamisa tariffs, kuti muripo yebasa yezvokurapa panguva MLA.

Munyika 2011-2012, kuti inishuwarenzi premiums kuti utano inishuwarenzi rokumanikidzirwa vakanga yakawedzera 2%. Izvi zvichaita kutumira utano zvekutepfenyura kuwedzera anenge mabhiriyoni 460 rubles.

tariffs,

Kunyoresa kuti inishuwarenzi utano inishuwarenzi rokumanikidzirwa ari bhajeti FFOMS CSC - muitiro kuti anofanira kupfuura vashandirwi zvose. mutengo wavo kunobva kwadzinoita mitero uye mhando bhizimisi basa. Mukuwedzera, mwero rinowanikwa kufungisisa muboka iri payer. The sangano anogona akamurairawo mari sezvo Kazhinji, kana kushandiswa yakaderera. Uyewo Mapato anokosha vashandi kuti vane mari vemibairo zvakaitwa.

Muna 2016 nhamba kuti SP vashandi uye nemasangano ari HIF - 5.1%. Benefits ndiwo: chero boka revanhu nehurema (2.9%), voruzhinji sangano mhando (2.9%), maresitorendi kuti anopa rubatsiro mahara (2.9%), sangano rine gwaro guta - mipiro (2.4%).

kosha misimboti

Yokudzora mutemo inishuwarenzi youtano fanira №326 hwakagara zvinotevera zvokudya:

1. The pasi rose hunhu MLA.
2. Kuchengeta mamiriro runovimbisa kudzivirira vanhu pamusoro nengozi.
3. Kuzvionera nemari Mmi hurongwa.

Principles kuti vari pasi utano inishuwarenzi rokumanikidzirwa - ndiko:

1. Nechokwadi wakakodzera HIF anovimbisa akasununguka rubatsiro pasi pamusoro panowanikwa kuMudzidzisi ezvinhu.
2. Kutsiga zvemari hurongwa. Kugadzikana kunosimbiswa pahwaro yokuenzana yokutsigira inishuwarenzi MHI mari.
3. Fanira kubhadhara mari yezvinhu iri mari hwakasimbiswa mirayiro.
4. State vimbiso kuti zvido insured vanhu kuzadzikisa ayo mitoro pasi chi chirongwa inokosha, pasinei dzemari insurer.
5. Kusika zvinhu kuitira unhu uye Kuwanikwa kurapwa.
6. Parity kumiririrwa vechikamu uye vanotongwa OMC mu utungamiriri.

The chaizvo ari kuchinja

Changing CMI maitiro kunoshanda chinokosha pamwero mukuru kurapwa shanduko mune Russian Federation. Nyanzvi dzinodavira kuti mitemo vakagamuchira achabatsirawo kuti chinobudirira kusimudzira nyika yose. Panyaya iyi, ainyanya sarudzo anotyisa vanofanira chete utano mugari wacho. Zviri kwaari kuti asarudze chii nyanzvi, umo sangano kutaura. sarudzo hwevanhu hakufaniri kungopfeka makiriniki nezvipatara munzvimbo dzokugara kana kunyoresa.

zvidzidzo

chikamu ichi zvinosanganisira:

1. Insured vanhu:

• kushanda pasi wehurumende mutemo uye basa zvibvumirano, umo nyaya anoita aurayiwe basa kana kushandurwa mabasa, uyewo rezinesi uye Copyright chibvumirano;
• kuzviitira basa vanhu (Entrepreneurs, kuzvicheka-basa vanhu).

2. Insurers:

• vanhu vaita bonuses nezvimwe muripo vagari (sangano, SP);
• nomumwe Entrepreneurs.

3. Federal mari anoita somunhu insurer. Zviri sangano asiri purofiti kuumbwa kuti pave nehurumende Mutemo nokure ari MLA.

vatori

Muna Mmi mamiriro varipo:

1. Miganhu mari. Vari anounzwa sesangano asiri purofiti inoumbwa kumatunhu nokuda Implementation wehurumende Mutemo nokure OMC ari mundima yacho Russian Federation. zvivako izvi vanoita zvimwe masimba insurers panyaya chokupika Regional zvirongwa fanira medstrahovaniya.
2. Medical zvivako. Izvi zvinosanganisira sangano chakaitwa MLA Register uye ane kodzero tiite mabasa mumunda utano uye inishuwarenzi fanira utano. Vanogona kuumbwa nenzira nomumwe Entrepreneurs kana kuva sangano upi pamutemo chimiro akabvumira nemitemo nemirayiro.
3. Makambani Health inishuwarenzi. Vachiita mabasa avo mumunda MLA nokuda rezinesi akapiwa nokuda mvumo supervisory muviri. Inishuwarenzi medorganizatsii dzika vamwe masimba insurers Federal Law № 326 uye chibvumirano pamusoro mari yacho MLA, ndiani ane remunharaunda mari.

yokunyoresa

Sezvakataurwa apa, chinosanganisira medorganizatsii. The kunyoresa Kuvapo kwavo:

1. Names.
2. The pamazita mabasa kuti anopiwa mukati yechinangwa emunharaunda Mmi zvirongwa.
3. Kero.

Miganhu Fund anoramba remazita uye anoisa pachigadziko fanira hwaro pamusoro pamutemo Website. Vakabvumira mamwe bhuku mashoko mune dzimwe nzira.

Kugadzirwa zvirongwa

Maererano mitemo chiito № 326 chawo uye spatial mirayiridzo Chi dzakaumbwa. In Chapter. 7 gwaro iri zvinoratidza ndandanda mabasa, izvo zvaisanganisira neimwe chirongwa. Kubva 2013 ari bhuku mirayiridzo tinosanganisa tsaona mishonga, uye muna 2015 - munhu yepamusorosoro. Program kunotenderwa kwematunhu uye batana mumatunhu. Basic mirayiridzo zvinoshanda yose nyika, uye anoshanda mukati miganhu sangano. Regions vakapiwa kodzero kuwedzera huru purogiramu nyaya inishuwarenzi uye mhando rubatsiro kuti haana kuiswawo pakati MLA. Panguva iyoyo vakanga mari pachavo urongwa kwavo.

Rokumanikidzirwa utano inishuwarenzi: maitiro

Moscow raiva guta rokutanga munyika apo magwaro aya hwakatangwa. In weboka Implementation pakati MLA purogiramu vakagovera kune vagari mune dzimwe nzvimbo. Vasati 2011, MHI mitemo yakanga isina chete vose. In ose kambani kudhinda dzavo siyana. Vaifanira kutsiviwa pamusoro kuregedza kushanda. Kana vanhu vakachinja mabasa, aifanira kupira Mutemo wake mushandirwi. Gwaro idzva wakabudiswa kwaari neimwe mushandirwi. nzira iyi anotora dzimwe nguva yokuti munhu airamba kukwanisa kurapwa. Kana mugari vakava ndisingashandi, aida kuti mutemo musangano, kuti inishuwarenzi ari rovha vanhu pamusana makwikwi. Panguva ino gwaro iri rakapa kuti vagari vose uye chimwe chimiro kuti kumatunhu ose. Iye sokunge kadhi rechikwereti. Nechemberi kurutivi mutemo yezvokurapa inishuwarenzi rokumanikidzirwa imwe mharidzo itsva (umo nhamba 16 digits) chine chip. It akanyora mashoko pamusoro kambani kuti rakapa gwaro. Information pamusoro insured munhu chipo panguva seri kadhi. Zvinosanganisira zita, gore rekuberekwa. Ari seri panewo Photo uye chiratidzazvizhinji siginicha.

Nzira kuti tigamuchire

Kare, vagari vakapiwa Regional mitemo yacho MLA. Kuti pave chirongwa hurumende rwaiitwa zvishoma nezvishoma kudzitsiva. POMS anoshumira gwaro achisimbisa kodzero mugari yokugamuchira wakasununguka dzokurapa kundima yose Russian Federation kusvika inopiwa chikuru purogiramu. Kuti vawane munhu pachake kana kuburikidza mumiririri wake anofanira pasi kushanda. Izvi zvinogona kuitwa zvakananga mune imwe inishuwarenzi kana medorganizatsiyu TFOMS. Pazuva kubvuma chikumbiro mugari iri rakapa kwekanguva chitupa. It unotsiva mutemo kuti uchapiwa rakapa. Pamusoro yapfuura, kazhinji 2 weeks mugari anogamuchira wemagetsi gwaro. Plastic negwaro chinoshanda nokusingagumi. Kutsiva gwaro inowanika zvinotevera nyaya:

1. Loss / kukuvara / kusakara.
2. Name changed

Kana kushandura nzvimbo dzokugara / kunyoresa, mugari mamiriro (basa kana asingashandi) POMS yokutsiva haasi kuwanika.

kukarukureta kuti deadlines mabasa inopiwa

Under chirongwa nehurumende MHI zvachose yaidzorwa mitemo chokuita nguva muripo inopiwa kune murwere hanya. In zvipatara zvino runovimbisa muripo yemabasa yakapiwa nonresident mugari. Izviwo, anowedzera kufarira zvokurapa masangano pakubatsira vanhu. Kana medorganizatsiya muripo kunonoka inishuwarenzi oga mari anofanira kubhadhara muripo tsika. saizi yayo rinowanikwa panguva refinancing mwero Central Bank (1/300) ichishanda musi paumbwe kunonoka. Calculus zvinoitwa non-dzakanyorwa uwandu zuva nezuva.

Rokumanikidzirwa utano inishuwarenzi muMoscow: Company Rating

The pamazita nemasangano anoshanda yechinangwa MLA purogiramu, akambochera maererano zvimwe zvinodiwa:

1. Kuwanda zvinoshandiswa POMS.
2. oparesheni.
3. Kuwanikwa mashoko vemo 'kodzero.

Maererano nenyanzvi, padanho simba zvemari haisi chinokosha kwegadziriro Rating. Izvi imhaka kumira basa sangano kunyanya vagari vasina kukanganiswa. Chinhu bedzi achawira kwavari kuita - ndiko kuti kushandura mutemo. Masangano rakakurumbira guru vari:

1. "RESO-Med". The kambani mahofisi 37, umo aurayiwe POMS. purogiramu yavo yakasiyana, vamwe vavo unoshanda kumativi wachi uye kwevhiki. Mumwedzi 9 months vokutanga. 2012 akapiwa vanopfuura zviuru 200. Requests, izvo 43 dzakanga isimbiswe zvichemo. The kambani rinopa mashoko sei kupikisa dzakasiyiwa / zviito vashandi, yepamusoro zvinhu nyora medorganizatsy MLA.
2. MSK "Medstroy". kambani iyi ine 4 pfungwa nyaya POMS. Hofisi nechepakati kushanda siku nesikati. The kambani inopa negashiro mafomu mune zvemagetsi chimiro, uyewo akaripa pakukurukura magwaro. The sangano rinobata bedzi pamwe inishuwarenzi utano.
3. "Ingosstrakh-M". The sangano rine 4 pfungwa nyaya POMS. The kambani inopa rubatsiro kune vagari kudzivirira zvavanofarira mudare. Kambani dzakasaina zvibvumirano vanopfuura mamiriyoni 4.5 vatengi.

Mibvunzo pasi kukurukurwa

Kunze rimwe OMS mitemo, zvinonzi ndaizvipira kuzozivisa panzvimbo zvatinosiita zvinyorwa bepa-inobva utano (dzokurapwa zvinyorwa) zvemagetsi. Izvi imhaka yokuti kana kugamuchira vasiri mugari mugari chiremba anofanira kuziva zvirwere uye mamiriro zvomurwere. Vagari kazhinji musatakura navo zvokurapa zvinyorwa. In pamberi zvigadzirwa vezvokurapa chinyorwa zvikachenge- rimwe Database, chero nyanzvi muguta chero aigona kukurumidza kuwana zvose zvakafanira mashoko. Panguva iyoyo vari dzakawanda dzokuEurope kushandisa utano zvinyorwa yemagetsi munyika yose rezvebonde haabvumirwi. Izvi nokuda unreliability ari oga date kudzivirira enyika.

mhedziso

inishuwarenzi rokumanikidzirwa zvokurapa - iri rinokosha danho iri State kusarudza urongwa rubatsiro vemo. Software dzakabudirira zvinosanganisira zvose zvakafanira Mabasa anoitwa kuwana munhu akasununguka. Kuchengeta vanhu pamwe kuwana atarisire tichiregeredza kunobva mari, nebumbiro hurumende. Mutemo Dare kukura kwebasa utano inishuwarenzi rokumanikidzirwa rakazoshandiswa nekaupenyu achangobva. Zvisinei, kwenguva ya mutemo uyu, vanhu vazhinji vakanga kuwana yenjodzi, nechimbichimbi uye akaronga kutarisirwa. Vakanga akapa basa kuti kare vanhu ava kugona kushandisa. The kuitika mutemo nhamba 326 inoshanda zvose vagari vaigara munyika. Chinangwa murau pakutanga ari kusimbisa chakasimba chekuchengetedzwa ari kodzero ane mugari kusunungura kurapwa. The Implementation zvokudya zvayo chinowedzera zvishoma nezvishoma kuwedzera zvoutano mari. Izvi zvinozoita zvinoreva nechiedzo mamiriro inopikira vakasununguka kurapwa kuti vagari pamwe nokubatira ehurumende.

The Implementation of nomurau kunoita kwokungosimbisa zvinhu zvekushandisa nehwaro zvoutano. Somugumisiro, chinangwa zvasvika, izvo pakutanga chakagadzwa, - Unganatsiridza uye Accessibility okurapwa vanhu. Murayiro inodzora mune nezvedzinza mitoro uye kodzero vechikamu zvose uye wekuongorora, mitemo maererano nako rokumanikidzirwa utano inishuwarenzi yacho. Moscow raiva guta rokutanga, apo akatanga kushandisa kugadzikana. Nhasi, akakurukura zano unoshanda munyika. Federal Law № 326 anoita ukama yenhengo zvose wegadziriro anewo mazuvaano of MLA uye haizopereri kukura yose utano zvekutepfenyura.