New compulsory medical insurance rules in Russia — what you need to know

From September 2025 in the compulsory health insurance system rules updated – now patients have more rights and more opportunities to influence the quality of care they receive.

Previously, either the employer or the regional administration chose an insurance company for a person. After the innovations, the insured person himself has the right to choose a company for compulsory medical insurance.

This rule made it possible for people to choose an insurance company depending on how well it suits a citizen as a defender of his rights— said the specialist.

She emphasized that now insurance companies work directly with a person and “know him by sight.” At the same time, the package of documents remained virtually unchanged, Elena Sidorova clarified. For citizens of the Russian Federation this is: identity document, passport, SNILS. If the policy is issued for a child, you also need a passport of one of the parents.

Previously, in order to issue a compulsory medical insurance policy for a child under 14 years of age, SNILS was not required. Today, to issue a policy, this document must be presented to everyone.— said Sidorova.

In addition, the expert said that there are nuances in obtaining a policy for a newborn. Nowadays, from the moment they are born until they are registered (receiving a birth certificate), they receive medical care under the insurance policy of one of their parents.

After the newborn receives a certificate, mom or dad can choose their own insurance company for their child,” said the general director of the medical insurance company.

But the right to choose an insurance company still remains with the person. So, according to the expert, competition among companies in the market will increase and, as a result, quality will increase.

Insurance companies are interested in keeping clients with them. Accordingly, they need to keep the quality of their work high so that the person is satisfied— said Sidorova.

If the client does not like the company’s services, he can change it. There are 10 months for this – from January to October. At the end of the year there is a moratorium on changing insurance companies.

There are three possibilities to replace the company. The first is a change of residence. The second is the cessation of the company itself. And third – the desire of the insured personthe guest of the broadcast recalled.

source: RIA Novosti Crimea