Эксперт
в страховании

Обязательное медицинское страхование (ОМС)

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Обязательное медицинское страхование (ОМС) — это государственная система социальной защиты интересов граждан в сфере охраны здоровья.
Система обязательного медицинского страхования гарантирует всем гражданам РФ независимо от пола, возраста, социального статуса и места проживания равные возможности в получении медицинской помощи в объеме и на условиях, соответствующих программам ОМС.

Каждый имеет право на охрану здоровья. Каждый имеет право на медицинскую помощь, в соответствии с программой государственных гарантий, в том числе, на выбор врача и выбор медицинской организации, профилактику, диагностику, лечение, реабилитацию, защиту сведений, составляющих врачебную тайну. Полис ОМС дает каждому Застрахованному право на бесплатное получение медицинской помощи на всей территории РФ при наступлении страхового случая в объеме, предусмотренном базовой программой ОМС, а на территории субъекта РФ, в котором выдан полис – в объеме, установленном территориальной программой ОМС.
Застрахованный имеет право на выбор страховой медицинской организации , а также на выбор клиники и врача.
Гражданам РФ, а также постоянно проживающим на территории РФ иностранным гражданам полис ОМС выдается без ограничения срока действия.
Полис ОМС - документ, подтверждающий право застрахованного лица на получение бесплатной медицинской помощи (медицинских услуг) по программе обязательного медицинского страхования.
Полис ОМС (медицинский полис) необходимо предъявлять в медицинских организациях при обращении за медицинской помощью.
Полис ОМС оформляется бесплатно всем гражданам РФ, а также иностранным гражданам и лицам без гражданства, проживающим в РФ.
Каждый гражданин самостоятельно выбирает страховую медицинскую организацию, в которой оформляет и получает полис ОМС.


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