What to do if the policy is lost. How to restore a medical policy if you are in another city

Reading time: 5 minutes

It just so happens that from time to time we lose something. When it is some trifle, we are annoyed, but no more. But if this is an important document, then there will be a long recovery process, accompanied by the collection of various certificates. Although everything can be much simpler. Consider how to restore an OSAGO policy in case of loss or damage: after all, it can also be torn or faded in the sun so that it will be impossible to read anything.

What does the regulation say about it?

It does not matter if you lost your insurance policy, it was damaged mechanically or otherwise, the main thing is that it is illegal to drive a car without it. The loss of an OSAGO insurance policy is equated to its complete absence, which is an administrative offense in accordance with Article 12.37 (part 2) of the Code of Administrative Offenses of the Russian Federation. And traffic inspectors will not hesitate to punish you for this.

In addition, the Rules of the Road of the Russian Federation (clause 2.1.1) indicate that the driver is obliged to have a number of documents with him while driving and be ready to present to the traffic police officer a number of documents, among which the OSAGO policy is also indicated.

So, until the policy is restored, the motorist will have to do without his car, so as not to become, though not malicious, but a violator. As for the insurance company, its obligations on this issue are described in paragraph 24 of the OSAGO Rules. Specifically, it says that the first time during the term of the current contract, the restoration of the OSAGO policy in case of loss should be free of charge, but the second and subsequent times, the services for making a duplicate (and only them) are paid by the client. On average, it costs 300-400 rubles.

The procedure for the loss of the CMTPL or CASCO insurance policy

Having dealt with the rights and obligations, you should understand how to act if you find yourself in this unpleasant situation. Moreover, for compulsory and voluntary insurance, the procedure may differ.

A different procedure for actions after the loss of various insurance documents is due to whether or not it is necessary to confirm the fact of insurance. According to OSAGO - it is not necessary. But insurance companies that issued you a CASCO policy, especially dishonest ones, may require confirmation of the fact that you really paid for their insurance.

How to restore the OSAGO policy

No matter how complicated this procedure may seem in absentia, in fact, everything is quite simple and fast. And most importantly, you will not need to purchase insurance again, because the fact of your current insurance is recorded in a single database of insurers. Imagine that you get into a serious accident in which, for example, your policy is burned. This does not mean that you are not insured. Let's move on to a description of the procedure for how to restore a lost OSAGO policy.

Obtaining a duplicate of the OSAGO policy

After discovering the fact of loss or damage to the insurance form, you must personally come to the office of the insurance company (IC), where you concluded the contract and receive a duplicate. It is worth mentioning that this does not apply to cases when the printed electronic policy is lost, because you can re-print it yourself from your personal account on the insurer's website.

Let's take a closer look at how to get a duplicate of the OSAGO policy purchased in the standard way.

Do I need to change my policy when changing my last name?

Now each of you knows what to do if you lost car insurance. But what about when you change your last name? If, for example, a woman is married? The policy must contain up-to-date data corresponding to the current documents, in particular the passport and VU of all citizens included in the insurance.

If personal information has changed in the passport, then the driver's license must also be replaced. Recall that since 2014 it is forbidden to drive a vehicle with the rights to the former surname.

So, having changed the last name, first name or patronymic in the passport, you need to urgently apply for a replacement driver's license, and then for the production of a duplicate of the OSAGO policy with the corrected data.

For the first time, as in case of loss of the insurance form, a duplicate will be given to you free of charge. A similar procedure should be resorted to in such cases as:

change of vehicle registration data;
change in the number of drivers allowed to drive a car.

Lost policy and forgotten insurer details

There is another important issue that needs to be considered. Is it possible to restore the OSAGO policy in case of loss if you cannot remember which insurance company the contract was concluded with? Memory can fail everyone, especially older drivers.

You shouldn't be upset. This issue can be resolved using the website of the Russian Union of Motor Insurers - PCA: by the VIN number and registration plate of the vehicle, you can find out which company the car is insured with.

We restore the CASCO policy

We have dealt with the loss of OSAGO policies. What to do if the CASCO policy is lost is not so different. You need to immediately contact your insurance company, without waiting for possible insured events. If at the same time you have in your hands a mandatory motor citizen, then you have the full right to drive your car without a lost policy.

How to get a duplicate CASCO

Voluntary insurance, unlike conventional OSAGO, is not regulated at the legislative level, so some difficulties may arise here. This is especially true in cases where you do not have any receipts or other proof of payment for the policy. This is often used by unscrupulous companies that generally can deny the fact that you are their client.

To get a duplicate you will need:

come to the office of the company;
write a statement about the loss of the policy;
present your documents (passport, VU) and preferably receipts;
get a duplicate made for you.

As with the loss of the OSAGO policy, you have the right to receive the first duplicate free of charge.

If you want to avoid possible future troubles due to the loss of a voluntary insurance form, then make it a rule:

immediately make copies of the documents received in order to have at least them as evidence of the fact of insurance;
carefully store receipts and other papers confirming payment;
do not keep the CASCO policy in the car, because in the event of theft or complete destruction of the vehicle without it, you may be denied payment.

Be careful on the road and keep important documents in safe places to be calm and protected in all possible situations.

OSAGO subtleties - new rules for repairing an iron horse: Video

Unfortunately, certain citizens of our country face the problem of losing an insurance policy quite often. If this happened to you, don't panic. Remember that any insurance company, upon request, is obliged to issue you a duplicate of any lost document.

Naturally, the question arises of where to go if the policy has been lost. You may need some insurance policies quite urgently. For example, without a policy, you cannot drive a car. Any meeting with the traffic police in this case may result in a fine. So don't delay solving the problem.

Is it possible to restore the insurance policy

If you have lost any type of insurance policy, do not hesitate to contact the company that issued the policy to you. The majority of voluntary insurance contracts are drawn up at the insurance company - the people working there know who they have worked with. For example, a compulsory health insurance policy is often issued at the place of employment, where it is necessary to clarify in which company you were insured.

After you know exactly the address of the insurance company you need, collect the necessary package of documents. You will definitely need a passport. In case of loss of the OSAGO policy - a driver's license. If you are not registered in the city where you live - temporary registration. If you are a citizen of another country, you will also need a residence permit.

How to restore an insurance policy in case of loss

In case of loss of the insurance policy, you will need to write an application to the insurance company for the issuance of a duplicate of your policy. The application form can be "spy" on the insurer's website or write it directly to the insurance company. To restore the medical insurance policy, the application form can be found on the official website of the FSS of your city. A duplicate of the insurance policy, if you have all the necessary documents to obtain it, will be issued to you immediately on the day of application. There is no need to seek legal assistance to restore the policy. Unless in a situation where the insurance company, referring to insignificant reasons, refuses to issue a duplicate.

Restore OSAGO insurance policy

Without an OSAGO policy, you cannot drive a car. Any meeting with the traffic police in this case may result in a fine. So don't delay solving the problem.

It is necessary to restore the lost OSAGO insurance policy as soon as possible. To obtain a duplicate policy, contact the insurance company immediately. Be sure to take with you not only your passport, but also a vehicle registration certificate. Information about your policy is stored in the general database of the insurance company - the insurer will be able to find it using your passport data. Please note that you can get the first duplicate for free. However, if you lose your insurance policy for the second time, you will have to pay for issuing a duplicate.

Advice from Sravni.ru: The procedure for restoring the OSAGO insurance policy will also need to be completed if you have changed your last name (in accordance with the Legislation of the Russian Federation, in case of marriage, etc.). In order to obtain a duplicate, you will need to take a marriage certificate to the insurance company.

The compulsory medical insurance policy is an important document that should be in the pocket of every citizen of the Russian Federation. It is intended for free medical services. Currently, insurance companies issue it in the form of a plastic card with an installed chip that contains personal information about the carrier. Not surprisingly, a small card can easily be lost, damaged by mechanical impact or moisture. In this case, you need to urgently start recovery, and you will learn how to do this from our article.

What to do if you lost your policy

With the help of the compulsory medical insurance policy, every citizen of Russia has the right to count on free services in medical institutions. More than three years ago, the document began to be issued in the form of a plastic card with an electronic chip, which can easily be lost or damaged. It should be borne in mind that without insurance, you will be denied service at any public clinic, and treatment services will be provided on a paid basis. To avoid this, it is necessary to immediately restore the policy.

According to the law, every resident of the country has the right to free medical care, so obtaining social insurance is a mandatory step. The program is valid for persons of any age, gender and social status, even for foreigners who operate or permanently reside in the Russian Federation.

If you have a policy, a citizen can count on service anywhere in the state, and it is allowed to issue a document in another region of Russia that does not correspond to the actual address of registration.

In accordance with the CHI law, the consumer can count on the following types of services:

Emergency medical care.
Outpatient care in outpatient clinics.
Prevention and a list of measures to reduce the risk of diseases, as part of educational or preschool education.
The allocation of free places in the hospital for the treatment of chronic diseases, pregnancy or serious injuries requiring long-term care and recovery.

The electronic media contains personal data about the consumer of services - his last name and first name, age, current place of residence and registration information, duration of insurance service.

In case of loss of a document or its unintentional damage, a citizen has the right to obtain a duplicate of the CHI or replace it by contacting another insurance organization. Moreover, the consumer is allowed to change his service company no more than once a year. An exception is moving to a new place of residence and changing the permanent residence permit. Replacement documents must be submitted before the first of November.

So, if you lose your policy, you must immediately contact your insurance company or any other to get a new document. Otherwise, you will not count on free medical care.

How long will recovery take

It should be prepared that the restoration of a new type of medical insurance policy will take a significant period of time. It is impossible to give an exact date, it all depends on the chosen insurance company, because different organizations approach this issue in their own way. First you need to delete your name from the database and enter new information there.

The minimum period for consideration of the application is two weeks, but the procedure can take up to a month. Do not worry about the restriction in medical care during this period. After receiving the documents, the employees will issue a temporary certificate, thanks to which the consumer will be protected. The resulting form has the same properties and power of a full-fledged policy, with its help you can count on free professional treatment from the moment you submit your application until the issuance of a new card. Moreover, it has no territorial restrictions and is valid throughout Russia. In case of refusal to provide services in a hospital in another region, they have the right to appeal this decision and insist on a violation of the law, which threatens with serious consequences.

Where to apply for a new document

The recovery procedure itself will not take the consumer much time and effort. You can do one of these ways:

Contact your previous insurance company whose policy was lost. Write an application for the restoration of the card and provide a package of documents. After that, you will be given a temporary certificate, which has the power of a full-fledged CHI. After thirty days, an SMS or a call will be sent to the phone number indicated in the application with a request to pick up the finished policy.
It is not forbidden to change the insurer and apply to another company, but only one attempt is allocated for this during the year. Applications must be submitted by November 1st. In this case, the application indicates that a new card is required, and not a duplicate of the old one.
Visit the nearest branch of the MFC. Here you will receive documents and send them to the selected department. Moreover, they will be able to advise you in the selection of a new insurer. The receiving party, upon the fact of making a duplicate, notifies the consumer of the readiness of the policy.
Often the employer or school management collects collective applications and sends them directly to the organization. In case of loss, you must contact the administration at work or in an educational institution.
With the help of the network. You no longer need to personally visit the department and wait in line. Most companies have implemented an application algorithm on their official websites. It is allowed to send the form through the public services portal, but the function is available only in the central regions of the country - in Moscow and St. Petersburg. Subsequently, you still have to personally visit the office for the finished product.

What documents are required

To restore the medical insurance policy, you will need to collect a package of documents, the list of which includes:

Citizen's passport.
SNILS.
An application written according to the model established by the organization.

If you need to get a duplicate for a child, you will need a birth certificate. It should be remembered that within three months after the birth of a child, it is required to issue an insurance policy for him.

Application writing template

In each insurance organization, the application is accepted according to the established corporate model. It requires you to indicate your personal data, passport details, SNILS, choose to restore the card and indicate the reason for the reissue, in our case this is a loss. An example form looks like this:

It also requires the address of actual residence and registration. Indicate information about the representative of the insured person, if the consumer himself cannot personally contact the organization. At the end, put your signature and your initials.

Is it possible to restore the CHI policy through the State Services

Unfortunately, the unified portal of public services does not currently provide the function of restoring a health insurance policy. You can only apply for the issuance of a new document, and you will need to have an electronic signature. The list of actions is as follows:

Log in under your account to your personal account of the public services portal.
Find the "My Health" tab.
In the next window, find the service "Filing an application for choosing an insurance organization."
After that, you will see information about the service. Click on the get feature button.
A form to fill out will appear on the screen, in which you need to enter personal data, the address of registration and actual residence, indicate the region for ordering the document.
Check the box next to the format in which the policy will be issued. Plastic or paper carrier.
Select the insured company from the list and confirm sending the application.

After that, you will be notified when you need to visit the branch to obtain a temporary certificate, and after 30 days of the finished product. Residents of the Moscow region can repeat a similar list of online actions through the website of the Moscow Mayor Mos.ru. Please note that this service is only available in certain regions of the country.

The article discussed in detail the available ways to restore a lost CHI policy. It should be noted that such a procedure is mandatory and does not require delay. Otherwise, you risk being left without free medical care and will be forced to pay for the treatment at your own expense.

The CHI policy is asked at our polyclinics during an appointment with a doctor, the most important medical procedures are carried out under compulsory insurance, they are admitted to the hospital ... But what if you have lost your medical policy? Don't worry - you can restore it quickly and for free.

Medical policy lost: what to do?

Let's find out right away who issues the policies. This is not done by ordinary insurance companies (as is the case with VHI), but by CMOs - medical insurance organizations. These organizations are only in charge of compulsory health insurance issues - they are not entitled to provide any other services.

You can restore the lost medical policy in the CMO that issued it to you. You will find its name on the reverse side of the policy form - in the upper right corner, the CMO employee puts a seal where the name, address and telephone number are indicated.

If the policy is no longer there, and you don’t remember the name of your CMO, it doesn’t matter. You can contact any other organization and apply for a new insurance certificate. In this case, the lost policy will be canceled, and the new one will take effect immediately after registration.

Now let's talk about the recovery procedure in more detail.

How to restore the CHI policy: subtleties and nuances

The action plan is:

If you know the name of your CMO, find its contact number, call and specify business hours, break times and the address of the head office. The number is always indicated on the insert with the CHI insurance rules, which is attached to the policy. No insert? Just type in the name of the organization in Yandex or Google. Contact information is a must.
Take your passport with you and come to the SMO office. There, explain the situation to the employee and ask them to give you an application form for restoring the policy.
A staff member will take the completed application and issue you with an interim certificate. This is not a policy yet, but according to the certificate, you can also get free medical care.
The policy will be ready within a month. When it is made, CMO will notify you by phone or mail. All you have to do is come and pick it up.

If you do not know which CMO issued the policy, choose any other. A list of insurance medical organizations operating in your region is available on the website of the local MHIF (Compulsory Medical Insurance Fund). Fundamentally, they are no different: the list of compulsory medical insurance services is the same everywhere, and the policy itself is free. However, you can pay attention to the following points:

how long the CMO has been operating in the insurance market;
what reviews do insured citizens leave about it (does the organization help in solving problems with medical institutions, are its specialists competent);
in many regions of the country it works.

Getting a new policy follows the same algorithm as restoring a lost one. You come into the office, apply, get a temporary certificate and wait for the familiar bluish form to be issued. The service of restoring a lost policy or issuing a new one is free of charge, and the insurance rules do not provide for fines or other sanctions.

Medical care without a policy

Without CHI insurance, polyclinics, hospitals and other medical institutions are not required to serve patients for free. On the other hand, the number of each policy is entered into an electronic database. Even if you do not have a form on hand, you can ask the employees of the medical institution to check the number in the database - this is enough for the clinic or hospital to issue an invoice for the services rendered to your HMO. And emergency ambulance services are available to everyone, regardless of whether they have a certificate.

But it’s better not to tempt fate and restore the lost medical policy. Medical professionals are not always ready to meet your needs. Suddenly there is a need to make an appointment with a doctor or undergo a medical procedure, and they refuse to understand your situation? They have other worries as well. Set aside a couple of hours, go to CMO and forget about problems with insurance. The policy is valid indefinitely, and if nothing happens to it, you will not need to re-apply to the insurance company.

According to clause 55 p.4 of the Rules of Compulsory Medical Insurance, a lost CHI policy is subject to mandatory restoration. The procedure is carried out free of charge. It is required to apply for a new policy immediately after the discovery of the loss, since its absence entails a refusal to provide the citizen with free medical care. A step-by-step algorithm of actions when receiving a policy to replace the lost one is given in the following article.

Restoration of the CHI policy

Obtaining a new MHI policy to replace the lost one is carried out according to a certain scheme:

First of all, you need to collect a minimum package of documents, a detailed list of which will be given below. In general, in case of loss, it is required to provide a passport, SNILS. If for any reason, for example, due to a serious illness, a citizen cannot appear on his own to submit a package of documents, a person acting in his interests must provide a notarized power of attorney.
If insurance is issued through the employer, the employed person is required to transfer documents to the management of the institution. If the procedure is carried out independently, you must contact the MFC or the insurance department according to the place of permanent registration. It is also possible to fill out an application through the Internet portals of public services. However, such a service is currently under development and is provided in a limited area. Subsequently, the possibility of filling out an application will be provided to every citizen, regardless of place of residence.
After applying for the loss of the policy, the applicant receives a temporary certificate of insurance, on the basis of which he is entitled to receive medical services free of charge. When contacting an insurance company, it is especially important to obtain this document. In its absence, the provision of medical services is carried out for a fee.

The procedure for issuing a new certificate of insurance to replace the lost one is no more than thirty days. Before the expiration of this time, the applicant is required to contact the insurance department to obtain a new document that is valid on an ongoing basis. If the period for obtaining the policy has expired, the right to receive free medical services is suspended.

Important! The above algorithm is relevant only if the policy is lost. If the document has been stolen, the actions will be somewhat different. First of all, a citizen needs to apply with a statement to the police station, and then wait for the results. Temporary insurance in this case is valid until the law enforcement agency provides a written response about the outcome of the case.

List of documents

The possibility of filling out an application immediately on the day of treatment is provided only if all the required documentation is available. To apply for a new insurance policy to replace the lost one, a citizen must prepare the following documents:

Identity document. In this case, a passport or birth certificate if the policy was lost by the child.
SNILS.
An application of the established form, which can be filled out directly when contacting an insurance company or a multifunctional center.

If the CHI policy belonging to a minor has been lost, the guardian or one of the child's parents needs to apply for its restoration. In this case, the list of required documents also includes a passport or other identity card of the representative of the minor.

Compulsory insurance is subject not only to citizens of the Russian Federation, but also to foreigners who live in the country on a permanent or temporary basis. If the CHI policy was lost by a foreign citizen, in order to obtain a duplicate, the following documents must be submitted to the selected institution:

An application filled out according to the sample.
A document confirming the legal right of a citizen to stay in the territory of the state, for example, a residence permit or a valid employment contract.
A document confirming the existence of permanent or temporary registration.
National identity card.

Otherwise, the procedure for obtaining a new policy to replace the one lost by foreign citizens is similar to the procedure for obtaining insurance by citizens of the Russian Federation.

Where to go

The procedure for obtaining a new one instead of the lost policy is quite simple and does not take much time. To obtain a document, the applicant must contact:

The most simplified option is to apply directly to the office of the insurance company, where the CHI policy was previously issued. In the absence of information regarding the location of such, it is possible to clarify the data in the medical institution to which the applicant is assigned.
to another insurance company. The norms of the current legislation give every citizen the right to change the insurance company. The only limitation is that you can only do this once a year. Thus, after the loss of the document, you can apply to a new company to obtain a certificate. However, in such a situation, a new document will be issued, and not a replacement for the lost one.
Place of employment. Most public and private enterprises practice the possibility of obtaining a CHI policy according to the place of work. In such a situation, it is enough for an employee of an enterprise or company to report the loss to the personnel department, whose employees will take appropriate measures to restore insurance.
Along with the insurance company, the applicant can apply to any multifunctional center. In this case, a package of documents, as well as an application for the reinstatement of the insured person, will be transferred to the company through the MFC.
Through the Internet portal. In the territories of some regions, the possibility of issuing a policy through the Internet resources is already in effect. To obtain a new document to replace the lost one, an application must also be made in electronic form.

You can receive the finished document within the prescribed period in the same place where the application for its issuance was sent.

Sample Application

To fill out an application for issuance in connection with the loss of a new CHI policy, it is required to fill in in accordance with the accepted model. Directly at the place of application, the citizen will be offered a form, which must be filled out with his own hand. The application includes the following information:

First of all, you need to specify your insurance company. If the appeal is carried out, for example, through the MFC, you can ask about the name of the insurer at the clinic at the place of registration.
Applicant's data, that is, surname, name, patronymic.
Next, you need to indicate the purpose of writing the application. In this situation, the applicant is required to indicate that the document was lost and a duplicate is required.
Indication of the form of the policy. You can get a paper, electronic or plastic certificate. The issuance of the desired option is practiced by almost all major insurance companies, that is, there should be no problems with the choice.
The reason for petition. In this section, it is also required to indicate that the appeal is carried out in connection with the loss of the primary document. If the applicant has expressed a desire to change the insurance company, he must be informed of the receipt of a new insurance policy.
Personal information, as well as full passport data of the applicant. For convenience, it is recommended to prepare an identity document in advance.
You also need to specify your nationality. The procedure for restoring and issuing a policy for citizens of other states implies a slightly different algorithm of actions.
Address of registration and actual residence.
The date the request was made.

At the end of the application, it is required to leave a personal signature, as well as indicate the transcript.

Attention! The service when applying for a new policy or a duplicate document is provided free of charge. The fee is not charged even if the insurance was lost or damaged by a citizen.

Recovery time

Restoring a policy takes a minimum amount of time. To obtain a duplicate, a citizen needs to visit the multifunctional center or the office of the insurance company twice. The first time - to submit documents, the second - to receive a finished duplicate.

If a citizen has provided all the necessary documents and filled out the application without errors, the documents are accepted for consideration immediately on the day of application. On the same day, the applicant is issued a temporary policy, on the basis of which the person is entitled to receive qualified medical care free of charge.

The duration of a new policy is 30 days. During this time, but not later, the duplicate of the lost document is issued to the applicant. As a rule, the applicant is notified of the day of the return visit immediately upon application. The exception is cases when an application for the issuance of a compulsory medical insurance policy is submitted via an online application. In such a situation, notification of the date of issue of the document is sent to the applicant via SMS.