Umshwalense okuyimpoqo yezokwelapha - lena ... amaphrimiyamu Umshuwalense umshuwalense wezempilo ayimpoqo

Ayimpoqo kwezenhlalo, impesheni kanye umshuwalense wezempilo - amalungu ohlelo isimo ukusekela sabantu. Kuhlanganisa iqoqo izinyathelo yenhlangano, kwezomthetho nakwezomnotho. Ake sicabangele eminye kuyini Federal okuyimpoqo Medical Insurance.

amagama

Okuyimpoqo umshuwalense wezempilo - isimiso izinyathelo zomthetho, yenhlangano kanye nemnotfo okuhloswe ngaso eqinisekisa ukuhlinzekwa khulula usizo izakhamuzi phezu okuvela kwezimo ezifanele. Ukukhokhela Kwenziwa ngezithukuthuku HIF noma ngaphakathi base indawo yesimiso isimo. The main isenzo normative elawula umshuwalense wezempilo ayimpoqo - inombolo uMthetho 326. Kuchaza imiqondo esemqoka. Ikakhulukazi, ukulawulwa ichaza ngale ndaba futhi into the MLA, ingozi kanye nokuvikeleka, kanye nokugcinwa base indawo yesimiso, owawuthi kukhona umshuwalense wezempilo ayimpoqo. UMthetho Federal № 326 futhi ichaza nezibopho namalungelo abantu abangena ku inkontileka, umthwalo wabo wemfanelo.

Ukuphuthuma inkinga

Ngaphambi kuka 2011, kwaba khona imodeli athile MLA. Nokho, njengoba umkhuba imibukiso, kuba engaphumeleli neze. Isizathu esikhulu salokhu kwaba ukuntuleka izimo ezifanele lapho osenkabeni yesimiso babeyokhonza isiguli kanye nezidingo zakhe. Ngaphambi kuka 2011, ithuba lokukhetha inhlangano lapho efeza ayimpoqo umshuwalense wezempilo e Moscow noma kwelinye idolobha, wayebuye abe isakhamuzi futhi umqashi wakhe noma isigungu. Ekusebenteni, lesi simo saholela ukususwa langempela sabantu kusukela iqhaza kwencazelo MLA. Ngaphezu kwalokho, ubudlelwano phakathi ohlelweni kusekelwe ezimisweni ezithile. Ikakhulukazi, imitholampilo kanye nezibhedlela mali kusukela nezinhlangano ezifana isinxephezelo izindleko zokwelashwa kwenziwe, futhi ukunakekela iziguli. Eqinisweni, nezikhungo zezokwelapha ukuze ukwaba imali ethize. Okuphoqelekile Health Insurance Fund ayinayo nomphumela okhanda amanye amathuba phezu ezibhedlela nasemitholampilo. Ngakho, lo somabhizinisi ayengenandaba lube lwenta ncono lizinga amasevisi.

Isimo samanje

Okwamanje, okuyimpoqo umshuwalense wezempilo - wuhlelo eyenzelwe ngezimali izinsizakalo, kanti nezikhungo zezempilo akuzona njengoba enjalo. Ukulawulwa ngenhla kunomthelela kakhulu ukuthukisa abahlali. Ngakho, umuntu angakhetha futhi izinkampani zomshuwalense, futhi izikhungo zezempilo kanye nodokotela. Ngesikhathi isikhungo esifanayo ezokwelapha, konke okubaliwe irejista, futhi usayine inkontileka for nokuhlinzekwa amasevisi ezifanele ohlelweni, alinalo ilungelo ukuphika usizo isakhamuzi.

izindawo ezimqoka

Esinye sezici eziyinhloko kulo mkhakha wenza inqubo, owawuthi uxhaso umshuwalense wezempilo ayimpoqo. inombolo uMthetho 326 ulawula ezindaweni ezilandelayo:

1. Imithetho kumiswa kwezimali.
2. Inani umshwalense aphambili izakhamuzi abangasebenzi.
3. Isikhathi kanye nenqubo, isikhathi ukukhokhelwa.
4. Lubhekele ukushayisana kwe iminikelo ebanjwayo.
5. Imithetho yokuqondisa yamanani isinxephezelo yesevisi yezokwelapha ngesikhathi MLA.

Kuyo 2011-2012, i- umshuwalense for umshuwalense wezempilo ayimpoqo abangu kunyuke ngo-2%. Lokhu kuzothumela ukuze engxenyeni yezempilo ngaphezu mayelana ruble 460 billion.

yamanani

Wabhaliswa umshuwalense ukuze ayimpoqo umshuwalense wezempilo e isabelomali FFOMS CSC - inqubo kumele kudlule bonke abaqashi. Inani kangakanani kuncike ekutheni imodi intela kanye uhlobo umsebenzi ibhizinisi. Ngaphezu kwalokho, izinga ibalwa ikhumbula isigaba lokukhokha komunye oyedwa. Inhlangano ingase imali njengomthetho ojwayelekile, noma ukusetshenziswa amazinga aphansi. Futhi izigaba ebalulekile abasebenzi kabani inzuzo inkokhelo eyenziwe.

Ngo-2016 izinga for SP nabasebenzi futhi izinhlangano HIF - 5.1%. Izinzuzo yilezi: kunoma yiliphi iqembu labantu abakhubazekile (2.9%), inhlangano yomphakathi uhlobo (2.9%), izindawo zokudla ezisiza khulula (2.9%), inhlangano dolobha kabani charter - iminikelo (2.4%).

zimiso eziyisisekelo

Olawula saziso umthetho umshuwalense wezempilo №326 Usungula iinjamiso ezilandelako:

1. Uhlamvu jikelele we-MLA.
2. Ukunikeza isimo iqinisekisa ukuvikelwa abantu ngokumelene izingozi.
3. Ukuzimela ngezimali MMI uhlelo.

Izimiso ukuthi angaphansi umshuwalense wezempilo ayimpoqo - kuyinto:

1. Ukuqinisekisa HIF ngenxa iqinisekisa usizo khulula kuncike phezu okuvela kwezimo ezifanele.
2. Ukuzinza kohlelo lwezezimali. Ukuzinza kuqinisekiswa ngesisekelo kwefrakshini ukusekelwa umshwalense MHI izimali.
3. Okuphoqelekile izinkokhelo ezibanjwayo Ngamanani aqiniswa iziqondiso.
4. isiqinisekiso State ukuthi izithakazelo abantu kwesamba ukufeza izibopho zayo ngaphansi kohlelo eziyisisekelo CHI, kungakhathaliseki ukuthi isimo sezimali umshwalense.
5. Ukudala izimo ukuqinisekisa ikhwalithi nokutholakala ukwelashwa.
6. Silinganiso ukumelwa iqhaza nezikhonzi OMC ekubuseni.

Imininingwane izinguquko

Ukushintsha uhlelo CMI ukhonza njengomdala iyingxenye ebalulekile emikhulu ukunakekelwa kwezempilo kwekuhlela kabusha ku Russian Federation. Izazi zikholelwa ukuthi ukusebenzisa izimiso yokutholwa kuzoba nomthelela kwintuthuko lonke uhlelo. Kulokhu, wasebenzisa indlela yamaRoma yokubusa abantu abathatha izinqumo kufanele kube ngokukhethekile impilo yisakhamuzi. Kungenxa ukuba unqume ukuthi uchwepheshe, lapho ejensi ukuxhumana. ukukhetha abantu akumele kubekelwe Imitholampilo kanjalo nezibhedlela kule ndawo yokuhlala noma ukubhaliswa.

izikhonzi

Lesi sigaba sihlanganisa:

1. abantu oVikelwe:

• ukusebenza ngaphansi komthetho we-civil kanye nomshikashika izivumelwano, lapho isihloko wenza ukukhishwa umsebenzi noma ukuhlinzekwa kwemisebenzi, kanye ilayisensi futhi-copyright sivumelwano;
• abantu abazisebenzayo (osomabhizinisi, abantu abazisebenzayo).

2. izinkampani zomshuwalense:

• abantu babandakanywe ku amabhonasi nezinye isinxephezelo izakhamuzi (inhlangano, SP);
• osomabhizinisi ngabanye.

3. Isikhwama Federal kusebenta njengesikhali umshwalense. Kuyinto engenzi nzuzo kwakheka ukuze kuqaliswe ukusebenza kwenqubomgomo isimo emkhakheni we-MLA.

abahlanganyeli

Kuhlelo MMI abakhona:

1. izimali Wendawo. Bona ethulwa njengendlela engenzi nzuzo ezakhiwe ezindaweni ngoba kwenqubomgomo kahulumeni ngokuya ihogela OMC ezindaweni we Russian Federation. Lezi zakhiwo zenza ezithile amandla izinkampani zomshuwalense mayelana ukusebenza kwezinhlelo zesifunda medstrahovaniya saziso.
2. zezempilo. Lezi zihlanganisa inhlangano ezenziwe ku-MLA Bhalisa futhi kokuba ilungelo ukuze bafeze imisebenzi emkhakheni ukunakekelwa kwezempilo kanye umshuwalense wezempilo saziso. Bangakwazi ezakhiwe osomabhizinisi ngabanye noma kube inhlangano noma yiluphi uhlobo zomthetho kuvunyelwa imithetho neziqondiso.
3. izinkampani zomshuwalense wezempilo. Bona bafeze imisebenzi yabo emkhakheni MLA ngesisekelo ilayisensi ekhishwe ogunyaziwe umzimba asimeme. Umshwalense medorganizatsii nokuqalisa ezithile amandla izinkampani zomshuwalense uMthetho Federal № 326 kanye nesivumelwano phezu ngezimali ye-MLA, ubani ne Isikhwama lesifunda.

lokubhalisa

Njengoba kushiwo ngenhla, sifaka medorganizatsii. I ukubhalisa yobukhona babo:

1. Amagama.
2. Uhlu namasevisi anikelwe ngaphakathi kohlaka izinhlelo zesifunda-MMI engalungile.
3. Amakheli.

Isikhwama Wendawo igcina Irejistara ubeka ke nsuku saziso kwi website esemthethweni. Ivunyelwe ukushicilelwa eyengeziwe kolwazi ngezinye izindlela.

nekutfutfukiswa kwetinhlelo

Ngokuhambisana isenzo esisemthethweni № 326 base-ndlela ngekwendzawo kwamiswa CHI. ESahlukweni. 7 kwale dokhumenti ikhombisa uhlu amasevisi, okuyinto afakiwe Uhlelo ngalunye. Kusukela 2013 e isithenjwa isiqondiso kuhlanganisa Usizo lokwelapha okuphuthumayo, futhi ngo-2015 - zobuchwepheshe. Uhlelo evunywe amazinga lesifunda nokazwelonke. isiqondiso Basic osebenza ku lonke, futhi usebenza ngaphakathi ibhizinisi indawo. Izifunda banikezwa ilungelo ukuze ungeze uhlelo oyinhloko amacala yomshuwalense kanye nezinhlobo usizo ezingekho ku-MLA. Ngesikhathi esifanayo babe ukukhokhela ilungiselelo yabo.

Okuyimpoqo umshuwalense wezempilo: inqubomgomo

Moscow kwakuwumuzi wokuqala kuleli zwe lapho le mibhalo kwangena. Ngokuhamba ukuqaliswa kohlelo MLA iye yalungiselela izakhamuzi kwezinye zasemakhaya. Ngaphambi kuka 2011, inqubomgomo MHI wawungewona zonke okufanayo. Kuwo wonke inkampani ukuphrinta ezabo izinhlobo. Kwakumelwe banikwe indawo phezu ukuphela. Uma abantu ngishintsha imisebenzi, ayenakho sokunikela inqubomgomo yakhe umqashi. Lowo Mbhalo wangonyaka we esisha esivimbela kuye ngomunye umqashi. Le nqubo ithatha isikhathi esithile ukuze umuntu wadubula ayikwazanga uthole ukunakekela kwezokwelapha. Uma isakhamuzi baba abangasebenzi, kwakudingeka athole inqubomgomo enhlanganweni, ukuze ukuthathelwa umshuwalense abantu abangasebenzi ngenxa umncintiswano. Ngaleso sikhathi samanje idokhumenti ikhishwe kuzo zonke izakhamuzi futhi ifomu eyodwa yawo wonke izifunda. Unjani-credit card. On the front ohlangothini inqubomgomo yomshuwalense okuyimpoqo wezokwelapha we isampula entsha (lapho inamba kwamadijithi 16) iqukethe chip. It eqoshiwe ulwazi mayelana inkampani elikhiphe idokhumenti. Ulwazi mayelana umuntu oVikelwe khona ama-cards. Bahlanganisa igama, usuku lokuzalwa. Ohlangothini emuva kukhona isithombe bese ndlovu isignesha.

Inqubo yokuthola

Ngaphambili, izakhamuzi banikwa izinqubomgomo ezifunda we-MLA. Ukuze ukwenza ihlelo isimo kwenziwa kancane kancane esikhundleni sawo. POMS ukhonza njengelungu idokhumenti eqinisekisa ilungelo isakhamuzi ukuthola ukunakekelwa kwezempilo kwamahhala kuyo yonke indawo ye Russian Federation ngokwezinga enikeziwe in Uhlelo oluyisisekelo. Ukuze uthole yena uqobo noma ngamanxusa ummeleli wakhe umuntu ungafaka isicelo. Lokhu kungenziwa ngokuqondile endaweni yomshuwalense noma TFOMS medorganizatsiyu. Ngosuku ukwamukela isicelo isakhamuzi ikhishwa isitifiketi yesikhashana. Ushintsha inqubomgomo okuzokhishwa. Lapho lokuphelelwa isikhathi, ngokuvamile 2 amaviki isakhamuzi ithola idokhumenti ngogesi. inqubomgomo Plastic isebenza kuze kube nini. Njengoba ezothatha isikhundla idokhumenti iyatholakala kulezi zimo ezilandelayo:

1. Ukulahlekelwa / umonakalo / bafake.
2. ukushintsha igama

Uma ushintsha indawo yokuhlala / ukubhalisa, isimo isakhamuzi (baqashwe noma abangasebenzi) POMS esikhundleni ayitholakali.

ukubala zokukhokha izinkonzo ezenziwa

Ngaphansi kohlelo isimo MHI wawubekela imithetho eqinile imithetho ephathelene kwenkathi isinxephezelo enikeziwe ekunakekelweni nesineke. Ngo zezempilo manje abe isiqinisekiso sokukhokha izinkonzo ezenziwa isakhamuzi nonresident. Lokhu, kube sekwandisa isithakazelo nezikhungo zezokwelapha ekusizeni abantu. Uma medorganizatsiya umshwalense ukubambezeleka nokukhokhwa kwezimali siqu liyakukhokha kuphindwe sikhungo isigwebo. Ubukhulu bayo ibalwa ngesilinganiso refinancing of Central Bank (1/300) empeleni ngosuku kumiswa ukubambezeleka. Calculus kwenziwa amanani non-efakwe ohlwini nsukuzonke.

Okuyimpoqo umshuwalense wezempilo e Moscow: Isilinganiselwa Inkampani

Uhlu izinhlangano ukusebenza kohlaka uhlelo MLA, esihlelwe ngomumo ngokuvumelana izimfuneko ezithile:

1. Inani izinto POMS.
2. msebenzi.
3. Ukutholakala kolwazi ku amalungelo ezakhamizi.

Ngokusho kochwepheshe, lizinga amandla zezimali akuyona okuphawulekayo ukulungiswa isilinganiso. Lokhu kungenxa yokuthi i-ukumisa imisebenzi yenhlangano ikakhulukazi izakhamuzi abathintekayo cha. Into kuphela elizowela kubo ukwenza - ukuba ukushintsha inqubomgomo. Izinhlangano oyisilomo inhlokodolobha yilezi:

1. "RESO-Med". Inkampani amahhovisi 37, lapho kubulawa POMS. Isheduli abo ehlukile, ezinye zazo zisebenza ubusuku nemini nangezimpelasonto. Phakathi nezinyanga zokuqala 9. 2012 wathola ezingaphezu kuka-200 eziyinkulungwane. Izicelo, zazo 43 kugomela izikhalazo. Le nkampani inikeza ukwaziswa kanjani inselele baphawula / izenzo abasebenzi, izici izinga okusezingeni uhlu medorganizatsy MLA.
2. Msk "Medstroy". Le nkampani ine 4 amaphuzu udaba POMS. Ihhovisi emaphakathi abasebenza ubusuku nemini. Le nkampani inikeza reception kwezicelo elektroniki, kanye ikhokhwe imibhalo ukulethwa. Inhlangano usebenzelana kuphela umshuwalense wezempilo.
3. "Ingosstrakh-M". Inhlangano has 4 amaphuzu udaba POMS. Le nkampani inikeza imisebenzi izakhamizi ukuvikela izithakazelo zabo enkantolo. Inkampani usayinde izinkontileka namakhasimende angaphezu kuka-4.5 million.

Imibuzo okuxoxwa

Ngaphandle inqubomgomo olulodwa OMS, kuphakanyiswa ukwethula kunokuba senze ngendlela evamile amarekhodi ezempilo iphepha-based (amarekhodi zezokwelapha) electronic. Lokhu kungenxa yokuthi lapho ithola udokotela isakhamuzi non-ohlala kudingeka yazi ngezinguquko izifo kanye nezimo isiguli. Izakhamizi ngokuvamile ningathwali nabo amarekhodi zezokwelapha. Ephambi kwezinduna irekhodi wezokwelapha electronic kwi-database olulodwa, noma yimuphi uchwepheshe kunoma iyiphi idolobha kungase ngokushesha uthole lonke ulwazi olufanele. Ngesikhathi esifanayo endaweni nasemazweni amaningana aseYurophu ukusetshenziswa Amarekhodi ngogesi impilo e kunethiwekhi yomhlaba akuvunyelwe. Lokhu kungenxa kungathembeki we yokuvikela idatha izinhlelo siqu.

isiphetho

umshwalense wezokwelapha okuyimpoqo - lokhu kuyisinyathelo esifanelekile abalulekile phambili in the State kokunquma ukuhlinzekwa kosizo lalolo. isofthiwe athuthukile zihlanganisa zonke uhla ezidingekayo amasevisi ukuthi ungathola umuntu khulula. Ukunikeza labantu nge ukufinyelela anakekele ngezithukuthuku umthombo ngezimali, kuqinisekiswa isimo. Umthetho elawula kwenkululeko umshuwalense wezempilo ayimpoqo kwavunyelwana esanda kutholakala. Nokho, isikhathi mthethonqubo, abantu abaningi bakwazi ukuthola eziphuthumayo, oluphuthumayo kanye ukunakekelwa okuhleliwe. Bakhandwa namasevisi ngaphambilini laba bantu abakwazanga ukusizakala enikeziwe. Lamanje inombolo umthetho 326 isebenza kuwo wonke izakhamuzi abahlala kuleli lizwe. Ngenhloso yokulawulwa kwasekuqaleni ukuqinisa siqinisekiso ilungelo lomthethosisekelo isakhamuzi ukukhulula ukwelashwa. Ukuqaliswa bezimiso zawo kunomthelela ukwenyuka kancane ukunakekelwa kwezempilo uxhaso. Lokhu-ke kusho ukulinganisela isimo iziqinisekiso ukunakekelwa kwezempilo kwamahhala ukuba izakhamuzi ngomsebenzi wokubhekelela isimo.

Ukuqaliswa ukulawulwa kunomthelela beqinisa base impahla kanye lobuchwepheshe ukunakekelwa kwempilo. Ngenxa yalokho, umgomo ufinyelelwe, okuyinto ekuqaleni usethe, - ukuthuthukisa izinga nokufinyeleleka kwezokulapha kubantu. Umthetho ulawula imininingwane imithwalo namalungelo abo bonke ababambiqhaza kanye nababambiqhaza, imithetho ngokuhambisana okuyinto okuyimpoqo umshuwalense wezempilo. Moscow kwakuwumuzi wokuqala, lapho waqala ukusebenza ukuhleleka. Namuhla, wadingida isikimu usebenza kulo lonke leli zwe. UMthetho Federal № 326 ulawula ubuhlobo zonke izingxenye uhlelo kuhilela sesimanje we-MLA kanye nokuthuthukiswa okwalandela lonke emkhakheni wezempilo.