Action of the policy. How can I find out the expiration date of my compulsory health insurance policy? The difference between the new and old compulsory medical insurance policy

Citizens of Russia have the right to receive free medical care throughout the country, regardless of their place of registration and residence. This right is granted Federal law“On compulsory health insurance in Russian Federation”, and is guaranteed by the compulsory medical insurance policy. How to apply for a policy, what documents are required and where this can be done in the Moscow region, read the material on the website.

Why do you need a compulsory medical insurance policy?

Source: , press service of "RESO-MED"

If you have a policy, a citizen can seek help from a clinic, hospital, city treatment centers and a number of other medical organizations participating in the compulsory health insurance program. If a resident of the Moscow region has received a policy in the region, then he will also be able to receive additional medical services not included in the state basic program - seek medical care for the treatment of tuberculosis, sexually transmitted diseases, mental disorders and behavioral disorders, including related with the use of psychoactive substances.

The full list of services to which an insured citizen is entitled can be found in the Decree of the Government of the Moscow Region “On the Moscow Regional Program of State Guarantees of Free Medical Care to Citizens.” Such resolutions are published annually. You can view the documents.

How to get a compulsory medical insurance policy

Source: Photobank of the Moscow region, Boris Chubatyuk

Obtaining a compulsory medical insurance policy is quite simple. To do this, you need to collect documents, choose an insurance company and submit an application. The policy is issued for 1 month, during which time the applicant is issued a temporary policy under which all guaranteed services can be obtained.

Required documents

To obtain a compulsory medical insurance policy, an adult resident of the Moscow region will need to present a passport and an insurance certificate of compulsory pension insurance (SNILS). To apply for a policy for a child under 14 years of age, you need to provide the child’s birth certificate, the passport of one of the parents (or legal representative, guardian) and SNILS. Foreign citizens must present an identification document with a note indicating permission for temporary residence in the Russian Federation.

Choosing an insurance company

After collecting everyone necessary documents you need to decide on a medical insurance organization (HIO). It is better to choose it at your place of residence, since in this case the policy makes it possible to receive services not only under the basic federal, but also under the territorial compulsory medical insurance program.

Every year, several health insurance organizations participate in the implementation of the Moscow Regional Compulsory Health Insurance Program. Detailed information about insurance companies can be found on the MHIF website in the section register of insurance companies.

Where to apply

You can apply for an OMF policy directly at the insurance company itself, at the clinic to which the citizen is attached, and at the MFC office. In the latter, the service is provided only for children under 1.5 years old.

The procedure for submitting an application for a compulsory medical insurance policy at an insurance company and clinic can be clarified on the websites of institutions or by calling the telephone numbers listed in the register. As a rule, the application form will be provided on site. The employee will take a copy of the passport (main page and registration page) and SNILS.

Issuing a policy

After submitting the application, a temporary medical policy is issued. It guarantees the right to free medical care in the event of an insured event.

The policy itself is prepared within 30 working days from the date of submission of the application and issuance of the temporary document.

Replacement policy

Policy Compulsory health insurance is a system that allows you to receive most medical services free of charge in any region. It works as follows: every month everyone who works in the Russian Federation makes contributions to the Compulsory Health Insurance Fund. These funds go to medical insurance organizations operating in the compulsory medical insurance system. And they already pay for the work of employees of clinics, hospitals, dispensaries and other medical organizations - according to the number of patients served and services provided to them.

In order to receive medical services free of charge, you must confirm that you are in the compulsory medical insurance system. This can be done by presenting a compulsory medical insurance policy.

">compulsory health insurance (CHI) is a document confirming your right to free medical care in public medical institutions throughout Russia.

2. How to apply for a compulsory medical insurance policy?

To apply for a compulsory medical insurance policy you will need:

passport or temporary identity card if you are changing it;
individual personal account insurance number (SNILS).

If you are taking out a policy for a child, you will need:

application (filled out at the appointment);
child's birth certificate;
a document confirming that you can represent the interests of the child: your passport, an act of the guardianship and trusteeship authority appointing a guardian or trustee, a court decision, and so on;
SNILS number of the child (for children under 14 years old - if available, for children over 14 years old - mandatory).

If your representative will submit the documents, you will additionally need:

representative's passport or temporary identity card, if he changes it;
power of attorney for insurance in the selected organization.

Compulsory medical insurance policy can also be issued To apply for a compulsory medical insurance policy, a foreigner will need:

application (filled out at the appointment);
passport foreign citizen or another document recognized in the Russian Federation as identifying a foreign citizen in accordance with an international treaty;
a residence permit for permanent residents of Russia or a note on a temporary residence permit in the Russian Federation in the passport of a foreign citizen or in another identity document for temporary residents of Russia;
SNILS (if available).

">foreign citizens, To apply for a compulsory medical insurance policy, a stateless person will need:

application (filled out at the appointment);
a document recognized in the Russian Federation as identifying a stateless person in accordance with an international treaty, or a document issued in the Russian Federation to a stateless person who does not have identification documents;
a residence permit for permanent residents of Russia or a note on a temporary residence permit in the Russian Federation in an identity document for temporary residents of Russia;
SNILS (if available).

">stateless persons And To apply for a compulsory medical insurance policy, a refugee will need:

application (filled out at the appointment);
one of the following documents: a refugee certificate, a certificate of consideration of an application for refugee recognition, a copy of the complaint against the decision to deprive refugee status to the Federal Migration Service with a note on acceptance for consideration, a certificate of temporary asylum on the territory of the Russian Federation.

">refugees.

You can submit documents to a medical insurance organization from the register of the Moscow City Compulsory Medical Insurance Fund. Citizens of the Russian Federation registered in Moscow (both adults and children), who have never previously received a compulsory medical insurance policy, can apply for a policy both at the insurance company and at any public service center, regardless of the region of registration.

Please note: before registering the birth of a child and for 30 days after that, medical insurance for the child is provided by the same insurance company that insures his mother or other legal representative. After this period, one of the parents or another legal representative may choose another insurance company for the child.

The compulsory medical insurance policy will be ready within 30 working days after registration of the application and documents submitted by you. During this time, on the day of your application, you will be given a temporary policy, which you can use as usual.

3. How to change or restore your compulsory medical insurance policy?

If you are satisfied with your insurance company, you need to change your compulsory medical insurance policy or issue a duplicate in cases where:

you changed your place of residence, full name or other data in your identity document - within a month;
you have discovered an inaccuracy in the personal data specified in the document;
you have an old-style compulsory health insurance policy (green A4 sheet or plastic card), but you want a new document (blue A5 sheet or three-color plastic card);
you have spoiled or lost your compulsory medical insurance policy.

To replace or obtain a duplicate policy, you will need the same documents as for the initial registration. If your personal data, place of residence has changed, or inaccuracies have been discovered in the issued compulsory medical insurance policy, you will also need documents confirming this.

You need to contact your insurance company. IN

when a duplicate policy is needed - provided that the previous policy was of a new type and issued in Moscow;

when you need to replace an old-style compulsory medical insurance policy with a new-style one - provided that the old policy was issued in Moscow and your personal data has not changed since then;

when you need to replace your compulsory medical insurance policy due to a change in personal data: last name, first name, residential address - provided that you have a new type of policy and it was issued in Moscow.

">in some cases you can also contact any center in the city, regardless of where you are registered.

If you want to change your insurer, you need to apply for a new policy from the organization you like. But please note that general rule You can change your insurance company no more than once a year. If you have changed your place of residence or your insurance company has ceased operations, you can do so more often. However, from November 1 to December 31, applications to change the insurance company are not accepted.

Within 30 days after registration of your submitted application and documents, you will be issued a new sample compulsory medical insurance policy (old sample policies are no longer issued). During this time, you will be given a temporary policy, which you can use as usual.

4. Is it possible to apply for a compulsory medical insurance policy online?

Adult users of the Official Website of the Moscow Mayor who have a full (confirmed) account and who have personal account SNILS is indicated.

To apply for (replace, restore) a compulsory medical insurance policy online, you will need:

scanned copy of an identity document;
Black and white photograph 320x400 pixels in size, up to 5 MB in format: JPG, JPEG, JPE.">photography(when ordering a compulsory medical insurance policy in the form of a plastic card with electronic media)
A scanned copy of the signature in black and white, 160x736 pixels in size, up to 5 MB in size in the following formats: JPG, JPEG, JPE. The size of a handwritten signature should not exceed 10x46 mm.">scanned copy of the signature(when ordering a compulsory medical insurance policy in the form of a plastic card with electronic media);
compulsory medical insurance policy number (if available).

After you submit the documents, a temporary certificate will be available for download in your personal account. The compulsory medical insurance policy itself will be ready within 30 days after registration of the submitted documents. You will be able to receive it at your chosen point for issuing policies of a medical insurance organization or at a government services center (depending on which method of receipt you specify when submitting documents).

5. How to check if my compulsory medical insurance policy is valid?

6. What medical services can be obtained free of charge under the compulsory medical insurance policy?

Under the compulsory medical insurance policy throughout Russia (regardless of where it is issued), you can receive free Medical services are provided in medical organizations participating in the implementation of territorial compulsory medical insurance programs to the extent established by the basic compulsory health insurance program.

Since 2011, Russia began to use a uniform compulsory health insurance policy - a plastic card, which, unlike previous samples, contains a chip with the patient’s personal data. The card also contains a photo and personal signature of the owner, which makes it difficult for unauthorized persons to use it.

As explained by the Moscow City Compulsory Health Insurance Fund, the new policy is more convenient for health workers if a person goes to a clinic or hospital other than their place of residence.

Do I need to issue a new policy before November 1st?

As reported by the Compulsory Medical Insurance Fund, all types of policies previously issued in Russia are perpetual, be it a paper document or an old-style plastic card. Medical assistance under compulsory health insurance programs will be provided in full.

There is no time limit for obtaining a new policy. Therefore, it is not at all necessary to exchange old policies for new ones before November 1.

According to the law on compulsory health insurance in the Russian Federation, old models of policies are valid until they are replaced with new ones.

In fact, before November 1, you need to change the insurance company if for some reason the citizen is not satisfied with it. After November 1 until January 2019, this cannot be done. Such a pause, in accordance with the law, occurs every year. You can change your insurance company once per calendar year.

In what cases is the policy changed?

A person can change the policy if its format is paper. This will be appropriate, since the barcode located on a piece of paper may be erased, the form itself may become wrinkled, and such a policy cannot be laminated. A plastic card is easier to use (the old style green plastic card can also be replaced).

You can also change your policy together with the insurance company. If the latter does not suit you, you can choose a better organization.

If a citizen’s personal data (last name, first name, patronymic, date and place of birth) or gender has changed, he will have to receive a new policy within a month. In the case of a new place of residence, the policy does not change, but changes are made to the information about the insured person.

If a citizen has lost an insurance document or inaccuracies are found in it, he will also be issued a new policy.

Replacement of the policy is free of charge.

How to get a new type of policy in Moscow

To change your policy, you need to contact the insurance company or the MFC.

An application and the following documents will be required:

Passport (original + copy),

Photo for later placement on the card,

Old policy.

To get a policy for a child, you will need the parent’s passport, the child’s birth certificate and his SNILS. In this case, newborns up to 30 days after registration of birth are covered under the mother’s policy.

Now any clinic providing emergency care or long-term treatment, as well as local doctors coming to your home for an examination, will definitely ask you to present a passport and medical insurance. This is a document issued by an insurance company to receive medical services free of charge.

To make it convenient, comfortable and practical, it was decided to improve the existing document. Further in the article we will learn in more detail what a new plastic compulsory medical insurance policy card is, the place where it can be obtained and who has the right to take advantage of such an innovation.

The issue of compulsory health insurance has always been relevant, and in order to receive free help it was necessary to take out an insurance policy. Control over this was previously assigned to employers, student organizations, school and preschool institutions.

In 2011, the system for introducing compulsory insurance for citizens began to transform and, in order to unify and regulate the process of issuing forms, they decided to issue a single perpetual compulsory medical insurance policy on blue paper.

It is issued on a sheet equal to A5 format and is valid throughout Russia, regardless of place of residence and registration. But, the use of paper insurance, unprotected from mechanical damage, is impractical.

But since 2015, medicine has been able to change its approach and found a solution to this problem. Now policyholders have begun to be issued an electronic compulsory medical insurance policy. It looks like a plastic card equipped with a chip, which contains all the information about its owner.

The essence of this decision is simple: everyone who, under mandatory conditions, was issued by insurance companies with policies that have a limited validity period, after its expiration, has the right to apply there in order to receive a new insurance with an electronic medium.

What does the new compulsory medical insurance policy look like?

The new compulsory medical insurance policy is in the format of a regular plastic card, similar to a bank card, which we use every day to manage our own funds.

Its single sample is decorated with the colors of the Russian tricolor, and on the front side there is the following information:

Image of the coat of arms of the Russian Federation;
Insurance system logo;
Chip and policy number;
SK name.

All personal information is indicated on the back side. Here is a photo, full name, date of birth and gender. You will be asked to sign. When looking at this form, you will definitely notice a hologram confirming the authenticity of the insurance.

There is also a telephone number of the fund that issued the document. The validity period of the compulsory medical insurance policy is 5 years. That is, after this time you will have to exchange the card again.

Difference from paper

New medicine with such insurance allows you to receive free treatment, defining the list of services available to the consumer. So, when going to clinics, medical institutions, hospitals in our country, we have the right to service, assistance, and provision of certain medications.

Not all regions are ready to accept modern system and take advantage of it. Thus, the lack of complete data about your company can seriously complicate treatment and provoke additional difficulties. But the new policy has a number of differences from the old one.

Size. The small format allows you to receive a plastic card and store it in a wallet or passport cover, which is more convenient for the owner. When the paper version was not allowed to be laminated or folded crosswise, it required special handling.
Material. The electronic compulsory medical insurance policy has a plastic base and is practically not subject to mechanical or physical influences. Paper insurance is easy to wrinkle.
Data security. In the new Compulsory medical insurance program protection is provided against the use of services by other persons, since the citizen’s personal information is now printed on the card, as well as a photo is posted. Such insignia and chips make it possible to create a unified information base of policyholders.

Where to get a plastic compulsory health insurance card

The compulsory medical insurance system extends throughout the Russian Federation, therefore all citizens can protect their lives. This means that the working population, pensioners, students and schoolchildren, and even newly born babies and the unemployed can count on protecting their health.

There are several ways to receive a card:

Protective organization (SC). Having brought the old-style insurance, a paper form, you will replace it with plastic without wasting time and effort. The operator will have access to your series and compulsory medical insurance policy number using a single database. There he will see your personal data.
MFC. The multifunctional system for providing state and municipal services will accept your documents. You need to register an application and within 14 days, an SMS about the completed service will be sent to the specified number. https://www.mos.ru/pgu/ru/md/
Branch office of the compulsory health insurance fund. New medicine allows you to contact this organization and issue insurance within 10 days.
State Services Portal. You can apply for compulsory medical insurance policy online. To do this, you need to fill out the form electronically, enter all the necessary information and select a pickup point that is geographically close to you. https://gosuslugi.help/polis-oms.html

Insurance companies

Compulsory medical insurance allows you to choose your own insurance company. This means that if you are not satisfied with the quality of the services provided, then replacing the insurance agent is possible once a year.

There are many companies working in the field of insurance of citizens, here are some of them:

"VTB Medical Insurance"
"Spassky Gate -M";
"Ingosstrakh-M";
"RGS Medicine";
Uralsib;
“Consent -M”, etc.

The list may be endless, but they are all suitable for protection. The rating of their popularity changes depending on the requests of insured citizens, but these are huge companies and it will be more convenient to get a new type of policy here.

Registration of a new electronic policy

The new compulsory medical insurance policy, as you already understand, looks like a plastic card. But it's not important appearance insurance, and how it is issued and the list of documents required in the future.

You will be asked to present:

Passport of a citizen of the Russian Federation;
An application filled out on the form of the insurance company engaged in protection;
When applying for a new type of insurance for a child under 14 years of age, metrics (birth certificate) are required.

In 2018, you can protect yourself and get a card within 30 days. During this time, the policyholder is given a temporary certificate, which replaces the card, but it also contains the number and series, as well as personal data.

So, if during the allotted time to prepare the card you will have to receive help or treatment, be in a hospital, buy medications, consult a doctor, then feel free to use temporary insurance.

When filling out the application, write down the phone number to contact the operator. Compulsory medical insurance policies are usually changed quickly, no more than 11 days. But try to control the whole process yourself and don’t wait for someone to call you; for these purposes, take the operator’s number.

Pros and cons of new policies

We told you how to replace compulsory medical insurance by last name with a new plastic format, but how to use such a document? The opportunities that a plastic card provides have not yet been fully implemented in many regions and therefore there is a possibility that you will not receive proper treatment and the required services for free. The table shows some of the pros and cons of both types of protection.

Type of insurance	Advantages	Flaws
Old sample	Right to make changes to the form	Inconvenient to use
Old sample	Commonly used by medical professionals	Possibility to receive services from third parties
New sample	Mobility, durability, ease of use	Lack of device in medical institution for reading the policy
	High level of protection	When changing data, be sure to get a new policy
	No outside use	Not every insurer is able to issue a new policy

Both insurances have equal legal force and are not subject to any differences in medical care.

Moscow and region

Compulsory medical insurance points allow you to obtain a policy. And this is allowed both during the initial application and for other reasons.:

When changing personal data. Marriage, a different place of residence, a first name or patronymic necessarily contributes to the new (re-) entry of information;
Incorrectly entered information. When applying for insurance, the operator made an inaccuracy that requires it to be replaced;
If it is lost. There are many reasons for such an accident. But, if a loss occurs, write an application for restoration;
Indecent state. If you understand that the document is damaged and in obscene condition, it must be replaced.

Places for obtaining compulsory medical insurance policies in Moscow are mainly associated with the addresses of insurance companies.

In the Moscow region, it’s easier to apply for and find out if a compulsory medical insurance policy is ready at MFC branches, at addresses such as:

Shchelkovo, st. Svirskaya, 2 A;
Orekhovo-Zuevo, st. Lenina, 96 A;
Lyubertsy, Oktyabrsky Avenue, 190;
Balashikha, st. Sovetskaya, 4.

Where is the number and series located on the policy?

For the insurance organization where the cards are issued, there is no difference between citizens and their status. This means that an unemployed or retired person, a school student or an ordinary worker has the right to use the services of the compulsory medical insurance policy on an equal basis. Therefore, the appearance of the card is uniform. Only insurance issued for a child under 14 years old is eligible for the exception.

In the case of a child's card, the child's photo is not posted. On the front side of the card there is a series and number of the compulsory medical insurance policy in the form of a 16-digit code. Due to the chip on which the information is stored, the devices quickly recognize the data and identify the owner of the insurance. So, if you lose a card after replacing it from paper to plastic, you can use the number to restore all the data and the card itself.

What is the validity period of the new compulsory medical insurance policy?

Early replacement is made only in the event of a change in information or in case of loss. How to restore the compulsory medical insurance policy in this case? Report the incident to your insurance organization, take your passport and write an application. There they will quickly help you restore the document.

The new insurance format has limitations, which means its usefulness will extend for no more than 5 years. You can determine the expiration date of your card by looking at the back of it. When the specified period begins to come to an end, a replacement is required.

The replacement process will not take much time, since the list of documents will not change. All you need to do is write an application and wait for a new card within 1 month.

By paying compulsory medical insurance contributions to the employer, we have the right to independently choose the institution where we are ready to receive services, the insurer, and even between types of insurance. Everyone can independently determine which of them is convenient, and the order of further actions will depend only on your decision.

According to the legislation of the Russian Federation, every resident of the country must have an insurance policy for medical protection. To do this, when filling out an application, a document is issued confirming the existence of such an agreement with a certain company. In connection with the emergence of its new forms, the need arose to switch to them. How to change an old-style compulsory medical insurance policy to a new one will be explained in this article.

The requirements for drawing up a health insurance contract are described in Section 3 of the Compulsory Medical Insurance Rules. They also specify its types and data that must be recorded. That is, the information has a standardized form. In 2018, policyholders may have several contract options on hand:

paper A5 format
plastic, similar to bank cards
plastic – universal electronic card (UEC)

At the beginning of 2017, the release of the UEC version was suspended. From this period, it is not considered mandatory for provision, although it was planned to switch to service in government institutions using them, as well as as a travel ticket or wallet. Thus, on the territory of the Russian Federation today the most relevant are the regular paper version of the new sample and the plastic card. The latter is not accepted everywhere, as it requires a reading device.

New sample policy and its features

The new compulsory medical insurance policy is:

paper version, printed on blue form (introduced in 2011)
electronic plastic card (used since 2014)

It doesn't hurt to have both options, since in case of loss you can use the second option. Different insurers have the same type of policies. This is an A5 form on the second side of which information about the insurance company itself appears. Many insured persons are wondering where the policy number and series are located, since this information often required to fill out documents. On a plastic card it is printed on the front side. On the paper version of the new sample it is also on the front. At the same time, there is now no series, like the old policies, there is only a sequence of 16 digits.

The document is issued in one copy. If there is a loss or the paper is lost, do not worry, as it is not difficult to restore it or write an application to get a new one.

The advantages of owning new types of compulsory medical insurance include:

When taking out a policy, the rights of a person who is a citizen of Russia with regard to medical care opportunities are expanded. Thus, assistance should be provided to him anywhere in the country, regardless of the registration address in the passport
services are provided not only in public institutions, but also in private ones
the introduction of an electronic system for recording patient data allows for faster service by the registry department
To enter data on a change of surname and registration address, the issuance of a new policy is not mandatory
An electronic card can be issued to all clients of insurance companies. This does not depend on a person’s employment, since medical insurance also applies to unemployed citizens

As a rule, the list of services provided under compulsory medical insurance is standardized. If you want to increase or expand their list, you can apply for additional VHI insurance. This is a voluntary, optional type that costs more depending on the amount of insurance coverage. Its possession extends to the use of even assistance abroad, allows you to be served without waiting in line, except in cases that are subject to restrictions on this issue.

How long is the policy valid?

Cards are issued by insurance companies with no expiration date for users. Paper versions were previously issued for a period of 1–5 years. New options also have no restrictions on use. They are issued to persons who apply for them for the first time (newborns, foreigners). Others receive them as a result of applying for a replacement or restoration of loss.

There are other conditions that affect the need for replacement:

change of surname
passport replacement

Important! The use of an expired policy is not a reason for refusal of service, but it can be a problem when preparing some documents.

Replacing an old-style policy with a new one - procedure

The essence of the process of replacing an old insurance policy with a new one is to write an application setting out the request and submit it to the insurer. Based on this, the old contract is canceled and a new one is issued. At the same time, you do not need to pay for registration, the form or card itself. If any data has been changed since the initial application (registration, last name), then you need to provide a document confirming this. If the goal is to replace not only the compulsory medical insurance policy, but also the insurer from whom the service is provided, then you need to collect a complete set of documents and go to the right company.

Important! A change of insurer can be made no more than once a year. Calculation begins on November 1 of each year.

The general list of actions to replace the compulsory medical insurance agreement is as follows:

Find an insurer. If there is no goal to replace him, the application is made to your own insurance company. When searching for a new one, you can be guided by the reviews of friends, the convenience of its location, the rating in the list of other insurers, including the percentage of payments
Collect documents. These include the old policy and other documents in accordance with the list below
Come to the office in person or apply online to write an application and submit copies of documents
Receive a temporary version of compulsory medical insurance for a period of 30 days
Visit the office to sign and receive the original insurance. This also applies to the option with remote ordering, since you need to sign in person

Important! A citizen of the Russian Federation has the right to independently choose an insurer. Assistance should be provided without being tied to a specific representative, despite the fact that cooperation agreements may not be concluded with everyone.

Required documents

When issuing, the applicant’s status and age are taken into account. Depending on this data, the main package of documents is formed. Let's consider options for different applicants:

Children. These include newborns and up to 14 years of age. They require:

birth certificates
ID card from one of the parents or persons legally representing them (guardians)
power of attorney, if the application is made on behalf of the above category of persons
SNILS (parents are not required for the paper version and are needed for the electronic version)

For a foreigner:

refugee certificate, if such status has been issued
passport or other identity document
document confirming the legality of stay in the country
place of registration
SNILS if available

For Russians over 14 years old, an identity card, SNILS, and a document confirming registration are required.

Registration deadlines

According to unofficial statistics, the time required to wait for the issuance of the original compulsory medical insurance policy is 10 days. Depending on the insurer’s workload, the period increases to 1.5 weeks, but the maximum is 30 days (clause 5 of the Compulsory Medical Insurance Rules). The same period is established for the activity of a temporary option, which is issued at the client’s request after completing all the papers and submitting an application. If you apply through MFC centers, the time frame may be longer by 2 days, since postal delivery is also required.

Conditions for mandatory replacement

The list of conditions, the consideration of which requires the implementation of actions to replace the policy, consists of the following list:

change of surname
change of place of residence, and, accordingly, registration
change of data on place of birth, date
if there is an error in the policy data
moving to another job (not always relevant)

Conclusion

Based on the above, it should be concluded that they will not necessarily replace the old policy with a new one. It is advisable to do this if its validity period has expired or the situation corresponds to one of the above. To complete the procedure, you must contact the insurer with documents. There is no need to pay anything, and there are no late fees.