The new compulsory medical insurance policy (MHI), in the form of a card with an electronic data carrier, is available in 2019 for obtaining throughout Moscow.
Why do you need a compulsory medical insurance policy
To present medical professionals, when receiving free medical care.
The policy is valid throughout the territory Russian Federation... Therefore, if you go to travel around the country, it is better to take it with you.
In the absence of a policy, you can only receive emergency assistance.
Who can use the CHI services
All citizens of the Russian Federation, as well as Foreign citizens and stateless persons living in the Russian Federation.
Resident status for foreigners is confirmed by:
- residence permit
- temporary residence permit - compulsory medical insurance is issued for the period of the permit
What services can be obtained under compulsory medical insurance
There is no single list of services that can be provided under the compulsory health insurance program. There are only classes of diseases for which assistance is provided at the expense of the compulsory medical insurance funds.
The range of services will be determined in accordance with the diagnosis, according to the standards that are approved by the Ministry of Health and Social Development of the Russian Federation.
What services are provided for free
Any treatment or diagnostic procedure that has been prescribed by a doctor should be done free of charge.
In addition to what the doctor has appointed, he can also "advise", so whether to follow the advice and pay extra money is up to you.
In any case, no one forbids calling in insurance company and to clarify whether such treatment will be covered.
Do you need to change the old one to a new one
Paper forms of a single sample, issued earlier, act on an equal basis with new ones electronic maps like the old plastic cards without a chip of the sample of 1998. Replacing the old one with a new one is not required.
What are the benefits of the new compulsory medical insurance policy of 2015
- Compact size - easy to carry
- Photo and sample signature - no need to show your passport in a hospital or clinic
- Support for all functions of infomats - electronic terminals installed at the entrance to medical institutions
Where to get a medical policy
In Moscow, there are about a dozen insurance companies:
- JSC "MSK" UralSib "
- JSC "SG" Spasskie Vorota-M "
- SOGAZ-Med Insurance Company JSC
- OOO VTB Medical insurance
- JSC "MAKS-M"
- LLC "MSK" MEDSTRAKH "
- LLC "Rosgosstrakh-Medicine"
- LLC "SMK RESO-MED" (Moscow branch)
- LLC IC "Ingosstrakh-M"
The choice will depend rather on the location of the offices and the availability of a phone number where you can get advice around the clock. The availability of a competent support service will help to sort out a disputable situation with a medical institution.
How to get a compulsory medical insurance policy in Moscow
You need to submit an application to the selected insurance company, most likely you will not have to fill it out, the operator will do it for you. You need to have a passport with you and insurance certificate obligatory pension insurance(SNILS) - if available. For children under 14 years old - a birth certificate.
The policy will be issued to you in 30 days, but for now you will have a temporary certificate that can be used during this period of time. The insurance company will notify you of readiness.
29.05.17 241 023 10
The doctors were shocked when I showed ...
On weekends, I lay at home with an impossible sore throat and a temperature of 39.6.
Throwing in not the first dose of paracetamol for the day, I called the ambulance. They told me that it was a sore throat and that I should call the district police officer on Monday. The ambulance didn't come.
Zhenya Ivanova
was treated and recovered
I typed in the search bar: "What to do if the ambulance refuses to go." At the forum I saw the advice: “Tell me threateningly that now call the insurance company. They will come right away. " I did so. The ambulance arrived. After that, I twice threatened the doctors with a call to the insurance company and once actually called the number indicated on the policy. It helped every time.
The insurance company protects my rights and really guarantees free treatment. But if you do not know the laws, then unscrupulous doctors can deceive you, refuse treatment, and demand additional payment.
I recovered and decided to figure out what your compulsory health insurance guarantees you.
Meet: your compulsory medical insurance policy
Most likely, you already have a compulsory health insurance policy. Your parents made it to you immediately after birth. It is either in your passport or in a drawer with all the important documents.
If you don't have a policy, drop everything and go to register
Without a policy, you will not get any free treatment. Fortunately, you can get or exchange the policy in any city without registration and registration. To do this, take your passport and SNILS with you and go to an insurance company convenient for you, which draws up these policies.
This is a card If there is no SNILS, go first with a passport to the insurance company, then wait 21 days and only then get the policy. Citizens of the Russian Federation, foreign citizens, refugees and stateless persons permanently or temporarily residing in the territory of the Russian Federation, can obtain a policy. Citizens of the Russian Federation are issued a policy for an unlimited period of time. By law, even if you have an old-style policy and it is expired, the insurance will still work. Only until you change your passport data: name, surname, place of residence.
If you came to the clinic with an old expired policy and you are denied treatment, it is illegal. You must be accepted. In clinics, everyone is asked to change policies for documents of a new type, but so far this is only a recommendation. Of course, it is better to heed this recommendation: when a law comes out that terminates the old-style policies, it will not take you by surprise.
What insurance companies provide compulsory medical insurance policies
Compulsory medical insurance is an insurance program, that is, everyone pays a little into the common boiler, and then those who need it are paid from it. The common pot collects the state from entrepreneurs and distributes funds over an extensive system, which, in turn, pay to hospitals. And an insurance company is an intermediary manager that connects you, the hospital and the state.
Insurance companies make money on compulsory medical insurance in the same way as on other services. They are also responsible for the quality of services and discipline in the system. Your first point of contact is an insurance company.
Each region has its own registers of companies that make CHI policies. Just google it.
Where can you be treated with a compulsory medical insurance policy
To get to a clinic in another city or area, you need:
- Choose a clinic. Any, not necessarily the one that is closer to home.
- Find out at the reception which insurance companies work with this clinic. If you have a choice, look at the description of the company on the CMO website. Everyone has the same insurance, but some have more offices, and some have round-the-clock support.
- Come to the insurance company with a passport and SNILS, fill out an application to replace the policy.
- Obtain a temporary certificate. It works like a policy for a month.
- Return to the clinic. Say the code phrase "I want to attach to your clinic" in the registry. Receive the application form, fill it out and return it to the registry.
Now you can get treatment in this clinic for free.
If your insurance company serves the clinic to which you are going to attach, then you do not need to change the policy. But you need to inform the insurance company that you have moved and want to be treated elsewhere. Otherwise, the new clinic will not receive money for your treatment.
Why do you need to attach to the clinic
You need to attach yourself to the polyclinic, because in our country there is a system of per capita financing. Money for your treatment is given only to the institution to which you are assigned. Therefore, you cannot attach to several clinics at once. You can also officially change the clinic no more than once a year. Previously, this can only be done if you have moved. In this case, in the new clinic, you will be asked to write a statement addressed to the head physician.
You cannot attach to a research institute or a hospital, only to a district clinic. And already there, your local therapist will write out referrals to narrow-profile specialists: an eye surgeon, a cardiologist, a chiropractor. Without a referral from a doctor or an ambulance specialist in specialized clinics, you can only be admitted for a fee.
What is UMIAS
In Moscow, the data of all patients are entered into the UMIAS - a unified medical information and analytical system. This simplifies the process of making an appointment with specialists: you can get a ticket to a doctor, cancel or postpone an appointment, get a written prescription at in electronic format... UMIAS even has mobile app.
Please note: if you have moved and decided to attach to a new clinic, then you cannot just take it and do it through the system. You need to write an application addressed to the chief physician and wait for the bureaucratic apparatus to approve it. It may take 7-10 business days. If you are registered on the portal of Moscow state services, then you can submit an application in electronic form. They promise to consider it in 3 working days.
When I faced such a problem, I needed help urgently. And according to the law, they are obliged to help me without any multi-day delays. But in the polyclinic they are afraid that if they treat me before the clumsy car enters new data into the UMIAS, they will not receive money for me from the insurance company.
Right in front of the hospital administrator on duty, I called the insurance company, after which I received the necessary consultations at the hospital for free. I was also examined by a whole commission of department heads, and to this day everyone treats me very carefully.
What is included in the compulsory medical insurance treatment
The Compulsory Health Insurance Act entitles all of us to receive treatment free of charge. And even if your policy has expired, you can still use it.
If you do not have the policy with you, you can still make an appointment with a doctor, they have no right to refuse you.
Although for nurses this is an additional concern, therefore, most likely, they will try to convince you that this is not possible. If this happens, just call the insurance company.
In any unclear situation, call the insurance
The minimum amount of assistance is described in the basic compulsory health insurance program. Whether to add something else to this list, each region decides on its own. The exact list of insured events can be found at any clinic or on the website of the Ministry of Health in your region.
In any case, you can apply the following rule: if something threatens your life and health, it is treated free of charge. If you are generally healthy, but want to feel even better, then most likely you can only do it for money. If the state can help you, but the level of this assistance seems too low for you, you will have to put up with it or pay extra.
Examples of what can and cannot be done under the compulsory medical insurance policy
| It is forbidden | Can |
|---|---|
| Teeth whitening is an aesthetic procedure | To brush your teeth, because it is the prevention of tooth decay |
| Get imported Japanese adult diapers by choosing a brand yourself | Get diapers for an elderly person |
| Remove a couple of extra pounds. Your figure is not insured by the state | Remove boil |
| Wait on exercise therapy for exercises from hatha yoga or a modern gym | Go to physiotherapy exercises |
| Consult a dermatologist if you are worried about simply increased oily skin of the face | See a dermatologist for a serious skin rash |
| Make a denture | Remove the tooth |
Teeth whitening is an aesthetic procedure
Brushing your teeth because it is caries prevention
Get imported Japanese adult diapers by choosing a brand yourself
Get diapers for an elderly person
Remove a couple of extra pounds. Your figure is not insured by the state
Remove boil
Wait on exercise therapy for exercises from Hatha Yoga or the modern gym
Go to physiotherapy exercises
Consult a dermatologist if you are worried about simply increased oily skin of the face
See a dermatologist for a serious skin rash
Make a denture
Remove the tooth
When something hurts, you can get an appointment with a therapist free of charge, who will write a referral to a specialist. If indicated, the therapist should write referrals to any doctors who work in government clinics.
Without a referral, you can make an appointment with a surgeon, gynecologist, dentist and a dermatologist at a dermatovenerologic dispensary. Or make an appointment with a child psychiatrist, surgeon, urologist-andrologist or dentist. The OMS does not guarantee free tests and examinations without a referral from the attending physician.
Once every three years, you can undergo a free medical examination and find out if everything is in order with your health. Clinical examination is carried out for each every three years - that is, if this year you turn 21, 24, 27 years old, and so on.
IN compulsory health insurance program also includes free pain relief and rehabilitation after illness and injury. But once or twice, write down in which case you are supposed to free help on insurance, and where you have to pay yourself, it will not work. There are a lot of nuances in this matter. If you have a rare illness or difficult situation, contact the Federal Compulsory Medical Insurance Fund.
What exactly is not included in the CHI program
The state will not pay for:
- Any treatment without a doctor's prescription.
- Conducting surveys and examinations.
- Home treatment at will, not on special indications.
- Vaccinations outside government programs.
- Spa treatment if you are not a sick child or pensioner.
- Cosmetology services.
- Homeopathy and traditional medicine.
- Dentures.
- Superior rooms - with special meals, personalized care, TV and other pleasures.
- Medicines and medical devices if you are not in hospital.
If the hospital asks for money for services that are not on this list, just in case, call the insurance company and ask if it is legal.
Privileges
People with disabilities, orphans, large families, participants in hostilities and other citizens who are supposed to social benefits, the state is ready to pay for more medical services. Each category has its own list of benefits, you can find them in the department of social protection or find them on the Internet.
Sometimes you are legally entitled to free treatment, but doctors only shrug their shoulders. There may be a queue of up to several months for free rehabilitation, and there may simply not be any pain relievers in your local hospital. It's illegal, but it's a fact of life.
Extortion
Doctors are people too, and nothing human is alien to them. Like any person, getting a lot of money from you right now is more interesting for some doctors than getting a little less money from insurance and much later. Therefore, a whole illegal practice of extortion of money for treatment under compulsory medical insurance has grown in Russia.
This extortion is based on legal illiteracy. It is enough for the doctor to pretend to be smart and take a stern tone for the frightened patients to start throwing money at him. But the slightest sign that the doctor is legally savvy patient - and the tone changes. Therefore, it is very useful to know which medical services are obliged to provide you free of charge.
Remember that the treatment is free only for you. The hospital and the doctor will receive money for this treatment from the health insurance fund. This money was paid to the fund by entrepreneurs, including your employer.
You do not need to pay a second time out of your pocket for what the state guarantees you. Moreover, the doctor is likely to receive payment from the fund anyway, even if you are forced to pay.
You do not pay for the treatment, but the hospital will receive money for it.
If you know for sure that you should and can be treated for free, but the doctor offers to pay, call the insurance company. The insurance number is written on your policy, specialists hotline they will help you.
If you cannot do this, ask your doctor to write a written refusal to provide free medical care. If the doctor is behaving provocatively, you can turn on the recorder, it is legal. If even this does not help, call the department for the protection of citizens' rights in the CHI system.
7 499 973-31-86 - telephone of the department for the protection of citizens' rights in the CHI system
Emergency help is always free
If something really bad happened - you lost consciousness, broke your leg or feel acute pain - you should be helped in any state clinic, even if you don't have any documents with you and you have never received a policy.
The hospital does not have the right to refuse assistance to newborns and children under the age of one year, even if the child's parents do not have a policy and registration. Pregnant women cannot be denied - they can contact any antenatal clinic and in any maternity hospital, even without documents.
All participants in the health care system are just people: acquaintances, friends, brothers, matchmakers and godfathers. They have parents and children. They are all Russians and they work just like any of us.
- If a surgeon demands a bribe for pain relief, then this is not the health care system, it is this particular surgeon, his parents and teachers. This means that his father, somewhere in his childhood, gave him an example that a bribe is normal. How do you feel about bribes yourself?
- If a hospital says that it has no money for medicines, it is not Putin's fault, but some officials who do not know how to draw up budgets. Or the head physician who does not know how to manage money. You have a lot of people you know who do the same things in their jobs.
- After all, when you get your salary in an envelope, it’s your employers who are underpaid to the health insurance fund. Where will the money for your medicines come from, if you have allowed not to pay for them?
It turns out mild schizophrenia: the same person maintains a gray salary and complains about insufficient funding hospitals.
Putin, Navalny, Medvedev, Tinkov or Trump will not solve our health problems. We will solve this problem ourselves if we give our children an example of conscientious attitude to work and the law. To skip classes at the institute was not a feat, but a shame. It was a shame to pass tests for money. To give bribes was against our principles. To know and defend their rights was a duty, not a superpower.
In short: no one will arrive and make us free medicine as in paid Israeli clinics. All the hell that we see in hospitals is not hospitals, it's ourselves. And me too.
Let's start by paying taxes and fees. I have everything, thanks. Sorry for the moralizing tone, but I just got fed up with this whining.
Remember
- If you don't have a policy, drop everything and go to register.
- With a compulsory medical insurance policy, you should be treated free of charge in any state clinic throughout Russia.
- Treatment is free only for you. The hospital and the doctor will receive money for this treatment from the health insurance fund.
- The policy works even if it has expired. If you come to the clinic with an old policy and you are denied treatment, it is illegal.
- In any unclear situation, call your health insurance company. The number is on the policy. Write it down to your phone right now.
- If the insurance does not save you, call Federal fund compulsory health insurance: +7 499 973-31-86.
- If you have spent money on treatment, which should be free of charge by law, write a statement to the insurance company - you must get your money back.
- Emergency assistance is always free, even if you have no documents.
All citizens of the Russian Federation, except for military personnel and persons of equal status, have the right to receive a special health insurance... Also, a compulsory medical insurance policy can be obtained by persons with refugee status or foreigners who have arrived for a permanent or short-term stay on official duties. This also applies to their family members and is regulated by the relevant provision "On legal status foreigners in the Russian Federation ".
In order to get medical insurance, you need to choose an insurer and conclude an agreement with the clinic. Insurance is issued on the basis of an application, no additional payment is required. If the card is issued to a third party (minor children are an exceptional case), it is necessary to take care of a notarized power of attorney.
When applying for a compulsory medical insurance policy, you cannot do without a passport of a citizen of the Russian Federation and SNILS. When filling out medical insurance for a child under 14 years of age, you need to prepare:
- birth certificate;
- identification of the parent or legal guardian;
- SNILS.
Foreigners draw up a compulsory medical insurance policy according to the same system as residents of the Russian Federation, but they provide their civil passport or refugee certificate, as well as a temporary residence permit.
After filling out the documents, a temporary certificate is issued. The term for preparing a paper or plastic policy is 30 business days. The temporary document grants the right to receive the same medical services as under the policy.
Temporary compulsory medical insurance policy
A month later, the insurance company sends an SMS notification of the readiness of the policy to the phone number specified during registration.
Choosing and changing an insurance company
Any person who has reached the age of 18 has the right to freely choose and replace an insurance company. At the same time, for selection, a list is provided, published on the official website of the regional CHI fund, as well as in other publicly available sources. Today there are 8,967 medical organizations operating under the compulsory medical insurance system and 43 insurance companies issuing policies.
Medical insurance is compulsory for children from the moment of birth. Newborns are insured under the mother's policy. The document should be drawn up no later than 1 month after the appearance of the baby. The policy is drawn up by parents (legal guardians, representatives) in an insurance company, where they themselves are insured. Upon the expiration of a calendar month before the child reaches the 18th birthday or the acquisition of legal capacity, the compulsory medical insurance is provided in full by the insurance company, which serves the parent or legal representative.
The application can be submitted both in person and through a representative by issuing a power of attorney. Parents, legal guardians of the child do not need a power of attorney.
Can I get a policy without registration? Easily!
If a person is registered at the place of residence in one region, but lives in another or does not have registration at all, he can receive a compulsory medical insurance policy. According to these rules, an indication of the actual place of residence is required in the application for a policy.
Separately, it is worth contacting people who are used to medical services on VHI or similar paid schemes. You should not shy away from obtaining a compulsory medical insurance policy, because at any time it may be necessary to call an ambulance service (yourself, a child, another family member), and financing "03" is carried out within the compulsory medical insurance framework.
Naturally, if there is a threat to life, you are obliged to provide an urgent medical assistance without a policy and even without a passport. But, if you are not registered in the relevant OMS database, the ambulance employees will face the problem of receiving payment from the fund. Today, you can issue a policy in 10-15 minutes, and even fill out the form at home by downloading it on the MHIF website.
Moving to another city: what to do with the policy?
Change of place of residence does not require replacement insurance policy, because the action extends throughout the territory of the Russian Federation. The city in which you were given it does not matter. It is necessary to report the move to the local branch within a month after the move, while registration or registration is not required.
If the company that issued the policy does not have a branch in the city, you need to contact another organization that specializes in insuring citizens under compulsory medical insurance. The list of insurance companies can be found on the website of the territorial CHI fund.
Nuances for refugees and foreigners of other categories
The right to receive free medical care for stateless people is spelled out in the law of the same name "On Refugees".
Residents of the Russian Federation receive a policy with an unlimited time period, and foreigners officially working in Russia and persons with refugee status can apply for a paper document, the validity period of which coincides with the validity period of the TRP.
Refugees have the right to issue a paper policy, which is issued before 31.12 of the current year, but the term of operation may exceed the final date of stay prescribed in the RVP.
Temporarily staying (on duty) citizens - members of the EAEU can receive a paper policy, which will be valid until the end of the calendar year, but no longer than the period specified in the employment contract.
Foreigners temporarily staying in the country who are members of the collegial Commission of employees of the EAEM bodies and officials take out insurance for a period covering the entire duration of the contract, but no longer than until 31.12 of the current year.
Currently, any citizen of the country should receive free medical care. This right is confirmed by the compulsory health insurance policy. Since the beginning of 2011, each of us can also independently choose an insurer company. Today there are more than 50 companies operating in the country.
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Where can I get a health insurance policy
The issuance of medical policies to employed citizens was previously the responsibility of the employer. He also determined in which health insurance company the employee would be insured. For unemployed and underage citizens, the company was chosen by the state. Everything has changed today.
For several years now, we have been able not only to independently choose a health insurance company, but also to receive medical services not only in our city or region, but throughout the country. Therefore, going on vacation to the other end of the country, you can be sure that in case of illness, medicine will come to the rescue free of charge.
For registration electronic policy you can come to any branch of the insurance company that operates in your area of residence. You can order a health insurance policy, regardless of employment and age. For minor children, a parent or guardian receives the policy.
How to get a new policy?
If you have already decided on the choice of a health insurance company and found out the address where its nearest branch is located, you can go for a new document. Currently, the excitement associated with replacing old-style policies with new ones has subsided and there are no queues in the offices of insurers, so the whole procedure will take a minimum of time.
You will need:
- Fill out an application form, in which you inform about the need to obtain a new policy, a duplicate of a lost one or replace an old one that has expired. The application is drawn up personally by the applicant or a proxy in the presence of a power of attorney issued by a notary.
- Provide the insurer's employee with the necessary documents.
Insurance agent:
- He will examine the authenticity of the documents submitted and enter the necessary information into the common database.
- Take a photo of you (if you agree to have a photo on your medical policy, children under 14 years old do not need a photo on the policy).
- Will advise on the list of services provided for by this type, as well as where you can file a complaint if the services are not provided or are not provided in full.
- Will issue a temporary A5 policy, which will be valid until a new one is received (as a rule, 30 days).
Most insurance companies notify clients that the policy is ready by phone by phone, SMS, or by sending an email message. You can get the policy by coming to the office of the company, or by ordering delivery by courier. In this case, a temporary document will be taken back from you instead of a new one.
Compulsory medical insurance policy services
The list of services provided to the compulsory medical insurance policy is approved annually by the government of the Russian Federation.
The list of services covered by insurance includes:
- emergency medical care;
- outpatient medical care;
- some types of diagnostic procedures;
- hospitalization, when the patient must be under the constant supervision of medical specialists (chronic exacerbations, trauma, poisoning, childbirth, termination of pregnancies, etc.);
- being in a hospital for the purpose of rehabilitation or prevention of diseases;
- treatment and examination using high tech and special equipment;
- educational talks, medical examination and preventive lectures;
- some types of compulsory vaccination;
Also, the insurance covers the cost of medicines and food for the patient if he is in hospital.
Some insurance companies are expanding the list of procedures that patients can undergo free of charge in public medical institutions. In addition, they can contract with private clinics and commercial diagnostic centers. This makes it possible for the owners of the compulsory medical insurance policy to be served in paid clinics. What medical services will be available to patients is determined by the commercial clinic and the insurance company.
Is your policy valid?
Since the beginning of 2014, compulsory medical insurance policies have been in effect in the Russian Federation. They are a plastic card with an electronic chip. Such a card contains all the necessary information about its owner, as well as information about the insured. Also, the policy can be made in a paper version. Until 2014, medical institutions also provided services under old-style policies, but now they are invalid.
Who needs to urgently get a medical policy
A medical policy is required for every person living in our country. Situations when his absence can play a cruel joke on you happen, most often, unexpectedly and you have not to go, but literally run to the insurance company. However, even for healthy people in a number of situations, it is better to order a document as soon as possible.
Cases when you may need to urgently obtain an OMI policy:
- you have moved to another region of the country that is not covered by your insurance company;
- you have a child;
- you have changed your passport or changed your full name;
- you are not satisfied with the quality of insurance services medical company and you want to switch to another.
How to choose an insurance medical organization
A complete list of all insurance companies is available on the website of the territorial compulsory health insurance fund. You will have to choose one of them. The choice of a company should be taken seriously, because it is she who will not only pay for your visits to specialists, but will also be obliged to protect you, as a client, if you encounter a doctor's refusal to examine you or give a referral for examination.
The following points may be decisive in choosing an insurer:
- a large number of insured people indicate that they trust the company and it has sufficient experience;
- the closer the office of the company, the easier it will be to resolve emerging issues;
- the ability to quickly contact an employee and get a telephone consultation;
- presence insurance agent in a medical institution;
In the event that the quality of the services provided by the insurance organization is unsatisfactory, a transfer to another company is possible. True, this can be done only once a year.
Another fact that deserves attention is that the mother and her children are insured by one organization. The same goes for guardians.
What documents are required to obtain an OMS policy?
To issue a medical policy, you do not need to collect numerous documents and make their photocopies. You will need a minimum package, which, as a rule, includes a passport and insurance pension certificate.
Additional documents will be needed for certain categories of persons:
- For citizens of the Russian Federation:
- the passport;
- For children (under 14 years old), citizens of the Russian Federation:
- birth certificate of a child with a mark of citizenship;
- parent's passport;
- SNILS;
- For refugees: a refugee certificate or, in its absence, a document on the examination of an application for recognition as a refugee.
- For foreigners staying on the territory of the Russian Federation:
- passport of a foreign citizen;
- resident card;
- pension insurance certificate (if any);
For how long is the compulsory medical insurance policy issued?
The new medical policy is issued at a time, so it does not have to be changed every year. It will always be considered valid if the person's passport data (full name, citizenship) does not change. A damaged medical policy with an unreadable code or individual number is considered invalid. Such a plastic document should be replaced by contacting the same insurer that issued it.
