BDAR

Telling what graduates need to know about compulsory health insurance

Date

2021 05 04

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Before the end of the school year, the Vilnius Territorial Health Insurance Fund (THIF) has introduced Compulsory Health Insurance (CHI), at the “Facebook“ translation of the Lithuanian student's association at the Vilnius student's self-governance information centre live stream, a topic that is of particular importance to young people leaving school, although they often do not think about it.

Young people graduating from school are insured with the CHI at the expense of the state until 31 August. Until that date, they do not have to pay for treatment in public or private treatment facilities that have a contract with the NHIF. These services are paid for by the Compulsory Health Insurance Fund (CHIF). This may change later, depending on how young people's lives change - whether they study, work or so.

Justina Izotovė, an adviser to the Vilnius THIF Population service department, pointed out the following at the online event “CHI after school - what you need to know” while talking about the CHI: it should be known that people who start their day-time higher education studies immediately after school in European Union (EU) and European Economic Area (EEA) countries will continue to be insured in Lithuania with state funds. Those who choose the part-time study program will have to take care of the insurance themselves.

Students in Lithuania will be automatically insured according to the data of the Student register, and those going to study elsewhere in Europe will have to submit a certificate confirming the student's status to the territorial health insurance fund. It must indicate the place, form, start and end date of studies. For this certificate, you need to apply to the higher education institution where you will be studying. The certificate must be submitted annually upon arrival at the health insurance fund, by post, e-mail, or through an authorized person.

Young people who start studying in the UK this year are not covered by the CHI at public expense - the CHI is only valid for those who started studying before 2020, i.e. before the end of the Brexit transition period. People who have just started their studies, as well as students studying outside the EU or the EEA (such as the US), have to take out private health insurance.

J. Izotovė also pointed out that young people who have not started full-time (day-time) studies, if they do not find employment, do not register with the Employment Service or do not belong to other groups of persons insured with state funds, will have to pay CHI contributions on a monthly basis.

The representative of Vilnius THIF also told about the European Health Insurance Card (EHIC), which should be kept when studying or traveling in other EU or EEA countries and Switzerland. If there is a need for emergency medical care (sudden illness, injury, exacerbation of a chronic illness, etc.), its costs for EHIC holders are also reimbursed from the CHIF budget when the EHIC is referred to medical institutions in the country's health system. The card is issued free of charge to the insured, it can be ordered upon request or online and received by mail.

Martyna Langė, Head of the Legal Department of Vilnius THIF, told about the additional monthly guarantee provided by the CHI, which is relevant when changing the status of any person: after graduation, studies, changing jobs, etc. It is during these periods that a person's CHI is likely to expire (even for a short time). However, if the insurance is prolonged for another month, called an additional one, the CHIF budget-funded medical services are available. It is only necessary to remember that by the end of this additional month, you must pay the CHI contribution yourself.

Particular care should be taken by students who, after leaving school, will start studying later than during the month of September, or will not study, find employment or be registered with the Employment Service. Because their CHI will expire at the end of August and they will have to pay the CHI contribution by the end of September.

Otherwise, the use of reimbursable medical services in September will cause damage to the CHIF budget, which will have to be reimbursed. Importantly, late payment of the CHI contribution does not restore the previous month’s insurance coverage. Consequently, if the September premium is paid in October, the person will not be considered insured in September.

At present, the damage to the CHIF budget due to medical services misused during the additional month ranges from € 10 to € 5,118.

Damage to the CHIF budget is also caused in other cases, such as when an uninsured person uses the EHIC or intentionally or through negligence injures another person and this person is treated with CHIF funds. The person who has caused damage to the CHIF budget is informed about it and claims for compensation. If damages are not paid in good faith, it is recovered.

The live broadcast record, which already exceeds 550 views, can be viewed here. Both reports of Vilnius THIF representatives are available on the website of the National Health Insurance Fund www.ligoniukasa.lrv.lt in the section “Events and announcements”:

Vilnius Territorial Health Insurance Fund information

The NHIF invites you:

Your questions are welcome by email info@vlk.lt or phone: local (8 5) 232 2222, international +370 5 232 2222.