In the insurance market Medical Insurance Company URALSIB appeared in 1994. It provides its services to Russian citizens, attracting clients to conclude an agreement on compulsory medical insurance.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Over the years of activity, the company has become one of the leading ones, having gained fame among the population. A developed branch network in the regions of the country, staffed by highly qualified specialists, can be called one of its advantages.

Policy Features

The program for (abbreviated CHI) refers to the system for social protection interests of citizens, which is carried out by the state in the field of public health protection.

It provides guaranteed medical care regardless of gender, age, legal status, place of permanent residence.

When concluding an insurance contract, citizens are issued a CHI policy, which is an official document.

The compulsory medical insurance policy provides an opportunity for Russian citizens to receive free services from healthcare workers:

• in polyclinics;
• in trauma centers;
• in dental clinics at the place of residence;
• in city and inter-district medical and diagnostic centers;
• in dispensaries of oncology, skin and venereal diseases.

Moreover, the above institutions should take part in the implementation CHI programs.

Benefits of CHI at Uralsib

Compulsory medical insurance programs implemented by the URALSIB insurance group provide medical care Russian citizens free of charge in various medical institutions.

The URALSIB insurance group supports customers around the clock, as it has a medical dispatch service.

Medical care is provided by highly qualified doctors who can resolve any problems associated with a violation of the normal functioning of the body.

It controls the quality of the medical care taking over the regulation contentious issues that arise between the insured person and employees of medical institutions.

The insurance group strives to protect the rights of its clients so that they can receive quality medical care in full.

The main advantages of insurance in it are:

• experience in the insurance services market, which allows solving various issues by highly qualified specialists;
• the possession of reliability, manifested in the conduct of business in many areas, guaranteeing the fulfillment of the obligations assigned to it;
• the phenomenon of scale, enclosed in a developed network of branches and representative offices that serve customers at the proper level;
• equipping the group with the latest technologies that allow organizing interactions with insured persons and medical institutions appropriately in a short time to carry out the issuance of the CHI policy.

How to get

The policy is issued according to a certain procedure in accordance with the instructions of Article 46 of the Federal Law of the Russian Federation, which approves the conditions for the acquisition and operation of the CHI policy.

To purchase a policy, the client must personally or with the assistance of a representative submit an application drawn up on a form with a unified form to an insurance medical organization or territorial fund. Its content is an appeal to elect an insurance medical organization.

The insurance group issues a temporary certificate that has all the features of the CHI policy. The application is accompanied by a list of documents, which include:

• children under 14 years of age - a birth certificate, an official document of one of his parents;
• citizens from the age of 14 - a passport, which is an identity card, if it was insured in the field of compulsory pension insurance, then the insurance number for pension insurance;
• for persons with refugee status - a certificate or business paper on the consideration of the application, the content of which is recognition of him as a refugee. This provision is enshrined in federal law;
• citizens of foreign states who permanently reside in the country - a passport or any other document confirming his identity, permits for residence in the Russian Federation, if available, an individual personal account number according to the SSOPS;
• persons who do not have Russian citizenship who live in it permanently - a passport or a document certifying personal data, permit papers for residence, if any;
• citizens of other countries who live on the territory of the Federation for a limited time - a passport or other official paper, which is established by federal legislative acts or recognized in accordance with the terms of an agreement concluded by the Russian Federation with others, the personal account number of a personalized account;
• stateless persons who reside in the country temporarily - a certificate recognized in accordance with international treaty Russian Federation as an official document, where a note allowing residence is made or business paper proving the identity of the applicant, if SNILS is available;
• to the principal of the insured person - a passport, a power of attorney issued through a notary's office.

The procedure for appealing against actions when issuing insurance

If offenses are committed, any Russian citizen can appeal against decisions, actions or inactions of employees who work in an insurance medical organization, implementing the compulsory medical insurance program.

The insured person may apply to the head of the structural subdivision or to the higher management with a complaint, which may be expressed orally and in writing.

The management of the CMO accepts an application in person, but you must make an appointment in advance. At a personal appointment, the applicant must present a passport.

When expressing a complaint orally, it must be recorded in the log of incoming information. If the facts and circumstances of the basis of the complaint took place, then the answer to it is provided orally at the personal reception of the management.

If the claim was made in writing, then it shall indicate:

• the name of the CMO, its structural subdivision;
• surname, name, patronymic of the official to whom the complaint is addressed;
• personal data of the applicant;
• Contact details;
• position, surname, name and patronymic of the employee of the CMO, the decision, action or inaction of which is subject to appeal;
• the essence of the issue on which the rights of the applicant are violated;
• intelligence, official documents or their copies directly related to the cause of the claim.

The application is signed and dated. The claim statement is analyzed within 30 days, counted from the date of its submission, after which an answer is given to the applicant. If the decision of the issue did not satisfy the applicant, then he can appeal against it in court.

Rights and obligations of the insured persons

The insured person is granted rights under the rules of compulsory medical insurance, allowing to receive assistance from a health worker without paying for their services.

They are established in force regulations. The volume and conditions of its provision are determined by the Basic CHI Program.

These include the rights:

• choose an insurance medical organization at will, for which he must submit an application;
• he can change the CMO once during the year if it does not meet the requirements of the applicant before November of the current year;
• choose a medical institution from those that take part in the implementation of the CHI program in accordance with legislative acts;
• choose the attending physician at his own discretion, for which he submits an application to the CMO;
• receive any information regarding the state of his health and methods of treatment from employees of regional funds, HMOs and medical institutions;
• demand the protection of personal data that were transferred for entry into a personalized account maintained in the MHI system;
• demand payments from the insurance medical organization for the harm that was caused to him as a result of non-fulfillment or improper fulfillment of the obligations assigned to the health insurance organization for organizing the provision of medical services;
• demand protection of rights and legitimate interests under the CHI program.

JSC MSK "UralSib" - small in terms of fees insurance organization engaged in compulsory health insurance. It is part of the RESO Insurance Group. At the end of 2017, the company is in 11th place among Russian insurers in the compulsory medical insurance market in terms of the number of insured persons, the number of which is more than 2.8 million people (market share is 2%). The company has one branch in Ufa (Republic of Bashkortostan) and about 40 agencies in the Russian Federation. The head office is located in Podolsk (Moscow region).

According to the extract from the Unified State Register of Legal Entities, as of October 01, 2018, JSC MSK UralSib ceased to operate as a legal entity due to reorganization in the form of a merger with SMK RESO-Med LLC.

JSC MSK "UralSib" originates from the establishment of the Open Joint Stock Company "State Insurance Medical Company "Podmoskovye-Med" in December 1994. In October 1997, the insurance company was renamed Open Joint-Stock Company"Insurance company of law enforcement agencies-Med-Podmoskovye". In 2004, 79.9% of the shares of OAO Insurance Company of Law Enforcement Bodies-Med-Podmoskovye were transferred to CJSC Insurance Group UralSib. At the same time, it was decided to change the name of the company to Open Joint Stock Company Medical Insurance Company UralSib (OJSC MSK UralSib).

The company operates in the market of compulsory and voluntary medical insurance in Moscow, the Moscow region and the Republic of Bashkortostan. In the MHI market of Moscow, MSK UralSib acts as a specialized company operating with medical institutions of departmental subordination. In the CHI system, he cooperates with the central medical institutions of the Ministry of Defense of the Russian Federation, the Ministry of Internal Affairs of the Russian Federation, the Main Directorate of Internal Affairs of Moscow, Federal Service tax police Russian Federation, the Ministry of Emergency Situations of Russia, the Federal Agency for Government Communications and Information under the President of the Russian Federation.

JSC MSK "UralSib" is a member of the Moscow Association of Medical Insurance Organizations and the All-Russian Union of Insurers.

Until November 13, 2016, the sole shareholder of the company was a large universal federal-scale insurance company UralSib Insurance Group JSC, a key member of the UralSib Insurance Group of the same name. Since November 14, 2016, the shareholders of the company are: GrandStroyPrestige LLC (24%), Adjuster LLC (19%), TMB LLC (19%), Profit LLC (19%) and Limited Partnership Special Opportunities "and the company" (19%). In March 2017, the FAS Russia granted the request of RESO-Garantiya to acquire 100% of the voting shares of JSC MSK UralSib. At present, the company is part of the RESO* group, and the direct shareholders of the company are SPAO RESO-Garantia (81% stake) and OOO SMK RESO-Med (19%). Sergey and Nikolai Sarkisov are the ultimate parties with control over the company. In March 2018 extraordinary general meeting shareholders of JSC "MSK "UralSib" decided to reorganize the company in the form of its merger with LLC "SMK RESO-Med".

In 2013-2014, the company's activities show an increase in fees for voluntary insurance by 35.06% and 7%, which corresponds to 16.11 million and 17.24 million rubles of premiums. The next period is characterized by a significant reduction in the volume of receipts: in 2015 - by 21.07%, and at the end of 2016 - by 72.75%. The volume of accrued premiums for voluntary insurance in 2016 amounted to 3.71 million rubles (the same indicator in 2015 - 13.61 million rubles), the amount of payments reached 5.78 million rubles, the level of payments - 156.03%. In 2017, there were no fees for voluntary insurance, payments amounted to 53 thousand rubles. In the current period, the company did not resume VMI activities.

At the end of 2017 net profit of the company according to the reporting under RAS amounted to 116 million rubles, total income according to IFRS is 111.37 million rubles. The insurer completed the previous year with a RAS profit of 77.2 million rubles and IFRS income of 85.63 million rubles.

"Expert RA" withdrew without confirmation the rating of reliability and quality of services of the insurance medical organization MSK UralSib due to the lack of information for the application of the methodology and the expiration of the rating (date of event - May 3, 2017). Previously, the company had a rating of A "High level of reliability and quality of services" with a stable outlook.

Management: Yuri Demin ( CEO), Alla Chuvileva (chief accountant).

As of August 1, 2018, 2,815,000 people were insured with the UralSib SMK under compulsory health insurance.

Electronic compulsory medical insurance policy (EPOMS) is a document in the form plastic card, which confirms the right of a citizen to receive free medical care throughout the territory Russian Federation in the amount provided for by the basic program of compulsory medical insurance.

From 05/01/2017, in accordance with the letter Federal Fund of Compulsory Medical Insurance dated April 25, 2017 No. 107/91/2017, the issuance of electronic CHI policies in the Russian Federation was resumed

We invite you to receive an electronic compulsory medical insurance policy at the office of MSK Uralsib, which you can choose link .

An electronic MHI policy can only be issued by citizens of the Russian Federation.

A plastic policy is one of the types of compulsory health insurance policy.on a par with an ordinary paper policy and a universal electronic card. A chip containing the personal data of the insured is embedded in the policy, and a photograph and a personal signature are applied on the reverse side, which prevents the document from being used by another person.

The term for the production of an electronic policy is 30 working days. For this period, the insured receives a temporary certificate, which gives the right to seek medical assistance.

Together with the electronic policy, the insured person receives a letter with secret PIN and PUK codes. These codes are highly recommended to keep.
In accordance with the law, a citizen insured under compulsory medical insurance has the right to change the insurance company and in order not to issue a document again, the electronic compulsory medical insurance policy allows you to record information about the newly selected insurance medical organization.
The PIN code will be required to confirm that the information is entered with the consent of the policyholder.
The PUK code is required in order to remove the error that occurs when the PIN code is entered incorrectly three times.
If you lose your PIN and PUK code, access to change information on plastic policy Compulsory medical insurance will not be possible, however, the compulsory medical insurance policy will not expire until the moment when changes are required.

All CHI policies are issued and issued free of charge.

Refine the list required documents and get answers to your questions in compulsory medical insurance You can call the 24-hour toll-free " hotline» 8 800 250 70 32 .

Please note that the issuance of EPOMS does not cancel the validity of MHI policies received earlier. In accordance with federal law dated November 29, 2010 No. 326-FZ “On Compulsory Medical Insurance in the Russian Federation”, compulsory medical insurance policies continue to be valid until they are replaced with new ones.

Advantages of an electronic policy:

• modern, technological a high degree protection. A chip is embedded in the policy to identify the insured, and on the reverse side there is a photo and personal signature of the owner;

• compact. The dimensions of the policy are the same as bank card. It is convenient to carry with you and take on the road;

• damage resistant. The policy is made of durable material, does not tear, wrinkle or get dirty.

Joint Stock Company "Medical Insurance Company "UralSib" (JSC "MSK "UralSib") has been operating in the field of compulsory and voluntary medical insurance since 1994.

general information

The managing holding company of the joint-stock company is the Financial Corporation URALSIB. It would be more correct to say that the history of the insurance company began in 1988, when Avtobank was formed, on which this financial corporation was based.

In 1993, the Oil investment company"NIKoil" and "Industrial Insurance Company", which were later transformed into IG URALSIB.

In 1994, another company was created, then it was called "Podmoskovye-Med". In 2004, the financial corporations "NIKoil" and "Industrial Insurance Company" merged with the company "Podmoskovye-Med" under the common name URALSIB.

It was she who was transformed into the current company JSC "MSK UralSib".

The company's offices are located in Moscow, the Moscow region and the Republic of Bashkortostan. The company is not represented in other regions.

Who owns UralSib now

On October 4, 2016, the SOGAZ company expressed its desire to buy the UralSib insurance group. The petition was received by the Federal Antimonopoly Service.

The deal was supposed to bring an increase in volume. Specific figures on the cost of the transaction were not made public. SOGAZ's petition to the federal antimonopoly service was approved.

In 2016, SOGAZ was one of the largest insurance companies with 18 million insured people in its client base. UralSib served 3 million people in 2016.

In addition to SOGAZ, the desire to buy back shares was expressed by such companies as VTB Insurance”, “AlfaStrakhovanie”, “Ingosstrakh”.

Over time, the companies have disagreements. The price of the company being sold was doubled and SOGAZ refused the deal. All this information is again given without specifying specific figures and comments from the parties about the differences.

In order to increase the share of participation in the medical insurance market, on February 4, 2017, the RESO-Garantiya Insurance Public Joint Stock Company submits an application for the acquisition of UralSib shares.

If the issue is resolved positively, RESO-Garantiya, or rather one of its segments, RESO-med, will receive a share of 6.5% on the compulsory health insurance market. This time the deal went through.

Since February 2017, the company has been part of RESO-Garantiya JSC.

The takeover led to a significant increase in RESO-Garantia's client base.

The most likely reason for the sale of UralSib shares and the change of ownership is the size of the authorized capital.

Until 2017 authorized capital insurance companies had to be at least 60 million rubles. From January 1, 2017, this amount will increase to 120 million rubles.

UralSib, having an authorized capital of 78 million rubles, preferred the sale of shares and the change of owners to a complete abandonment of activities and bankruptcy.

CHI programs

Before the sale, MSK UralSib was a small insurance organization and was able to prove itself from the best side.

It was distinguished by the guaranteed fulfillment of all insurance obligations, a highly qualified staff of specialists.

As of February 2012, in the Expert RA rating list, the company occupied the A + position (positive rating) in terms of reliability. Refers to companies with high level reliability, capable of ensuring the fulfillment of all financial obligations on time with a high probability.

In the Russian Federation, the right of every citizen over the age of 21 to undergo a free medical examination at the place of residence once every three years is approved by law. The MSK UralSib company, within the framework of the CHI program, was engaged in the provision of such a service.

It financed a complex of diagnostic and therapeutic measures to monitor the health of the insured and identify diseases at an early stage.

In 2015, MSK UralSib participated in the implementation CHI systems+, as part of the plan for the development of the medical industry until 2030.

The essence of the program is the possibility for those who wish to purchase a package of paid additional services, which should expand the possibilities of the CHI program. The owner of the CHI+ policy will be able to independently choose the services that he is ready to pay for.

Learn more about the OMS+ program

The new policy made it possible to receive paid services in other medical institutions.

Mainly, the purchase of a new CHI+ policy was supposed to save those who use VHI policies from duplicating services and paying for the same procedures in different clinics.

On the website of the Unified Medical Information and Analytical System - https://emias.info was launched pilot project. It was possible to apply for an MHI policy online.

Such a service was supposed to reduce the time it takes to find the right insurance company and expand the client's choice. UralSib MSK was one of the first to participate in the development of a new service.

For the convenience of customers, the company provided and electronic policies, . They are identical paper policies, the difference is only in the convenience of storing and using such a policy - it does not get wet, does not wash, and is more compact in size.

One of the differences between UralSib and other companies involved in compulsory medical insurance is serious work to protect the rights of the insured. In addition to policy support and the conclusion of ordinary contracts with clients, the company entered into contracts with large organizations.

Does the company work

At present, IC continues to operate as a subsidiary of RESO-Garantia. The "old" site is still active. On it you can get background information, contact company representatives.