The Medical Insurance Company URALSIB appeared on the insurance market in 1994. It provides its services to Russian citizens, attracting clients to enter into a binding contract health insurance.

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Over the years, the company has become one of the leading ones, gaining 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.

Features of the policy

The program for (abbreviated as compulsory medical insurance) 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, or place of permanent residence.

When concluding an insurance contract, citizens are issued compulsory medical insurance policy, which is an official document.

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

• in clinics;
• in trauma centers;
• in dental clinics at your place of residence;
• in city and inter-district treatment and diagnostic centers;
• in oncology, skin and venereal disease dispensaries.

Moreover, the above institutions should take part in the implementation compulsory medical insurance programs.

Advantages of compulsory health insurance at Uralsib

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

URALSIB Insurance Group supports clients 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 disruption of the normal functioning of the body.

It monitors the quality of medical care provided, taking upon itself regulation controversial issues that arise between the insured person and employees 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 are:

• having experience in the insurance market, which allows highly qualified specialists to resolve various issues;
• possessing reliability, manifested in conducting business in many areas, guaranteeing the fulfillment of the obligations assigned to it;
• the phenomenon of scale, contained 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 in a proper manner and issuing compulsory medical insurance policies in a short time.

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 validity of the compulsory medical insurance policy.

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

The insurance group issues a temporary certificate, which has all the capabilities of a compulsory medical insurance policy. The application is accompanied by a list of documents, which include:

• for children under 14 years of age - a metric certificate, an official document of one of his parents;
• citizens over 14 years of age - a passport, which is an identity document; if he was insured in the field of compulsory pension insurance, then an insurance number for pension insurance;
• persons with refugee status - a certificate or business paper regarding the consideration of an application, the content of which is recognition of him as a refugee. This provision is enshrined in federal law;
• citizens of foreign countries who permanently live in the country - a passport or any other document confirming their 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 and who live in it permanently - a passport or a document certifying personal data, residence permits, if available;
• citizens of other countries who live on the territory of the Federation for a limited time - a passport or other official paper that is established by federal legislative acts or recognized in accordance with the terms of an agreement concluded by the Russian Federation with others, a personal account number for personalized accounting;
• stateless persons who reside in the country temporarily - a certificate recognized in accordance with international treaty Russian Federation as an official document with a mark permitting residence or business paper identifying the applicant, if there is a SNILS;
• to the principal of the insured person - a passport, a power of attorney executed through a notary office.

The procedure for appealing actions when issuing insurance

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

The insured person can contact the head of a structural unit or higher management with a complaint, which can be expressed orally or in writing.

The CMO management accepts applications in person, but an appointment must be made in advance. At the personal appointment, the applicant must present a passport.

When expressing a complaint orally, it must be entered in the log of incoming information. If the facts and circumstances of the basis for the complaint have taken place, then the answer to it is provided orally at a personal meeting with management.

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

• name of the SMO, its structural unit;
• 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 CMO employee, whose decision, action or inaction is subject to appeal;
• the essence of the issue in which the applicant’s rights were violated;
• intelligence, official documents or copies thereof directly related to the cause of the claim.

The application is signed and dated. The claim statement is reviewed within 30 days, counted from the date of its filing, after which a response is given to the applicant. If the resolution of the issue does not satisfy the applicant, he can appeal it in court.

Rights and obligations of insured persons

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

They are installed in force regulations. The scope and conditions of its provision are determined by the Basic Compulsory Medical Insurance Program.

These include the rights:

• choose a medical insurance 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 applicant’s requirements before November of the current year;
• choose a medical institution from those that take part in the implementation of the compulsory medical insurance 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 related to his state of health and treatment methods from employees of regional funds, self-care organizations and medical institutions;
• demand the protection of personal data that was transferred for inclusion in personalized records maintained in the compulsory medical insurance system;
• demand payment from a medical insurance organization for damage caused to it as a result of failure to fulfill or improper fulfillment of the responsibilities assigned to the health insurance organization for organizing the provision of medical services;
• demand protection of rights and legitimate interests under the compulsory medical insurance program.

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

From 05/01/2017, in accordance with the letter Federal Fund compulsory health insurance dated April 25, 2017 No. 107/91/2017, the issuance of electronic compulsory medical insurance 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 .

Only citizens of the Russian Federation can apply for an electronic compulsory medical insurance policy.

A plastic policy is one of the types of compulsory health insurance policieson a par with a regular paper policy and a universal electronic card. The policy has a built-in chip containing the personal data of the insured, and on the reverse side there is a photograph and personal signature, which prevents the document from being used by another person.

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

Along with the electronic policy, the insured person is issued a letter with secret codes PIN and PUK. It is strongly recommended that you save these codes.
In accordance with the law, insured under compulsory medical insurance citizen, has the right to change the insurance company and in order not to issue the document again, the electronic compulsory medical insurance policy allows you to record information about the newly selected medical insurance organization.
A PIN code will be needed to confirm that the information is being entered with the consent of the policy owner.
The PUK code is necessary 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 cease to be valid until the moment when changes are required.

All compulsory medical insurance policies are issued and issued free of charge.

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

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

Advantages of an electronic policy:

• modern, technologically advanced, with high degree protection. The policy has a built-in chip to identify the insured, and on the reverse side there is a photograph and personal signature of the owner;

• compact. The policy sizes match the size bank card. It is convenient to carry and take on the road;

• resistant to damage. The policy is made of durable material, does not tear, does not wrinkle and does not become dirty.

JSC MSK "UralSib" - small in terms of fees insurance organization, engaged in compulsory health insurance. Part of the RESO Insurance Group. In the compulsory medical insurance market at the end of 2017, the company is in 11th place among Russian insurers in terms of the number of insured, the number of whom is more than 2.8 million people (market share - 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 an extract from the Unified State Register of Legal Entities, as of October 1, 2018, MSK UralSib JSC ceased to operate as a legal entity due to reorganization in the form of merger with SMK RESO-Med LLC.

JSC MSK "UralSib" originates from the creation 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 law enforcement agencies-Med-Moscow region". In 2004, 79.9% of the shares of OJSC Insurance Company of Law Enforcement Agencies-Med-Moscow Region 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 compulsory and voluntary health insurance market of Moscow, the Moscow region and the Republic of Bashkortostan. In the compulsory health insurance market in Moscow, MSC UralSib acts as a specialized company operating with departmental medical institutions. In the compulsory medical insurance system, it cooperates with 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 of the 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 insurance company of a federal scale, JSC Insurance Group UralSib, a key member of the UralSib Insurance Group of the same name. Since November 14, 2016, the company’s shareholders have become: GrandStroyPrestige LLC (24%), Adjudicator LLC (19%), TMB LLC (19%), Profit LLC (19%) and Special Opportunities Limited Partnership "and 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. Currently, the company is part of the RESO group*, and the direct shareholders of the company are SPJSC RESO-Garantiya (81% share) and LLC SMK RESO-Med (19%). The ultimate parties having control over the company are jointly Sergey and Nikolay Sarkisov. In March 2018, extraordinary general meeting shareholders of MSK UralSib JSC decided to reorganize the company in the form of its merger with SMK RESO-Med LLC.

In 2013-2014, the company’s activities recorded an increase in fees for voluntary insurance by 35.06% and 7%, which corresponds to 16.11 million and 17.24 million rubles in premiums. The next period is characterized by a significant reduction in revenue: 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 figure in 2015 was 13.61 million rubles), the amount of payments reached 5.78 million rubles, the level of payments was 156.03%. In 2017, there were no voluntary insurance fees; payments amounted to 53 thousand rubles. In the current period, the company has not resumed its voluntary health insurance activities.

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

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

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

As of August 1, 2018, UralSib SMK insured 2 million 815 thousand people under compulsory health insurance.

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

general information

The managing holding of the joint-stock company is the URALSIB Financial Corporation. 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 Industry was created investment company"NIKoil" and "Industrial Insurance Company", which were later transformed into SG 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 Podmoskovye-Med company 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 a 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. The UralSib company served 3 million people in 2016.

In addition to SOGAZ, companies such as " VTB Insurance", "AlfaStrakhovanie", "Ingosstrakh".

Over time, 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 or comments from the parties regarding the disagreements.

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

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

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

The acquisition led to a significant increase in RESO-Garantia's customer base.

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

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

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

Compulsory medical insurance programs

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

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

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

In the Russian Federation, the right of every citizen over 21 years old to undergo a free medical examination at their place of residence once every three years is approved by law. The company "MSK UralSib", within the framework of the compulsory medical insurance program, was providing such a service.

It financed a set of diagnostic, treatment and health measures to monitor the health of the insured and identify diseases at an early stage.

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

The essence of the program is the opportunity for those who wish to purchase a package of paid additional services, which should expand the capabilities of the compulsory medical insurance program. The owner of a compulsory medical insurance+ policy will be able to independently choose the services that he is willing to pay for.

Find out more about the compulsory medical insurance+ program

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

Mainly, the purchase of a new compulsory medical insurance + policy was supposed to save those who use voluntary medical insurance 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. You could apply for a compulsory medical insurance 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 clients, the company also provided electronic policies. They are identical paper policies, the only difference is 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 engaged in compulsory health insurance is its serious work to protect the rights of the insured. In addition to insurance coverage and concluding regular contracts with clients, the company entered into contracts with large organizations.

Is the company open?

Currently, the insurance company continues to operate as a subsidiary of RESO-Garantiya. The "old" site is still active. There you can get background information and contact company representatives.

Every citizen is interested in receiving quality medical care. A policy has been created specifically for this category of citizens Compulsory medical insurance Uralsib, without which you cannot get free help in a medical facility. Let's look at how to get it and what it will take.

About Uralsib

Uralsib is one of the large insurance companies that has been providing mandatory and voluntary products since June 1993. The company includes MSK Uralsib, whose activities are aimed only at providing compulsory and voluntary health insurance forms.

Medical insurance company Uralsib is an organization that has been providing high-quality voluntary and compulsory medical protection since December 13, 1994. Authorized capital is 156,000,000 rubles.

The general director of the insurance company is Demin Yuri Fedorovich.

As of January 1, 2020, the number of insured citizens under Uralsib compulsory medical insurance was about 2,806,077 people. Every day this number is only increasing, which is characterized by the stability of the company.

Anyone can apply for a compulsory health insurance form, both at the office of a financial company and at Uralsib Bank. You can find out the address of the required office on the official website of the insurer. All you need to do is select a region.

Compulsory medical insurance services Uralsib

As practice shows, not all citizens know what services are included in the compulsory health insurance policy. That is why, for your convenience, we list full package services that you can use after obtaining protection from the large insurance company Uralsib.

Free services for insured persons:

1. Emergency medical care.
2. Hospitalization and hospital payment.
3. Free medications that are necessary for treatment during your hospital stay.
4. Emergency dental care, which excludes only dental prosthetics.
5. Consultation with the required doctor.
6. Vaccination at the request of the client.
7. Registration of sick leave.
8. Prenatal care and pregnancy.
9. IVF and abortions.
10. Surgical intervention.
11. X-ray and fluorography.

It turns out that under the compulsory medical insurance policy in Uralsib, each insured person can go to a clinic with which the company has an agreement free of charge, and use medical care completely free of charge. As practice shows, financial organization Agreements have been concluded with all state medical institutions.

You can always check the full list of medical institutions by calling the customer support service. Managers of the insurance company Uralsib are ready to provide the necessary information around the clock, completely free of charge.

How to apply for a policy: step-by-step instructions

You can even take out a compulsory health insurance policy with Uralsib for a newborn. Let's look at how the registration procedure works at the insurance company's office and remotely.

Registration of a policy at the insurer's office includes:

• You need to select an office of the insurance company in the region where you are located.
• Prepare necessary list documents, which will be discussed later in our article.
• Write a statement to a company representative.
• Get a temporary policy.
• After 30 days, contact the branch of the insurance company again in order to obtain a permanent policy.

Important! As for the temporary document, under it the insured citizen can use the same services as under the permanent document.

For registration of compulsory medical insurance via the Internet you will need:

Important! The electronic compulsory medical insurance policy differs from the paper one only in appearance. The first is issued in the form of a compact plastic card, like a driver's license. The second document is much larger and is printed on ½ A4 letterhead.

What documents will be needed

You can receive a health insurance form only if you have a complete package of documents. Let's consider what you should prepare when contacting the office of a financial institution.

Package of documents for children under 14 years of age:

• birth certificate;
• passport of the legal representative;
• SNILS (optional).

Package of documents for persons over 14 years of age:

• passport of a citizen of the Russian Federation;
• SNILS.

Foreign citizens must present:

• passport of a foreign citizen;
• residence permit or permit to stay on the territory of the Russian Federation;
• statement.

Refugees:

• identification document;
• document confirming refugee status.

Representatives:

• passport;
• power of attorney of the approved form;
• statement.

Important! Non-citizens of the Russian Federation and refugees without the specified documents will not be able to obtain a mandatory protection form. In this case, you will need to apply for voluntary health insurance on a paid basis.

If you are contacting the office on behalf of another person, you will need to fill out a power of attorney in the form of the insurer. We offer.

There are times when the form is lost. There is nothing wrong with this, since you can restore it completely free of charge. To do this, when contacting the office, you must fill out an application form for a duplicate. We offer.

Additionally presented for you.

How to check Uralsib compulsory medical insurance policy online

After submitting a temporary form, the insurer has 30 days to issue a permanent one. You can check the readiness of your compulsory medical insurance policy at Uralsib remotely. To do this, you need to go to the official website of the insurer and click “Check policy”.

To obtain information:

• indicate the number of the temporary document;
• select the region in which you ordered the form.

A report will appear based on the results of the check. If the form is ready, then you can take the documents and contact the company branch.

Additionally, on the official portal of the financial company, you can check the deadline by which the form was issued. This is relevant when drawing up a temporary contract.

If you can’t check your information online, you can always call toll free phone customer support service, provide personal data, document number and obtain information.

Important! It must be taken into account that every citizen of the Russian Federation has the right to change the insurer at any time according to compulsory insurance. To do this, you must submit an application before November 1.

Features of issuing a policy for persons without Russian citizenship

It is necessary to take into account that the procedure for registering a compulsory medical insurance policy in Uralsib for foreign citizens has its own characteristics. Let's look at them in more detail:

• A foreign citizen can issue a policy only at the company’s office. Unfortunately, it is not possible to submit an application remotely.
• A permanent policy is issued only in paper form. The electronic product is not available to foreigners.
• You can apply for protection only for 1 calendar year.
• To obtain the form, you must prepare a complete package of documents. In this case, the insurance company manager accepts only originals.

Additionally, it is worth noting that compulsory medical insurance for foreign citizens, as well as for Russians, is issued completely free of charge.