Every citizen must take out a compulsory health insurance policy (CHI) in order to receive free care, undergo examinations and use other opportunities to the extent provided for by the basic program. The compulsory medical insurance policy at URALSIB is issued in the manner prescribed by law.

Features of compulsory health insurance in URALSIB

Medical insurance at URALSIB ensures the protection of all rights for citizens of the Russian Federation in the field of medical care:

• Independent selection of a doctor and medical insurance organization from the list of institutions participating in the compulsory medical insurance program;
• Receiving treatment, as well as diagnostics and rehabilitation throughout the Russian Federation;
• Consultations of specialized specialists;
• Receiving emergency assistance, medical intervention using available methods and medications;
• Receiving food while in hospital;
• Refusal to intervene;
• Obtaining information about your rights within the framework of the compulsory medical insurance project and about your health status;
• Protecting patient information;
• Compensation for damage resulting from the provision of poor-quality treatment.

A citizen’s responsibilities include choosing an insurance medical institution by submitting an appropriate application and informing about a change in personal data or place of residence. 30 days are provided for this from the date of change. When moving, you must choose a medical insurance organization within a month.

Registration of health insurance

The procedure for obtaining a medical policy is quite simple and involves several methods.

Please note that currently only residents of Moscow, the Moscow region and the Republic of Bashkortostan can apply for compulsory health insurance from URALSIB.

The procedure for obtaining a compulsory medical insurance policy

The procedure for registering a compulsory medical insurance policy and insuring a person at URALSIB is as follows:

• The client submits an application to select a medical organization along with a set of required documents.
• URALSIB issues a temporary compulsory medical insurance policy, which is valid for 30 days and has all the capabilities of a regular policy.
• When the electronic compulsory medical insurance policy is ready, the client receives a notification.
• The client visits the URALSIB office and picks up the original.

The applicant should prepare certain documents for applying to URALSIB: passport and SNILS. Foreigners have the right to present their existing identity card and temporary residence permit in the country. For children, you will need a birth certificate and passport of one of the parents (legal representative).

In the application for choosing an institution, you must enter the following mandatory information: which you fill out must be addressed to URALSIB, and in the body of the document indicate:

• Name of the medical organization;
• Reason for applying: choice, replacement;
• Desired form of compulsory medical insurance policy: paper, plastic card, UEC;
• A valid insurance number in the compulsory medical insurance system, if available;
• Signature confirming familiarization with the rules for the provision of compulsory medical insurance;
• Personal data, category (citizen/foreigner/refugee, employed/not);
• Passports;
• Registration addresses and places of residence;
• SNILS number;
• Contacts;
• Information about the representative (if available);
• Date, signature.

When accepting the application, the authorized employee checks the appropriate field and enters the number of the issued temporary insurance certificate.

Features of the procedure for replacing a policy in URALSIB

The client has the right to replace the medical insurance policy with URALSIB once a year if he wishes to receive care in another medical institution. To do this, you must go through the procedure described above with a similar application.

It is imperative to change your insurance in the following situations:

• The client’s personal data has changed;
• Inaccuracies and errors were found in the policy;
• Mechanical damage to the card, dilapidation (tears, unusable appearance) of the paper version;
• Loss of a document.

In this case, a re-registration or a duplicate is issued, for which you need to fill out the appropriate application, where you indicate the reason for your request (from those described above). In the form you must enter similar information and your previous characteristics, if they have been changed.

Online application for compulsory medical insurance

• Select region;
• Policy format;
• Personal information;
• SNILS number;
• Contact information;
• Date for visit to URALSIB.

When filling out an online form for a child, you will need to enter both his and yours (parent, representative) details.

By submitting the application online, you can count on an expedited procedure when visiting the office and receiving a temporary certificate. You can also order a call and notify the employee of your desire to receive the original immediately. This will require you to wait a little longer. After which, the applicant is invited to the URALSIB office, where he will need to fill out a form and present documents. He will immediately receive the original compulsory medical insurance policy.

Use the online mode to obtain a policy - all data can be entered in a special form. The procedure will significantly save your time.

Conclusion

At URALSIB, compulsory medical insurance is carried out in accordance with Federal Law No. 326 and guarantees the fulfillment of all rights of citizens in the field of medical care. If an insurance medical institution refuses to accept a compulsory medical insurance policy, these actions are considered unlawful and are legally prosecuted.

JSC MSK "UralSib" is a small insurance organization in terms of fees, engaged in compulsory medical 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 dates back to the creation of the Open Joint Stock Company State Medical Insurance Company Podmoskovye-Med in December 1994. In October 1997, the insurance company was renamed into the Open Joint Stock Company "Insurance Company of 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 medical 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, the Federal Tax Police Service 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, an extraordinary general meeting of 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 voluntary insurance fees 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.

At the end of 2017, the company’s net profit according to RAS reporting amounted to 116 million rubles, total income under IFRS was 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 (General Director), Alla Chuvileva (Chief Accountant).

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

Every citizen is interested in receiving quality medical care. The Uralsib Compulsory Medical Insurance policy has been created especially for this category of citizens, without which it is impossible to receive free care in a medical institution. 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. The 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 will list the full package of services that you can use after registering for protection with 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, the financial organization has concluded agreements 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 the necessary list of 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.

To apply for 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 it is not possible to check the information via the Internet, then you can always call the toll-free customer support line, provide personal information, document number and get information.

Important! It must be taken into account that every citizen of the Russian Federation has the right to change compulsory insurance insurers at any time. 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 applying for a compulsory medical insurance policy at 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.

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

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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 (abbreviated as compulsory medical insurance) refers to the system for social protection of the interests of citizens, which is implemented by the state in the field of protecting public health.

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

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

The compulsory medical insurance policy provides the 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 must take part in the implementation of the compulsory medical insurance program.

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 the regulation of controversial 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 are:

• having experience in the insurance market, allowing various issues to be resolved by highly qualified specialists;
• 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 purchase 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 a medical insurance organization or territorial fund. Its content is an appeal for the election of a medical insurance 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 - an identity card recognized in accordance with an international treaty of the Russian Federation as an official document, where a note permitting residence is made or a business paper identifying the applicant, in the presence of 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;
• information, official documents or copies thereof that are 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 under the rules of compulsory medical insurance, which allow him to receive assistance from a medical professional without paying for their services.

They are established by current 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.