Medical Insurance Company URALSIB appeared on the insurance market in 1994. It provides its services to Russian citizens, attracting clients to conclude a contract of compulsory health insurance.

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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 exercises control over the quality of the medical care provided, assuming the regulation contentious issues that arise between the insured person and employees medical institutions.

The insurance group strives to protect the rights of its customers 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 in a proper way and issuing a CHI policy 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 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 the agreement concluded by the Russian Federation with others, the number of the personal account of the personified 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 by current 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 dealing with 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 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 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 Insurance Company JSC "Insurance Group "UralSib" on a federal scale, a key member of the Insurance Group "UralSib" 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.

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. The petition of SOGAZ was approved by the Federal Antimonopoly Service.

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, the authorized capital of 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 also provided 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.

Every citizen is interested in receiving quality medical care. A policy has been created specifically for this category of citizens. OMS Uralsib, without which it is impossible to obtain free help in a medical facility. Consider how to get it and what is required for this.

About Uralsib

Uralsib is one of the major 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 forms of compulsory and voluntary medical insurance.

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

Yury Fedorovich Demin is the general director of the insurance company.

As of January 01, 2020, the number of insured citizens under the CHI Uralsib amounted to about 2,806,077 people. Every day this number only increases, which is characterized by the stability of the company.

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

CHI 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 applying for protection in a large insurance company Uralsib.

Free services for insured persons:

1. Emergency medical care.
2. Hospitalization and hospital fees.
3. Free medicines that are necessary for treatment during your stay in the hospital.
4. Emergency dental care, which excludes only prosthetics.
5. Consultation of the necessary doctor.
6. Vaccination at the request of the client.
7. Making a sick leave.
8. Prenatal care and pregnancy.
9. IVF and abortion.
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 polyclinic with which the company has an agreement free of charge and use medical care absolutely 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

It is possible to issue a compulsory medical insurance policy in Uralsib even for a newborn. Consider how the registration procedure takes place at the office of the insurance company and remotely.

Issuing a policy at the office of the insurer includes:

• You must select the office of the insurance company in your region.
• Prepare required list documents, which will be discussed later in this article.
• Write a letter to a company representative.
• Get a temporary policy.
• After 30 days, apply again to the branch of the insurance company in order to obtain a permanent policy.

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

For CHI registration via the Internet you will need:

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

What documents will be needed

You can get a health insurance form only if you have a complete package of documents. Consider what should be prepared when contacting the office of a financial institution.

Package of documents for children under 14:

• birth certificate;
• legal representative's passport;
• SNILS (optional).

Package of documents for persons over 14 years old:

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

Foreign citizens must present:

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

Refugees:

• identity document;
• document confirming refugee status.

Representatives:

• passport;
• a power of attorney of an approved form;
• statement.

Important! Non-citizens of the Russian Federation and refugees without the specified documents will not be able to receive a mandatory protection form. In this case, you will need to issue VHI on a paid basis.

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

Additionally, it is presented for you.

How to check the compulsory medical insurance policy Uralsib online

After submitting a temporary form, the insurer has 30 days to issue a permanent one. You can check the readiness of the CHI policy in Uralsib remotely. To do this, you need to go to the official website of the insurer and click "Check policy".

For information, you should:

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

As a result of the check, a report will appear. If the form is ready, then you can take the documents and contact the branch of the company.

Additionally, on the official portal of the financial company, you can check the period by which the form was issued. This is true when making a temporary contract.

If it is not possible to check the information via the Internet, then you can always call free phone customer support services, voice personal data, document number and receive 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. This must be done by November 1st.

Features of issuing a policy for persons who do not have Russian citizenship

It must be taken into account that the procedure for issuing a CHI policy in Uralsib for foreign citizens has its own characteristics. Let's consider them in more detail:

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

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