Electronic policy OMS (EPOMS) is a document in the form of a 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 printed 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 new document, 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, you will not be able to change the information on the plastic CHI policy, however, the CHI policy will not expire until the moment you need to make changes.
All CHI policies are issued and issued free of charge.
Refine the list required documents, as well as get answers to your questions in the field of compulsory medical insurance, you can call the round-the-clock 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, with a high degree of 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 subsequently transformed into SG URALSIB.
In 1994, another company was created, then it was called "Podmoskovye-Med". Merged in 2004 financial corporations"NIKoil" and "Industrial Insurance Company" with the company "Podmoskovye-Med" under the common name URALSIB.
It was she who was transformed into the current company JSC " MSC 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, an application for the acquisition of UralSib shares is submitted by the Public Insurance joint-stock company"RESO-Guarantee".
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. Treated companies with a high level of reliability, capable of with a high probability of ensuring the implementation of all financial obligations on time.
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. MSK UralSib, within the framework of CHI programs 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 of the CHI+ system, as part of the medical industry development plan until 2030.
The essence of the program is the possibility of acquiring 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 duplication of services and payment for the same procedures in different clinics.
A pilot project was launched on the website of the Unified Medical Information and Analytical System https://emias.info. 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 to 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 must take out a compulsory health insurance policy (OMI) in order to receive free help, undergo examinations and use other opportunities to the extent provided for by the basic program. The compulsory medical insurance policy in URALSIB is drawn up in the manner prescribed by law.
Features of CHI in URALSIB
Medical insurance in URALSIB provides protection of all rights for citizens of the Russian Federation in the field of providing medical care:
- Independent choice of a doctor and an insurance medical organization from the list of institutions participating in the CHI program;
- Receiving treatment, as well as diagnostics and rehabilitation throughout the territory of the Russian Federation;
- Consultations of specialized specialists;
- Receiving emergency assistance, medical intervention using available methods and drugs;
- Getting food while in the hospital;
- Refusal to interfere;
- Obtaining information about their rights within the framework of the MHI project and about the state of health;
- Protecting patient information;
- Compensation for harm in the provision of poor-quality treatment.
The duties of a citizen include choosing an insurance medical institution by submitting an appropriate application, informing about a change in personal data or place of residence. You have 30 days to do so from the date of the change. When moving, it is necessary to choose an insurance medical organization within a month.
Registration of medical insurance
Registration procedure medical policy quite simple and involves several ways.
Please note that at present, only residents of Moscow, the Moscow Region and the Republic of Bashkortostan can apply for CHI from URALSIB.
The procedure for issuing an OMS policy
The procedure for issuing a compulsory medical insurance policy in URALSIB and insuring a person is as follows:
- The client submits an application for the choice of a medical organization together with a set of mandatory documents.
- URALSIB issues a temporary CHI policy, which is valid for 30 days and has all the features 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 an existing identity card and a temporary residence permit in the country. For children, a birth certificate and a passport of one of the parents (legal representative) will be required.
In the application for choosing an institution, you must enter the following mandatory information: which you fill out must be addressed to URALSIB, and indicate in the body of the document:
- Name of the medical organization;
- Reason for applying: selection, replacement;
- Desired form of compulsory medical insurance policy: paper carrier, a plastic card, UEC;
- Valid insurance number in CHI system, in the presence of;
- Signature of familiarization with the rules for the provision of CHI;
- Personal data, category (citizen/foreigner/refugee, employed/not);
- Passport;
- Addresses of registration and place of residence;
- SNILS number;
- Contacts;
- Information about the representative (if any);
- Date, painting.
When accepting the application, the authorized employee puts a mark in the appropriate field and enters the number of the issued temporary insurance certificate.
Features of the policy replacement procedure in URALSIB
The client has the right to replace the health insurance policy in URALSIB once a year if he wants to receive care at another medical institution. To do this, you must go through the procedure described above with a similar statement.
It is necessary to change the insurance in such situations:
- The client's personal data has changed;
- Inaccuracies, 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-issuance or issuance of a duplicate takes place, for which it is necessary 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 the issuance of CHI
- Select region;
- Policy format;
- personal information;
- SNILS number;
- Contact Information;
- Date for a visit to URALSIB.
When filling out the online form for a child, you will need to enter both his data and your own (parent, representative).
By submitting the application form 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 about the desire to receive the original immediately. This will require you to wait a little longer. After that, the applicant is invited to the URALSIB office, where he will need to fill out a form and submit documents. He will immediately receive the original CHI policy in his hands.
Use the online mode to obtain a policy - all data can be entered in a special form. The process will save you a lot of time. Conclusion
In URALSIB, compulsory medical insurance is carried out in accordance with Federal Law No. 326 and guarantees the fulfillment of all the 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 illegal and are prosecuted legally.
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 Joint Stock Company open type"State insurance medical company"Podmoskovye-Med" in December 1994. In October 1997 insurance company was renamed into Open Joint Stock Company "Insurance Company of Law Enforcement Bodies-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, Ministry of emergencies Russia, federal agency 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. AT current period activities on VHI by the company have not resumed.
At the end of 2017 net profit of the company, according to RAS reporting, amounted to 116 million rubles, the 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). The company previously had an A rating. High level reliability and quality of services” with a stable outlook.
Management: Yuri Demin ( CEO), Alla Chuvileva (chief accountant).
As of August 1, 2018, UralSib QMS, according to the mandatory health insurance 2 million 815 thousand people were insured.
Medical Insurance Company URALSIB appeared on the insurance market in 1994. It provides its services to Russian citizens, attracting clients to conclude an agreement on compulsory medical 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. 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, places of permanent residence.
When concluding an insurance contract, citizens are issued a CHI policy, which is an official document.
The CHI 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 of the CHI program.
Benefits of CHI at Uralsib
Compulsory medical insurance programs implemented by the URALSIB insurance group provide medical care Russian citizens on free of charge in various medical institutions.
Insurance URALSIB 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 of disputes that arise between the insured person and employees of 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 market, allowing to solve various questions 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;
- group equipment the latest technologies, allowing to organize interactions with insured persons and medical institutions in a proper way in a short time to carry out the issuance of a CHI policy.
How to get a
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 unified form to an insurance medical organization or a territorial fund. Its content is an appeal for the election of 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 pension insurance number;
- 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, permit papers for residence in the Russian Federation, if available, an individual number personal account according to 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 temporarily reside in the country - a certificate recognized in accordance with an international treaty of the Russian Federation as an official document, where a note permitting 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 contact the manager structural unit or to higher management with a complaint, which can be expressed orally and in writing.
The management of the CMO accepts an application in person, but you must make an appointment in advance. On the personal reception 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;
- information, 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 CHI insurance that allow healthcare workers to receive care 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 related to the state of his health and methods of treatment from employees 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.
