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Rosgosstrakh medical insurance compulsory medical insurance. Compulsory medical insurance Rosgosstrakh - RGS: benefits, about the company, how to get a policy, reviews. Compulsory Medical Insurance Policy at Rosgosstrakh - What Documents Are Needed to Apply for a Policy

Every Russian has the right to receive qualified medical care if necessary. This right is enshrined both in the Constitution of the Russian Federation and in a number of other legal acts and is associated with the obligation to issue an insurance policy. There are quite a few companies offering their services in this area on the Russian insurance market, however, RGS-Medicine is considered one of the most popular and proven. A positive reputation, a wide branch network and other advantages make the Rosgosstrakh compulsory medical insurance policy a desirable purchase for many Russians.

What is compulsory medical insurance in RGS-Medicine?

Compulsory health insurance is a part of the state social insurance system. The main task is to ensure equal opportunities for access to medical and drug care provided through compulsory medical insurance funds.

According to the provisions enshrined in legislation, a person has the right to receive free medical care in any region of the Russian Federation within the framework of the Basic Compulsory Medical Insurance program, and in the subject where the policy is issued under the Territorial program.

IMPORTANT! The preparation of insurance documents, their validity and other issues are regulated in Federal Law No. 326, Orders of the Ministry of Health, Government Decrees and Orders, as well as in Procedures and Instructions.

As a general rule, certification takes no more than 30 days. Moreover, it can be prepared both in paper and electronic versions. It is worth noting that the electronic version is a plastic card with a chip on which information about the owner is printed and is issued only to citizens of the Russian Federation.

RGS-Medicine

Rosgosstrakh is one of the largest Russian insurance organizations that operates in various fields. One of its subsidiaries, RGS-Medicine, is a large-scale medical insurance organization engaged in protecting the rights of citizens in the field of compulsory medical insurance.

At the moment, Rosgosstrakh-Medicine occupies a leading position in compulsory medical insurance policies. The company's services are used by more than 22 million people in 42 constituent entities of the Russian Federation. The RGS carries out its activities through more than 1000 representative offices in the regions.

Methods for applying for compulsory medical insurance

RGS offers its potential clients three registration methods:

  • By filling out a simplified application at the point of issue;

To complete papers in this way, a person needs to visit the nearest company delivery point and fill out an application in the established form there, as well as attach documents to it.

  • via the website rgs-oms.ru;

The company’s official website provides the opportunity to fill out an application for a policy, as well as submit all documents electronically. The person needs to enter personal data, information about the place of residence and select with the operator a convenient point of issue where, after reviewing the application, they can pick up the finished certificate.

  • at home.

This service is provided for persons with disabilities and people with disabilities of groups 1-2. To receive it, a citizen must first contact the company by phone and notify about the need for home-based registration. After this, specialists will agree on all the details.

How to apply for a compulsory medical insurance policy through RGS-Medicine?

In order to save time waiting in queues, a citizen of the Russian Federation can apply for a policy through the official website of the RGS-Medicine company using the following algorithm:

  • You need to go to the official website of the company rgs-oms.ru;
  • At the top of the page, click on the inscription: “Get a policy”;
  • In the window that opens, select one of three ways to prepare a document (in this case, fill out an application and all documents on the company’s website);
  • Next, select one of the proposed options for the purpose of the appeal (initial registration);
  • Indicate the person for whom the certificate is issued (for yourself);
  • In a new window, indicate the reason for receipt (previously none);

  • In the following form you need to indicate your citizenship (Russian Federation) and enter your passport details, as well as attach a passport photo;
  • Next, select from the proposed categories of the population the one to which the applicant belongs and indicate SNILS;
  • Below you need to indicate your registration address in the Russian Federation and documents confirming this fact, and also, if necessary, enter information about your actual place of residence;

  • The last stage of registration is entering personal data: phone number, email and choosing the place to receive the certificate.

IMPORTANT! You can find out information about available pick-up points on the website by first going to the “Pick-up point” section. Isov." For example, compulsory medical insurance in Moscow from Rosgosstrakh m Can be picked up at one of 15 pick-up points.

After checking all documents, operators will contact you to clarify details and set a time and date for visiting the company office or the specified pick-up point.

Registration through the State Services portal and MFC

Insurance companies are responsible for issuing policies directly, and therefore it will not be possible to issue paperwork from scratch through the State Services website. On the state portal you can only find out information regarding the status of the policy, as well as find out the procedure for issuing it and a list of insurance companies.

Through MFC

Any citizen of the Russian Federation can apply for or re-issue compulsory medical insurance through the MFC. But it is worth considering that this service is not provided in all centers (at the moment mainly in large cities), so it is worth contacting the organization in advance and clarifying the information.

Among the numerous insurance companies involved in providing services in the field of health insurance, many highlight Rosgosstrakh - Medicine. This insurer is part of the Rosgosstrakh group of companies and offers policies in the field of medical care.

The company began its activities in 2002. The owners of the company are Rosgosstrakh, which owns 30%, and RGS MedInvest, which owns 70%.

In the period from 2011 to 2013, the insurance company Rosgosstrakh-Medicine expanded significantly, joining such companies as:

  • "CMO "Lipetsk-Health"";
  • "SMK "Aibolit"";
  • "SK "Ecofond"";
  • MSK "Icarus".

This year, the process of joining Capital Medical Insurance CJSC to RGS Medicine Rosgosstrakh LLC was completed, as reported on the company’s official website.

Thus, Rosgosstrakh - Medicine has become the largest insurer in the segment of compulsory health insurance for citizens.

Rosgosstrakh medicine - advantages

Of the many advantages, the company itself focuses the attention of clients on the fact that Rosgosstrakh makes medical insurance affordable, and the insurance itself is simpler and more reliable. The next point is the convenience of servicing policies. The company has more than a thousand representative offices throughout the country. Numerous customer reviews also testify to the positive experience of the company.

Conditions and procedure for purchasing insurance

The health insurance policy from Rosgosstrakh is available to the following categories of citizens:

  • citizens of the Russian Federation;
  • foreign citizens living permanently or temporarily, as well as stateless persons;
  • citizens entitled to health insurance in accordance with refugee legislation.

The fact of official employment does not matter when applying for a policy.

Validity periods of policies

Policies issued to citizens of the Russian Federation have an indefinite validity period. Refugees who have the right to medical care in connection with refugee legislation are issued a policy for the period of their stay in the country. The policy is issued to persons residing in the country on a temporary basis and stateless persons for the period of validity of their temporary documents.

Procedure for obtaining policies

The medical insurance organization issues the policy free of charge, and the basis for this is the citizen’s application to change the policy. Any person who has reached the age of majority can choose for the first time or replace the services of another company with insurance from Rosgrsstrakh. Newborn children are insured by those insurance companies that insure their parents.

You can submit an application in person or through a representative if you have a legally executed power of attorney. If we are talking about legal representatives of warded citizens, then there is no need for a power of attorney.

Documents for issuing a policy

Along with the application for the policy, you must submit the following documents.

  • Identification document – ​​passport or birth certificate for child insurance;
  • Insurance pension certificate, if available;
  • For refugees, this may be a copy of the application for obtaining this status, a copy of the complaint against the decision not to grant this status, a certificate of receipt of refugee status - for temporary asylum;
  • For permanently residing foreign citizens - a passport or other document identifying the identity and legality of stay in the country.

It is mandatory to reissue the policy if the name, surname or patronymic, gender, place of birth and other data of the insured have been changed, as well as if the policy has been lost or damaged. Replacement includes such activities.

  1. Within a month, its owner must apply to the insurance company to replace the policy.
  2. During the policy production period, the insured person will be issued a temporary policy, which will be valid for a month.
  3. Then you will need to get a real policy.

By law, a citizen has the right to have only one compulsory health insurance policy. All other medical policies are in the nature of voluntary insurance and are sold by insurance companies on a paid basis. When issuing a policy, the insurer is obliged to familiarize the insured person with the nature and characteristics of the medical services provided under the policy, with the register of medical institutions accepting this policy, as well as with the basic rights and obligations of the insured citizen.

The policy gives the right to free medical care in the territory of residence and temporary stay, but only in those institutions that are participants in territorial health insurance programs.


Issuance of compulsory health insurance policies to foreign citizens, stateless persons who have a residence permit or temporary residence permit in the Russian Federation, as well as refugees and those temporarily staying on the territory of the Russian Federation in accordance with the Treaty on the Eurasian Economic Union, signed in Astana, carried out at the following addresses:

1. 121309, Moscow, st. Novozavodskaya, 23/8, building 1. Working hours: Mon-Fri: 09:00-20:00, without breaks, Sat: 10:00-15:00.

2. 117588, Moscow, st. Tarusskaya, 18, building 1 (metro station Yasenevo)

3. 125445, Moscow, st. Belomorskaya, 11, building 1 (metro station Rechnoy Vokzal)

4. 111675, Moscow, st. Svyatoozerskaya, 18 (m. Vykhino)

5. 127434, Moscow, Dmitrovskoe highway, 7, building 2, office 8 (metro station Dmitrovskaya)

6. 109147, Moscow, st. Marksistskaya, 22, office 508 (metro station Taganskaya)

7. 115184, Moscow, st. Bolshaya Tatarskaya, 13, building 19 (metro Novokuznetskaya, metro Tretyakovskaya)

8. 111395, Moscow, st. Sniperskaya, 9 B (m. Vykhino)

9. 125438, Moscow, st. Onezhskaya, 18 (metro station Koptevo)

In accordance with the order of the Moscow City Compulsory Health Insurance Fund, starting from August 1, 2015, an electronic compulsory health insurance policy is being issued in Moscow. Every insured person in the city of Moscow has the right to replace a previously received compulsory medical insurance policy (green card or blue slip) with an electronic one. You can apply for an electronic compulsory medical insurance policy (EPOMS) at one of the representative offices of Capital MS LLC, a list of which is given below.

The Moscow branch of Capital MS LLC began its work in January 2013 on the territory of the city of Moscow.

Capital MS LLC, in connection with the reorganization carried out in July 2013, became the legal successor of the Moscow company MSK Ikar LLC, which has extensive experience in providing compulsory medical insurance for residents of the city of Moscow. Currently, the activities of the branch are organized taking into account the professional staff and the regional network of the affiliated company.

The branch and its representative offices have created all the conditions for fast and high-quality customer service. You can receive or exchange a compulsory medical insurance policy at one of our offices in Moscow. You can choose an office that is convenient for you, check its telephone number and work schedule on this page, or use the search in the general database of all offices of the Policy Issuing Points company. For people with disabilities (disabled people) and people with limited mobility, it is possible to leave a request for a compulsory medical insurance policy at home in the “Policy Issue Points” mode. For all questions about obtaining or exchanging a compulsory medical insurance policy, you can contact the compulsory health insurance department of the branch.

To ensure the protection of the rights and legitimate interests of the insured, the branch operates a department for protecting the rights of the insured and examining the quality of medical care, where you can receive comprehensive information and qualified assistance on all issues of compulsory medical insurance, including the collection of funds for medical services included in the territorial program Compulsory medical insurance, restrictions on the availability of medical care or poor quality of its provision.

To ensure the provision of medical care to citizens insured by the company in accordance with the Territorial Program of State Guarantees of Free Medical Care, the branch has entered into agreements with all medical organizations included in the register of medical organizations operating in the compulsory medical insurance system of the region. You can obtain contact information for the medical organization you are interested in using the “Find a Medical Organization” service search.

Useless VHI policy.
My daughter, who works for a large Russian company in Moscow, insured us with her wife at PJSC IC Rosgosstrakh under the 20.2r Business-SPb insurance program (DMS policy No. 77-MK-3861-18/0220/0006-00001) in the Moscow division of the insurance company. A 10-month policy cost her about 78,000 rubles. This supposedly comes with benefits, because... it is insured by the company, and children and family members of the insured receive discounts. From the very beginning, I was against what was, in my opinion, a useless waste of money, because... I believe that this amount would be enough to visit most of the doctors I need in any clinic.
In December, at the end of the insurance period, I decided to visit a specialist. The first call to the insurance company made a positive impression on me - I asked to go to the Vodokanal Clinic with good reviews about it and its specialists. The next day they called me back, agreeing to visit the doctor at a time convenient for me, recommending him as a competent and experienced specialist. The doctor saw me at the appointed time and gave the impression of a good professional, not prone to divorces from patients, which are typical for representatives of this specialty. He ordered an ultrasound and several tests for the next day. The nurse said that now the clinic will coordinate everything with the Investigative Committee and will inform me. 20 minutes later, a clinic employee called me, informing me that absolutely nothing had been agreed upon for me, because... The Moscow branch of the insurance company, in which I am insured, literally “from tomorrow” will cease cooperation with the Vodokanal Clinic...
Arriving home, I immediately called the IC and expressed bewilderment - why send me to a clinic with which they are ending cooperation, wasting my time, nerves and their funds? They explained to me very vaguely that they have some kind of incomprehensible relationship with the St. Petersburg branch regarding the division of powers or finances (everything is as usual - “the left hand does not know what the right hand is doing...”), and my question will be resolved by the curator in the near future. After the conversation, I called the Investigative Committee for several days in a row, but there was no clear answer - they were deciding. Exactly 5 (FIVE!) days later the curator called me and said that the issue had been resolved and EVERYTHING had been AGREED to me! Next, call the clinic yourself and agree on the date and time of the ultrasound - how do you like this “unobtrusive” service? The next day, I came to the clinic with a bunch of containers for tests, where I found out that one test, which the doctor thought was necessary, was not approved for me, i.e. They decided to save money on me.
It seemed to me that I was a very profitable client - during the period of insurance I applied to the insurance company only once. Clients like me should be “loved and favored,” but in reality, they only love our money! I called the Investigative Committee again, they connected me with the curator, O.L. Khanukova, but in response to my complaints, she replied that everything else had been agreed upon for me and that I was not happy with it. But I’m not happy with the “soviet” service, the fact that, like an idiot, I first prepared to take tests, then ran around the clinic with containers, figuring out as I went why something wasn’t agreed upon for me. Was it really difficult to immediately inform - this has been agreed upon, but this has not and why... The girls sitting on the reception of initial calls are poorly oriented - who is insured and where, which leads to unnecessary redirects.
A few days later I had to take blood tests, including a “penny” blood glucose test, but it also turned out to be inconsistent. To my natural indignation, they answered that it was a “technical error.” Moreover, different curators have opposing opinions about the need for inconsistent analysis.
As a result of the actions of the IC and the lack of a prescribed test, the attending physician was unable to give me an accurate diagnosis. My time and nerves were wasted absolutely to no avail, but SK, thanks to O.L. Khanukova, saved me several hundred rubles.
The question arises: why do we, having paid our quite significant funds, act as a “petitioner”, and the insurance company decides for us whether to give us a “handout” in the form of one or another set of services. Probably, there is some kind of medical “standard” for each specialty, which determines the minimum possible number of necessary studies, tests and procedures, and everything that exceeds this set must be agreed upon with the attending physician, and not with the reception staff and other clerks. The insurance company may justify such strict control by the desire to unreasonably inflate the volume of services provided by some clinics, which occurs quite often. But after years of work in this market, you can long ago identify such clinics and stop collaborating with them, especially since there are many opportunities to check any clinic.
In my opinion, the UK should be a reasonable intermediary between citizens and the clinic, and not an organization that earns excess profits from us and denies us everything to the maximum!
Therefore, I recommend not to spend money – yours or your company’s – on PJSC IC Rosgosstrakh. Look for more adequate companies, where the insured are not treated like “sheep that can be sheared...”
Without respect to PJSC IC "Rosgosstrakh", V.M. Vyadro