ConsultantPlus: note.

Action Art. 43 applies to employees of internal affairs bodies who are not police officers (clause 2, article 56 of this document).

Article 43

1. The life and health of a police officer are subject to compulsory state insurance at the expense of the budgetary appropriations of the federal budget for the corresponding year.

2. Compulsory state insurance of the life and health of a police officer is carried out on the terms and in the manner established by the Federal Law of March 28, 1998 N 52-FZ "On Compulsory State Insurance of the Life and Health of Military Personnel, Citizens Called for Military Training, Private and Commanding Persons composition of the internal affairs bodies of the Russian Federation, the State Fire Service, employees of institutions and bodies of the penitentiary system.

3. Family members of a police officer and persons who were his dependents are paid a one-time allowance in the amount of three million rubles in equal shares in the event of:

(see text in previous edition)

1) the death (death) of a police officer due to injury or other damage to health received in connection with the performance of official duties, or due to an illness acquired during the period of service in the police;

2) the death of a citizen of the Russian Federation that occurred within one year after dismissal from police service due to injury or other damage to health received in connection with the performance of official duties, or due to an illness acquired during the period of service in the police, which excluded the possibility of further service in the police.

4. Family members and dependents of a deceased (deceased) police officer (citizen of the Russian Federation, dismissed from police service), who are entitled to receive a lump sum allowance provided for by part 3 of this article, are considered:

1) the spouse (husband) who was (was) on the day of death (death) in a registered marriage with the deceased (deceased);

2) parents of the deceased (deceased);

3) minor children of the deceased (deceased), children over 18 who became disabled before they reached the age of 18, children under the age of 23 studying in educational institutions full-time;

(as amended by Federal Law No. 185-FZ of July 2, 2013)

(see text in previous edition)

4) persons who were fully supported by the deceased (deceased) or received assistance from him, which was a permanent and main source of livelihood for them, as well as other persons recognized as dependents in the manner established by the legislation of the Russian Federation.

5. When a police officer receives an injury or other damage to his health in connection with the performance of his official duties, which precludes the possibility of further serving in the police, he is paid a one-time allowance in the amount of two million rubles.

(see text in previous edition)

ConsultantPlus: note.

The payment of monthly monetary compensation calculated before February 24, 2015 in an excess amount is made to the dismissed until the day they become entitled to receive compensation in a larger amount (Federal Law of February 12, 2015 N 15-FZ).

6. If a citizen of the Russian Federation, dismissed from the police service, is found to be disabled due to a military injury received in connection with the performance of his official duties and which excluded the possibility of further service in the police, he is paid monthly monetary compensation with the subsequent recovery of the amounts of the said compensation paid from the perpetrators. persons in the manner prescribed by the legislation of the Russian Federation. The amount of monthly cash compensation is calculated based on the amount of the monthly cash salary and the amount of the monthly allowance to the monthly cash salary for the length of service (length of service), accepted for calculating pensions, using the following coefficients:

(see text in previous edition)

1) in relation to a disabled person of group I - 1;

2) in relation to a disabled person of group II - 0.5;

3) in relation to a disabled person of group III - 0.3.

(see text in previous edition)

7. The amount of the monthly monetary compensation paid in accordance with part 6 of this article is subject to recalculation, taking into account the increase (increase) in the salaries of the monetary maintenance of police officers, made in the manner established by the legislation of the Russian Federation.

8. Damage caused to property belonging to a police officer or his close relatives, in connection with the performance of official duties, is compensated in full at the expense of the budgetary allocations of the federal budget, followed by the recovery of the amount of compensation paid from the guilty persons.

How the “team” of the ministry official Olga Solenova hired a semi-bankrupt insurer as a contractor

Dmitry Vasilchuk

Traditional life and health insurance for employees of the Ministry of Internal Affairs this time suddenly aroused scandalous interest. For several years, Olga Solenova, Head of the Department for Logistics and Medical Support of the Ministry of Internal Affairs of Russia, and her subordinates, insuring the lives of colleagues, focused on reliable and proven insurance companies in the market. This time, their choice fell on a little-known almost bankrupt, who estimated the life of the policemen the cheapest.

Dealing with the history of life and health insurance for police officers in recent years, one might think that Solenova was simply tired of the whims of the “whales” of the market, who demanded to raise the cost of insurance. But to "sell" the health of colleagues to a former bankrupt at dumping rates? This is more like a corrupt deal with the withdrawal of funds through an insurance company, which is quite often done in the market, than a fair competition. It seems that on the eve of the elections, and perhaps preparing for the upcoming resignations, the organizers of the competition decided to make a demobilization chord and earn a comfortable old age in European resorts.

Olga Solenova and her subordinates were responsible for holding an open competition for life and health insurance for employees of the Ministry of Internal Affairs. And for some reason it turned out that now the risks of police officers are insured in a loss-making company, which only a year ago said goodbye to the interim administration, and received a license for the right to insure civil servants just 3 days before the tender. In this situation, there is concern not only about whether the employees of the Ministry or their relatives will be able to receive the required payments for insured events. But much more, then - can the Ministry of Internal Affairs, holding such competitions, generally fight for restoring order in the financial sector, and in insurance, in particular.

toxic look

According to the federal law of March 28, 1998 No. 52-F3, the life and health of employees of the Ministry of Internal Affairs are subject to compulsory insurance. By law, the life of an employee of the Ministry of Internal Affairs is insured for 2 million rubles in case of his death, and he will receive from 0.5 million to 1.5 million rubles for a disability acquired in the service, or if it is established within a year after dismissal. Over the years, this type of insurance "mixed" from one insurance company to another - Rosgosstrakh, VTB Insurance, and many others were engaged in this insurance. This type of insurance is unprofitable and costly for insurers, because it requires the construction of a serious infrastructure in order to serve hundreds of thousands of employees of the Ministry of Internal Affairs throughout the country. Yes, and the payments have to be made not small.

Based on the data of the Central Bank of the Russian Federation, it is possible to roughly estimate the profitability of, for example, VTB Insurance for 2012-2015. received about 33 billion rubles from the Ministry of Internal Affairs, and payments amounted to more than 32 billion rubles, taking into account infrastructure costs - this type of insurance turned out to be unprofitable for VTB Insurance. Naturally, this insurance company chose not to cooperate with the Ministry of Internal Affairs and the Ministry began to look for a new insurer. Consistently, in 2016, the Arsenal insurance company was responsible for this type, and in 2017, the MAKS company. Also, according to open sources, it can be estimated that IC Arsenal received about 7.5 billion rubles from the Ministry of Internal Affairs for a contract for a year, and its loss left about 1 billion rubles, the results of MAKS are still difficult to assess, since payments continue, but it is easy to assume that this will also be a loss for this insurer, despite the fact that the contract amount has grown to 8.2 billion rubles.

But, first of all, we note that the experience of market giants shows that the cost of life and health of police officers costs an average of 8-10 billion rubles a year.

Strange Choice

Repeatedly, insurers, with figures on hand, demanded an increase in annual deductions. However, the Department for Logistics and Medical Support of the Ministry of Internal Affairs of Russia found a more original way out - the last tender here was won by a little-known company, which became famous for almost going bankrupt shortly before the “victory”.

At the tender for the life and health insurance of employees of the Ministry of Internal Affairs in 2018-2019, which was traditionally held by Lyudmila Senyushkina, the "monsters" of corporate insurance, the country's largest insurers, Sogaz, VTB Insurance and MAKS, unexpectedly bypassed the company "Central Insurance Company" (TSSO), which does not have a rating, with an authorized capital, as stated on its website - 855 million rubles, net assets as of December 31, 2016 - 773.7 million rubles, and losses for 2016 year - 98.7 million rubles.

A weighty touch to the characteristics of the company is that just a year before participating in the tender, the temporary administration of the Central Bank of the Russian Federation worked in the CSO. At the same time, which is almost unbelievable, the introduction of a temporary administration did not end in bankruptcy and revocation of the license. The insurance market knows only one such example with the Pomoshch insurance company, which has a powerful administrative resource behind it. Moreover, on December 14, 2017, the CSO immediately receives a license for the right to insure civil servants. Now the CSO will receive 13.7 billion rubles for the fact that within the framework of a 2-year contract it will insure 788.7 thousand people of the rank and file and commanding staff of the internal affairs bodies of the Russian Federation, including 97.2 thousand laid-off employees. In other words, we are talking about the lowest contract price over the past 6 years - less than 7 billion rubles a year. Taking into account the rise in prices for medicines, tariffs for medical services are certainly not enough, if we are really talking about insurance of employees of the Ministry of Internal Affairs risking their lives daily, but enough so that the respectable ladies from the Ministry of Internal Affairs, who held this intricate competition, could spend their holidays on Maldives, and at the same time improve their living conditions.

As noted in the company "MAKS" even at the stage of formation of applications, the tender had "very strange indicators" to identify the winner. For example, experience, capital and the presence of a rating, according to which the CSO obviously lost to more deserving competitors, were of little importance in the tender criteria. But the organizers of the auction paid special attention to the "growth rate", according to which yesterday's bankrupt, who increased contributions from 12.2 million rubles in 2013 to 679.1 million rubles in 2016, that is, who provided almost 5500% growth, no one can bypass couldn't. Indeed, no stable operating company will be able to show such dynamics. Well, the fact that the loss of the CSO at the end of 2016 increased by 2.5 times obviously did not matter to Senyushkina and Solenova. In the end, there is always a way to close your eyes: a bribe or a kickback from 13 billion can amount to a very decent amount. This raises a reasonable suspicion that the terms of the tender were specially "adjusted" in order to identify the obvious winner.

Other bidders also expressed doubts about the infrastructural readiness of the CSO to serve the Ministry of Internal Affairs: this company has neither a developed regional network nor adequately qualified personnel.

The proposed price for a two-year contract was also important. As the examples show, a price in the region of 20 billion rubles for two years is economically justified - according to the examples of previous years, and at a price of 13 billion this is unjustified dumping. It is worth paying attention to the fact that the starting price of the contract really was 20 billion rubles, because since 2015 the department has not been able to conclude a stable contract for a period of more than a year, due to the fact that it offered a low contract price, but the CSO “interrupted » all offers at their price.

Suspicious company

By the way, professionals are confused not only by the financial situation of the CSO, but also by leapfrog with the change of owners of the CSO. For some reason, the Ministry of Internal Affairs was not embarrassed that in 2017 the composition of the founders of the CSO practically completely changed twice!

On June 16, 2017, the organization CJSC Business Center Leningradsky (TIN: 7714746580) became a member of the founders of CSO LLC. In August 2017, the company was renamed to Favorit JSC. The company is notable for the fact that all the official founders - Manticora OJSC (TIN: 7714671568), RUMB-T CJSC (TIN: 7707311557) and Business Bureau CJSC (TIN: 7713512646) were liquidated back in 2010-2012. Thus, it remains a mystery who is really behind the company that owns a 32.98% stake in the authorized capital of TsSO LLC.

Subsequent changes in the composition of the participants take place in the same summer of 2017. Since July 5, 2017, the largest founders of TsSO LLC with similar shares in the amount of 32.98% are DESH.EX LLC (TIN: 7708765377) and SKP LLC (TIN: 7730698831). After DASH.EX LLC became one of the founders of TsSO LLC, Shut Sergey Anatolyevich left the role of the permanent founder and the position of General Director. The company was taken over by Paleev Artem Valentinovich, co-founder and managing partner of Korpus Prava legal center, who is a specialist in the field of audit, taxation and law.

SKP LLC (TIN: 7730698831) quite recently, on January 21, 2018, also changed its founder - instead of Kozeruk Vadim Anatolyevich, Paleeva Natalya Nikolaevna became the sole founder.

The largest founders were replaced by new ones, the composition of the real ultimate beneficiaries was successfully hidden, the structure of owners was replenished with specialists in taxation and law, who were not previously associated with the insurance business. The experience of the insurance market suggests that the departure of the real owners from the company into the shadows, and replacing them with various kinds of zits-chairmen, as a rule, means the imminent bankruptcy of the company, whose money will be somewhere offshore.

Once the CSO almost went bankrupt. Nothing can stop the owners of the company from doing it again, and this time disappearing with 13.7 billion rubles. After that, Solenova will hold a new competition, spending another couple of tens of billions from the budget of the Ministry of Internal Affairs.

In the meantime, for some reason, in the Ministry of Internal Affairs, for some reason, no one notices anything strange in the activities of the CSO, and in December 2017 a loss-making company bypasses the market leaders in the struggle for budget money, offering the minimum price for the life and health of employees of the Ministry of Internal Affairs - 40% lower than the normal market offer from large insurers with profits and other types of insurance in stock.

And the composition of shareholders somehow unexpectedly changes dramatically, “under the tender”, and the conditions seem to be written under the CSO. Such a turn cannot but raise questions. And it seems that the employees of the GUEBiPK of the Ministry of Internal Affairs of Russia, who should investigate crimes both in the financial market and fight corruption, should be the first to be puzzled by these questions.

Waiting for the FAS team?

Complaints to the FAS are still waiting for their response. This is not the first time that anti-monopolists will have to deal with collusion in the service of Olga Solenova. Last fall, the FAS found a cartel agreement between suppliers of products for the Ministry of Internal Affairs. Blago LLC, Solomko LLC and DZSB LLC entered into an agreement to maintain prices at auctions. They also refused to fight on them, which is why the price of contracts did not fall below 2% of the initial one.

The main customer of all three firms was the Federal State Institution "North Caucasian District Department of Logistics of the Ministry of Internal Affairs of the Russian Federation" (FKU "SKOUMTS of the Ministry of Internal Affairs of the Russian Federation"), headed by Alan Kasaev.

And according to his subordinates, he was not only aware of the collusion, but also created all the conditions for the withdrawal of funds from the budget of the Ministry of Internal Affairs, working in the “Solenova brigade”.

Another "Solenova team" is now apparently working in the insurance of employees of the Ministry of Internal Affairs.

Ms. Solenova became the Head of the Department for Logistics and Medical Support on March 29, 2017. And a couple of years before that, she was the head of the financial support department for the state defense order of the Ministry of Internal Affairs, concluding deals with various defense industry enterprises, such as MP Rotor.

In fact, "Rotor" produces helicopters, but for the Ministry of Internal Affairs of Russia it repaired a boat. And in 2014, just when Olga Solenova headed the defense order of the Ministry of Internal Affairs, the defense enterprise Rotor received a “random order” to support the software and hardware complex of the integrated data bank of the Main Directorate of the Ministry of Internal Affairs of Russia for the Moscow Region.

But the most interesting thing is that after the appointment of Solenova as the head of the department, irreversible changes begin to occur in the TsSO, as a result of which her old acquaintance becomes the head of the company - the founder of the MP "Rotor" and its former general director - Dmitry Makhotin. Isn't it an interesting coincidence? Such a chance meeting of old acquaintances, after which one receives an order from another for 13.7 billion rubles. The second, as we understand it, will not remain in the loser either.

MIA strikes back

The reaction to the “confident” victory of a little-known company in the insurance community was unequivocal, the general mood is visible in the comments on the news on the website of the Insurance News Agency, the most typical: “do not look for logic, security forces tenders are always based on kickbacks, and payments are already a problem for the affected security forces …”, almost all comments leave no doubt that this is a blatant case of corruption and connivance.

However, as skeptics note, one should not expect much zeal in internal investigations from the Ministry of Internal Affairs, because it is quite possible that among the new shareholders of the CSO there are people suitable for the Ministry, and the interests of ordinary employees of the Ministry of Internal Affairs can be neglected, in extreme cases, you can turn to the state for financial assistance to save another financial institution. If banks can, then why can't this be done in insurance? But, it would seem, while insuring their own lives, law enforcement officers must be sure of the reliability of the chosen insurance company and the effectiveness of its insurance business. The Ministry of Internal Affairs should long ago have put things in order in insurance companies that are withdrawing billions of rubles from the market, both budgetary and companies, and citizens, but so far the ministry is actively interfering in the work of the Central Bank in the insurance market. The CSO case can just explain the unexpected zeal of the Ministry of Internal Affairs in the case of Rosgosstrakh, where the ministry, in fact, questions the competence of the Central Bank. Market participants believe that on the eve of the adoption of the law on the reorganization of insurance companies, the Ministry of Internal Affairs simply gives hardware signals to the Central Bank about its readiness to “master” billions of rubles of state aid in the CSO, since under the stated conditions the bankruptcy of this insurance company is inevitable.

There is an "exchange" of the immunity of the insurer of the Central Bank, which, in fact, became Rosgosstrakh, for the salvation of the "rollback" tender of the Ministry of Internal Affairs with the help of the sanitation of the CSO. In theory, now is the turn of the Central Bank, in response to the claims of the Ministry of Internal Affairs for participation in the fate of Rosgosstrakh, to propose to the Ministry of Internal Affairs jointly check their actually "pocket" insurer. I wonder if anyone in the Central Bank has the courage to make such a retaliatory move?

Legal advice:

1. Tenotesis of the tendon of the head of the biceps is an insured event and is insurance required for an employee of the Ministry of Internal Affairs.

1.1. If the disease is received in connection with the passage of service, then insurance is required. Not to be confused with a disease that appeared during the service. These are different things.

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2. An employee of the Ministry of Internal Affairs is entitled to insurance for illness and for an acquired disease.

2.1. --- Hello, dear visitor, if the disease is acquired in the performance of official duties, and there is a medical opinion on this issue, then it is necessary, or vice versa. Good luck and all the best, with respect lawyer Ligostaeva A.V.

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3. I am an employee of the Ministry of Internal Affairs, after the operation to remove the appendix, am I entitled to insurance?

3.1. I assume that you still won’t be paid for insurance, because the operation has nothing to do with your service and work

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4. Please, alimony is withheld from the insurance for the injury of an employee of the Ministry of Internal Affairs.

4.1. No alimony from the insurance for the injury of an employee of the Ministry of Internal Affairs will not be recovered, since this is not his income. Have a good nice day.

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5. How much insurance is required for breaking an ACS in everyday life for an employee of the Ministry of Internal Affairs.

5.1. Depending on what group of disability you get. If without disability - 50,000 or 200,000 rubles. Rupture of the ax - it is the doctors who must determine the severity of the harm to health. If there is disability and dismissal, then disability group 3 - 500,000, group 2 - 1,000,000, group 1 - 1,500,000 rubles. (plus a little more money for annual indexation). Rupture of the ACL can be of different degrees of damage. We do not see your pictures, and if we do, we will not understand anything. Ask your doctor, please, what is the severity of your injury.

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6. Is insurance valid after the dismissal of an employee from the Ministry of Internal Affairs?

6.1. No, it doesn't work

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7. Is insurance required for a fracture of the radius of the right hand, an employee of the Ministry of Internal Affairs.

7.1. If you have an insurance policy, then yes.

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8. Who and in what terms after the death pays insurance to the deceased employee of the Ministry of Internal Affairs.

8.1. The insurance is paid by the employer, who makes mandatory contributions to the Social Insurance Fund. It is necessary to apply with an application addressed to the Head of the Department of the internal affairs body where the employee served.

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9. What injuries are covered by insurance for employees of the Ministry of Internal Affairs.

9.1. For any injury received during the performance of official duties (including following to the place of work and home from work), which caused temporary disability!

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10. By early booking, we bought a ticket to Cuba from 30.03-14.04.2020. The husband is an employee of the Ministry of Internal Affairs, the flight was banned, as there is no such order, it was recommended to them, but for employees this is tantamount. In principle, he can make a certificate of illness. There is no insurance against non-departure, the contract is typical. Our actions?

10.1. In accordance with Article 32 of the Law of the Russian Federation of February 7, 1992 N 2300-1 "On Protection of Consumer Rights"
The consumer has the right to refuse to execute the contract for the performance of work (provision of services) at any time, subject to payment to the contractor of the expenses actually incurred by him related to the fulfillment of obligations under this contract.
You can contact the contractor with a claim, in which you indicate the refusal to perform the contract and the demand for the return of the amount of money paid.

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11. I am an employee of the Ministry of Internal Affairs, I was injured in an accident - Closed craniocerebral injury. For this, the payment of insurance from the Ministry of Internal Affairs is supposed?

11.1. If you are insured by your department, and you must be insured (life and health), then you must be paid an insurance amount of 50 thousand rubles. To do this, you need to register your injury and apply with a report.

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12. I got into an accident, I am an active police officer, I am to blame and I have been injured by a fracture of the cervical vertebra since 2 will I receive insurance from the Ministry of Internal Affairs.

12.1. in addition to insurance from the Ministry of Internal Affairs, you are entitled to a compensation payment for OSAGO, regardless of your fault, and compensation for moral damage by the owner (driver) of another vehicle.

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13. I am an employee of the Ministry of Internal Affairs, after work I went to training and got a shoulder dislocation there, will I be paid insurance? If yes, what amount?

13.1. Article 4. Insured events
Insured events in the implementation of compulsory state insurance (hereinafter referred to as insured events) are:
receiving by the insured person during the period of military service, service, military training mutilation (wounds, injuries, contusions);

In the event that the insured person receives a severe injury (wounds, injuries, contusions) during the period of military service, service or military training - 200,000 rubles, minor injury (wounds, injuries, contusions) - 50,000 rubles;

Serious injuries include
dislocations, fracture-dislocations in large joints of the extremities: shoulder (except for the usual dislocation of the shoulder), elbow, wrist, hip, knee, ankle, tarsal joints (subtalar, Chopart, Lisfranc); dislocation of the patella, accompanied by a fracture of the patella or femoral condyle; dislocation of the semilunar bone;

You are most likely having a hard time. That is why 200 on co-ft indexation.

You submit an application for payment of the sum insured to the insurer.

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Consultation on your question

call from landlines and mobiles is free throughout Russia

14. the question is this, we judge the father under a labor article (a subordinate fell, without insurance), he did not follow him and because of this he was convicted, I want to get into the Ministry of Internal Affairs in the future, I am 17, I study at school, the tenth grade, tell me, Is it generally possible to get a job in the Ministry of Internal Affairs or is the path closed due to a criminal record? Thank you in advance for your answer))

14.1. The presence of a father's criminal record is one of the grounds for refusing employment. But you are only 17 years old. By the time you graduate from high school, your father's criminal record may well have been cleared. So nothing is impossible.

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15. Will an employee of the Ministry of Internal Affairs with 30 years of experience receive disability insurance during his service if he was dismissed by a court decision for committing a crime (abuse of power) ..?

15.1. If there is insurance, with indications of the necessary conditions, the employee has the right to receive an insurance payment, however, you need to look at the terms of this agreement, since in some cases there is a list of grounds in the agreement itself that prevent the receipt of insurance payments in the event of an insured event, simply without seeing contract, and I don’t know the nuances, I can’t specifically answer here, but I don’t want to guess.
Good luck in resolving your issue.

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15.2. Insurance relies upon the establishment of an insured person with disability before the expiration of one year after dismissal from military service, from service, after deduction from military training or the end of military training due to injury (wounds, injuries, contusions) or diseases received during the period of military service, service, military fees. In this case, the insurance company establishes the rules of insurance.

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16. What kind of insurance will be paid for an intra-compound fracture of the base of the fifth metatarsal bone with a divergence of fragments of 0.2 cm. I am an employee of the Ministry of Internal Affairs in Moscow.

16.1. You need to contact the insurance company, it is there that the amount is calculated, it depends on a lot of things, there is simply no point in guessing, the calculations there are quite complicated.

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17. I am a current employee of the Ministry of Internal Affairs received a domestic injury, a burn of 1-3 degrees with an area of ​​​​27%, do I have the opportunity to get insurance.

18. Was injured (open fracture of the 4th phalanx of the little finger) in an accident while on vacation. Certified employee of the Ministry of Internal Affairs, am I entitled to receive insurance.

18.1. The ORLS subdivision must conduct an internal audit during which it must be established that you did not receive this injury during the performance of official duties, while your medical documents must be attached to the materials of the internal audit. If an internal check was not appointed, then urgently draw up a report to the head of the Internal Affairs Directorate and attach copies of the documents. After long visits to the polyclinics of the Ministry of Internal Affairs in the direction of the ORLS, you will be paid money. The main thing is to consult on this issue with your personnel or with the curator of your personnel department. Patience to you and recovery.

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19. I am a former employee of the Ministry of Internal Affairs, I got a disease during my service, I got a disability, now I have to pay insurance, what other compensation should I pay? I heard about some 3 mil. but I can't find the command anywhere.

19.1. Payments are made in accordance with the Police Law and the Regulations on Service in the Internal Affairs Bodies. Publicly available in the Consultant and on the website of the Ministry of Internal Affairs of the Russian Federation. Good luck.

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20. I am an employee of the Ministry of Internal Affairs. Last year I injured my knee. During what period can I go through a commission to determine the severity of harm to health, in order to obtain insurance?

20.1. Insurance can be obtained during the statute of limitations. Therefore, you can get an opinion on determining the severity after complete recovery based on medical records.

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21. The question is this. I am a civilian employee of the Ministry of Internal Affairs with only a year of work experience. I broke my jaw during non-working hours. Do I have to pay insurance or not?

21.1. In order to answer you accurately and unambiguously Whether you should pay insurance or not, you need to read your insurance contract to a lawyer.

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21.2. Voluntary employees of the Ministry of Internal Affairs are not subject to compulsory insurance. If you have a contract with an insurance company, then you need to study it in the section on insured events.

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22. Hello) I am an employee of the Ministry of Internal Affairs) I wanted to ask if inflammation of the periosteum (periostitis) passes under an insured event, if so, what is the amount of insurance and what is required to receive a payment?

22.1. Find out in the frames. Just inflammation is not an insured event. If the inflammation began as a result of an injury, injury received in the line of duty (military injury) or during the period of service, then payment is due. Thus, the conclusion of the IHC on a causal relationship about the degree of injury is needed.
Submit a report on the conduct of an internal check on the fact of an injury to the personnel department. After the conclusion, you will be given a referral to the VVK.

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23. The wife is a civilian employee of the Ministry of Internal Affairs. Received group 2 disability for cancer. Is there insurance.

23.1. Of course, you are entitled to insurance compensation if the disease was acquired while serving in the police.

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23.2. Depending on what disease you need, the causal relationship determining what she received is during the period of service and it is precisely because of this work that when the insurance is due, as well as compensation payments, this is determined by the IHC.

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23.3. This moment depends on whether the disease was received during the period of service. The fact that the insurance will refuse You can not even doubt it. Good luck and all the best.

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23.4. The insured are persons of the rank and file and commanding staff of the internal affairs bodies of the Russian Federation. Volunteers under the effect of the Federal Law of March 28, 1998 N 52-FZ (as amended on July 3, 2016, as amended on December 19, 2016) "On Compulsory State Insurance of Life and Health of Military Personnel, Citizens Called for Military Training, Individuals and Commanders composition of the internal affairs bodies of the Russian Federation, the State Fire Service, employees of institutions and bodies of the penitentiary system, employees of the troops of the National Guard of the Russian Federation" are not subject.

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23.5. Yes, your spouse is eligible for compliance with the Compulsory Insurance Act, and through employer-sponsored payments.

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24. I am a former employee of the Ministry of Internal Affairs, within a year after the dismissal I received a disability. The law specifies the documents that must be submitted to the insurance company in order to obtain insurance, including some of them obtained in the personnel of the Main Directorate of the Ministry of Internal Affairs. Since at the moment the Main Directorate of the Ministry of Internal Affairs has not concluded a contract with the insurance company, and will in every possible way delay the receipt of the docks, the Question is how to officially obtain the necessary documents in the personnel of the Main Directorate of the Ministry of Internal Affairs (through an appeal, etc.). Thanks in advance.

24.1. The Main Directorate of the Ministry of Internal Affairs should contact the insurance company.
YOU need to apply in WRITTEN with a report on the provision of documents, to apply to the UK, then a lawsuit in court
Thank you for visiting our site.
Always happy to help! Good luck to you.

Did the answer help you? Not really

25. My brother, an employee of the Ministry of Internal Affairs, died. Now the insurance has been paid. It was received by his daughter, she is not 23 years old, she is studying in absentia. Got 50%. But my brother's mother is alive, she is 80 years old. She was refused, because. she was not dependent on him. Did the insurance company do the right thing? My brother died during an operation while on vacation. More than 20 years experience.

25.1. Elena! Hello! The actions of the insurance company can be challenged in court. You need to study the documents to give a full consultation.

Did the answer help you? Not really

26. The citizen was in the service of the Federal Drug Control Service from 2012 to 2016, then transferred to the Ministry of Internal Affairs, in April 2014 he received a skull injury as a result of a head injury of moderate severity and fractures of the bones of the skull, he did not apply for insurance. Can this citizen, being an employee of the Ministry of Internal Affairs, now receive insurance payments for April 2014, when he was an employee of the Federal Drug Control Service? Thank you.

As it became known to Kommersant, the Main Department of Internal Security (GUSB) of the Ministry of Internal Affairs began checking the circumstances of concluding a contract with the Central Insurance Company (CSO), which has been the life and health insurer of 788 thousand employees of the department since 2018. The contract amount was more than 13.7 billion rubles, however, on May 28, the company's license was revoked. The losses of the Ministry of Internal Affairs from cooperation with the CSO may amount to about 250 million rubles. The current situation is under the control of the leadership of the department.

According to Kommersant, the reason for revoking the license of the CSO was the revelation by the regulator of the fact that the management of the insurance company entered deliberately false information into the reporting documents. It should be noted that the Central Bank is only preparing a statement on this matter to law enforcement agencies, but the security forces have already begun to verify the circumstances of the collapse of the company. At the same time, as the Kommersant source notes, the GUSB intends to check its colleagues with particular care, who in one way or another were involved in the conclusion of this contract.

At least many people are already wondering how the CSO, which miraculously did not lose its license in 2016, was able to win the tender for insurance of employees of the Ministry of Internal Affairs in 2018–2019, beating such venerable competitors as SK MAKS, Sogaz and VTB Insurance ".

Apparently, first of all, the GUSB will show interest in employees of the Department for Logistics and Medical Support of the Ministry of Internal Affairs, whose competence includes insurance issues for employees. In turn, GUEBiPK employees plan to identify and interview the owners and top managers of a company registered in Mytishchi near Moscow.

Violations in the activities of the CSO, related to the "execution by the insurance company of the plan to restore solvency", the Central Bank first identified in April 2016. Then a temporary administration was introduced into the organization. However, six months later, the regulator considered that it had fulfilled its task, and the CSO started operating as usual. Moreover, on December 14 last year, the insurance company received a license for compulsory insurance of employees of the Ministry of Internal Affairs and military personnel, and just a few days after that, it got a lucrative contract with the police.

However, already in April 2018, the Central Bank had new claims against the CSO in connection with “non-compliance with the requirements for financial stability and solvency in terms of the normative ratio of own funds and assumed obligations, the procedure and conditions for investing own funds and insurance reserves”. The company was given ten days to eliminate them, but it failed to do so. On April 27, the CSO's license was suspended, and on May 28, it lost it. According to the Central Bank, in 2017 the company collected more than 900 million rubles from customers, and the insurance compensation amounted to a little more than 166 million rubles. At the end of the year, the CSO ranked 93rd among insurance companies in terms of collected premiums.

According to the terms of the agreement between the Ministry of Internal Affairs and the CSO, which is valid from January 1, 2018 to December 31, 2019, the company was supposed to receive 13.7 billion rubles from the ministry.

However, Kommersant's source in the power department claims that now we can most likely only talk about the loss of a small part of this amount, about 250 million rubles. “In terms of paying the insurance premium, the payment from January to May can be considered lost,” Kommersant’s source noted. “As a rule, in such contracts, payment is made monthly, so starting from May, the insurance premiums of the Ministry of Internal Affairs can be considered saved.” According to a Kommersant source in the insurance market, the CSO, at the insistence of the Central Bank, tried to reinsure these risks, despite the fact that, unlike property or liability risks, where a significant cumulation of losses is possible, they are usually not reinsured. In particular, according to Kommersant's information, the CSO hoped to reinsure them in Sogaz, but was refused.

According to the law, despite the revocation of the license, the CSO is obliged to fulfill the obligations arising from insurance contracts, including making insurance payments for insured events that have already occurred.

In the Ministry of Internal Affairs itself, they say that the situation is under control of the head of the department, and insurance payments until the new tender will allegedly be made to employees from the funds of the ministry itself.

Meanwhile, the head of the legal department of the Moscow police union, Nikolai Grishakov, told Kommersant that "the budget of the Ministry of Internal Affairs, which is a legal entity, does not include such an expense item." According to Mr. Grishakov, in isolated cases, for example, material assistance or lump-sum compensation for an injury can be disguised as insurance compensation, but such payments will not work in bulk. “In such cases, it is possible to receive insurance compensation in such cases with almost a 100% guarantee only through the courts, but this, as a rule, is a long and dreary process,” says Nikolai Grishakov.

It should be noted that in 2013-2015, employees of the Ministry of Internal Affairs were insured by VTB Insurance, which received a premium of 25 billion rubles. Two years ago, the ministry held a competition trying to find a new service provider for another two years. However, those who want to earn 22.4 billion rubles. not found. As a result, the contract was concluded only for 2016 with the Arsenal insurance company. The amount of the insurance premium received by her remained a secret. It is only known that the initial price of the contract was 7.5 billion rubles.

Last year, compulsory state life and health insurance for employees of the Ministry of Internal Affairs and the Russian Guard was carried out by IC MAKS. Since this year, the National Guardsmen have been insured by JSC Sogaz. The contract for two years was estimated at 6.1 billion rubles.

Oleg Rubnikovich, Tatiana Grishina

In 2017, the Ministry of Internal Affairs of Russia has already held a competition among insurance companies several times, but not a single organization has submitted its application for participation. The fact is that the amount of payments and the procedure for their accrual is regulated by federal law, and therefore, it is unprofitable for insurers to have such a client. The VTB Insurance Ministry of Internal Affairs agreement ended in 2015, after which the insurance company did not want to extend cooperation. During the term of the contract, she had to pay police officers and military personnel an amount significantly higher than the contribution from the ministry.

Insurance of employees of the Ministry of Internal Affairs in VTB

In 2012, a contract was signed between the insurance company VTB 24 and the Ministry of Internal Affairs for the provision of services. After that, changes took place in Russian legislation and the amount of insurance payments, as well as the cases in which citizens claim compensation, have changed. If earlier the amount of the payment was calculated taking into account the rank and salary of the employee, now it is fixed.

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As a result, VTB Insurance paid more than 20 billion rubles to police officers and military personnel during the period of the contract (after changes in legislation). Considering the project unprofitable, the insurer did not express a desire to insure the Ministry of Internal Affairs, like all other companies.

Provision of services in 2017

In accordance with federal law, the insurance company cannot, at its discretion, reduce the amount of payments to customers, in comparison with those stipulated in Federal Law No. 52. The insurer is fully responsible for fulfilling its obligations and cannot worsen the situation of the insured person.

In accordance with the law, the beneficiaries are all military personnel (including conscripts), as well as police officers. In the event of the death of an employee, the parents, children or spouses receive the funds.

To receive compensation, it was necessary to appear at the branch of the insurance company with the relevant documents and an application. Since the state contract between the Ministry of Internal Affairs and VTB Insurance ended in 2017, all appeals from citizens of the UK are sent to the personnel department of the Ministry. In fact, at present, police officers and military personnel are left without an insured.

Insurance case

Insured persons or their relatives may apply for monetary compensation in the following cases:

• The employee died while on duty or within 12 months of being fired;
• The employee has received a disability;
• The insured is early dismissed from work due to an injury received in the service;
• The insured person has received a slight or severe physical injury.

Payout amount

If earlier the amount of compensation to employees of the Ministry of Internal Affairs in the event of an insured event depended on the salary of the insured, now the payments are fixed and cannot be reduced at the request of the insurer.

In 2015, insured employees of the Ministry of Internal Affairs of the Russian Federation received payments in the amount of:

• 2 million rubles in case of death;
• from 500 thousand to 1.5 million rubles in case of disability;
• 50 thousand rubles for minor injuries in the service;
• 200 thousand rubles in case of severe injury.

It is worth noting that employees are insured within 12 months after the dismissal and can also apply for compensation.

Conclusion

IC VTB Insurance Ministry of Internal Affairs received in 2012 as a client on a competitive basis. However, the procedure for accruing compensation to employees soon changed, in connection with which, the insurer considered the project unprofitable and, upon expiration of the contract, did not begin to apply for participation in the competition. In 2017, the Ministry of Internal Affairs did not conclude a contract with any insurance company in Russia, although the competition was announced three times.