Did the Ministry of Internal Affairs conclude an agreement with an insurance company. VTB insurance for military personnel of the internal troops of the Ministry of Internal Affairs and employees of the internal affairs bodies of the Russian Federation

Disability insurance payments to employees of the Ministry of Internal Affairs - a way to compensate the family and the injured person for the damage, which he carries because of the inability to lead a full-fledged lifestyle and earn money.

But any insurance payments to military personnel are accrued subject to the availability of correctly executed documents. Without these papers, it is very difficult to prove the occurrence of an insurance situation.

Consider the list of injuries for the payment of insurance to military personnel, approved for 2020.

Who is subject to compulsory insurance

When does insurance start?

The subject is insured from the first day of military service.

• Conscripts the beginning of the service is considered the moment the recruit is awarded a military rank;
• Contract soldiers- from the date of signing the contract;
• Those who arrived at military training- hour of departure from the department of the local military registration and enlistment office.

Service to the Fatherland ends on the day when a person is dismissed by order from the personnel or at the time of his departure from the territory where military training was held.

Insurance payments to military personnel in case of injury, concussion, other health problems that led to disability will be paid to the victim himself. After his death, relatives can receive money.

The situation becomes insurance when it is recorded during the period of military service or his participation in training camps

You will also have to pay the full amount of compensation if, within one year after the dismissal or the end of military training, a disability was acquired or his death was recorded by the former military.

It is more difficult to receive the payment of the sum insured for a situation that has arisen after deduction from the authorities. This will require the decision of a specially convened commission.

This structure will confirm that a person became disabled or died as a result of the long-term consequences of military service or participation in military training.

Insured events

It is legally fixed which situations in the Russian Federation are considered to be insured events.

So, The insurer undertakes to pay money if:

1. The fighter was wounded, shell-shocked, injured or received other damage of mild and moderate severity during the period of military service;
2. An employee of the Ministry of Internal Affairs became disabled, but only if this condition arose as a result of an injury or illness in the service or military training;
3. A person performing military service died as a result of an injury incompatible with life or an illness;
4. A soldier was dismissed because he was recognized as partially fit or unfit for military service, if such a condition caused an injury, damage or illness transferred in the service.

Also insured events include death or disability, which are fixed for 12 months after expulsion, when their indisputable relationship with the performance of service is established.

The decision on whether insurance will be paid to a soldier is not made by the military command, but by the insurance company.

It is based on the information contained in the documents provided by the command.

When the insurance company does not pay compensation

Alas, not in all cases, with shell shock or other health problems, a citizen who is serving in the military or participating in military training can insist on receiving benefits.

The insurer may exercise the right to refuse to pay the sum insured, based on the existing legislative acts of the Russian Federation.

This will happen if the insurance situation:

• Occurred as a result of the actions of a soldier under the influence of alcohol or drugs;
• Was provoked by a military man intentionally, in order to harm his own health;
• It was the result of the actions of a soldier who were recognized as posing a threat to the health of others.

Sometimes the head of the military unit makes attempts to "hush up the case" in order to avoid paperwork and not record the fact of injury.

The command does not have the right to refuse to issue the required documents for the payment of benefits to an employee of the Ministry of Internal Affairs.

The fact of intoxication or other possible reasons for refusal of insurance must be recorded by an examination and transferred to the insurer.

If the trial establishes that the victim was driven to suicide, then the insurer will not be able to refuse payment to relatives.

When the insurance company nevertheless decides to refuse compensation for damage to the soldier, then it is obliged to notify interested parties in writing. The decision must be motivated and transmitted no later than 15 days from the date of receipt of the request for compensation.

If disagreements arise, the injured party may exercise the right to challenge the insurance verdict in court.

Who Receives the Benefit

Unfortunately, shell shock or other health problems are not the worst thing that can happen to a person who is serving in the military.

If a citizen died during military service, then the insurer pays benefits to his family. They become beneficiaries.

So, the beneficiary in the event of the death of a soldier can be:

1. Second spouse;
2. Parents of a serviceman or persons replacing them for at least five years;
3. Grandparents who raised the victim for at least three years;
4. Children who have not reached the age of majority;
5. Adult children with disabilities who have been confirmed as disabled before reaching the age of majority;
6. Children of the military, until they reach the age of 23, who study in educational institutions;
7. People under the care of the insured person.

The structure where the victim served is obliged to inform relatives about the occurrence of an insured event as soon as they learned about it.

If it so happened that the beneficiary died before he received the payment of the sum insured, then it can be paid to his heirs. To do this, they will need to provide the insurer with papers that confirm the right of inheritance and a copy of the death certificate.

The amount of insurance payments in 2020

The severity of the disease or injury, classes of partial disability affect the amount of insurance coverage for military personnel.

The legislative act "On Compulsory State Insurance ..." determines, among other things, the amount of compensation payments in 2020, which the Russian Federation undertakes to make when any of the insured events described above occurs.

The amount of the insurance amount does not depend on the length of service and services to the Motherland.

Therefore, relatives and family members of a military man who died during military service in any rank can claim compensation for two million Russian rubles.

If the performance of a combat mission resulted in a wound for a fighter or caused an illness that subsequently led to disability, then the amount of payment to the disabled person depends on the established group:

• III-rd - 500 thousand rubles;
• II-I - 1 million rubles;
• I-I - one and a half million 1.5 million rubles.

If during the period of military service or within one year after dismissal, as a result of re-examination, a soldier increases the disability class, then the insurer will be forced to pay the difference in classes.

The state estimated the consequences of a severe injury at 200 thousand rubles. A slight injury to an insured person, according to officials, "costs" 50,000 fish.

When the result of the injury was absolute / partial unfitness for service in the authorities, followed by dismissal, the insurance company compensates the victim 50 thousand rubles.

In addition to one-time insurance payments, disabled soldiers are entitled to monthly allowances. Such benefits are also accrued to the families of the dead fighters.

But for a citizen who has received a concussion or other injury, no monthly payments are provided.

The list of injuries and their “categorization” are fixed in the Russian Federation by law in order to avoid disagreements when establishing the severity of injuries, and, accordingly, the amount of material compensation.

If the fighter is not lucky enough to receive several injuries of varying severity at once, then compensation will be made according to the most severe.

Registration of an insured event

The mere fact of injury or other injury does not guarantee that the citizen will be paid the due allowance.

When an insurance situation is fixed during the period of military service by a military man or his participation in military training, the likelihood that the state will pay for the damage caused depends on whether the documentation is correctly drawn up, directly in the military structure. If the papers are not properly drawn up or mistakes were made in the medical certificates, then it will be almost impossible to prove anything later in court.

Immediately after the insured event is recorded, the commander of the military unit draws up a certificate of his circumstances in a certain form. In parallel, medical documentation is drawn up, and the serviceman himself prepares an application for the payment of benefits to the insurer. In the event of the death of the insured person, applications are written by all adult family members.

If all the papers are drawn up correctly, then the payment of the insurance amount to the citizen occurs no later than 15 days after the transfer of the necessary documentation to the insurer.

If the insurer delays the payment of compensation, then he will have to pay a penalty to the injured party from his own pocket. One day of delay will cost the insurance company 1% of the total amount of insurance.

Documents required for an insurance company

The packages of documents for coordinating the insurance payment, which are required to be submitted to the insurance company in 2020, differ little from each other.

To receive compensation, you will need to provide:

• Application written by the insured person to the insurance company;
• Certificate from the commander of the military unit about the situation that resulted in injury, disability or death;
• A copy of the medical history or a certificate from doctors from the military unit;
• People who have received the status of a disabled person will need to additionally obtain a copy of the paper from MSEC.

After the recognition of partial or absolute unfitness for service and the end of military training due to injury, it will be necessary to provide insurers with a copy of the order, certified by the military leadership, on dismissal from the personnel.

The same document will be needed if the serviceman received the status of a disabled person before the expiration of one year after the dismissal.

To pay the insurance that is due to family members after the death of a military man, you will need:

1. Applications of each adult relative to the insurance company (children, until they reach the age of majority, fit into the application of the mother or father).
2. Copies of papers that confirm that these people are related to the insured person.
3. A certificate written by a military commander describing the circumstances leading up to death.
4. Copy of death certificate.
5. A copy of the order, certified by the military leadership, on dismissal.

In addition, all family members are required to provide papers that determine their status. Disabled children provide relevant medical certificates, children studying - certificates from educational institutions, etc.

If the death of an employee of the Ministry of Internal Affairs occurred before the expiration of one year after the dismissal, then the described documents also require the decision of the commission, which establishes the relationship between the death of a person and his military past.

Insurance" the only life and health insurer for employees of the Ministry of Internal Affairs for 2018-2019. The company was selected on a non-competitive basis in accordance with government decree. The document was published on the website of the Cabinet of Ministers. Representative " VTB insurance” refused to disclose the size of the premium due to the company.

The previous insurer of employees of the Ministry of Internal Affairs -Central Insurance Company (TSSO) - lost its license at the end of May. central bank thatthe company violated the requirements for financial stability and solvency. Prior to this, at the end of April, the regulator introduced temporary administration into the CSO for the second time.

In December last year, the CSO won a tender for life and health insurance for 788,800 employees of the Ministry of Internal Affairs for 2018-2019. for 13.7 billion rubles.Moreover, the company received a license from the Central Bank for compulsory state insurance of life and health of military personnel just a week before the announcement of the competition.TsSO bypassed the market leaders in the tender - "Sogaz", " VTB insurance" and MAX.The victory of the CSO was not hindered by the fact that in April 2017 the Central Bank introduced temporary administration into the company for the first time for six months- due to the company's improper implementation of the plan to restore solvency.

Even before the competition, MAKS drew the attention of the Federal Antimonopoly Service to the “very strange indicators” presented in the tender, Nadezhda Martyanova, general director of the company, told Vedomosti. “How could 13 billion rubles. transfer state funds to this structure? We're just throwing up our hands!" she was indignant.

MAKS Insurance Development Director Sergey Pechnikov noted that under the terms of the tender, the contract is terminated only in the event of the liquidation of the company and no clauses on the return of the premium were provided in this case. He pointed out that if the license of the Ministry of Internal Affairs was revoked from the CSO, a new competition would probably have to be held. In addition to the Ministry of Internal Affairs, the CSO insured the liability of 148 Russian tour operators.

In June, Deputy Finance Minister Alexei Moiseev said that the Finance Ministry was considering allowing law enforcement agencies to independently pay compensation to the families of dead and injured employees as a temporary measure. In this case, the money would come directly from the budget at the expense of appropriations provided for compulsory state insurance of personnel. According to Moiseev, such a procedure for insurance payments would be acceptable if the law enforcement agencies fail to hold a competition to select an insurer. “As for the insurance of personnel, unfortunately, we now see that [insurance] companies often do not apply for competitions,” Moiseev pointed out (quoted by TASS).

In 2016-2017 insurance contracts for employees of the Ministry of Internal Affairs were concluded retroactively due to the lack of applications for the competition. For example, the insurance contract for 2016 was concluded in September 2016, and for 2017 in June 2017. Competitions were disrupted, among other things, due to the fact that insurers were not satisfied with the price offered by the Ministry of Internal Affairs.

Employees of the Ministry of Defense, the Ministry of Internal Affairs, the Ministry of Emergency Situations, the Federal Penitentiary Service, the Russian Guard, as well as those called up for military training or dismissed from service are subject to compulsory state life and health insurance. For the death of an insured security official, 2 million rubles are paid. compensation, in case of disability - from 500,000 to 1.5 million rubles. For a severe wound, 200,000 rubles are due, for a light one - 50,000 rubles.

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 duration 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 may not, 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, all military personnel (including conscripts), as well as police officers, are beneficiaries. 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 may also qualify 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.

LLC IC VTB Insurance signed government contracts:

• with the Ministry of Internal Affairs of Russia No. 31/25 GK of March 26, 2012 and No. 31/28 GK of March 5, 2013. The subject of the contracts was insurance in 2012-2015 of the life and health of servicemen of the internal troops of the Ministry of Internal Affairs of Russia, citizens called up for military training in the internal troops of the Ministry of Internal Affairs of Russia, persons of ordinary and commanding staff of the internal affairs bodies of the Russian Federation, starting from January 01, 2012.
• with the Federal Drug Control Service of Russia on the implementation in 2012-2016 of compulsory state insurance of life and health of employees of bodies for the control of the circulation of narcotic drugs and psychotropic substances, starting from January 01, 2012.

Payment of sums insured is made in accordance with the following legislative and regulatory documents:

• “On Compulsory State Insurance of Life and Health of Military Personnel, Citizens Called for Military Training, Individuals and Commanders 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 National Guard Troops of the Russian Federation”;
• "On measures to implement the Federal Law "On Compulsory State Insurance of Life and Health of Military Personnel, Citizens Called for Military Training, Individuals and Commanders of the Internal Affairs Bodies of the Russian Federation, the State Fire Service, Employees of Institutions and Bodies of the Penitentiary System, and Troops National Guard of the Russian Federation";
• "On the approval of the Instructions on the organization of work on compulsory state insurance of life and health of employees of the internal affairs bodies of the Russian Federation, military personnel of the internal troops of the Ministry of Internal Affairs of Russia, citizens called up for military training in the internal troops of the Ministry of Internal Affairs of Russia."

In accordance with Article 5 of the Federal Law of March 28, 1998 No. 52-FZ “On Compulsory State Insurance of Life and Health of Military Personnel, Citizens Called for Military Training, Individuals and Commanders of the Internal Affairs Bodies of the Russian Federation, the State Fire Service, Employees institutions and bodies of the penitentiary system, employees of the troops of the national guard of the Russian Federation, employees of the enforcement agencies of the Russian Federation "the amount of insurance amounts is increased (indexed) annually, taking into account the level of inflation in accordance with the federal law on the federal budget for the next financial year and planning period. The decision to increase (indexation) of the said sums insured is made by the Government of the Russian Federation. The specified sums insured are paid in the amounts established on the day of payment of the sum insured.

In 2019, the indexation of insurance amounts was established by Decree of the Government of the Russian Federation dated April 12, 2019 No. 435 “On the indexation in 2019 of the amount of individual payments to military personnel, employees of certain federal executive bodies, citizens dismissed from military service (service), and citizens who undergoing military training."

In 2020, the indexation of insurance amounts was established by Decree of the Government of the Russian Federation dated January 27, 2020 No. 49 “On the indexation in 2020 of the amount of individual payments to military personnel, employees of certain federal executive bodies, citizens dismissed from military service (service), and citizens who undergoing military training."

Beneficiaries who have received insurance payments without indexation established by the said resolutions of the Government of the Russian Federation must apply to the insurance company regarding the additional payment of the corresponding indexation amount with a personal application, to which a copy of an identity document and current bank details must be attached.

The Department of Compulsory State Insurance is responsible for the direct organization and conduct of payments of sums insured.

Hotline phone: 8-800-100-44-40. Insurance documents must be sent to the Company at the following address: 101000, Moscow, Chistoprudny Boulevard, 8/1.