When will the Ministry of Internal Affairs and the insurance company conclude an agreement? Insurance for military personnel of the internal troops of the Ministry of Internal Affairs of Russia and employees of internal affairs bodies of the Russian Federation. Registration of an insured event

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

The previous insurer of employees of the Ministry of Internal Affairs -Central Insurance Company (CSO) - 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 a temporary administration into the CSO for the second time.

In December last year, the CSO won the 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.CSO beat out market leaders in the tender - Sogaz, VTB insurance" and MAX.The victory of the Central Bank was not hindered by the fact that in April 2017 the Central Bank for the first time introduced a temporary administration into the company for six months– due to improper execution by the company of the solvency restoration plan.

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

MAX Insurance Development Director Sergei Pechnikov noted that, according to the terms of the tender, the contract is terminated only in the event of liquidation of the company and no clauses on the return of premiums were provided for in this case. He pointed out that if the Ministry of Internal Affairs license was revoked from the CSO, a new competition would probably have to be held.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 Minister of Finance Alexei Moiseev said that the Ministry of Finance was considering the possibility, as a temporary measure, of allowing law enforcement agencies to independently pay compensation to the families of dead and injured employees. In this case, the money would come directly from the budget through the allocations 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 personnel insurance, 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. The competitions were disrupted, among other things, because the insurers were not satisfied with the price proposed 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 National 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 officer, 2 million rubles are paid. compensation, in case of disability – from 500,000 to 1.5 million rubles. For a serious injury, 200,000 rubles are due, for a light injury - 50,000 rubles.

Dear reader, we are glad to welcome you to our website “site”. In previous materials, we examined the features of compensation payments in the event of a work injury. Despite the fact that the military is not involved in hazardous work, risks to their health arise no less often.

Insurance payments from the Ministry of Internal Affairs are awarded to persons who have suffered serious injuries and mutilations that caused loss of ability to work. In the material we provide a list of diseases that are the basis for insurance payment. We will discuss the procedure, types and timing of receiving assistance in 2019. We will tell you about cases when compensation is not provided.

The article will be useful to all military personnel who have encountered injuries during their service, or want to protect themselves from unpleasant situations. It would be useful for relatives and people close to the military structure to study the material.

The main bill regulating the issue of providing insurance compensation to employees of the Ministry of Internal Affairs is Federal Law No. 52. The original version of the project dated March 28, 1998 was changed several times.

Insurance payments of the Ministry of Internal Affairs to employees, what injuries will be compensated in 2019-2020

Police officers are not entitled to insurance benefits for every injury. What cases are subject to compensation under compulsory insurance will be discussed in this section. Chapter 1 of Federal Law No. 855 provides a list of injuries and concussions, ailments and injuries that are subject to compensation:

penetrating wounds of the skull;
injuries to the chest and abdomen;
bone fractures;
damage to internal and genital organs;
rupture of blood vessels;
amputation of hands and limbs;
dislocations of limbs;
tendon ruptures;
multiple rib fractures;
injuries that caused the loss of a limb;
facial disfigurement due to removal of cartilage tissue;
damage to the pharynx and larynx;
damage to large vessels, nerve trunks;
3-4 degree burns;
poisoning of the body and burns of internal organs.

Depending on the severity of the injury, injuries can be mild or severe. This parameter must be taken into account in the act; it will be used when calculating insurance payments. It is determined after treatment of the patient by a military medical commission.

Grounds for payment of insurance, list of cases:

injuries during employment;
contusions and facial injuries during service;
death of the insured person;
injury causing disability.

Attention! Disability or death that occurred within a year after a person’s dismissal from the Ministry of Internal Affairs may become grounds for receiving military insurance benefits.

In what order is an insured event paid to internal affairs employees in 2019-2020?

If an injury occurs, representatives of the Ministry of Internal Affairs have the right to receive compensation. You can count on it if there are consequences provided for by law. But the mere existence of a problem is not a basis for awarding compensation in 2019. A person must follow a certain procedure:

Obtaining a medical report on the severity and classification of the injury. It is issued by a specialized military medical commission.
Preparing an application for insurance payment.
Transfer of a complete package of papers to the insurance company.
Transfer of funds to an interested party. On remittance 15 days are allotted from the date of the positive decision.

The complete list of papers required to register an insured event within the Ministry of Internal Affairs is contained in PP No. 855, dated July 29, 1998.

Types and amount of insurance for employees of the Ministry of Internal Affairs in case of injury

In this chapter, we will look at the list of benefits available to police officers when they are injured. Let's start with one-time compensation. The amount of payments reaches 2,000,000 rubles. Insurance is paid in cases where injuries have caused the impossibility of further work in the structure of the Ministry of Internal Affairs.

Article 43 of the Federal Law No. 3 “On the Police”, dated 02/07/2011, guarantees one-time compensation assistance to persons who have lost the opportunity to work in the structure of the Ministry of Internal Affairs due to an injury received at work.

The list of payments for injuries sustained by employees of the Ministry of Internal Affairs is expanded by monthly insurance repayments. This benefit is assigned to those injured persons who have become disabled due to previous injuries. The amount depends on several factors, including:

salary size;
availability and amount of the allowance;
length of service;
disability group.

On a note! Applicants for military insurance compensation include persons called up for training, the commanding staff of the federation and employees of federal tax authorities.

So, the payment will depend on the extent of the damage. Taking into account the type and severity of the injury, a disability group is established. This factor is reflected in the coefficient:

0.1 - for group 1;
0.5 - for group 2;
0.3 – for group 3.

The insurance company assigns one-time compensation to a police officer when he is injured. We will consider the current amounts for 2019 in the proposed list:

2,000,000 rubles with consequences that exclude the possibility of further service in the Ministry of Internal Affairs of the industry.
2,000,00 rubles if the victim dies. The rule applies if death occurs immediately after injury or within one year from the date of injury.
When applying for disability:

at – 1,500,000 rubles;
at – 1,000,000 rubles;
at – 500,000 rubles.

200,000 rubles – for severe injury, concussion.
50,000 rubles – for minor injuries.

Attention! The above-mentioned compensation amounts are subject to annual indexation. The specified parameters are relevant for 2019 - 2020.

Who pays for insurance?

So, the insurance payment is assigned to police officers as compensation for the injury received. It is assigned to the injured citizen himself. But, in the event of his death, the payment is transferred to his relatives. Recipients can be:

spouses;
parents;
minor offspring;
direct line of grandparents.

On a note! Military insurance is provided in case of injury during working hours, while performing official tasks and during non-working periods.

Cases in which police officers are deprived of insurance

Even if police officers were injured during working hours, payment may be denied. Refusal may occur in the following cases:

the injured person has distinguished himself by a socially dangerous act;
the military man was in a state of alcoholic, toxic or drug intoxication;
the injury was the result of deliberate, intentional acts of the victim himself.

If a person has no grounds for assigning a payment, there are circumstances that prevent its provision, a justified refusal is issued. It must be sent to the applicant within 15 days from the date of submission of documents. He, in turn, can appeal the corresponding decision to higher authorities, in court.

On a note! If a refusal is issued, it must be sent to the applicant in written format indicating the reason for the negative decision. This is done within 15 days from the date of submission of the package of papers.

Results

Regardless of the department, unit, rank in which the service takes place, the life/health of an employee of the Ministry of Internal Affairs is insured. The amounts that are paid for injuries or disabilities to beneficiaries are established by government regulations. If a person is injured, disabled or disabled, or is unable to work, he is paid compensation. If the victim dies, his relatives receive compensation.

To receive assistance, the person himself, his relative (if the applicant himself has died), a representative with a power of attorney must contact the insurance company with which the contract was previously concluded. It is necessary to provide an application and documents according to the list. 15 days are allotted for processing the application, the same period is given for transferring funds to the victim.

Current questions and answers

Question: Will insurance be paid to a police officer who breaks his leg while fishing in another region?
Answer: A broken leg during off-duty hours is subject to compensation. The region doesn't matter. You need to pay attention to another circumstance, namely whether there was alcohol intoxication.
Question: The wound was received while on duty, but was not assigned unfitness; only category B-4 was assigned. They argue that the spleen is not a vital organ; I can live normally without it. Does this mean I will not receive compensation of 2 million rubles?
Answer: Until they are assigned unfitness (category D) for further service in the Ministry of Internal Affairs, this type of compensation will not be paid.
Question: What should you do if you are injured?
Answer: First, you need to document the insured event. Next, the employee’s management prepares a report on the circumstances (presence/absence of misconduct in the actions of the ward). Then you can send an application to the insurer and provide him with evidence. If the decision is positive, the funds will be transferred. If the result is negative, you can appeal the decision in court.

Order of the Ministry of Internal Affairs of the Russian Federation dated October 9, 2012 N 924 “On approval of the Instructions on the organization of work on compulsory state life and health insurance of employees of internal affairs bodies of the Russian Federation and military personnel internal troops Ministry of Internal Affairs of Russia, citizens called up for military training in the internal troops of the Ministry of Internal Affairs of Russia" (with amendments and additions)

Order of the Ministry of Internal Affairs of the Russian Federation of October 9, 2012 N 924
"On approval of the Instruction on the organization of work on compulsory state life and health insurance 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"

With changes and additions from:

In accordance with Decree of the Government of the Russian Federation dated July 29, 1998 N 855 “On measures to implement the Federal Law “On compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, State fire service, authorities for control over the circulation of narcotic drugs and psychotropic substances, employees of institutions and bodies of the penal system" - I order:

1. Approve the attached Instruction on the organization of work on compulsory state life and health insurance 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.

3. Control over the implementation of this order is assigned to the Deputy Ministers, who are responsible for the relevant areas of activity.

Registration N 26880

______________________________

* Collection of Legislation of the Russian Federation, 1998, No. 32, Art. 3900; 2003, N 33, art. 3269; 2004, N 8, art. 663; 2008, N 38, art. 4314; 2012, N 2, art. 290.

A new procedure has been approved for organizing compulsory state life and health insurance for employees of the Russian Internal Affairs Ministry, military personnel of the internal troops of the Russian Ministry of Internal Affairs, and citizens called up for military training in these troops.

The conditions and procedure for insurance, as well as the amount of insurance amounts, are determined by the Law on compulsory state insurance of the life and health of military personnel, citizens called up for military training, private and commanding personnel of the Department of Internal Affairs of Russia, the State Border Service of Russia, drug control authorities and the penal system.

The list of injuries (wounds, injuries, concussions), classified as severe or mild, in the presence of which a decision is made on the occurrence of an insured event for the insured persons, is approved by the Government of the Russian Federation.

For each fact of injury or death, an investigation is carried out. Duration - 10 days. At the same time, the circle of persons entitled to insurance amounts is determined. To receive them, you must submit an application (the form is provided). The insurance amounts are distributed among the beneficiaries in equal shares.

The personnel department and the military medical commission, within 10 days from the date of the beneficiary’s application, prepare and issue the documents necessary for making a decision on the payment of insurance amounts. We are talking, in particular, about certificates about the circumstances of death, the occurrence of an insured event, and the severity of the injury (wound, injury, concussion) received by the insured person.

Chiefs (commanders), when recruiting or calling up for service (training), are obliged to familiarize citizens with the rules of insurance, the procedure for registration necessary documents, the method of payment of insurance amounts.

Insurance payments to employees of the Ministry of Internal Affairs for disability - a way to compensate the family and the victim for the damage, which he suffers due to the inability to no longer 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 will be difficult to prove the occurrence of an insurance situation.

Let's look at the list of injuries for insurance payments to military personnel approved for 2020.

Who is subject to compulsory insurance?

When does the insurance coverage begin?

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

Among conscripts the beginning of service is considered the moment the recruit is awarded a military rank;
For contract soldiers- from the date of signing the contract;
Those who arrived for military training- hour of departure from the local military registration and enlistment office.

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

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

The situation is becoming dangerous 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 dismissal or the end of military training, a former military man becomes disabled due to injury or his death is recorded.

It is more difficult to receive payment of the insured amount for a situation that arose after expulsion from the authorities. This will require a decision by a specially convened commission.

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

Insurance cases

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

So, The insurance company undertakes to pay money if:

The soldier was wounded, shell-shocked, traumatized or received other damage of mild or moderate severity during military service;
An employee of the Ministry of Internal Affairs has become disabled, but only if this condition arose as a result of an injury or illness during service or military training;
A person performing military service died as a result of receiving an injury incompatible with life or suffering from an illness;
A serviceman was discharged because he was declared partially fit or unfit for military service if such a condition caused an injury, damage or illness suffered during service.

Also Insured events include death or disability, which are recorded for 12 months after expulsion, when their indisputable relationship with service is established.

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

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

When the insurance company does not pay compensation

Alas, not in all cases of shell shock or other health problems, a citizen performing military service or participating in military training can insist on receiving benefits.

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

This will happen if the insurance situation:

Occurred as a result of the actions of a serviceman under the influence of alcohol or drugs;
She was deliberately provoked by a serviceman with the aim of harming her own health;
It was the result of a soldier’s actions that were recognized as posing a threat to the health of others.

Sometimes the head of a military unit makes attempts to “hush up the matter” in order to avoid paperwork and not record the fact of injury.

The command has no right to refuse to prepare the required documents for payment of benefits to an employee of the Ministry of Internal Affairs.

Fact of intoxication or others possible reasons refusals of insurance must be recorded by an expert and transferred to the insurer.

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

When Insurance Company still decides to refuse compensation to the serviceman for damages, then it is obliged to notify interested parties about this in writing . The decision must be motivated and transmitted no later than 15 days from the date of receipt of the request for payment of compensation.

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

Who receives payment for the deceased?

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

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

Thus, the beneficiary in the event of the death of a serviceman may become:

Second spouse;
Parents of a serviceman or persons replacing them for at least five years;
Grandparents who raised the victim for at least three years;
Children who have not reached the age of majority;
Adult children with disabilities whose disability was confirmed before reaching adulthood;
Children of the military, until they reach the age of 23, who are studying in educational institutions;
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 it learned about it.

If it so happens that the beneficiary died before receiving the payment of the insured amount, then it can be paid to his heirs. To do this, they will need to provide the insurance company with papers that confirm the right of inheritance and a copy of the death certificate.

Amount of insurance payments in 2020

The severity of the illness or injury and the classes of partial disability affect the amount of insurance 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 insurance cases described above arises.

The amount of insurance 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 of two million Russian rubles.

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

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

If, during military service or within one year after dismissal, as a result of re-examination, the serviceman’s disability class is increased, the insurer will be forced to pay the difference in classes.

The state estimated the consequences of severe injury at 200 thousand rubles. A slight injury to the insured person, according to officials, is “worth” 50 thousand fish.

When the injury results in 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, Military personnel who become disabled are entitled to benefits paid monthly. Such benefits are also awarded to the families of fallen soldiers.

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

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

If a fighter is unlucky enough to receive several injuries of varying severity at once, then compensation will be made according to the most severe one.

Registration of an insured event

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

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

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

If all the papers are completed 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 payment of compensation, then he will have to pay a penalty to the injured party from his personal pocket. One day of delay will cost the insurance company 1% of the total insurance amount.

Documents required for the insurance company

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

To pay compensation you will need to provide:

A statement written by the insured person to the insurance company;
A 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 disabled status will additionally need to obtain a copy of the paper from MSEC.

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

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

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

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

In addition, all family members are required to provide papers determining 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 dismissal, then the described documents also require a decision of the commission establishing the relationship between the death of the person and his military past.

LLC IC "VTB Insurance" concluded government contracts:

with the Ministry of Internal Affairs of Russia No. 31/25 Civil Code dated March 26, 2012 and No. 31/28 Civil Code dated March 5, 2013. The subject of the contracts was insurance in 2012-2015 of the life and health of 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, private and commanding personnel of the internal affairs bodies of the Russian Federation, starting from January 1, 2012.
with the Federal Drug Control Service of Russia on the implementation in 2012-2016 of compulsory state life and health insurance for employees of agencies for control of the circulation of narcotic drugs and psychotropic substances, starting from January 1, 2012.

Payment of insurance amounts is made in accordance with the following legislative and regulatory documents:

“On compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, the State Fire Service, employees of institutions and bodies of the penal system, military personnel national guard Russian Federation";
“On measures to implement the Federal Law “On compulsory state insurance of life and health of military personnel, citizens called up for military training, private and commanding officers of the internal affairs bodies of the Russian Federation, the State Fire Service, employees of institutions and bodies of the penal system, military personnel National Guard of the Russian Federation";
“On approval of the Instruction on the organization of work on compulsory state life and health insurance 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 up for military training, private and commanding personnel of the internal affairs bodies of the Russian Federation, the State Fire Service, employees institutions and bodies of the penal system, employees of the National Guard of the Russian Federation, employees of the compulsory enforcement authorities of the Russian Federation" the amount of insurance amounts is increased annually (indexed) taking into account the level of inflation in accordance with the federal law on the federal budget for the next fiscal year and planning period. The decision to increase (indexate) the specified insurance amounts is made by the Government of the Russian Federation. The specified insurance amounts are paid in the amounts established on the day of payment of the insurance amount.

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

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

Beneficiaries who received insurance payments without taking into account the indexation established by the specified resolutions of the Government of the Russian Federation must contact the insurance company regarding the additional payment of the corresponding indexation amount with a personal statement, to which must be attached a copy of an identification document and current bank details.

The Department of Compulsory State Insurance is responsible for the direct organization and payment of insurance amounts.

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