About the company
Ingosstrakh-M Insurance Company LLC is one of the largest health insurance organisations in Russia's compulsory health insurance (OMS) system and part of the Ingosstrakh group. It has worked on the OMS market for 25 years, and 7,748,108 people are insured with it under OMS. Ingosstrakh-M has been a member of the All-Russian Insurance Association since 2017.
The company operates under Bank of Russia licence OS No. 3837-01 for compulsory health insurance (reissued on 17.03.2026). In 2024 the Bank of Russia revoked its licence for voluntary personal insurance at the company's own request: Ingosstrakh-M gave up this activity and works only in OMS. Within the group, voluntary health insurance is provided by Ingosstrakh.
What a health insurance organisation and an OMS policy are
A health insurance organisation (SMO) operates in the compulsory health insurance system (OMS) under Federal Law No. 326-FZ. It issues policies, pays for the medical care of insured people out of OMS funds, checks the timeliness and quality of treatment and protects patients' rights, including through insurance representatives.
- The OMS policy is free — nobody should charge you for issuing it.
- The policy is valid throughout Russia: it entitles you to free medical care in any region.
- Today the policy exists primarily as an entry in the unified register of insured persons: the unique policy number, an extract or a digital policy on the Gosuslugi public services portal is enough; a paper form is issued on request.
How to choose or change your health insurance organisation
You can choose an SMO from the list of companies working in the OMS system in your region. The law allows you to change it once per calendar year — the application must be filed no later than 1 November — and more often if you move or if the SMO stops operating in the region. Apply at the office of the chosen company or via Gosuslugi; you will need a passport (a birth certificate for a child) and SNILS (individual insurance account number).
If a clinic refuses free care, misses the required time limits or asks you to pay for services covered by the state guarantee programme, contact Ingosstrakh-M — via the contact centre or your insurance representative.
On the company's website you can apply for a digital policy, order delivery of a policy to your office, find out how to register with a clinic and sign up for a health check-up (dispanserizatsiya).
Contacts
Unified contact centre: 8 800 600-24-27 (24/7). Address: Moscow, Pyatnitskaya Street, 12, building 2. E-mail: Ingos-m@ingos.ru, website — www.ingos-m.ru, with office addresses by region and a feedback form. The IngoMobile app also supports OMS policies.
OMS does not cover everything: extra services, treatment at private clinics of your choice and many all-inclusive programmes are available under voluntary health insurance (DMS). A request to Polis Re specialists will help you compare DMS programmes from different insurers.