About the company
Kapital Medical Insurance LLC (Kapital MS) is one of Russia's largest health insurance organisations. It has worked in the compulsory health insurance (OMS) system since 1994: first within the Rosgosstrakh structure, and since 2002 as a separate company. Until 2018 it was called RGS-Meditsina LLC. The CEO is Nadezhda Ivanovna Grishina. Its Bank of Russia licence is OS No. 3676-01 dated 16.09.2025 for compulsory health insurance.
Kapital MS operates in 41 Russian regions and has more than 660 offices. As of 1 October 2026, 21,814,256 people were insured with it under OMS — roughly one in seven residents of the country.
According to the company, in 2025 it paid 142.3 million invoices from medical organisations, and funds received to pay for medical care totalled RUB 509.7 billion. Its specialists carried out more than 3.8 million reviews of the volume and quality of care, with violations found in about one case in six. Contracts are in place with more than 4,800 medical organisations.
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 Kapital MS — via the contact centre or your insurance representative.
Contacts
Federal contact centre: 8 800 100-81-02 (24/7, free of charge); regional contact centres also operate. Head office: Moscow, Kadashevskaya Embankment, 30. E-mail: oms@kapmed.ru, website — www.kapmed.ru, with an online policy application, addresses of issuing points, a mobile app and a form for complaints about violations of patients' rights.
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.