About the company
MAKS (Moscow Joint-Stock Insurance Company JSC) is a multi-line insurer founded in Moscow on 13 March 1992. The company heads the MAKS insurance group, which also includes the specialist life insurer MAKS-Life. According to the company, the group has branches and representative offices in all Russian regions, and the group’s combined share capital is RUB 4.67 billion.
MAKS is a member of the Russian Union of Motor Insurers (RSA). Its Bank of Russia licences No. 1427 cover voluntary property and personal insurance, OSAGO, OSOPO, OSGOP, compulsory state insurance of military personnel and reinsurance. Information on management bodies is temporarily not published under the decision of the Bank of Russia Board of Directors of 19.12.2025.
Insurance products
For individuals
- OSAGO (compulsory motor third-party liability insurance) and KASKO (motor hull insurance).
- Voluntary health insurance (DMS), including policies for migrants and foreign nationals (a DMS policy is required, for example, to obtain a work patent), and accident insurance.
- Home and apartment insurance, mortgage insurance.
- Travel insurance and animal insurance.
For business
The corporate line is traditionally strong: employee health and accident insurance, commercial property, construction and erection risks, cargo, fleets, marine, general and professional liability, agricultural insurance, compulsory OSOPO and OSGOP.
When choosing employee health insurance, compare not only the price but also the list of clinics, how appointments are booked (via the insurer’s medical desk or directly), limits for dentistry and hospitalisation, and whether relatives can be added. A good DMS plan is a notable part of the benefits package and an argument in hiring, and premiums under DMS contracts of one year or more are tax-deductible expenses for the company within the statutory limit.
Key figures
According to the Bank of Russia, in 2025 MAKS collected RUB 8.7 billion in premiums and paid out RUB 6.5 billion, ranking 33rd in the market (a share of about 0.2%). In the first half of 2026 premiums grew: RUB 6.4 billion in premiums and RUB 3.0 billion in payouts, lifting the company to 30th place.
Rating and financial strength
On 28.11.2025 the National Rating Agency (NRA) affirmed MAKS’s credit rating at AA|ru|, changing the outlook to “developing” — meaning the rating could move either up or down in the future. The Expert RA rating was withdrawn in January 2025: the company decided to keep a single national-scale rating.
OSAGO and KASKO
The OSAGO price is determined by a single Bank of Russia formula; limits are RUB 400,000 for property and RUB 500,000 for harm to life and health. The European accident report (europrotokol) without the traffic police covers up to RUB 100,000, or up to RUB 400,000 when recorded via Gosuslugi Avto. The OSAGO calculator helps estimate the cost, and the KASKO calculator does the same for hull cover.
Contacts and claims
- Hotline: 8 800 333-44-03 (free within Russia), e-mail: info@makc.ru.
- Website: www.makc.ru — office addresses, accident guide for drivers, rules and tariffs.
- Head office: 50 Malaya Ordynka Street, Moscow.
After a road accident, complete the paperwork (europrotokol or via the traffic police), photograph the scene and the damage and file a claim with the at-fault driver’s insurer under OSAGO, or with MAKS under a KASKO policy. Under DMS, all questions about doctor appointments and treatment approval are handled through the medical desk shown on the policy. If property is damaged, preserve the evidence until the inspection.
If you are not satisfied with the payout, send a written claim and then apply to the Financial Ombudsman — free for individuals. Learn more in the Insured event section. Polis Re specialists can help compare MAKS with other insurance companies or choose a policy — submit a request.