About the company
JSC MAKS-M (full name: Medical Joint-Stock Insurance Company) is an insurance medical organization (SMO) that works only in the compulsory medical insurance (OMS) system. It was founded on 17 October 1994 and is part of the MAKS insurance group; voluntary insurance within the group is provided by MAKS insurance company.
MAKS-M is one of the largest SMOs in Russia. Its offices and policy issuing points operate in Moscow, St Petersburg, the Moscow Region and dozens of other regions — from the Belgorod and Rostov regions to Bashkortostan, Perm Krai and the Tomsk Region.
How the company helps insured people
An insurance medical organization is an intermediary between the patient, the OMS fund and clinics. For the insured it:
- issues the OMS policy and provides an extract on request;
- reminds insured people about health check-ups (dispanserizatsiya) and preventive examinations through its insurance representatives;
- checks the timing, scope and quality of medical care and carries out expert reviews following complaints;
- helps if free care is refused or a clinic demands payment for services covered by the state guarantee programme;
- advises on choosing a clinic and a doctor and on booking diagnostic tests.
If you need more than the OMS programme offers — clinics without queues or a wider range of services — consider voluntary medical insurance (DMS); employers can look at DMS for employees.
How to choose or change your health insurance company
An OMS policy (compulsory medical insurance) is free of charge — neither the insurance medical organization (SMO) nor a clinic may charge for it. You choose the company yourself, including when you get your first policy.
- You can switch SMO once per calendar year by applying no later than 1 November, or more often if you move or the company stops working in the OMS system.
- Applications are accepted at the chosen SMO’s office or policy issuing point, and via the Gosuslugi public services portal.
- Since 1 December 2022 the OMS policy is digital: the policy number is kept in the unified register of insured persons, and a paper extract is issued on request.
- The policy is valid throughout Russia but not abroad — for trips you need travel insurance.
Figures
According to the company, as of 1 September 2026 MAKS-M had 19,517,840 people insured under OMS (19,575,164 as of 1 January 2026).
The money an SMO receives is not insurance premium in the usual sense: funds for medical care come from the regional OMS fund, so such companies are usually not ranked among insurers by premiums. The key indicator is the number of insured people.
Contacts
MAKS-M’s unified hotline is 8 800 333-60-03 (free of charge). Head office: 50 Malaya Ordynka St, Moscow. On www.makcm.ru you can select your region, find the nearest office, order a policy and file a complaint about a medical organization.
If the SMO cannot resolve your issue, you can contact the regional OMS fund of your region. To compare insurers for other types of cover, see the Polis Re insurance company directory.