About the company

JSC State Medical Insurance Company Zapolyarye was established in 1993 and works solely in compulsory medical insurance under Federal Law No. 326-FZ “On Compulsory Medical Insurance in the Russian Federation”. It has been a member of the All-Russian Union of Insurers since 17 May 2017.

Zapolyarye has offices in Salekhard, Labytnangi, Noyabrsk, Gubkinsky, Muravlenko, Nadym and Novy Urengoy, as well as in the Yamalsky, Shuryshkarsky and Priuralsky districts. Its charter capital is RUB 241.9 million.

How the company helps insured people

You notice the SMO’s work when something goes wrong at a clinic or hospital. The company:

  • 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;
  • issues the OMS policy and provides an extract on request.

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.

OMS policy: how to get it and how to change your SMO

Compulsory medical insurance is free for the insured: care under the state guarantee programme is paid for by the regional OMS fund, while the insurance medical organization supports the patient.

  • To apply you need a passport and SNILS (individual insurance account number); for a child — a birth certificate and a parent’s documents. Apply at the SMO office or via Gosuslugi.
  • The policy is now digital: since 1 December 2022 an extract from the unified register of insured persons is issued instead of a printed form, if you need one.
  • You can change SMO once a year — before 1 November — and more often if you change your place of residence.
  • The OMS policy works in any Russian region but not abroad: for trips, buy travel insurance.

Figures

According to the company, as of 1 August 2026 Zapolyarye had 266,720 insured people.

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

Hotline: 8 800 700-34-89; contact centre: 8 800 100-89-03; office: +7 (34922) 9-92-95. Address: 4 Mayakovskogo St, Salekhard. polar-strahovka.ru lists policy issuing points and patient rights offices and accepts policy applications.

If the SMO cannot resolve your issue, you can contact the regional OMS fund of the Yamalo-Nenets Autonomous Okrug. To compare insurers for other types of cover, see the Polis Re insurance company directory.