VTB Insurance of military personnel of the internal troops of the Ministry of Internal Affairs and employees of the internal affairs of the Russian Federation. Ministry of Internal Affairs - insurance itself won the Tender for the Insurance of the Ministry of Internal Affairs

Insurance payments to employees of the Ministry of Internal Affairs for Disability - way to compensate for the family and the most injured damagewhich he carries because of the inability to more lead a full-fledged lifestyle and earn.

But any insurance payments to the servicemen are accrued subject to the availability of true documents. Without these papers, it is possible to prove the emergence of an insurance situation with great difficulty.

Consider a list of injuries to pay insurance to military personnel approved for 2020.

Who are subject to compulsory insurance

When the insurance begins

The subject is insured from the first time of the military service.

• In recruits the beginning of the service is the moment of assigning a military title to the recruitment;
• Controuting - from the date of signing the contract;
• For military fees - an hour of departure from the department of the local military registration and enlistment office.

The service of the Fatherland is ends on that day when a person leaves ordered from personnel or at the time of his departure from the territory where military fees were held.

Insurance payments to military personnel during injury, receiving contusion, other health problems, which led to disability, will pay the victim himself. After his death, relatives can get money.

The situation becomes insuredwhen it is fixed during the period of carrying service personnel or his participation in the fees

Pay the full amount of compensation will also have, if the former military for one year after the dismissal or the end of military fees, due to injury, disability was purchased or its death was recorded.

Get the payment of the sum insured on the situation that has arisen after the deductions from the authorities is more complicated. This will require a decision of a specially convened commission.

This structure will confirm that the person has become a disabled person or died as a result of the long-term consequences of military service or participation in military gatherings.

Insurance cases

Legally recorded, what situations in the Russian Federation it is customary to be insured.

So, the Insurer Company undertakes to pay money if:

1. The fighter was injured, contused, injured or received other damage to easy and moderate severity during the period of military service;
2. The employee of the Ministry of Internal Affairs became disabled, but only if this state arose due to injury or transferred disease in the service or military fees;
3. The man carrying military service died due to the receipt of the injury incompatible with the life of either the suffered disease;
4. The soldier was dismissed because he was recognized as partially suitable or unsuitable for military service, if such a state was caused by injury, damage or suffered in the service of the disease.

Also insurance cases include death or disabilitywhich have been fixed for 12 months after deductions, when establishing their indisputable interconnection with service.

The decision about whether the insurance will be paid to the serviceman, it is made not by the military command, but an insurance company.

It is based on the information set out in the commands provided by the command.

When an insurance company is not paying compensation

Alas, not in all cases at contusion or other health problems, a citizen, carrying military service or participating in military fees, may insist on receiving a benefit.

The insurer can take advantage of the right to refuse the payment of the sum insured by relying on the existing legislation of the Russian Federation.

This will happen if the Insurance Situation:

• As the result of the actions of a military personnel under the action of alcohol or drugs;
• Was triggered by the servicemen deliberately, in order to harm their own health;
• It became the consequence of the actions of the serviceman who were recognized as carrying a threat to the health of others.

Sometimes the head of the military unit is attempting to "lean the case" to avoid paper red tape and not fix the fact of injury.

The command does not have the right to refuse to design the required documents to pay benefits to the Ministry of Internal Affairs.

The fact of intoxication or other possible reasons for the failure of insurance should be recorded by the examination and transferred to the insurer.

If the court proceedings will be established that the victim is brought to suicide, the insurer will not be able to refuse to relatives in paying.

When the insurance company still decides to refuse a serviceman in compensation for damage, she is obliged to notify the stakeholders in writing. The decision is necessarily motivated and transmitted no later than 15 days from the date of receipt of the request for compensation.

If disagreements arise, the affected party can take advantage of the right to challenge the verdict of the insurance in court.

Who receives the payment for the deceased

Unfortunately, contusion or other health problems are not the worst thing that can happen to a man carrying military service.

If, during the period of military service, the citizen died, then the insurer pays his native benefit.They become beneficiaries.

So, the beneficiary in the case of the death of a soldier can be:

1. Second spouse;
2. Parents of a serviceman or persons who replace them at least five years;
3. Grandmothers or grandfathers who brought up the victim for at least three years;
4. Children who have not achieved adult age;
5. Adults of disabled children who have been confirmed by disabilities before the onset of adult age;
6. Military children, until they reach the age of 23 years, who are trained in educational institutions;
7. People who are under the care of the insured person.

The structure where the victim served is obliged to inform relatives about the occurrence of the insured event immediately as soon as he learned about him.

If it happened so that the beneficiary died earlier than received the payment of the insurance amount, then it can be paid to his heirs. To do this, they will need to provide the Paper Insurer Firm that confirm the right of inheritance and a copy of the death certificate.

The size of insurance payments in 2020

The severity of the disease or injury obtained, the classes of partial disability affect the amount of the sum of insurance of servicemen.

The legislative act "On Mandatory State Insurance ..." is determined among other things and the amount of compensation payments in 2020, which the Russian Federation undertakes to produce when any of the insurance cases described above arises.

The amount of insurance amount does not depend on the duration of the service and merit in front of the homeland.

Therefore, relatives and members of the Military Family who died during the passage of military service in any rank may qualify for compensation for two million Russian rubles.

If the fulfillment of combat tasks turned to a fighter by injury or caused the cause of the disease, which subsequently led to disability, then the amount of payment of persons with disabilities depends on the established group:

• III - 500 thousand rubles;
• II - 1 million rubles;
• I-I - one and a half million 1.5 million rubles.

If during the period of military service or within one year after dismissal as a result of re-examination, the serviceman is increasing the class of disability, the insurance company will be forced to pay the difference of classes.

The consequences of severe injury state estimated 200 thousand rubles. Easy wounds of the insured person according to officials "worth" 50 thousand fish.

When the consequence of the injury was the absolute / partial unsuitability of the service in the bodies, followed by dismissal, the insurance company compensates for the victim of 50 thousand rubles.

In addition to one-time insurance payments, the military, which have become disabled, relies the benefits paid monthly. Such benefits are also charged by the families of the dead fighters.

But a citizen who received contusion or other injury is not provided for any monthly payments.

The list of injuries and their "category" are recorded in the Russian Federation to continuously in order to avoid disagreements when establishing the severity of injuries, and, accordingly, the amount of material compensation.

If the fighter was not lucky enough to get several injuries in different gravity at once, then compensation will be made on the most severe.

Registration of the insured event

The fact of injury or other injury does not guarantee that the citizen will be paid by the allowance.

When the insurance situation was recorded during the military service of military personnel or his participation in military fees, the likelihood that the state will pay damage to the damage depends on whether the documentation is properly issued correctly in the military structure. If the papers are not properly appropriately either, errors in medical certificates were made, then to prove that either then in court will be almost impossible.

Immediately after the insured event is recorded, the commander of the military unit issues a certificate of its circumstances on a certain form. In parallel, medical records are issued, and the serviceman himself prepares an application for the payment of benefits to the insurer. In the event of the death of the insured person, the statements write all adult family members.

If all the papers are issued true, then the payment of the insurance amount is occurring no later than 15 days after the transfer of the necessary documentation to the insurer.

If the insurer delays the payment of compensation, he will have to pay a penalty for the affected side of the personal pocket. One day of delay will cost an insurance company in 1% of the total amount of insurance.

Documents required for insurance company

Packages of documents for coordinating insurance payments, mandatory for the provision in the insurance company in 2020, differ in each other.

To pay compensation, you will need to be provided:

• A statement written by the insured person to the insurance company;
• Help from the commander of the military unit about the situation that caused injury, disability or death;
• Copy of the history of the disease or certificate from physicians from the military unit;
• People who received the status of a disabled person will need to additionally get a copy of paper from MCEC.

After recognizing partial or absolute unusability of the service and the end of military fees due to injury, it will be necessary to provide insurers a copy of the order certified by military leadership, about dismissal from personnel.

The same document will be needed if the soldier received the status of a disabled person before the expiration of one year after dismissal.

For payment of insurance, which relies with family members after the death of the military, will need:

1. Applications of each adult relative of the insurance company (children, until they reach the age of majority, fit into the statement of Mother or Father).
2. Copies of papers that confirm that these people are in related links with the insured person.
3. Help written by a military commander, with a description of the circumstances preceding death.
4. Copy of death certificate.
5. A copy of the order certified by the military leadership, about the dismissal.

In addition, all family members are obliged to provide papers defining their status. Disabled children provide relevant medical certificates, educational children - certificates from educational institutions, etc.

If the death of an employee of the Ministry of Internal Affairs occurred before one year after dismissal, then the documents described also requires the decision of the Commission that establishes the relationship between the death of a person and its military past.

Insurance »The only insurer of the life and health of the Ministry of Internal Affairs for 2018-2019. The company is chosen on a non-competitive basis according to government order. The document is published on the Cabinet of Ministers. Representative VTB Insurance "refused to disclose the amount of the company of the premium.

Previous Insurer of the Ministry of Internal Affairs -Central Insurance Society (CSO) - Licenses lost at the end of May. Central Bank, thatthe company has violated the requirements for financial sustainability and solvency. Before that, at the end of April, the regulator has introduced a temporary administration in the CSO.

The CSO in December last year won the tender for life and health insurance 788,800 employees of the Ministry of Internal Affairs for 2018-2019. for 13.7 billion rubles.Moreover, the company received a license of the Central Bank for compulsory state insurance of the life and health of military personnel in just a week before the announcement of the competition.CSO went around the market leaders in the tender - "SOGAZ", " VTB Insurance "and Max.The victory of the CSO did not prevent the fact that in April 2017 the Central Bank introduced a temporary administration for six months in the company - Because of the inadequate execution of a solvency recovery plan.

Max also paid the attention of the federal antimonopoly service to "very strange indicators", presented in the tender, said "Vedomosti" Company General Director Nadezhda Martyanov. "As it was possible 13 billion rubles. Government convey to this structure? We just breed your hands! " She was indignant.

Insurance Development Director Max Sergei Pechniki noted that under the terms of the tender, the contract ceases only in the event of the company's liquidation and no points on the return of the premium in this case were not envisaged. He pointed out that in the case of a review of the CSO license, the Ministry of Internal Affairs is likely to have a new competition. In addition to the Ministry of Internal Affairs in the CSO, the responsibility of 148 Russian tour operators was insured.

In June, Deputy Deputy Minister Alexei Moiseev said that the Ministry of Finance was considering the possibility as a temporary measure to allow the powerful departments to independently pay compensation to the families of the dead and affected employees. In this case, the money would be directly from the budget due to the allocations provided for on compulsory state insurance of personnel. According to Moiseeva, such an order of insurance payments would be acceptable if the power departments will not be able to hold a contest for the choice of the insurer. "As for the insurance of personnel - unfortunately, we are now seeing that there are often [insurance] companies for contests often," Moses pointed out (quote on TASS).

In 2016-2017 The insurance contracts of the Ministry of Internal Affairs were posedor due to the lack of applications for the competition. For example, the insurance contract for 2016 was concluded in September 2016, and for 2017 - in June 2017 the competitions were broken by the fact that insurers did not suit the price proposed by the Ministry of Internal Affairs.

The staff of the Ministry of Defense, the Ministry of Internal Affairs, Ministry of Emergency Situations, FSIN, Rosgvadia, and also designed for military fees or dismissed from the service are subject to compulsory state insurance of life and health. For the death of the insured cell, 2 million rubles is paid. compensation, in case of disability - from 500,000 to 1.5 million rubles. 200 000 rubles are relying for heavy injury, for light - 50,000 rubles.

Dear reader, glad to welcome you on our website "Site". In previous materials, we considered the features of payment of compensation upon receipt of work injury. Despite the fact that the military is not associated with dangerous production, risks for their health occur no less often.

Insurance payments in the Ministry of Internal Affairs are relying to persons who suffered grave injuries and injuries that caused the loss of performance. In the material we present a list of diseases that are the basis for the payment of insurance. We will discuss the order, types and timing of obtaining assistance in 2019. We will tell about cases when compensation is not provided.

The article will be useful for all servicemen who have encountered injuries during service, or want to protect themselves from unpleasant situations. The material will be less expensive to learn and relatives close to the military structure to people.

The main bill regulating the issue of providing insurance compensation to the employees of the Ministry of Internal Affairs - FZ No. 52. The initial version of the project dated 28.03.1998 was repeatedly changed.

Insurance payments of the Ministry of Internal Affairs to employees, what injuries will be compensated in 2019-2020

The payment of insurance to police officers is far from each during injury. What cases are subject to refund within the mandatory insurance, let's talk in this section. Chapter 1 of FZ No. 855 gives a list of injections and contusions, ailments and injuries that are subject to refund:

• penetrating injuries of the skull;
• damage to the chest and abdomen;
• bone fractures;
• damage to the internal and genitals;
• break blood vessels;
• amputation of brushes, limbs;
• dislocations of the limbs;
• tendons breaks;
• multiple fractures of ribs;
• injured that caused the loss of limbs;
• disfiguring a person due to removal of cartilage fabrics;
• damage to the pharynx and larynx;
• damage to large vessels, nervous trunks;
• burns 3-4 degrees;
• poisoning of the body and burns of internal organs.

Depending on the severity of the brought to health, injury is light and heavy. This parameter must be taken into account in the act, it will be used when accrued insurance payments. Determines it after the treatment of the patient, a military medical commission.

Reasons for insurance, list of cases:

• injuries while bringing to official activity;
• contusions and injury to the face during service;
• the death of the insured person;
• injury, which caused disability.

Attention! Disability, death that has come during the one-year period after the dismissal of the person from the structure of the Ministry of Internal Affairs may become a basis for obtaining insurance military payments.

In what order the insured event internal affairs employees is repaid in 2019-2020

Upon receipt of injury, representatives of the Ministry of Internal Affairs have the right to receive compensation. It is possible to count on it in the presence of the consequences provided for in the law. But the very presence of a problem is not a reason for appointing compensation in 2019. The person must comply with a certain order:

1. Obtaining a medical conclusion about the degree of severity and classification of injury. Issues its specialized military medical commission.
2. Preparation of a statement for payment of insurance.
3. Transfer of a complete packet of papers into an insurance company.
4. Enumeration of the funds to the stakeholder. The money transfer is given 15 days from the date of acceptance of a positive decision.

A complete list of papers required for registration of the insured event in the structure of the Ministry of Internal Affairs is contained in PP No. 855, which dated July 29, 1998

Types and size of insurance for employees of the Ministry of Internal Affairs during injury

In this chapter, consider the list of payments, relying by police officers upon receipt of injuries. Let's start with one-time compensation. The amount of payments reaches a mark of 2,000,000 rubles. Insurance is paid in the case when injuries caused the impossibility of further labor in the structure of the Ministry of Internal Affairs.

Article 43 of the FZ No. 3 "On the Police", which dated February 07, 2011, is guaranteed a one-time compensation assistance to persons who have lost the opportunity to work in the structure of the Ministry of Internal Affairs in view of the injury received at work.

The list of payments upon receipt of injuries by the Ministry of Internal Affairs expands the monthly repayment of insurance. Such a guide is appointed to those affected persons who have disability due to previously obtained injuries. The amount of it depends on some factors, including:

• salary size;
• the presence and amount of the allowance;
• drill;
• a group of disability.

On a note!The applicants for military insurance compensation include persons designed for fees, the members of the Federation and employees of the federal tax authorities.

So, the payment will depend on the degree of damage. Taking into account the species, the severity of the injury is established a disability group. This factor is displayed on the coefficient:

• 0.1 - for 1 group;
• 0.5 - for 2 groups;
• 0.3 - for 3 groups.

The insurance company appoints a police officer upon receipt of one-time compensation. Currently relevant for 2019, consider in the list of the list:

1. 2,000,000 rubles with consequences that exclude the possibility of further service in the Ministry of Internal Affairs of the industry.
2. 2 000 00 rubles, if the end of the victim has come. The rule acts upon the occurrence of death immediately after injuries or within one year from the date of receipt of the injury.
3. When designing disability:

• at - 1,500,000 rubles;
• at 1,000,000 rubles;
• with - 500,000 rubles.

1. 200 000 rubles - with severe injury, contusion.
2. 50 000 rubles - with easy injury.

Attention! The aforementioned amount of compensation is subject to annual indexation. The specified parameters are relevant for 2019 - 2020.

Who pays insurance

So, the insurance payment is appointed by police officers as compensation for injury. It is appointed by the victim of the citizen. But, in the event of the death of it, the payment is transferred to relatives. Recipients can be:

• spouses;
• parents;
• juvenile siblings;
• straight line of grandparents.

On a note!Insurance by the military should be injured during working hours, when performing official tasks and in non-working period.

Cases in which police workers are deprived of insurance

Even if by injury to police officers collided during working hours, they may refuse to pay. Failure may occur in such cases:

• the affected face was distinguished by a socially dangerous act;
• military stayed in a state of alcoholic, toxic or narcotic intoxication;
• injury became the result of intentional, intentional acts of the victim himself.

If the person has no reason for the purpose of paying, there are circumstances that prevent it with the provision, a reasonable refusal is made. Its 15 days from the date of submission of documents should be sent to the applicant. He, in turn, can appeal against the corresponding decision in higher instances, in court.

On a note!If the refusal is made, it is in writing format, indicating the reason for making a negative decision, should be sent to the applicant. This is done in 15 days from the date of the package of papers.

RESULTS

Regardless of the department, divisions, the title, which hosts the service, life / Health of the Ministry of Internal Affairs is insured. Amounts that are paid for injury or a group of disability beneficiaries are established by government decrees. If the person gets injury, injury and disability, deprived of performance, it is paid compensation. In the event of the death of the victim, his relatives receive reimbursement.

To obtain assistance, the face itself, his relative (if the applicant himself died), a representative with attorney must contact the insurance company, with which the contract was previously concluded. It is necessary to provide a statement and documents on the list. For the processing of the application, 15 days is given, the same period is given to the transfer of funds to the victim.

Current questions and answers

Question: Will the police officer be paid, who broke his leg on fishing and in another region?
Answer: Fracture of legs are subject to compensation. The region does not matter. You need to pay attention to another circumstance, but whether there was an alcoholic intoxication.

Question: The wound was obtained when serving, but no unesure is assigned, prescribed only the category B-4. It is argued by the fact that the spleen is not a vital body, without it I can live normally. So I will not get compensation 2 million rubles.?
Answer: Until the dissent (Category D), for further carrying out service in the Ministry of Internal Affairs, will not be paid this type of compensation.

Question: What should be done during injury?
Answer: First - you need to fix the insured event. Further, the employee's management is preparing a report on the circumstances (the presence / absence of misconduct in the actions of the ward). Then you can send an application to the insurer, providing him with evidence. If the solution is positive, funds are listed. If the result is negative, you can appeal the decision in court.

The Ministry of Internal Affairs of Russia in 2017 has already held a competition several times among insurance companies, but no organization has submitted its application for participation. The fact is that the amount of payments and the procedure for their charges are regulated by federal legislation, and therefore, insurers are unprofitable to have such a client. VTB contract Insurance of the Ministry of Internal Affairs ended in 2015, after which the insurance company did not want to extend cooperation. During the contract, she had to pay police officers and a military personality, much higher than the contribution from the ministry.

Insurance of employees of the Ministry of Internal Affairs in VTB

In 2012, a contract was signed between the insurance company VTB 24 and the Ministry of Internal Affairs on the provision of services. After that, in Russian legislation, changes and the amount of insurance payments occurred, as well as cases in which citizens claim compensation have changed. If earlier the amount of payment was calculated taking into account the title and salary of the employee, then it is currently fixed.

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As a result of VTB, insurance paid police workers and servicemen more than 20 billion rubles during the contract (after changes in legislation). Considering the project to be unprofitable, the insurer did not express the desire to insure the Ministry of Internal Affairs, like all other companies.

Provision of services in 2017

In accordance with federal law, the insurance company cannot at its discretion to reduce the amount of payment to customers, compared with those stipulated in the Federal Law No. 52. The Insurer is fully responsible for fulfilling its obligations and cannot worsen the position of the insured person.

In accordance with the legislation, the beneficants are all servicemen (including recruits), as well as police officers. In the event of the death of the employee, the cash receives parents, children or spouses.

To obtain compensation, it was necessary to come to the office of the insurance company with the relevant documents and the statement. Since in 2017, the state contract between the Ministry of Internal Affairs and VTB insurance ended, all the appeals of the CD SK sends to the frame department of the Ministry. In fact, the police and servicemen are currently left without an insurer.

Insurance case

The insured persons or their loved ones can qualify for monetary compensation in the following cases:

• An employee died during the passage of the service or within 12 months after dismissal;
• The employee received a disability;
• Insured early dismissed from work due to injury received in the service;
• The insured person got a light or severe physical injury.

Package size

If earlier the amount of compensation for employees of the Ministry of Internal Affairs at the occurrence of the insured event depended on the salary of the insured, now payments are fixed and cannot be reduced at the request of the insurer.

In 2015, the insured staff of the Ministry of Internal Affairs of the Russian Federation received payments in the amount:

• 2 million rubles in the event of death;
• from 500 thousand to 1.5 million rubles in case of disability;
• 50 thousand rubles upon receipt of a light injury in the service;
• 200 thousand rubles in case of serious injury.

It is worth noting that the insured staff are within 12 months after dismissal and can also apply for compensation.

Conclusion

SK VTB Insurance of the Ministry of Internal Affairs received clients on a competitive basis in 2012. However, in a short time, the procedure for calculating compensation to employees has changed, in connection with which the insurer considered the draft unprofitable and after the expiration of the contract did not apply for participation in the competition. In 2017, the Ministry of Internal Affairs did not conclude a contract with any insurance company of Russia, although the competition was announced three times.