Federal Health Insurance Fund invests 1.9 billion rubles in AI for assessing insured risks

The Federal Mandatory Health Insurance Fund launches one of Russia's largest IT projects of the year in healthcare. For 1.922 billion rubles, the fund plans to deploy new components of the state mandatory health insurance system in regions and test an AI module for calculating an insured person's risk profile.

Where the money goes

We're talking about two procurement contracts published on April 24, 2026. Their initial cost is 985 million and 936 million rubles respectively, with a total budget reaching 1.922 billion.

Work should proceed from the moment contracts are signed until December 21, 2026. The project will include both remote deployment and field trips to regions: to territorial health insurance funds, insurance medical organizations, and clinics themselves. In other words, the fund is procuring not abstract development, but large-scale deployment of already-designed digital components across the country.

The contracts involve not a single new platform, but several subsystems of the State Information System for Mandatory Health Insurance, which address different tasks — from registration of the insured and medical services to financial controls and communication with citizens. The digital medical profile of the patient is highlighted separately, designed to collect information from various sources. This set shows that the fund wants to simultaneously strengthen the registration contour, analytics, and service component of the system.

• СИСЗЛ — insured person support services, including notifications and monitoring routes.
• УС — monitoring contour for medical service volume and financial planning.
• ЦМП — digital patient medical profile with data integration from various sources.
• ФЕРЗЛ — unified federal registry of insured persons.
• ФПУМП — personified accounting subsystem for medical services provided.

How implementation will be organized

The scale of the project is evident from the number of applications. The first contract plans to process 84 applications for СИСЗЛ, 43 for the УС subsystem, and 5 for ЦМП. The second — 76 applications for ФЕРЗЛ and 48 for ФПУМП.

This means implementation will proceed not in a single wave, but in a series of separate launches in response to regional and organizational requests. Applications submitted no later than three months before the final deadline become mandatory for execution. Executors must not only install modules, but bring them to operational status in real infrastructure.

The technical specifications separately outline webinars and training for staff, account management and access rights, as well as process adaptation to the specific features of each entity. For ФЕРЗЛ this may mean tuning algorithms for assigning the insured to medical organizations, and for ФПУМП — refining medical service catalogs, cost calculation rules, and medical-economic control contours.

What will change for patients

The most visible part of the project for ordinary people relates not to registries, but to proactive information provision. The СИСЗЛ subsystem should support people with chronic diseases and those subject to preventive medical examinations. As part of implementation, executors will configure preventive monitoring routes, reconcile patient lists, and create tasks for personal notifications through Government Services.

Adult insured persons will be able to receive more accurate reminders about preventive care, examinations, and services already provided. Separately, the fund is developing the digital medical profile of the patient. This subsystem should collect and validate large volumes of information about medical care to form a more comprehensive personal data view.

Against this backdrop, the AI component in the УС subsystem stands out particularly: in two pilot regions, the system will calculate an insured person's risk profile. If the pilot shows results, the health insurance system will have a tool that can help identify problematic scenarios earlier, plan prevention more accurately, and exercise tighter control over fund spending.

What this means

Mandatory health insurance in Russia is moving away from the role of a large registry and calculation base toward a more active data management model. If implementation proceeds as planned, the fund will obtain not only updated IT infrastructure, but also the foundation to use AI in the insurance system as a working tool for prevention, patient routing, and cost control.