How to Check Your OSMS Health Insurance Status in Kazakhstan 2026
Without OSMS status, a clinic can refuse you lab tests, specialist visits and planned treatment. Here is where to check your status in a minute, how much to pay on your own, and how to avoid payment mistakes.
Up to date as of October 2026. Rules change — check the regulator's website before you act.
Kazakhstan's compulsory social health insurance system (OSMS) is run by the Social Health Insurance Fund (SHIF), website msqory.kz. The rules are set by the Ministry of Health and the OSMS law.
Where to check your status
- msqory.kz — enter your IIN (individual identification number) on the fund's website.
- eGov — a service showing your status and paid contributions.
- Qoldau 24/7 — the fund's app: status and payments for the last 12 months.
- The fund's Telegram bot, plus Damumed and banking apps (according to the Ministry of Health).
How much you pay in 2026
The minimum wage (MZP) did not change in 2026 — 85,000 tenge. Contributions are calculated from it:
| Who | How much | Comment |
|---|---|---|
| Employee | 2% of income | No more than 34,000 tenge a month, withheld by the employer |
| Employer | 3% of the employee's income | Paid from the employer's own funds, maximum 102,000 tenge |
| Sole proprietors, farms, private practice | 5,950 tenge a month | 5% of 1.4 × MZP |
| Self-payer | 4,250 tenge a month | 5% of 1 × MZP — if you don't work and have no benefit status |
| Self-employed in e-Salyq Business | 1% of income | Part of the 4% single payment |
| Benefit categories | 0 tenge | Paid by the state |
Example: on a salary of 300,000 tenge, an employee pays 6,000 tenge to OSMS, and on 1,000,000 tenge — 20,000. You can work out your take-home pay with the salary calculator.
Who the state pays for
The law lists 15 benefit categories. Among them: children, officially registered unemployed people, non-working pregnant women, people on maternity leave or caring for a child under 3, people with disabilities, pensioners, full-time students and some mothers of large families. Since 2026, about 1 million more low-income people (well-being levels D and E) are insured by akimats (local governments): the contribution is paid when the person seeks care, but they must be registered with a clinic.
If you are not insured: step by step
- Check your payment history. A missed month is often the reason.
- Employed? Ask your employer first — they may not have paid the contribution.
- Left your job? Your status stays for 3 months, or up to 6 months if you paid for 5 years or more (a rule since 2026). After that, the missed months must be paid.
- In a benefit category? Make sure your status is in the state database and contact your clinic.
- Paying yourself: 12 months in a row, each month as a separate payment. You can cover the past 12 months or pay in advance. Arrears older than 12 months before the payment date are not accepted.
In Kaspi.kz: "Public Services" → "Payments for the self-employed" → "OSMS contributions" → "Self-payer" → period → IIN. You can only pay for yourself. Other options are other banks' apps, payment terminals and Kazpost.
What you risk
- Wrong period. If you paid 12 months in one payment as a single month, chose the wrong year, or paid only the rest of the year, you won't get the status. An incorrect payment is refunded through a Public Service Center (TsON) with your receipts.
- Fake clinic registration. In 2026 the Financial Monitoring Agency (AFM) uncovered a scheme where 140,000 people were registered with private clinics without their knowledge to collect fund money. Check which clinic you are registered with.
- Calls "from the fund" or "from the bank". Never share SMS codes with anyone — read about these schemes in the article how to avoid scammers in Kazakhstan.
What you get without OSMS
GOBMP is the state-funded free basic package: emergency care when life is at risk, treatment of socially significant diseases (cancer, tuberculosis, HIV, stroke, heart attack and others), some screenings and vaccinations. Specialist consultations, lab tests, ultrasound, CT, MRI, planned hospitalization and monitoring of chronic patients are available only under OSMS. Foreigners with a residence permit can become insured on general terms; for temporary residents, check the details with the fund.
Health insurance is the first line of your "financial safety cushion". The second is a reserve covering 3–6 months of expenses; we explain how to build it in the lesson "First step: an account, a first amount and a plan".
Aspiro Invest — a medium-term portfolio: what to hold, when to review it, and where the protective levels are.
- Check your status by IIN on msqory.kz, in eGov or in Qoldau 24/7.
- A self-payer pays 4,250 tenge a month, a sole proprietor 5,950.
- You need 12 months in a row, each as a separate payment.
- Without OSMS you only have GOBMP: emergency care and socially significant diseases.
Frequently asked questions
How do I check my OSMS status by IIN?
Enter your IIN on the Social Health Insurance Fund website msqory.kz, or check your status in eGov, in the Qoldau 24/7 app or in the fund's Telegram bot. Qoldau 24/7 also shows your payments for the last 12 months.
How much do I pay for OSMS myself in 2026?
If you don't work and aren't in a benefit category — 4,250 tenge a month (5% of the 85,000 tenge minimum wage). Sole proprietors pay 5,950 tenge a month. Each month is paid separately.
How many days after payment does the status appear?
According to the fund, after a correct payment the status is assigned within three business days. It is important that 12 consecutive months are paid.
Can I get medical treatment without OSMS?
Yes, but only within GOBMP: emergency care when life is at risk and treatment of socially significant diseases. Specialist consultations, lab tests, MRI and planned hospitalization require OSMS.
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