Compulsory insurance for employers
OSRNS: how to insure employees against workplace accidents
Compulsory insurance of employees against accidents in the course of their work duties (OSRNS) is one of the main types of compulsory insurance in Kazakhstan. If an employee is injured or killed while performing work duties, the compensation is paid by the insurance company, which significantly reduces the burden on the employer's budget. Rates are set by law, but insurers' service terms differ — on Insurance Center you can compare them and sign a contract online.
Who it is for
The contract must be concluded by employers — companies and individual entrepreneurs with hired employees. The contract term is 12 months; if the employer has been operating for less than a year, the contract is concluded for the period of that activity.
What the law provides
- The sum insured is not less than the annual payroll
- An employee's income is counted up to 10 minimum wages (MW) per month
- 22 occupational risk classes with rates from 0.12% to 2.96%
- The minimum premium is 1 MW, which is 85 000 ₸ in 2026
What the calculator asks for
- Occupational risk class
- Annual payroll
- Number of employees
- Number of people injured through the employer's fault over 3 years
Rates by occupational risk class
The class is determined by the main type of economic activity. The more dangerous the industry, the higher the class and rate as a rule, although rates do not strictly increase with the class number. A few examples:
| Class | Rate of the sum insured |
|---|---|
| 1 | 0.12% |
| 5 | 0.52% |
| 10 | 0.88% |
| 13 | 1.29% |
| 18 | 2.43% |
| 22 | 2.96% |
What affects the cost
The premium is calculated as the annual payroll multiplied by the class rate. For example, with an annual payroll of 60 000 000 ₸ and class 5, the base premium is 312 000 ₸. If the result is below one MW, the minimum premium of 85 000 ₸ applies: for example, with class 1 and a payroll of 30 000 000 ₸ the calculation gives 36 000 ₸, so 85 000 ₸ is payable and the sum insured increases proportionally.
When calculating the payroll, each employee's salary is counted at no more than 10 MW per month — 850 000 ₸ in 2026. If the director earns more, only this part is included. Adjustments are then applied to the premium:
- Correction factor from 1 to 4. Applied if there were accidents through the employer's fault in the three years before the contract. It counts victims with a permanent loss of occupational working capacity of 30% or more, or fatalities; the value depends on their average annual number and the total headcount.
- Discount of up to 10%. The insurer may grant it if there have been no insured events in the last three years.
Please note. If the payroll or risk class changes during the year, the premium is recalculated in proportion to the remaining term. Inform the insurer of such changes so that employees stay insured for the full amount.
What to check
- Whether the main OKED code and the corresponding class are correct
- Whether branches with a different type of activity are taken into account
- Whether the payroll in the contract matches the accounting data
- How the insurer handles claims and how quickly it pays
When a claim may be refused
A payout may be refused if the event is not related to the performance of work duties, was caused by the employee's own intentional actions, if the accident is not confirmed by an investigation report, or if the information in the documents is false. The procedure for investigating and recording workplace accidents is set by the legislation of Kazakhstan.
What to prepare
- Company details and BIN, main OKED code
- Annual payroll and number of employees
- Information on accidents over the last three years
- Details of branches, if any
How to get a policy
Quote on Insurance Center
Choose the risk class and enter the payroll, headcount and information on injured employees.
Compare insurers
Compare offers by discount, service and claims settlement experience.
Contract and payment
Sign the contract, pay the invoice and receive the policy by email.
What to do in an insured event
- Arrange first aid for the injured person and transport to a medical facility.
- Preserve the scene of the incident if this does not endanger people.
- Notify the insurer and the authorities that must be informed by law.
- Carry out an investigation and draw up an accident report.
- Submit the report, medical documents and a claim application to the insurer.
How to choose an insurer
Since OSRNS rates are set by law, insurers differ in other ways: willingness to give a discount for a claims-free record, speed of document review and the quality of support for injured employees. For companies with a high risk class, the insurer's experience in settling workplace injury claims is especially important.
This material is for reference only; final terms are determined by the insurance rules and the contract.
How Insurance Center helps
We will help you determine the risk class, check the premium calculation, compare the terms of licensed insurers and support your contract throughout the year, including insured events. Call us: +7 727 225 40-40.
