{"id":2603,"date":"2022-05-10T10:21:06","date_gmt":"2022-05-10T10:21:06","guid":{"rendered":"https:\/\/rouzade.com\/?p=2603"},"modified":"2024-05-06T11:30:58","modified_gmt":"2024-05-06T09:30:58","slug":"reforma-strahovanija-kreditov-2022","status":"publish","type":"post","link":"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/","title":{"rendered":"Credit insurance reform 2022"},"content":{"rendered":"<p>In the near future, borrowers will be able to stop insuring their loans at any time, and in some cases, borrowers will no longer have to fill out questionnaires on health issues.<\/p>\n<p>Contrary to all expectations, deputies and senators found a common language regarding insurance of borrowers. Parliamentarians signed the text of the new law on February 3, 2022, and then adopted it in the Senate on February 17.<\/p>\n<p>Today it is possible to terminate the borrower&#039;s insurance:<\/p>\n<ul>\n<li>at any time within 12 months after signing the loan offer (loi Hamon)<\/li>\n<li>for each annual repayment period in two months.<\/li>\n<\/ul>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/#%d0%97%d0%b0%d0%ba%d0%be%d0%bd_%d0%bd%d0%b0_%d0%97%d0%b0%d0%b1%d0%b2%d0%b5%d0%bd%d0%b8%d0%b5_%d1%81%d0%be%d0%ba%d1%80%d0%b0%d1%89%d0%b5%d0%bd%d0%be_%d0%b4%d0%be_5_%d0%bb%d0%b5%d1%82\" >Law on Oblivion reduced to 5 years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/#%d0%a1%d0%be%d0%b2%d0%bc%d0%b5%d1%81%d1%82%d0%bd%d0%be%d0%b5_%d0%b8%d1%81%d0%bf%d0%be%d0%bb%d1%8c%d0%b7%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2_%d0%ba%d0%be%d1%82%d0%be%d1%80%d1%8b%d0%bc_%d1%83%d0%b3%d1%80%d0%be%d0%b6%d0%b0%d0%b5%d1%82_%d0%be%d0%bf%d0%b0%d1%81%d0%bd%d0%be%d1%81%d1%82%d1%8c\" >Sharing risks at risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/#%d0%9e%d1%82%d1%87%d0%b5%d1%82_%d0%b2_%d1%82%d0%b5%d1%87%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%b2%d1%83%d1%85_%d0%bb%d0%b5%d1%82\" >Report within two years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/#%d0%94%d0%b5%d0%bf%d1%83%d1%82%d0%b0%d1%82%d1%8b_%d0%be%d0%b1%d0%bb%d0%b5%d0%b3%d1%87%d0%b0%d1%8e%d1%82_%d1%80%d0%b0%d1%81%d1%82%d0%be%d1%80%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%be%d0%b3%d0%be%d0%b2%d0%be%d1%80%d0%be%d0%b2_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d1%8f_%d0%b7%d0%b0%d0%b5%d0%bc%d1%89%d0%b8%d0%ba%d0%be%d0%b2\" >Deputies make it easier to terminate insurance contracts for borrowers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/#%d0%a3%d0%bf%d1%80%d0%be%d1%89%d0%b5%d0%bd%d0%b8%d0%b5_%d0%bf%d1%80%d0%be%d1%86%d0%b5%d0%b4%d1%83%d1%80\" >Simplification of procedures<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%97%d0%b0%d0%ba%d0%be%d0%bd_%d0%bd%d0%b0_%d0%97%d0%b0%d0%b1%d0%b2%d0%b5%d0%bd%d0%b8%d0%b5_%d1%81%d0%be%d0%ba%d1%80%d0%b0%d1%89%d0%b5%d0%bd%d0%be_%d0%b4%d0%be_5_%d0%bb%d0%b5%d1%82\"><\/span>Law on Oblivion reduced to 5 years<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On November 25, 2021, the National Assembly passed the first reading of the PPL, which also stipulates that the incumbents will come together to enter into a new Aeras (Insurance and High Risk Borrowing) agreement, which will allow former patients to take out loans without any surcharges and\/or exclusions from loan insurance guarantees.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2608\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3.png\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3.png 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3-300x251.png 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3-768x644.png 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3-696x583.png 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/3-501x420.png 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>Senators added the removal of medical questionnaires for individuals borrowing less than 200,000 euros (the amount fixed in the SMR). Patients with cancer and hepatitis C no longer have to list their pathology five years after finishing treatment, compared to decades ago.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a1%d0%be%d0%b2%d0%bc%d0%b5%d1%81%d1%82%d0%bd%d0%be%d0%b5_%d0%b8%d1%81%d0%bf%d0%be%d0%bb%d1%8c%d0%b7%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d0%b5_%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2_%d0%ba%d0%be%d1%82%d0%be%d1%80%d1%8b%d0%bc_%d1%83%d0%b3%d1%80%d0%be%d0%b6%d0%b0%d0%b5%d1%82_%d0%be%d0%bf%d0%b0%d1%81%d0%bd%d0%be%d1%81%d1%82%d1%8c\"><\/span>Sharing risks at risk<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Starting on June 1, 2022 for loans received after that date and starting on September 1, 2022 for previous loans. Thus, all borrowers will have the option to eventually cancel their bank&#039;s group insurance (whose premium is almost the same regardless of the age and medical history of the insured) in favor of individual insurance (whose premium is set according to the risk profile of the insured).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9e%d1%82%d1%87%d0%b5%d1%82_%d0%b2_%d1%82%d0%b5%d1%87%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%b2%d1%83%d1%85_%d0%bb%d0%b5%d1%82\"><\/span>Report within two years<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>MPs, for their part, are concerned that removing the health questionnaire will also increase the level of tariffs. The CMP text therefore reduced the measure to loans of less than \u20ac200,000 and maturing before the borrower&#039;s 60th birthday. All this in order to reassure both parties, it is also expected that the Consultative Committee on the Financial Sector (CCSF) and the Prudential Regulation and Dispute Resolution Authority (ACPR) will submit a report to Parliament no later than two years after the adoption of the law, in which they will The consequences for insurers and for the insured of the introduction of the RIA and the removal of the health questionnaire were measured.<\/p>\n<p>In addition to the \u201cright to be forgotten,\u201d which was reduced to five years for former cancer and hepatitis C patients, the text instructs Aeras signatories (banks, insurers, governments and patient associations) to agree to extend the measure to other diseases. Finally, this text improves information to policyholders: insurers will be required to notify them annually of the possibility of terminating borrowers&#039; coverage.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%94%d0%b5%d0%bf%d1%83%d1%82%d0%b0%d1%82%d1%8b_%d0%be%d0%b1%d0%bb%d0%b5%d0%b3%d1%87%d0%b0%d1%8e%d1%82_%d1%80%d0%b0%d1%81%d1%82%d0%be%d1%80%d0%b6%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b4%d0%be%d0%b3%d0%be%d0%b2%d0%be%d1%80%d0%be%d0%b2_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%b8%d1%8f_%d0%b7%d0%b0%d0%b5%d0%bc%d1%89%d0%b8%d0%ba%d0%be%d0%b2\"><\/span>Deputies make it easier to terminate insurance contracts for borrowers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Deputies confirmed the possibility for property owners to change the borrowers&#039; insurance contract at any time, without waiting for the date of birth of the contract. This measure is enshrined in article 42 bis of the bill on the Acceleration and Simplification of Public Actions (Asap), which is currently being considered by the National Assembly and aims to simplify procedures for public authorities, businesses and individuals.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a3%d0%bf%d1%80%d0%be%d1%89%d0%b5%d0%bd%d0%b8%d0%b5_%d0%bf%d1%80%d0%be%d1%86%d0%b5%d0%b4%d1%83%d1%80\"><\/span>Simplification of procedures<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Thus, the liberalization of the borrower insurance market, which is mainly dominated by banks (85% market), continues. Over the past ten years, several laws have changed (Lagarde, Hamon, Bourquin) to simplify the procedures for changing credit insurance contracts. Currently, it is possible to terminate a borrower&#039;s insurance contract during the first year of subscription and then on each anniversary thereafter.<\/p>\n<p>According to MP Patricia Lemoine, who initiated the amendment, this mechanism will increase competition and, therefore, reduce prices. Over the course of the contract, borrowers can expect savings of between 6,500 and 15,000 euros on average, the parliamentarian said.<\/p>","protected":false},"excerpt":{"rendered":"<p>Find out the latest information regarding credit insurance 2022<\/p>","protected":false},"author":1,"featured_media":2606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[366],"class_list":{"0":"post-2603","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-finance"},"acf":[],"yoast_head":"<title>\u041d\u043e\u0432\u044b\u0439 \u0437\u0430\u043a\u043e\u043d \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 2022 \u043d\u0430 Rouzade.com<\/title>\n<meta name=\"description\" content=\"\u041f\u0430\u0440\u043b\u0430\u043c\u0435\u043d\u0442\u0430\u0440\u0438\u0438, \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043b\u0438 3 \u0444\u0435\u0432\u0440\u0430\u043b\u044f 2022 \u0442\u0435\u043a\u0441\u0442 \u043d\u043e\u0432\u043e\u0433\u043e \u0437\u0430\u043a\u043e\u043d\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432, \u0430 \u0437\u0430\u0442\u0435\u043c 17 \u0444\u0435\u0432\u0440\u0430\u043b\u044f \u043f\u0440\u0438\u043d\u044f\u043b\u0438 \u0432 \u0421\u0435\u043d\u0430\u0442\u0435\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u041d\u043e\u0432\u044b\u0439 \u0437\u0430\u043a\u043e\u043d \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 2022 \u043d\u0430 Rouzade.com\" \/>\n<meta property=\"og:description\" content=\"\u041f\u0430\u0440\u043b\u0430\u043c\u0435\u043d\u0442\u0430\u0440\u0438\u0438, \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043b\u0438 3 \u0444\u0435\u0432\u0440\u0430\u043b\u044f 2022 \u0442\u0435\u043a\u0441\u0442 \u043d\u043e\u0432\u043e\u0433\u043e \u0437\u0430\u043a\u043e\u043d\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432, \u0430 \u0437\u0430\u0442\u0435\u043c 17 \u0444\u0435\u0432\u0440\u0430\u043b\u044f \u043f\u0440\u0438\u043d\u044f\u043b\u0438 \u0432 \u0421\u0435\u043d\u0430\u0442\u0435\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/OlgaRouzade\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/OlgaRouzade\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-10T10:21:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-06T09:30:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Olga Rouzade\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/olgarouzade\" \/>\n<meta name=\"twitter:site\" content=\"@olgarouzade\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Olga Rouzade\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>","yoast_head_json":{"title":"\u041d\u043e\u0432\u044b\u0439 \u0437\u0430\u043a\u043e\u043d \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 2022 \u043d\u0430 Rouzade.com","description":"\u041f\u0430\u0440\u043b\u0430\u043c\u0435\u043d\u0442\u0430\u0440\u0438\u0438, \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043b\u0438 3 \u0444\u0435\u0432\u0440\u0430\u043b\u044f 2022 \u0442\u0435\u043a\u0441\u0442 \u043d\u043e\u0432\u043e\u0433\u043e \u0437\u0430\u043a\u043e\u043d\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432, \u0430 \u0437\u0430\u0442\u0435\u043c 17 \u0444\u0435\u0432\u0440\u0430\u043b\u044f \u043f\u0440\u0438\u043d\u044f\u043b\u0438 \u0432 \u0421\u0435\u043d\u0430\u0442\u0435","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/","og_locale":"en_US","og_type":"article","og_title":"\u041d\u043e\u0432\u044b\u0439 \u0437\u0430\u043a\u043e\u043d \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 2022 \u043d\u0430 Rouzade.com","og_description":"\u041f\u0430\u0440\u043b\u0430\u043c\u0435\u043d\u0442\u0430\u0440\u0438\u0438, \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043b\u0438 3 \u0444\u0435\u0432\u0440\u0430\u043b\u044f 2022 \u0442\u0435\u043a\u0441\u0442 \u043d\u043e\u0432\u043e\u0433\u043e \u0437\u0430\u043a\u043e\u043d\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432, \u0430 \u0437\u0430\u0442\u0435\u043c 17 \u0444\u0435\u0432\u0440\u0430\u043b\u044f \u043f\u0440\u0438\u043d\u044f\u043b\u0438 \u0432 \u0421\u0435\u043d\u0430\u0442\u0435","og_url":"https:\/\/rouzade.com\/en\/reforma-strahovanija-kreditov-2022\/","article_publisher":"https:\/\/www.facebook.com\/OlgaRouzade","article_author":"https:\/\/www.facebook.com\/OlgaRouzade","article_published_time":"2022-05-10T10:21:06+00:00","article_modified_time":"2024-05-06T09:30:58+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/1.png","type":"image\/png"}],"author":"Olga Rouzade","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/olgarouzade","twitter_site":"@olgarouzade","twitter_misc":{"Written by":"Olga Rouzade","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/#article","isPartOf":{"@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/"},"author":{"name":"Olga Rouzade","@id":"https:\/\/rouzade.com\/#\/schema\/person\/feb351bd99df599181072e5e3deb2142"},"headline":"\u0420\u0435\u0444\u043e\u0440\u043c\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 2022","datePublished":"2022-05-10T10:21:06+00:00","dateModified":"2024-05-06T09:30:58+00:00","mainEntityOfPage":{"@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/"},"wordCount":534,"commentCount":0,"publisher":{"@id":"https:\/\/rouzade.com\/#\/schema\/person\/feb351bd99df599181072e5e3deb2142"},"image":{"@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/#primaryimage"},"thumbnailUrl":"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/1.png","keywords":["\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0441\u043e\u0432\u0435\u0442\u044b \u0432\u043e \u0424\u0440\u0430\u043d\u0446\u0438\u0438"],"articleSection":["\u0411\u043b\u043e\u0433"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/","url":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/","name":"\u041d\u043e\u0432\u044b\u0439 \u0437\u0430\u043a\u043e\u043d \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 2022 \u043d\u0430 Rouzade.com","isPartOf":{"@id":"https:\/\/rouzade.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/#primaryimage"},"image":{"@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/#primaryimage"},"thumbnailUrl":"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/1.png","datePublished":"2022-05-10T10:21:06+00:00","dateModified":"2024-05-06T09:30:58+00:00","description":"\u041f\u0430\u0440\u043b\u0430\u043c\u0435\u043d\u0442\u0430\u0440\u0438\u0438, \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043b\u0438 3 \u0444\u0435\u0432\u0440\u0430\u043b\u044f 2022 \u0442\u0435\u043a\u0441\u0442 \u043d\u043e\u0432\u043e\u0433\u043e \u0437\u0430\u043a\u043e\u043d\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432, \u0430 \u0437\u0430\u0442\u0435\u043c 17 \u0444\u0435\u0432\u0440\u0430\u043b\u044f \u043f\u0440\u0438\u043d\u044f\u043b\u0438 \u0432 \u0421\u0435\u043d\u0430\u0442\u0435","breadcrumb":{"@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/#primaryimage","url":"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/1.png","contentUrl":"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/05\/1.png","width":940,"height":788,"caption":"\u043e\u0431\u043b\u043e\u0436\u043a\u0430 \u0440\u0435\u0444\u043e\u0440\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432"},{"@type":"BreadcrumbList","@id":"https:\/\/rouzade.com\/reforma-strahovanija-kreditov-2022\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/rouzade.com\/"},{"@type":"ListItem","position":2,"name":"\u0420\u0435\u0444\u043e\u0440\u043c\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 2022"}]},{"@type":"WebSite","@id":"https:\/\/rouzade.com\/#website","url":"https:\/\/rouzade.com\/","name":"","description":"","publisher":{"@id":"https:\/\/rouzade.com\/#\/schema\/person\/feb351bd99df599181072e5e3deb2142"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rouzade.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":["Person","Organization"],"@id":"https:\/\/rouzade.com\/#\/schema\/person\/feb351bd99df599181072e5e3deb2142","name":"Olga Rouzade","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/rouzade.com\/wp-content\/uploads\/2019\/07\/1.png","url":"https:\/\/rouzade.com\/wp-content\/uploads\/2019\/07\/1.png","contentUrl":"https:\/\/rouzade.com\/wp-content\/uploads\/2019\/07\/1.png","width":500,"height":500,"caption":"Olga Rouzade"},"logo":{"@id":"https:\/\/rouzade.com\/wp-content\/uploads\/2019\/07\/1.png"},"description":"\u0421\u043e\u0432\u0435\u0442\u043d\u0438\u043a \u043f\u043e \u0441\u043e\u0437\u0434\u0430\u043d\u0438\u044e \u0438 \u043f\u0440\u043e\u0434\u0432\u0438\u0436\u0435\u043d\u0438\u044e \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0438 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u043b\u0438\u0447\u043d\u044b\u0445, \u0441\u0435\u043c\u0435\u0439\u043d\u044b\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432. \u041f\u043e\u043c\u043e\u0433\u0430\u044e \u0441\u043e\u0441\u0442\u0430\u0432\u0438\u0442\u044c \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0443 \u0440\u0435\u0448\u0435\u043d\u0438\u0439 \u0434\u043b\u044f \u0434\u043e\u0441\u0442\u0438\u0436\u0435\u043d\u0438\u044f \u0432\u0430\u0448\u0438\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0446\u0435\u043b\u0435\u0439 \u0441 \u0443\u0447\u0435\u0442\u043e\u043c \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u043e\u0439 \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438. \u041a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0438\u0440\u0443\u044e \u043f\u043e \u0432\u043e\u043f\u0440\u043e\u0441\u0430\u043c \u0441\u043e\u0437\u0434\u0430\u043d\u0438\u044f \u0438 \u043f\u0440\u043e\u0434\u0432\u0438\u0436\u0435\u043d\u0438\u044f \u0431\u0438\u0437\u043d\u0435\u0441\u0430 \u0432\u043e \u0424\u0440\u0430\u043d\u0446\u0438\u0438.","sameAs":["https:\/\/www.facebook.com\/OlgaRouzade","https:\/\/www.instagram.com\/olga.rouzade\/","https:\/\/www.linkedin.com\/in\/olga-rouzade\/","https:\/\/x.com\/https:\/\/twitter.com\/olgarouzade","https:\/\/www.youtube.com\/channel\/UCnq3HZMlA_z28sXegNED8kA"],"url":"https:\/\/rouzade.com\/en\/author\/admin\/"}]}},"_links":{"self":[{"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/posts\/2603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/comments?post=2603"}],"version-history":[{"count":1,"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/posts\/2603\/revisions"}],"predecessor-version":[{"id":5948,"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/posts\/2603\/revisions\/5948"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/media\/2606"}],"wp:attachment":[{"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/media?parent=2603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/categories?post=2603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rouzade.com\/en\/wp-json\/wp\/v2\/tags?post=2603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}