commission for the examination of bills and other normative acts of the public chamber of russia, alexander ternovtsovexander valerievich, good morning, good morning, good morning, well , the main reason, probably, for most of the problems is that in these insurance policies the interests of the insurers themselves are mainly protected, these are the same chronic diseases that are essentially any disease can be twisted in such a way that it is recognized as chronic, what somehow interferes with all this? take into account, especially since from the plot it is clear that most specialists and people who encounter this understand everything, you know, guys, well, it seems to me that in general we need to start with the fact that insurance is a civilized way of solving one’s financial issues in the event of unforeseen circumstances, this is all over the world, all over the world, and no, in russia, by the way, now more and more such a civilized market is emerging, according to the results of 2022, compared to 2021, it is significant. what prevents, in this case , from making some kind of universal documen

commission for the examination of draft laws and other normative acts public chamber of russia, alexander ternovtsovhese insurance policies - the interests of the insurers themselves are mainly protected, these are the same chronic diseases, which are essentially any disease, can be twisted in such a way that it is recognized as chronic, which makes it difficult to somehow take all this into account, especially since the plot... it is clear that most specialists and people who are faced with this, they understand everything. you know guys well, it seems to me that in general we need to start with the fact that insurance is a civilized way of solving one’s financial issues in the event of unforeseen circumstances. this is all over the world, this is all over the world. and no, in russia, by the way, such a civilized market is now increasingly emerging; at the end of 2022, compared to 2021, it has decreased significantly. what's stopping you from doing this? case, make some kind of universal document for such insurance when lending, so that there is a minimum, minimum number of these tricks for insure