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This led to a drop in the volume of lending to citizens. Many, as it turned out, purchased a policy when applying for a mortgage or other serious loans. The number of life insurance and health contracts dropped to 28%. Source: Bank of Russia . However, in 2021, the situation changed.

Coronavirus restrictions began to be lifted. Banks began shareholder data to issue loans more often. Requirements were relaxed. This had a beneficial effect on the insurance sector. The number of contracts concluded with insurance companies increased by 49%. In 2022, due to socio-economic circumstances, there was another decline. True, not as serious as the previous one - by 6.


8%. It must be said that the Central Bank quickly responded to the current situation by introducing support measures for the insurance market. To ensure stability, the Central Bank of the Russian Federation provided insurers with a number of supervisory and regulatory concessions. This helped support the market. Allowed companies to adapt to work under the conditions of a new economic life. Some of the concessions were not extended until 2023. Or they were extended, but with obvious changes. The Central Bank considered that the insurance industry had passed the peak of the crisis with dignity, and now it does not need significant government support.