{"id":1103,"date":"2026-08-10T12:52:33","date_gmt":"2026-08-10T10:52:33","guid":{"rendered":"https:\/\/magicart-delta.com\/?p=1103"},"modified":"2026-08-11T15:37:12","modified_gmt":"2026-08-11T13:37:12","slug":"zadalzhitelni-osiguritelni-vnoski-2","status":"publish","type":"post","link":"https:\/\/magicart-delta.com\/it\/2026\/08\/10\/\u043e\u0441\u0438\u0433\u0443\u0440-\u043e\u0432\u043a\u0438\u0442\u0435-\u0437\u0430\u0449\u043e-\u043a\u043e\u0433\u0430-\u043a\u043e\u043b\u043a\u043e-\u0447\u0430\u0441\/","title":{"rendered":"Assicurazione: perch\u00e9, quando, quanto? - parte 2"},"content":{"rendered":"<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"ep\" data-hveid=\"CAAIDBAB\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\u041a\u0430\u043a \u0441\u0435 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u0442 \u0432\u0430\u0448\u0438\u0442\u0435 \u0437\u0430\u0434\u044a\u043b\u0436\u0438\u0442\u0435\u043b\u043d\u0438\u0442\u0435 \u043e\u0441\u0438\u0433\u0443\u0440\u0438\u0442\u0435\u043b\u043d\u0438 \u0432\u043d\u043e\u0441\u043a\u0438? \u0412\u0438\u0436\u0442\u0435 \u0432\u0442\u043e\u0440\u0430 \u0447\u0430\u0441\u0442 \u043d\u0430 \u0440\u044a\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e\u0442\u043e \u0437\u0430 \u0441\u0440\u043e\u043a\u043e\u0432\u0435, \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u0438 \u0438 \u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0437\u0430 \u043f\u043b\u0430\u0449\u0430\u043d\u0435.<\/div>\n<h2><strong>Persone autoassicurate<\/strong><\/h2>\n<p>\u0417\u0430\u0434\u044a\u043b\u0436\u0435\u043d\u0438\u0435\u0442\u043e \u043d\u0430 \u0441\u0430\u043c\u043e\u043e\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u0449\u0438\u0442\u0435 \u0441\u0435 \u043b\u0438\u0446\u0430 \u0437\u0430 \u043e\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u043d\u0435 \u0432\u044a\u0437\u043d\u0438\u043a\u0432\u0430 \u043e\u0442 \u0434\u0435\u043d\u044f \u043d\u0430 \u0437\u0430\u043f\u043e\u0447\u0432\u0430\u043d\u0435 \u0438\u043b\u0438 \u0432\u044a\u0437\u043e\u0431\u043d\u043e\u0432\u044f\u0432\u0430\u043d\u0435 \u043d\u0430 \u0442\u0440\u0443\u0434\u043e\u0432\u0430\u0442\u0430 \u0434\u0435\u0439\u043d\u043e\u0441\u0442 \u0438 \u043f\u0440\u043e\u0434\u044a\u043b\u0436\u0430\u0432\u0430 \u0434\u043e \u043d\u0435\u0439\u043d\u043e\u0442\u043e \u043f\u0440\u0435\u043a\u044a\u0441\u0432\u0430\u043d\u0435 \u0438\u043b\u0438 \u043f\u0440\u0435\u043a\u0440\u0430\u0442\u044f\u0432\u0430\u043d\u0435. \u041f\u0440\u0438 \u0437\u0430\u043f\u043e\u0447\u0432\u0430\u043d\u0435, \u043f\u0440\u0435\u043a\u044a\u0441\u0432\u0430\u043d\u0435, \u0432\u044a\u0437\u043e\u0431\u043d\u043e\u0432\u044f\u0432\u0430\u043d\u0435 \u0438\u043b\u0438 \u043f\u0440\u0435\u043a\u0440\u0430\u0442\u044f\u0432\u0430\u043d\u0435 \u043d\u0430 \u0432\u0441\u044f\u043a\u0430 \u0442\u0440\u0443\u0434\u043e\u0432\u0430 \u0434\u0435\u0439\u043d\u043e\u0441\u0442 \u0441\u0430\u043c\u043e\u043e\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u0449\u043e\u0442\u043e \u0441\u0435 \u043b\u0438\u0446\u0430 \u043f\u043e\u0434\u0430\u0432\u0430 \u0434\u0435\u043a\u043b\u0430\u0440\u0430\u0446\u0438\u044f \u043f\u043e \u0443\u0442\u0432\u044a\u0440\u0434\u0435\u043d \u043e\u0431\u0440\u0430\u0437\u0435\u0446 \u043e\u0442 \u0438\u0437\u043f\u044a\u043b\u043d\u0438\u0442\u0435\u043b\u043d\u0438\u044f \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440 \u043d\u0430 <a href=\"https:\/\/nra.bg\/wps\/portal\/nra\/nachalo\">\u041d\u0410\u041f <\/a>\u0434\u043e \u043a\u043e\u043c\u043f\u0435\u0442\u0435\u043d\u0442\u043d\u0430\u0442\u0430 \u0442\u0435\u0440\u0438\u0442\u043e\u0440\u0438\u0430\u043b\u043d\u0430 \u0434\u0438\u0440\u0435\u043a\u0446\u0438\u044f \u043d\u0430 \u041d\u0410\u041f, \u0432 7-\u0434\u043d\u0435\u0432\u0435\u043d \u0441\u0440\u043e\u043a \u043e\u0442 \u043d\u0430\u0441\u0442\u044a\u043f\u0432\u0430\u043d\u0435 \u043d\u0430 \u043e\u0431\u0441\u0442\u043e\u044f\u0442\u0435\u043b\u0441\u0442\u0432\u0430\u0442\u0430. \u0410\u043a\u043e \u0441\u0430\u043c\u043e\u043e\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u0449\u043e\u0442\u043e \u0441\u0435 \u043b\u0438\u0446\u0435 \u043d\u0435 \u043f\u043e\u0434\u0430\u0434\u0435 \u0434\u0435\u043a\u043b\u0430\u0440\u0430\u0446\u0438\u044f \u0437\u0430 \u0438\u0437\u0431\u043e\u0440 \u043d\u0430 \u0432\u0438\u0434\u0430 \u043d\u0430 \u043e\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u043d\u0435\u0442\u043e \u0432 7-\u0434\u043d\u0435\u0432\u043d\u0438\u044f \u0441\u0440\u043e\u043a \u043f\u0440\u0438 \u0437\u0430\u043f\u043e\u0447\u0432\u0430\u043d\u0435 \u0438 \u0432\u044a\u0437\u043e\u0431\u043d\u043e\u0432\u044f\u0432\u0430\u043d\u0435 \u043d\u0430 \u0442\u0440\u0443\u0434\u043e\u0432\u0430\u0442\u0430 \u0434\u0435\u0439\u043d\u043e\u0441\u0442, \u0442\u043e \u043f\u043e\u0434\u043b\u0435\u0436\u0438 \u043d\u0430 \u043e\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u043d\u0435 \u0441\u0430\u043c\u043e \u0437\u0430 \u0438\u043d\u0432\u0430\u043b\u0438\u0434\u043d\u043e\u0441\u0442 \u043f\u043e\u0440\u0430\u0434\u0438 \u043e\u0431\u0449\u043e \u0437\u0430\u0431\u043e\u043b\u044f\u0432\u0430\u043d\u0435, \u0441\u0442\u0430\u0440\u043e\u0441\u0442 \u0438 \u0441\u043c\u044a\u0440\u0442 \u2013 \u0441\u0430\u043c\u043e \u0437\u0430 \u0444\u043e\u043d\u0434 \u201c\u041f\u0435\u043d\u0441\u0438\u0438\u201c.<\/p>\n<p>I lavoratori autonomi sono artisti, traduttori, scrittori, compositori, marittimi, proprietari e soci di aziende commerciali, avvocati, pensionati che lavorano e altri. I contributi assicurativi per gli autoassicurati per il 2020 sono:<\/p>\n<p>\u2013 Per i nati prima del 01.01.1960, per il Fondo Pensione \u2013 19,8 %, per il Fondo OZM \u2013 3,5 %, Assicurazione Sanitaria \u2013 8 %;<\/p>\n<p>\u2013 Per i nati dopo il 31.12.1959, per il Fondo Pensione \u2013 14,8 %, per il Fondo OZM \u2013 3,5 %, Assicurazione Sanitaria \u2013 8 % e SMPO (solo UPF, senza PPF) \u2013 5 %.<\/p>\n<p>Le persone autoassicurate pagano i contributi assicurativi dovuti sul relativo conto del TD competente dell&#039;NRA e nei documenti per il loro pagamento viene compilato il numero di identificazione personale, il numero di identificazione personale o il numero ufficiale rilasciato dall&#039;NRA. L&#039;importo mensile minimo del reddito assicurativo per gli autoassicurati che non esercitano attivit\u00e0 lavorativa durante tutto il mese \u00e8 determinato in proporzione ai giorni lavorativi del mese per il periodo durante il quale \u00e8 stata esercitata l&#039;attivit\u00e0. Gli autoassicurati che svolgono attivit\u00e0 per motivi diversi pagano i contributi assicurativi per uno dei motivi di loro scelta. Ad esempio, se la persona \u00e8 un agricoltore, un&#039;impresa individuale e partecipa come socio ad una LLC, \u00e8 assicurato solo per una.<\/p>\n<p>I contributi mensili anticipati degli autoassicurati vengono versati entro il 25 del mese successivo a quello per cui sono dovuti (ad esempio, per febbraio 2020, entro il 25 marzo 2020). I contributi previdenziali definitivi vengono versati durante la perequazione annuale del reddito previdenziale dell&#039;anno in questione, sulla differenza tra il reddito effettivo da lavoro dell&#039;autoassicurato e il suo reddito previdenziale anticipato. La perequazione annuale dei redditi non include quelli che non derivano dal lavoro, ad esempio royalties e diritti di licenza, sussidi agli agricoltori, ecc. La riconciliazione annuale viene effettuata utilizzando la Tabella 1, allegata alla dichiarazione dei redditi annuale. Il termine per il pagamento degli ultimi contributi assicurativi \u00e8 il 30 aprile dell&#039;anno in questione.<\/p>\n<h2><strong>Prevedere per le persone che lavorano senza un rapporto di lavoro<\/strong><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-970 alignleft\" src=\"https:\/\/magicart-delta.com\/wp-content\/uploads\/2023\/03\/money-2724241__340-300x203.jpg\" alt=\"\" width=\"300\" height=\"203\" srcset=\"https:\/\/magicart-delta.com\/wp-content\/uploads\/2023\/03\/money-2724241__340-300x203.jpg 300w, https:\/\/magicart-delta.com\/wp-content\/uploads\/2023\/03\/money-2724241__340.jpg 503w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><strong>Le persone che lavorano senza un rapporto di lavoro subordinato lavorano sotto <a href=\"https:\/\/magicart-delta.com\/it\/2026\/08\/07\/accordo-civile\/\">contratto civile<\/a>.<\/strong> In un contratto civile non esiste un posto di lavoro fisso, n\u00e9 un orario di lavoro fisso, e la natura del lavoro svolto \u00e8 tale da non poter essere definito un processo continuativo. Si tratta di persone che lavorano in base a un contratto di produzione (art. 258 del Codice del lavoro), in base a un contratto di commissione (art. 280 del Codice del lavoro) e in base ad altri contratti. Le parti di tali contratti sono chiamate il mandante\/fiduciario e l&#039;appaltatore\/fiduciario. Per la durata del contratto senza rapporto di lavoro, le persone sono soggette all&#039;assicurazione obbligatoria. Una persona pu\u00f2 essere assicurata contemporaneamente tramite un contratto civile e un contratto di lavoro. I contributi assicurativi vengono versati dall&#039;assicuratore, contraente del contratto, e dal lavoratore assunto con contratto civile, in una proporzione determinata dalla legge. Se una persona lavora senza un rapporto di lavoro, vale a dire in base a un contratto civile, dopo aver dedotto i costi dell&#039;attivit\u00e0, se il reddito mensile \u00e8 inferiore al salario minimo o se la persona non \u00e8 assicurata su nessun altro fondamento (art. 4, par. 1 e par. 2 della Legge sulla sicurezza sociale), allora questa persona non \u00e8 tenuta a versare contributi previdenziali. Se le persone che lavorano con un contratto civile percepiscono anche una pensione, indipendentemente dalla sua tipologia, sono assicurate volontariamente.<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"SGWGxLSapu\"><p><a href=\"https:\/\/magicart-delta.com\/it\/2026\/08\/10\/\u043e\u0441\u0438\u0433\u0443\u0440-\u043e\u0432\u043a\u0438\u0442\u0435-\u0437\u0430\u0449\u043e-\u043a\u043e\u0433\u0430-\u043a\u043e\u043b\u043a\u043e\/\">\u041e\u0441\u0438\u0433\u0443\u0440\u043e\u0432\u043a\u0438 &#8211; \u0437\u0430\u0449\u043e, \u043a\u043e\u0433\u0430, \u043a\u043e\u043b\u043a\u043e? &#8211; \u0447\u0430\u0441\u0442 1<\/a><\/p><\/blockquote>\n<p><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;\u041e\u0441\u0438\u0433\u0443\u0440\u043e\u0432\u043a\u0438 &#8211; \u0437\u0430\u0449\u043e, \u043a\u043e\u0433\u0430, \u043a\u043e\u043b\u043a\u043e? &#8211; \u0447\u0430\u0441\u0442 1&#8221; &#8212; \u041c\u0430\u0433\u0438\u044f\u0442\u0430 \u043d\u0430 \u0438\u0437\u043a\u0443\u0441\u0442\u0432\u043e\u0442\u043e-\u0441\u043b\u043e\u0432\u043e, \u043c\u0443\u0437\u0438\u043a\u0430 \u0438 \u0442\u0430\u043d\u0446\" src=\"https:\/\/magicart-delta.com\/2026\/08\/10\/osigurovkite-zashto-koga-kolko\/embed\/#?secret=joGecezYnZ#?secret=SGWGxLSapu\" data-secret=\"SGWGxLSapu\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<h2>Procedura per il pagamento dei contributi previdenziali<\/h2>\n<p>I premi assicurativi vengono pagati mensilmente. Vengono pagati dagli assicuratori entro il giorno 25 del mese successivo a quello in cui \u00e8 stata eseguita la prestazione lavorativa. Pertanto, i premi assicurativi per il mese di luglio di quest&#039;anno dovranno essere presentati dall&#039;assicuratore entro il 25 agosto.<\/p>\n<p>I contributi per l&#039;SMPS e i relativi interessi vengono riscossi dalla NRA tramite un conto SMPS specializzato. L&#039;NRA trasferisce i contributi ricevuti entro 30 giorni dal loro ricevimento dal conto specializzato ai conti dei fondi pensione competenti, secondo la scelta o la distribuzione ufficiale di ciascun assicurato. In caso di ritardo ingiustificato nel trasferimento degli importi, la NRA \u00e8 tenuta a corrispondere gli interessi di mora previsti dalla legge per il periodo di ritardo. Il rapporto tra l&#039;NRA e la compagnia di assicurazione pensionistica \u00e8 regolato da un contratto.<\/p>\n<p>Se la persona \u00e8 autoassicurata, dovr\u00e0 nuovamente versarli entro il 25, potendo scegliere se farlo autonomamente o tramite i fondi assicurativi a proprie spese.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-1104 alignright\" src=\"https:\/\/magicart-delta.com\/wp-content\/uploads\/2023\/04\/bookkeeping-615384__340-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/magicart-delta.com\/wp-content\/uploads\/2023\/04\/bookkeeping-615384__340-300x200.jpg 300w, https:\/\/magicart-delta.com\/wp-content\/uploads\/2023\/04\/bookkeeping-615384__340.jpg 511w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/>I contributi assicurativi vengono versati nei conti previdenziali statali competenti per i vari fondi. Ci\u00f2 avviene tramite ordini di pagamento da parte degli assicuratori\/autoassicurati. L&#039;autorit\u00e0 incaricata della riscossione dei contributi previdenziali e della loro ridistribuzione \u00e8 l&#039;Agenzia delle Entrate Nazionale (NRA). Se il datore di lavoro non ha versato i contributi dovuti sul conto, ci\u00f2 non pregiudica i diritti assicurativi dell&#039;assicurato. In tali casi, l&#039;assicuratore \u00e8 soggetto a sanzione per inadempimento dei propri obblighi. Se il datore di lavoro \u00e8 corretto ed effettua regolarmente i pagamenti sul conto, l&#039;assicurato pu\u00f2 verificarlo sul sito web dell&#039;Istituto nazionale della sicurezza sociale, dove trover\u00e0 un servizio elettronico per conoscere lo stato del suo conto personale al 01.01.1997. finora.)<\/p>\n<h2>Il ruolo dell&#039;assicurazione nella vita pubblica<\/h2>\n<p>Lo scopo dell&#039;assicurazione pensionistica \u00e8 quello di ricevere un reddito dopo la cessazione del rapporto di lavoro dell&#039;assicurato. <strong>Persone assicurate in un fondo pensione universale<\/strong> hanno diritto ad una pensione di vecchiaia vitalizia integrativa al raggiungimento dell&#039;et\u00e0 prevista dall&#039;art. 68, paragrafo 1 della CSR. L&#039;et\u00e0 pensionabile per uomini e donne aumenta periodicamente, cos\u00ec come la durata del servizio assicurativo. I fondi accumulati nei singoli conti SMPS sono di propriet\u00e0 dei rispettivi titolari. Tali conti potranno essere trasmessi in eredit\u00e0 dopo la morte del titolare, come previsto dall&#039;art. 170 della CSR. Sono considerati eredi: il coniuge superstite, i figli, i nipoti, i genitori, i nonni.<\/p>\n<p><strong>assicurati in un fondo pensione aziendale<\/strong> hanno diritto a una pensione di vecchiaia a termine per il pensionamento anticipato se hanno:<\/p>\n<ul>\n<li>esperienza lavorativa acquisita non inferiore a 10 anni dopo il 31 dicembre 1999, nelle condizioni della prima categoria di lavoro e un&#039;et\u00e0 inferiore di 10 anni all&#039;et\u00e0 per l&#039;acquisizione della pensione per l&#039;anzianit\u00e0 di servizio e all&#039;et\u00e0 di vecchiaia per la terza categoria di lavoro;<\/li>\n<li>non meno di 15 anni. periodo di assicurazione successivo al 31 dicembre 1999, nelle condizioni della seconda categoria di lavoro o nelle condizioni della prima e della seconda categoria di lavoro e un&#039;et\u00e0 inferiore di 5 anni all&#039;et\u00e0 per l&#039;acquisizione della pensione per l&#039;anzianit\u00e0 di servizio e all&#039;et\u00e0 di vecchiaia per la terza categoria di lavoro.<\/li>\n<\/ul>\n<p><strong>Persone assicurate in un fondo pensione complementare volontario<\/strong> hanno diritto a una pensione di vecchiaia personale o al diritto di prelevare i fondi accumulati. Questi fondi possono essere ereditati, cos\u00ec come i fondi accumulati nell&#039;UPF. L&#039;assicurazione nel DDPF pu\u00f2 essere trasferita dal conto di un fondo all&#039;altro.<\/p>\n<p>La politica sociale e sanitaria, nonch\u00e9 lo sviluppo dei relativi sistemi, \u00e8 un processo aperto e multilineare che si sviluppa sotto l&#039;influenza di vari fattori che costituiscono sia l&#039;essenza del dato sistema sociale in ogni specifica fase storica, sia i vari impatti di natura sociale, economica, culturale o naturale-climatica. Non esiste e non ci si dovrebbe aspettare che esista alcun modello preimpostato, un modello di soluzione &quot;corretta&quot;, perch\u00e9 quella &quot;corretta&quot; in un dato momento \u00e8 quello sviluppo che, nel grado pi\u00f9 elevato e ottimale, secondo le reali possibilit\u00e0, aiuta a risolvere i problemi della specifica societ\u00e0, a preservarla e a svilupparla a un livello superiore. Negli ultimi anni lo sviluppo dell&#039;assicurazione sociale, pensionistica e sanitaria ha dovuto affrontare nuove sfide legate alla globalizzazione e al continuo aumento degli spostamenti di denaro, persone e merci attraverso i confini nazionali.<\/p>\n<p>\u0421\u043b\u0435\u0434\u0435\u043d\u0435\u0442\u043e \u043d\u0430 \u0441\u0440\u043e\u043a\u043e\u0432\u0435\u0442\u0435 \u0437\u0430 \u0432\u0441\u0438\u0447\u043a\u0438 <strong class=\"rQesXe MPyX\" data-sfc-cp=\"\" data-sfc-root=\"ep\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\u0437\u0430\u0434\u0432\u0430\u043b\u0436\u0438\u0442\u0435\u043b\u043d\u0438 \u043e\u0441\u0438\u0433\u0443\u0440\u0438\u0442\u0435\u043b\u043d\u0438 \u0432\u043d\u043e\u0441\u043a\u0438<!--TgQPHd|||[]--><\/strong> \u0449\u0435 \u0432\u0438 \u0441\u043f\u0435\u0441\u0442\u0438 \u0433\u043b\u043e\u0431\u0438 \u0438 \u043b\u0438\u0445\u0432\u0438 \u043e\u0442 \u0434\u044a\u0440\u0436\u0430\u0432\u043d\u0438\u0442\u0435 \u043e\u0440\u0433\u0430\u043d\u0438.<\/p>\n<p><em><strong>Riferimenti:<\/strong><\/em><\/p>\n<ol>\n<li><em>Legge sull&#039;assicurazione sanitaria. Annuncio SG. N. 70 del 19 giugno 1998, ultimo aggiornamento. modificare. e SG aggiuntivo. Numero 67 del 28 luglio 2020<\/em><\/li>\n<li><em>Codice della previdenza sociale. Annuncio SG. N. 110 del 17 dicembre 1999, ultimo numero. modificare. SG. N. 69 del 4 agosto 2020Codice della previdenza sociale<\/em><\/li>\n<li><em>Salchev P., Georgieva L. Principi e pratiche nell&#039;assicurazione sanitaria e pensionistica. Sofia 2008<\/em><\/li>\n<li><em>https:\/\/noi.bg\/benefits\/insurance\/1914-onnl<\/em><\/li>\n<li><em>https:\/\/pravatami.bg\/17123, Autore: Rumyana Yordanova, 28\/09\/2016, 15\/03\/2018<\/em><\/li>\n<\/ol>\n<p style=\"text-align: right;\"><strong><em>\u00a9 2023 Iliana Dechkova<\/em><\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>\u041a\u0430\u043a \u0441\u0435 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u0442 \u0432\u0430\u0448\u0438\u0442\u0435 \u0437\u0430\u0434\u044a\u043b\u0436\u0438\u0442\u0435\u043b\u043d\u0438\u0442\u0435 \u043e\u0441\u0438\u0433\u0443\u0440\u0438\u0442\u0435\u043b\u043d\u0438 \u0432\u043d\u043e\u0441\u043a\u0438? \u0412\u0438\u0436\u0442\u0435 \u0432\u0442\u043e\u0440\u0430 \u0447\u0430\u0441\u0442 \u043d\u0430 \u0440\u044a\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e\u0442\u043e \u0437\u0430 \u0441\u0440\u043e\u043a\u043e\u0432\u0435, \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u0438 \u0438 \u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0437\u0430 \u043f\u043b\u0430\u0449\u0430\u043d\u0435. \u0421\u0430\u043c\u043e\u043e\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u0449\u0438 \u0441\u0435 \u043b\u0438\u0446\u0430 \u0417\u0430\u0434\u044a\u043b\u0436\u0435\u043d\u0438\u0435\u0442\u043e \u043d\u0430 \u0441\u0430\u043c\u043e\u043e\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u0449\u0438\u0442\u0435 \u0441\u0435 \u043b\u0438\u0446\u0430 \u0437\u0430 \u043e\u0441\u0438\u0433\u0443\u0440\u044f\u0432\u0430\u043d\u0435 \u0432\u044a\u0437\u043d\u0438\u043a\u0432\u0430 \u043e\u0442 \u0434\u0435\u043d\u044f \u043d\u0430 \u0437\u0430\u043f\u043e\u0447\u0432\u0430\u043d\u0435 \u0438\u043b\u0438 \u0432\u044a\u0437\u043e\u0431\u043d\u043e\u0432\u044f\u0432\u0430\u043d\u0435 \u043d\u0430 \u0442\u0440\u0443\u0434\u043e\u0432\u0430\u0442\u0430 \u0434\u0435\u0439\u043d\u043e\u0441\u0442 \u0438 \u043f\u0440\u043e\u0434\u044a\u043b\u0436\u0430\u0432\u0430 \u0434\u043e \u043d\u0435\u0439\u043d\u043e\u0442\u043e \u043f\u0440\u0435\u043a\u044a\u0441\u0432\u0430\u043d\u0435 \u0438\u043b\u0438 \u043f\u0440\u0435\u043a\u0440\u0430\u0442\u044f\u0432\u0430\u043d\u0435. \u041f\u0440\u0438 \u0437\u0430\u043f\u043e\u0447\u0432\u0430\u043d\u0435, \u043f\u0440\u0435\u043a\u044a\u0441\u0432\u0430\u043d\u0435, \u0432\u044a\u0437\u043e\u0431\u043d\u043e\u0432\u044f\u0432\u0430\u043d\u0435 \u0438\u043b\u0438 \u043f\u0440\u0435\u043a\u0440\u0430\u0442\u044f\u0432\u0430\u043d\u0435 \u043d\u0430 \u0432\u0441\u044f\u043a\u0430 \u0442\u0440\u0443\u0434\u043e\u0432\u0430 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/magicart-delta.com\/it\/2026\/08\/10\/\u043e\u0441\u0438\u0433\u0443\u0440-\u043e\u0432\u043a\u0438\u0442\u0435-\u0437\u0430\u0449\u043e-\u043a\u043e\u0433\u0430-\u043a\u043e\u043b\u043a\u043e-\u0447\u0430\u0441\/\" class=\"more-link\">Leggi l&#039;articolo completo\u2192<span class=\"screen-reader-text\">&#8222;\u041e\u0441\u0438\u0433\u0443\u0440\u043e\u0432\u043a\u0438\u0442\u0435 \u2013 \u0437\u0430\u0449\u043e, \u043a\u043e\u0433\u0430, \u043a\u043e\u043b\u043a\u043e? \u2013 \u0447\u0430\u0441\u0442 2&#8220;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":829,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[38,61,9,4,63,62],"class_list":["post-1103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1","tag-38","tag-61","tag-9","tag-4","tag-63","tag-62"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"\u041a\u0430\u043a \u0441\u0435 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u0442 \u0432\u0430\u0448\u0438\u0442\u0435 \u043e\u0441\u0438\u0433\u0443\u0440\u043e\u0432\u043a\u0438\u0442\u0435? \u0412\u0438\u0436\u0442\u0435 \u0432\u0442\u043e\u0440\u0430 \u0447\u0430\u0441\u0442 \u043d\u0430 \u0440\u044a\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e\u0442\u043e \u0437\u0430 \u0441\u0440\u043e\u043a\u043e\u0432\u0435, \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u0438 \u0438 \u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0437\u0430 \u043f\u043b\u0430\u0449\u0430\u043d\u0435.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"Delta\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/magicart-delta.com\/it\/2026\/08\/10\/\u043e\u0441\u0438\u0433\u0443\u0440-\u043e\u0432\u043a\u0438\u0442\u0435-\u0437\u0430\u0449\u043e-\u043a\u043e\u0433\u0430-\u043a\u043e\u043b\u043a\u043e-\u0447\u0430\u0441\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.1.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"it_IT\" \/>\n\t\t<meta property=\"og:site_name\" content=\"\u041c\u0430\u0433\u0438\u044f\u0442\u0430 \u043d\u0430 \u0438\u0437\u043a\u0443\u0441\u0442\u0432\u043e\u0442\u043e-\u0441\u043b\u043e\u0432\u043e, \u043c\u0443\u0437\u0438\u043a\u0430 \u0438 \u0442\u0430\u043d\u0446 - \u0431\u043b\u043e\u0433\/ \u0432\u043b\u043e\u0433 \u0437\u0430 \u0430\u0432\u0442\u043e\u0440\u0441\u043a\u043e \u0441\u043b\u043e\u0432\u0435\u0441\u043d\u043e \u0438 \u043c\u0443\u0437\u0438\u043a\u0430\u043b\u043d\u043e \u0438\u0437\u043a\u0443\u0441\u0442\u0432\u043e \u0438 \u0441\u043f\u043e\u0440\u0442\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"\u041e\u0441\u0438\u0433\u0443\u0440\u043e\u0432\u043a\u0438\u0442\u0435 \u2013 \u0437\u0430\u0449\u043e, \u043a\u043e\u0433\u0430, \u043a\u043e\u043b\u043a\u043e? 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