{"id":2148,"date":"2023-10-30T12:25:47","date_gmt":"2023-10-30T12:25:47","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2148"},"modified":"2023-10-30T16:49:54","modified_gmt":"2023-10-30T16:49:54","slug":"pojistovny-ceka-historicky-nejvetsi-presun-majetku","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2148","title":{"rendered":"Poji\u0161\u0165ovny \u010dek\u00e1 historicky nejv\u011bt\u0161\u00ed p\u0159esun majetku"},"content":{"rendered":"
Zpr\u00e1va o glob\u00e1ln\u00ed situaci na trhu \u017eivotn\u00edho poji\u0161t\u011bn\u00ed <\/strong>World Life Insurance Report 2023<\/strong><\/a>, kterou zve\u0159ejnil V\u00fdzkumn\u00fd institut Capgemini, upozor\u0148uje na bezprecedentn\u00ed zm\u011bny, je\u017e \u010dekaj\u00ed poji\u0161\u0165ovny. <\/strong><\/div>\n

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Historicky nejv\u011bt\u0161\u00ed mezigenera\u010dn\u00ed p\u0159esun majetku povede k v\u00fdrazn\u00e9mu odlivu aktiv pod spr\u00e1vou (AUM). Pojistn\u00edci star\u0161\u00ed 65 let v sou\u010dasn\u00e9 dob\u011b vlastn\u00ed cel\u00fdch 40 % spravovan\u00fdch aktiv pojistitel\u016f, co\u017e u 40 nejv\u011bt\u0161\u00edch \u017eivotn\u00edch poji\u0161\u0165oven na sv\u011bt\u011b p\u0159edstavuje 7,8 bilionu americk\u00fdch dolar\u016f. Ve\u0161ker\u00e1 tato aktiva p\u0159ejdou do roku 2040 na opr\u00e1vn\u011bn\u00e9 osoby.<\/div>\n
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Podle organizace spojen\u00fdch n\u00e1rod\u016f bude do roku 2050 cel\u00fdch 33 % sv\u011btov\u00e9 populace star\u0161\u00ed 50 let. Navzdory tomu nem\u00e1 v\u011bt\u0161ina senior\u016f p\u0159ipraven\u00fd finan\u010dn\u00ed pl\u00e1n pro zaji\u0161t\u011bn\u00e9 st\u00e1\u0159\u00ed. Nov\u00e1 zpr\u00e1va spole\u010dnosti Capgemini ukazuje, \u017ee 60 % osob nad 65 let dosud nevyu\u017eilo profesion\u00e1ln\u00edch slu\u017eeb finan\u010dn\u00edho poradenstv\u00ed, aby se p\u0159ipravilo na odchod do d\u016fchodu nebo p\u0159evedlo sv\u016fj majetek.<\/div>\n
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Ekonomick\u00e9 p\u0159ek\u00e1\u017eky, klesaj\u00edc\u00ed st\u00e1tn\u00ed podpora a \u010d\u00edm d\u00e1l vy\u0161\u0161\u00ed v\u00fddaje na zdravotn\u00ed p\u00e9\u010di prohlubuj\u00ed krizi spojenou s rostouc\u00edmi \u017eivotn\u00ed n\u00e1klady. Lid\u00e9, kte\u0159\u00ed se bl\u00ed\u017e\u00ed k odchodu do d\u016fchodu, tak mus\u00ed n\u00e9st v\u011bt\u0161inu finan\u010dn\u00ed odpov\u011bdnosti za zaji\u0161t\u011bn\u00e9 st\u00e1\u0159\u00ed. A\u010dkoliv tyto okolnosti zvy\u0161uj\u00ed v\u00fdznam \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, spot\u0159ebitel\u00e9 se v t\u00e9to oblasti pot\u00fdkaj\u00ed s p\u0159ek\u00e1\u017ekami. Jako nej\u010dast\u011bj\u0161\u00ed probl\u00e9m zmi\u0148uj\u00ed pojistn\u00edci slo\u017eitou nab\u00eddku \u017eivotn\u00edho poji\u0161t\u011bn\u00ed a m\u00e1lo informac\u00ed (39 %), na druh\u00e9m m\u00edst\u011b pak nedostatek d\u016fv\u011bry (29 %).<\/div>\n
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\u201eDemografick\u00e9 zm\u011bny spojen\u00e9 s bezprecedentn\u00edm p\u0159esunem bohatstv\u00ed, k n\u011bmu\u017e dojde v n\u00e1sleduj\u00edc\u00edch letech, p\u0159edstavuj\u00ed pro odv\u011btv\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed riziko \u2013 jeho c\u00edlem je koneckonc\u016f uspokojovat pot\u0159eby st\u00e1rnouc\u00ed populace. Pojistitel\u00e9 proto mus\u00ed naj\u00edt zp\u016fsob, jak reagovat na vyv\u00edjej\u00edc\u00ed se n\u00e1roky spot\u0159ebitel\u016f. \u0158e\u0161en\u00edm je nap\u0159\u00edklad personalizace, slu\u017eby na m\u00edru \u010di inovativn\u00ed produkty. V t\u00e9to oblasti mohou pojistitel\u016fm asistovat nap\u0159\u00edklad firmy, kter\u00e9 se na slu\u017eby senior\u016fm specializuj\u00ed. Takov\u00e1 partnerstv\u00ed dopln\u00ed pojistitel\u016fm chyb\u011bj\u00edc\u00ed expert\u00edzu a pomohou jim vytv\u00e1\u0159et slu\u017eby s p\u0159idanou hodnotou. Pouze ti, kte\u0159\u00ed v\u010das oslov\u00ed sv\u00e9 klienty a jejich opr\u00e1vn\u011bn\u00e9 osoby, toti\u017e z\u00edskaj\u00ed d\u016fv\u011bru z\u00e1kazn\u00edk\u016f a ochr\u00e1n\u00ed sv\u00e1 aktiva,\u201c<\/em> uvedla Samantha Chow, glob\u00e1ln\u00ed l\u00eddr pro sektor \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, anuit a p\u0159\u00edsp\u011bvk\u016f ve spole\u010dnosti Capgemini.<\/div>\n
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\u010ce\u0161t\u00ed spot\u0159ebitel\u00e9 st\u00e1rnou rychleji ne\u017e jinde v Evrop\u011b<\/strong><\/div>\n
Situace se dot\u00fdk\u00e1 tak\u00e9 tuzemsk\u00fdch pojistn\u00edku a pojistitel\u016f. Pokud jde o zv\u00fd\u0161en\u00ed pod\u00edlu obyvatel ve v\u011bku 65 let a v\u00edce, v obdob\u00ed 2008\u20132018 bylo \u010cesko v \u017eeb\u0159\u00ed\u010dku st\u00e1t\u016f EU na t\u0159et\u00ed p\u0159\u00ed\u010dce. Tempo st\u00e1rnut\u00ed \u010desk\u00e9 populace je dokonce vy\u0161\u0161\u00ed ne\u017e evropsk\u00fd pr\u016fm\u011br. \u201eSt\u00e1rnut\u00ed obyvatelstva je glob\u00e1ln\u00edm celospole\u010densk\u00fdm probl\u00e9mem, kter\u00fd se nevyh\u00fdb\u00e1 ani na\u0161\u00ed republice. Podle \u00fadaj\u016f \u010cesk\u00e9ho statistick\u00e9ho \u00fa\u0159adu se po\u010det obyvatel nad 65 let setrvale zvy\u0161uje u\u017e od poloviny 80. let, stejn\u011b tak jako jejich pod\u00edl na celkov\u00e9 populaci \u2013 ten nyn\u00ed \u010din\u00ed v\u00edce ne\u017e p\u011btinu, do roku 2050 to pak z\u0159ejm\u011b bude okolo 30 %. T\u011bmto demografick\u00fdm zm\u011bn\u00e1m se musej\u00ed tuzem\u0161t\u00ed pojistitel\u00e9 p\u0159izp\u016fsobit,\u201c <\/em>\u0159\u00edk\u00e1 Bernd Bugelnig, Country Manager Capgemini \u010cesk\u00e1 republika.<\/div>\n
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\u201ePodle pr\u016fzkumu \u010cesk\u00e9 asociace poji\u0161\u0165oven z roku 2022 se \u010ce\u0161i nejv\u00edce ob\u00e1vaj\u00ed, \u017ee se o sebe ve st\u00e1\u0159\u00ed nedok\u00e1\u017eou sami postarat, co\u017e bude znamenat z\u00e1t\u011b\u017e pro dal\u0161\u00ed \u010dleny rodiny \u2013 nejen \u010dasovou, ale tak\u00e9 finan\u010dn\u00ed. To ukazuje, \u017ee i v na\u0161em kontextu maj\u00ed pojistitel\u00e9 p\u0159\u00edle\u017eitost uzp\u016fsobit sv\u00e9 produkty \u017eivotn\u00edho poji\u0161t\u011bn\u00ed demografick\u00fdm zm\u011bn\u00e1m populace a vyj\u00edt tak vst\u0159\u00edc spole\u010densk\u00e9 popt\u00e1vce. D\u016fstojn\u00e9, aktivn\u00ed a finan\u010dn\u011b zaji\u0161t\u011bn\u00e9 st\u00e1\u0159\u00ed bude toti\u017e d\u016fle\u017eit\u00e9 pro \u010d\u00edm d\u00e1l v\u00edce lid\u00ed,\u201c<\/em> dod\u00e1v\u00e1 Bernd Bugelnig.<\/div>\n
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\u0158e\u0161en\u00edm jsou nov\u00e1 partnerstv\u00ed a zam\u011b\u0159en\u00ed na majetnou klientelu<\/strong><\/div>\n
Je z\u0159ejm\u00e9, \u017ee udr\u017eet svoji pozici v \u00e9\u0159e historicky nejv\u011bt\u0161\u00edho p\u0159esunu majetku bude pro \u017eivotn\u00ed poji\u0161\u0165ovny hlavn\u00ed v\u00fdzvou. Aby ochr\u00e1nily spravovan\u00e1 aktiva, doporu\u010duje zpr\u00e1va Capgemini zam\u011b\u0159it se na majetn\u00e9 spot\u0159ebitele, tzv. affluent a mass affluent. Ti vlastn\u00ed 39 % celosv\u011btov\u00e9ho majetku a tvo\u0159\u00ed p\u0159ibli\u017en\u011b 20 % st\u00e1rnouc\u00ed populace. Tento segment projevuje tak\u00e9 nejvy\u0161\u0161\u00ed z\u00e1jem o \u0159e\u0161en\u00ed pro zaji\u0161t\u011bn\u00e9 st\u00e1\u0159\u00ed: v\u00edce ne\u017e 75 % z nich chce inovativn\u00ed produkty \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Pouh\u00fdch 27 % pojistitel\u016f v\u0161ak disponuje pokro\u010dil\u00fdm produktov\u00fdm v\u00fdvojem, aby takov\u00e9 produkty mohli poskytnout.<\/div>\n
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Podle zpr\u00e1vy Capgemini p\u0159itom v\u00edce ne\u017e 44 % majetn\u00fdch (affluent a mass affluent) z\u00e1kazn\u00edk\u016f ve v\u011bku 50+ o\u010dek\u00e1v\u00e1, \u017ee jejich poji\u0161\u0165ovny budou poskytovat pr\u00e1v\u011b tyto slu\u017eby, od wellness program\u016f a\u017e po asistovan\u00e9 bydlen\u00ed. Jestli\u017ee cht\u011bj\u00ed pojistitel\u00e9 tuto mezeru p\u0159eklenout a nab\u00edzet \u0161irokou \u0161k\u00e1lu slu\u017eeb s p\u0159idanou hodnotou, bude t\u0159eba vytv\u00e1\u0159et ekosyst\u00e9mov\u00e1 partnerstv\u00ed.<\/div>\n
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P\u0159em\u011bna \u017eivotn\u00edho cyklu z\u00e1kazn\u00edka pro zv\u00fd\u0161en\u00ed r\u016fstu<\/strong><\/div>\n
Ve v\u00edru zm\u011bn, kter\u00e9 pojistitele \u010dekaj\u00ed, bude nutn\u00e9 naj\u00edt zp\u016fsob, jak ochr\u00e1nit aktiva a podpo\u0159it r\u016fst. Zpr\u00e1va Capgemini zd\u016fraz\u0148uje, \u017ee \u0159e\u0161en\u00edm je zm\u011bna p\u0159\u00edstupu: m\u00edsto zam\u011b\u0159en\u00ed ryze na produkty rad\u00ed zam\u011b\u0159ovat se na z\u00e1kazn\u00edky. Takov\u00fd p\u0159\u00edstup p\u0159in\u00e1\u0161\u00ed komplexn\u00ed \u0159e\u0161en\u00ed s vy\u0161\u0161\u00ed p\u0159idanou hodnotou a pom\u00e1h\u00e1 klient\u016fm k zaji\u0161t\u011bn\u00e9mu st\u00e1\u0159\u00ed. Vy\u017eaduje v\u0161ak v\u00fdvoj hodnotov\u00e9ho \u0159et\u011bzce zam\u011b\u0159en\u00fd na lep\u0161\u00ed onboarding z\u00e1kazn\u00edk\u016f a vy\u0161\u0161\u00ed zapojen\u00ed pojistn\u00edk\u016f a opr\u00e1vn\u011bn\u00fdch osob. D\u00edky tomu bude mo\u017en\u00e9 p\u0159em\u011bnit opr\u00e1vn\u011bn\u00e9 osoby na nov\u00e9 z\u00e1kazn\u00edky a z pojistn\u00fdch ud\u00e1lost\u00ed ud\u011blat p\u0159\u00edle\u017eitosti ke generov\u00e1n\u00ed p\u0159\u00edjm\u016f.<\/div>\n
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Pojistitel\u00e9 mohou pro za\u010d\u00e1tek konsolidovat sv\u00e1 data (a z\u00edskat tak celistv\u00fd pohled na z\u00e1kazn\u00edka) a sv\u00e9 pracovn\u00edky digit\u00e1ln\u011b pos\u00edlit um\u011blou inteligenc\u00ed, v\u010detn\u011b t\u00e9 generativn\u00ed, co\u017e jim umo\u017en\u00ed nab\u00edzet hyperpersonalizovan\u00e9 poradenstv\u00ed. Pouze 21 % pojistitel\u016f v\u0161ak disponuje n\u00e1stroji pro pokro\u010dilou anal\u00fdzu dat a je\u0161t\u011b m\u00e9n\u011b (19 %) vyu\u017e\u00edv\u00e1 pokro\u010dil\u00e9 technologie k zefektivn\u011bn\u00ed provozu, obohacen\u00ed z\u00e1kaznick\u00e9 zku\u0161enosti, integraci nap\u0159\u00ed\u010d nov\u011b vznikaj\u00edc\u00edmi ekosyst\u00e9my a rychlej\u0161\u00edmu rozhodov\u00e1n\u00ed zalo\u017een\u00e9mu na datech.<\/div>\n
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Zjednodu\u0161en\u00fd a personalizovan\u00fd onboarding, flexibilita p\u0159i restrukturalizaci pojistn\u00fdch ud\u00e1lost\u00ed a celistv\u00fd pohled na z\u00e1kazn\u00edka prost\u0159ednictv\u00edm modernizace technologi\u00ed jsou podle Capgemini hlavn\u00ed zp\u016fsoby, jak mohou poji\u0161\u0165ovny zv\u00fd\u0161it anga\u017eovanost pojistn\u00edk\u016f a opr\u00e1vn\u011bn\u00fdch osob a prohloubit tak vztahy se z\u00e1kazn\u00edky. Ti pojistitel\u00e9, kter\u00fdm se to poda\u0159\u00ed, pos\u00edl\u00ed d\u016fv\u011bru z\u00e1kazn\u00edk\u016f nap\u0159\u00ed\u010d generacemi, podpo\u0159\u00ed sv\u016fj r\u016fst a ochr\u00e1n\u00ed v\u00fdznamn\u00e1 aktiva ohro\u017een\u00e1 p\u0159evodem na opr\u00e1vn\u011bn\u00e9 osoby, uzav\u00edr\u00e1 zpr\u00e1va World Life Insurance Report 2023<\/a>.<\/div>\n","protected":false},"excerpt":{"rendered":"

Zpr\u00e1va o glob\u00e1ln\u00ed situaci na trhu \u017eivotn\u00edho poji\u0161t\u011bn\u00ed World Life Insurance Report 2023, kterou zve\u0159ejnil V\u00fdzkumn\u00fd institut Capgemini, upozor\u0148uje na bezprecedentn\u00ed zm\u011bny, je\u017e \u010dekaj\u00ed poji\u0161\u0165ovny.<\/p>\n<\/div>","protected":false},"author":2,"featured_media":2149,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-2148","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojistovny"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2148","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2148"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2148\/revisions"}],"predecessor-version":[{"id":2150,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2148\/revisions\/2150"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/2149"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2148"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2148"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2148"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}