{"id":781,"date":"2023-01-25T15:17:12","date_gmt":"2023-01-25T15:17:12","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=781"},"modified":"2023-01-26T08:52:00","modified_gmt":"2023-01-26T08:52:00","slug":"cpp-uchranila-pred-podvody-temer-90-milionu-korun","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=781","title":{"rendered":"\u010cPP uchr\u00e1nila p\u0159ed podvody t\u00e9m\u011b\u0159 90 milion\u016f"},"content":{"rendered":"<p><strong>Za rok 2022 pro\u0161et\u0159ovali specialist\u00e9 \u010cesk\u00e9 podnikatelsk\u00e9 poji\u0161\u0165ovny (d\u00e1le jen \u201e\u010cPP\u201c) t\u00e9m\u011b\u0159 1 100 p\u0159\u00edpad\u016f s podez\u0159en\u00edm na podvodn\u00e9 jedn\u00e1n\u00ed. Uchr\u00e1n\u011bn\u00e1 hodnota z uzav\u0159en\u00fdch p\u0159\u00edpad\u016f \u010dinila t\u00e9m\u011b\u0159 90 milion\u016f K\u010d. Jedn\u00e1 se o t\u00e9m\u011b\u0159 dvojn\u00e1sobn\u00fd po\u010det p\u0159\u00edpad\u016f oproti roku 2021 a n\u00e1r\u016fst uchr\u00e1n\u011bn\u00e9 \u010d\u00e1stky o 30 milion\u016f korun.<\/strong><\/p>\n<p><!--more--><\/p>\n<p><em>\u201eNejv\u00edce podez\u0159en\u00ed na podvod jsme \u0159e\u0161ili v\u00a0Praze, kde se koncentrovalo 17 % ze v\u0161ech p\u0159\u00edpad\u016f, a\u00a0v\u00a0\u00dasteck\u00e9m kraji, kde jsme evidovali 13 % p\u0159\u00edpad\u016f. Naopak nejm\u00e9n\u011b podez\u0159en\u00ed na podvodn\u00e9 jedn\u00e1n\u00ed jsme \u0159e\u0161ili v\u00a0Pardubick\u00e9m a Karlovarsk\u00e9m kraji. Nejv\u011bt\u0161\u00ed objem finan\u010dn\u00edch prost\u0159edk\u016f se poda\u0159ilo uchr\u00e1nit za region Prahy, kde se jednalo o \u010d\u00e1stku v\u00edce jak 23 milion\u016f korun,\u201c<\/em> up\u0159esnila Dita N\u011bme\u010dkov\u00e1, vedouc\u00ed Odboru vy\u0161et\u0159ov\u00e1n\u00ed a prevence<em>.<\/em><em>\u00a0<\/em><\/p>\n<p><em>\u201ePo\u010det pokus\u016f o pojistn\u00e9 podvody v\u00a0pr\u016fb\u011bhu let nar\u016fst\u00e1, stejn\u011b tak i uh\u00e1jen\u00e1 \u010d\u00e1stka. D\u016fvodem je p\u0159edev\u0161\u00edm v\u011bt\u0161\u00ed po\u010det klient\u016f, kter\u00e9 \u010cPP dok\u00e1zala oslovit se svou nab\u00eddkou. \u010cPP je trojkou na trhu v\u00a0oblasti povinn\u00e9ho ru\u010den\u00ed, a pr\u00e1v\u011b nej\u010dast\u011bj\u0161\u00ed jsou st\u00e1le podvody spojen\u00e9 s poji\u0161t\u011bn\u00edm vozidel. Pachatel\u00e9 pojistn\u00fdch podvod\u016f si v\u0161ak \u010dasto neuv\u011bdomuj\u00ed, \u017ee se sv\u00fdm jedn\u00e1n\u00edm vystavuj\u00ed trestn\u00edmu st\u00edh\u00e1n\u00ed. Pojistn\u00fd podvod je trestn\u00fd \u010din, za kter\u00fd m\u016f\u017ee b\u00fdt pachatel odsouzen k trestu odn\u011bt\u00ed svobody a\u017e ve v\u00fd\u0161i deseti let,\u201c <\/em>vysv\u011btluje Renata \u010capkov\u00e1, tiskov\u00e1 mluv\u010d\u00ed \u010cPP.<em>\u00a0<\/em><\/p>\n<p>P\u0159esto\u017ee nejpo\u010detn\u011bj\u0161\u00ed jsou st\u00e1le podvody spojen\u00e9 s poji\u0161t\u011bn\u00edm vozidel, specialist\u00e9 \u010cPP v\u00a0lo\u0148sk\u00e9m roce \u0159e\u0161ili i p\u0159\u00edpady z\u00a0jin\u00fdch oblast\u00ed poji\u0161t\u011bn\u00ed. Mezi zaj\u00edmav\u00e9 p\u0159\u00edpady z\u00a0lo\u0148sk\u00e9ho roku pat\u0159\u00ed p\u0159\u00edpad b\u00fdval\u00e9 extern\u00ed zprost\u0159edkovatelky poji\u0161t\u011bn\u00ed, kter\u00e1 hl\u00e1sila na pojistn\u00fdch smlouv\u00e1ch osob, kter\u00e9 poji\u0161\u0165ovala, fiktivn\u00ed pojistn\u00e9 ud\u00e1losti. Jednalo se o \u0161kody, jak z\u00a0ne\u017eivotn\u00edho poji\u0161t\u011bn\u00ed (po\u0161kozen\u00ed mobiln\u00edch telefon\u016f, za\u0159\u00edzen\u00ed dom\u00e1cnosti), tak i \u0161kody z\u00a0\u00farazov\u00e9ho poji\u0161t\u011bn\u00ed, kdy hl\u00e1sila \u00farazy, kter\u00e9 se ve skute\u010dnosti nestaly. Tyto pojistn\u00e9 ud\u00e1losti nenahla\u0161ovala pouze v \u010cPP, ale i v\u00a0ostatn\u00edch poji\u0161\u0165ovn\u00e1ch.<\/p>\n<p>Dal\u0161\u00ed perli\u010dkou byl p\u0159\u00edpad mu\u017ee, kter\u00fd vlastnil po\u0161kozen\u00fd stavebn\u00ed stroj star\u0161\u00edho data v\u00fdroby, u kter\u00e9ho st\u00e1\u0159\u00edm do\u0161lo k\u00a0jeho opot\u0159eben\u00ed. Majitel se sna\u017eil vyu\u017e\u00edt k renovaci, kter\u00e1 ho st\u00e1la t\u00e9m\u011b\u0159 250 tis\u00edc korun, finan\u010dn\u00ed zdroje od poji\u0161\u0165ovny. Na pojistn\u00e9 pln\u011bn\u00ed v\u0161ak nem\u011bl n\u00e1rok. V\u00a0pr\u016fb\u011bhu \u0159e\u0161en\u00ed domn\u011bl\u00e9 pojistn\u00e9 ud\u00e1losti m\u011bnil okolnosti vzniku po\u0161kozen\u00ed stroje, aby z\u00edskal pojistn\u00e9 pln\u011bn\u00ed. V\u00a0tomto p\u0159\u00edpad\u011b byl prok\u00e1z\u00e1n pojistn\u00fd podvod.<\/p>\n<p>Pro zv\u00fd\u0161en\u00ed efektivity v odhalov\u00e1n\u00ed pojistn\u00fdch podvod\u016f \u010cesk\u00e1 asociace poji\u0161\u0165oven od roku 2012 provozuje Syst\u00e9m pro v\u00fdm\u011bnu informac\u00ed o podez\u0159el\u00fdch okolnostech (SVIPO II). D\u016fle\u017eitou strategi\u00ed v\u00a0boji proti pojistn\u00e9mu podvodu je tak\u00e9 \u00fazk\u00e1 vz\u00e1jemn\u00e1 spolupr\u00e1ce poji\u0161\u0165oven jak mezi s\u00a0sebou, tak s polici\u00ed. Odhalov\u00e1n\u00edm pojistn\u00fdch podvod\u016f poji\u0161\u0165ovna chr\u00e1n\u00ed z\u00e1jmy v\u0161ech sv\u00fdch klient\u016f.<\/p>\n<p><em>\u00a0<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Za rok 2022 pro\u0161et\u0159ovali specialist\u00e9 \u010cesk\u00e9 podnikatelsk\u00e9 poji\u0161\u0165ovny (d\u00e1le jen \u201e\u010cPP\u201c) t\u00e9m\u011b\u0159 1 100 p\u0159\u00edpad\u016f s podez\u0159en\u00edm na podvodn\u00e9 jedn\u00e1n\u00ed. Uchr\u00e1n\u011bn\u00e1 hodnota z uzav\u0159en\u00fdch p\u0159\u00edpad\u016f <a class=\"mh-excerpt-more\" href=\"https:\/\/www.czechbankingnews.cz\/?p=781\" title=\"\u010cPP uchr\u00e1nila p\u0159ed podvody t\u00e9m\u011b\u0159 90 milion\u016f\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":782,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-781","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\/781","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=781"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/781\/revisions"}],"predecessor-version":[{"id":786,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/781\/revisions\/786"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/782"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=781"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=781"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=781"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}