{"id":898,"date":"2023-02-09T10:06:26","date_gmt":"2023-02-09T10:06:26","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=898"},"modified":"2023-02-09T10:06:26","modified_gmt":"2023-02-09T10:06:26","slug":"uniqa-eviduje-prudky-narust-pojistnych-podvodu","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=898","title":{"rendered":"UNIQA eviduje prudk\u00fd n\u00e1r\u016fst pojistn\u00fdch podvod\u016f"},"content":{"rendered":"

P\u0159\u00edpad\u016f s\u00a0prok\u00e1zan\u00fdm \u00fa\u010delov\u00fdm jedn\u00e1n\u00edm bylo ve sledovan\u00e9m obdob\u00ed ukon\u010deno 721 a celkov\u011b se cht\u011bli klienti neopr\u00e1vn\u011bn\u011b obohatit o \u010d\u00e1stku bezm\u00e1la 40 milion\u016f korun.<\/strong> Celkov\u00e1 uchr\u00e1n\u011bn\u00e1 \u010d\u00e1stka UNIQA z\u016fstala v\u00a0\u010cR meziro\u010dn\u011b prakticky stabiln\u00ed.<\/strong><\/p>\n

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UNIQA poji\u0161\u0165ovna v\u00a0lo\u0148sk\u00e9m roce detekovala 1466 sporn\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed. Jedn\u00e1 se oproti lo\u0148sk\u00e9mu roku o n\u00e1r\u016fst o 66 %. \u201eToto p\u0159i\u010d\u00edt\u00e1me mixu negativn\u00edch ekonomick\u00fdch vliv\u016f u n\u00e1s. Je zde evidentn\u00ed snaha vylep\u0161ovat si svou finan\u010dn\u00ed situaci na \u00fakor poji\u0161\u0165oven. Je to vid\u011bt i na tom, \u017ee pr\u016fm\u011brn\u00e1 \u010d\u00e1stka u sporn\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed se u\u017e druh\u00fdm rokem sni\u017euje. N\u011bkte\u0159\u00ed jinak bez\u00fahonn\u00ed ob\u010dan\u00e9 vn\u00edmaj\u00ed v\u00a0p\u0159etrv\u00e1vaj\u00edc\u00edch hor\u0161\u00edc\u00edch se podm\u00ednk\u00e1ch pojistn\u00fd podvod jako p\u0159\u00edle\u017eitost, jak si vylep\u0161it svoji situaci. Ukazuje se, \u017ee v\u00a0sou\u010dasn\u00e9 situaci i men\u0161\u00ed \u010d\u00e1stka je dostate\u010dn\u011b atraktivn\u00ed i p\u0159es potenci\u00e1ln\u00ed konfrontaci se z\u00e1konem. Vzhledem k\u00a0ekonomick\u00fdm vyhl\u00eddk\u00e1m a projekci inflace b\u011bhem roku 2023 p\u0159edpokl\u00e1d\u00e1me zachov\u00e1n\u00ed trendu i letos. Pro \u00fatvar \u0161et\u0159en\u00ed nestandardn\u00edch \u0161kod UNIQA to znamen\u00e1 vy\u0161\u0161\u00ed objem pr\u00e1ce na \u0159ad\u011b drobn\u011bj\u0161\u00edch kauz,\u201c<\/em> komentovala v\u00fdsledek Ivana Glombov\u00e1, Fraud Manager UNIQA.<\/p>\n

Nejv\u00edce nov\u00fdch sporn\u00fdch p\u0159\u00edpad\u016f registruje UNIQA za rok 2022 v\u00a0oblasti autopoji\u0161t\u011bn\u00ed, a to jak u povinn\u00e9ho ru\u010den\u00ed, tak u havarijn\u00edho poji\u0161t\u011bn\u00ed (spole\u010dn\u011b dr\u017eely tyto obory nad\u00e1le nadpolovi\u010dn\u00ed pod\u00edl z\u00a0celkov\u00e9ho po\u010dtu kauz).<\/p>\n

Velmi \u010dast\u00fdmi p\u0159\u00edpady podvodu motorist\u016f jsou fingovan\u00e9 nebo i dohodnut\u00e9 nehody, kter\u00e9 maj\u00ed \u201epokr\u00fdt\u201c p\u0159edchoz\u00ed \u0161kody vznikl\u00e9 jinde a jinak. Jako nap\u0159\u00edklad ud\u00e1lost, kdy klienti v\u00a0noci simulovali st\u0159et dod\u00e1vky s\u00a0osobn\u00edm autem, kter\u00e1 byla po\u0161kozena ji\u017e d\u0159\u00edve. Nev\u0161imli si v\u0161ak, \u017ee celou sc\u00e9nu nahr\u00e1v\u00e1 kamera u vedlej\u0161\u00edho objektu, co\u017e velmi uleh\u010dilo pr\u00e1ci Policii \u010cR i vy\u0161et\u0159ovatel\u016fm poji\u0161\u0165ovny.<\/p>\n

Pokra\u010duje tak\u00e9 fenom\u00e9n frekventovan\u011bj\u0161\u00edch pokus\u016f z\u00a0poji\u0161t\u011bn\u00ed osob. <\/strong>\u010cast\u011bji se zde vyskytla situace, kdy se klienti sna\u017eili vyt\u011b\u017eit z\u00a0\u00farazov\u00e9ho poji\u0161t\u011bn\u00ed pln\u011bn\u00ed z\u00e1hy po uzav\u0159en\u00ed smlouvy, co\u017e vzbuzovalo podez\u0159en\u00ed z\u00a0\u00fa\u010delov\u00e9ho sjedn\u00e1n\u00ed. D\u016fkladn\u00e9 \u0161et\u0159en\u00ed UNIQA poji\u0161\u0165ovny opakovan\u011b odhalilo, \u017ee obt\u00ed\u017ee sm\u011b\u0159uj\u00edc\u00ed k\u00a0nezbytn\u00e9 l\u00e9\u010db\u011b \u010di operaci m\u011bli klienti u\u017e p\u0159ed sjedn\u00e1n\u00edm poji\u0161t\u011bn\u00ed.<\/p>\n

N\u011bkter\u00e9 p\u0159\u00edpady nesou prvky organizovan\u00e9 krimin\u00e1ln\u00ed aktivity. Ve spolupr\u00e1ci s\u00a0Polici\u00ed \u010cR se UNIQA poda\u0159ilo loni odhalit pokus, kdy pachatel uzav\u00edral \u00fa\u010delov\u011b kr\u00e1tkodob\u00e1 \u00farazov\u00e1 poji\u0161t\u011bn\u00ed na fiktivn\u00ed osoby, a n\u00e1sledn\u011b uplat\u0148oval vymy\u0161len\u00e9 \u00farazy p\u0159i rekrea\u010dn\u00edm sportu, kter\u00e9 dokl\u00e1dal fale\u0161n\u00fdmi l\u00e9ka\u0159sk\u00fdmi zpr\u00e1vami. Zaznamen\u00e1ny byly vy\u0161\u0161\u00ed des\u00edtky takov\u00fdch ud\u00e1lost\u00ed. Uchr\u00e1n\u011bn\u00e1 hodnota p\u0159esahovala 800\u00a0000 korun.<\/p>\n

Nejv\u011bt\u0161\u00ed dynamiku po\u010dtu nov\u011b \u0161et\u0159en\u00fdch p\u0159\u00edpad\u016f vyk\u00e1zalo v\u00a0roce 2022 poji\u0161t\u011bn\u00ed majetku<\/strong> (bezm\u00e1la \u010dty\u0159n\u00e1sobn\u00fd n\u00e1r\u016fst); incidence stoupla i v\u00a0poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong> (+23 %). Prok\u00e1zan\u00e1 hodnota neopr\u00e1vn\u011bn\u00fdch n\u00e1rok\u016f v\u00a0poji\u0161t\u011bn\u00ed majetku UNIQA \u010dinila loni v\u00edce ne\u017e 10 milion\u016f korun.<\/p>\n

Nap\u0159\u00edklad loni UNIQA \u0159e\u0161ila uplatn\u011bn\u00ed \u0161kody z poji\u0161t\u011bn\u00ed odpov\u011bdnosti u stavby. Po\u0161kozena byla dla\u017eba v\u00a0celkov\u00e9 hodnot\u011b 850\u00a0000 korun. \u0160et\u0159en\u00edm bylo zji\u0161t\u011bno, \u017ee ke zni\u010den\u00ed nedo\u0161lo nahodilou ud\u00e1lost\u00ed, jak bylo UNIQA poji\u0161\u0165ovn\u011b p\u0159edkl\u00e1d\u00e1no, n\u00fdbr\u017e nekvalitn\u011b provedenou prac\u00ed. Tu tak\u00e9 u zhotovitele opakovan\u011b reklamoval stavebn\u00edk. Uveden\u00edm nepravdiv\u00fdch okolnost\u00ed ohledn\u011b vzniku \u0161kody se stavitel sna\u017eil z\u00edskat prost\u0159edky na odstran\u011bn\u00ed \u0161kody.<\/p>\n

Slovensk\u00e1 republika<\/h4>\n

Slovensk\u00e1 UNIQA detekovala za lo\u0148sk\u00fd rok celkem 563 sporn\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed. V\u00a0porovn\u00e1n\u00ed s\u00a0rokem 2021 zaznamenala pokles \u0161et\u0159en\u00fdch p\u0159\u00edpad\u016f v\u00a0povinn\u00e9m ru\u010den\u00ed, havarijn\u00edm poji\u0161t\u011bn\u00ed a v\u00a0poji\u0161t\u011bn\u00ed osob. Naopak stoupla aktivita pachatel\u016f v\u00a0poji\u0161t\u011bn\u00ed majetku a odpov\u011bdnosti.<\/p>\n

\u0160et\u0159en\u00ed s\u00a0prok\u00e1z\u00e1n\u00edm podvodn\u00fdch aktivit bylo ve sledovan\u00e9m obdob\u00ed ukon\u010deno u 220 p\u0159\u00edpad\u016f. Celkov\u011b se cht\u011bli nepoctivci obohatit o \u010d\u00e1stku 1,051 milionu EUR (26,3 milionu korun), kter\u00e9 UNIQA odhalen\u00edm u\u0161et\u0159ila (meziro\u010dn\u011b + 31 %).<\/strong> Nav\u00fd\u0161en\u00ed lze p\u0159ipsat z\u00a0velk\u00e9 \u010d\u00e1sti podobn\u00fdm d\u016fvod\u016fm jako v\u00a0\u010cR.<\/p>\n

Nejv\u011bt\u0161\u00ed pod\u00edl problematick\u00fdch p\u0159\u00edpad\u016f registruje i slovensk\u00e1 UNIQA v\u00a0povinn\u00e9m ru\u010den\u00ed<\/strong> a v\u00a0havarijn\u00edm poji\u0161t\u011bn\u00ed<\/strong>. Spole\u010dn\u011b se tato odv\u011btv\u00ed pod\u00edlela na celkov\u00e9m po\u010dtu nov\u011b \u0161et\u0159en\u00fdch pokus\u016f o podvod v\u00edce ne\u017e z\u00a0poloviny.<\/p>\n

Relativn\u011b z\u00e1sadn\u00ed p\u0159\u00edr\u016fstek uchr\u00e1n\u011bn\u00fdch hodnot u povinn\u00e9ho ru\u010den\u00ed souvis\u00ed se zam\u011b\u0159en\u00edm vy\u0161et\u0159ovatel\u016f na \u00fajmu na zdrav\u00ed p\u0159i dopravn\u00edch nehod\u00e1ch. V\u00a0havarijn\u00edm poji\u0161t\u011bn\u00ed se jedn\u00e1 zejm\u00e9na o um\u011ble nav\u00fd\u0161en\u00e9 plechov\u00e9 \u0161kody, nap\u0159\u00edklad soub\u011bh dvou nebo t\u0159\u00ed pojistn\u00fdch ud\u00e1lost\u00ed, kter\u00e9 se ale nestaly ve stejn\u00fd okam\u017eik, anebo prob\u011bhla ud\u00e1lost jinak.<\/p>\n

Jeden p\u0159\u00edklad ze Slovenska: klient ohl\u00e1sil po\u017e\u00e1r sportovn\u00edho vozidla jako tot\u00e1ln\u00ed \u0161kodu. Jako p\u0159\u00ed\u010dinu vzniku \u0161kody uvedl technickou z\u00e1vadu na vozidle. S\u00a0ohledem na podez\u0159el\u00fd rozsah a charakter po\u0161kozen\u00ed bylo zah\u00e1jeno \u0161et\u0159en\u00ed k\u00a0ur\u010den\u00ed skute\u010dn\u00e9 p\u0159\u00ed\u010diny vzniku \u0161kody. Ve spolupr\u00e1ci s\u00a0experty z\u00a0\u0159ad hasi\u010d\u016f bylo zji\u0161t\u011bno, \u017ee ohe\u0148 vznikl v\u00a0pr\u016fb\u011bhu automobilov\u00e9ho z\u00e1vodu, jen\u017e ale nebyl kryt\u00fd v\u00a0pojistn\u00e9 smlouv\u011b. Pojistn\u00e9 pln\u011bn\u00ed bylo proto odm\u00edtnuto a 32\u00a0000 EUR u\u0161et\u0159eno.<\/p>\n

Vedle poji\u0161t\u011bn\u00ed aut se koum\u00e1ci soust\u0159e\u010fuj\u00ed na Slovensku na\u00a0poji\u0161t\u011bn\u00ed majetku a odpov\u011bdnosti<\/strong>. Tato dv\u011b odv\u011btv\u00ed zaznamenala loni celkov\u00fd n\u00e1r\u016fst nov\u011b \u0159e\u0161en\u00fdch \u0161kod\u00a0o 25 %.<\/p>\n

V odv\u011btv\u00ed poji\u0161t\u011bn\u00ed osob<\/strong> se poda\u0159ilo uchr\u00e1nit p\u0159ed v\u00fdplatou klient\u016fm v\u00fdznamnou sumu\u00a0374 700 EUR.<\/p>\n

Za zm\u00ednku stoj\u00ed velmi smutn\u00fd p\u0159\u00edb\u011bh, kter\u00fd \u0159e\u0161ili vy\u0161et\u0159ovatel\u00e9 UNIQA loni z\u00a0p\u0159ipoji\u0161t\u011bn\u00ed velmi z\u00e1va\u017en\u00fdch onemocn\u011bn\u00ed. Slovensk\u00fd klient si sjednal pojistn\u00e9 kryt\u00ed pro diagn\u00f3zu a\u017e pot\u00e9, co se ji od l\u00e9ka\u0159e dozv\u011bd\u011bl. Pokusil se touto cestou z\u00edskat finan\u010dn\u00ed prost\u0159edky pro sebe a sv\u00e9 bl\u00edzk\u00e9. Vy\u0161et\u0159ovatel\u016fm se v\u0161ak nezd\u00e1la velmi bl\u00edzk\u00e1 \u010dasov\u00e1 n\u00e1vaznost uzav\u0159en\u00ed poji\u0161t\u011bn\u00ed a stanoven\u00ed diagn\u00f3zy. P\u0159i \u0161et\u0159en\u00ed byla zji\u0161t\u011bna re\u00e1ln\u00e1 \u010dasov\u00e1 souslednost ud\u00e1lost\u00ed a pojistn\u00e9 pln\u011bn\u00ed ve v\u00fd\u0161i asi 35\u00a0000 EUR odm\u00edtnuto.<\/p>\n

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\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

P\u0159\u00edpad\u016f s\u00a0prok\u00e1zan\u00fdm \u00fa\u010delov\u00fdm jedn\u00e1n\u00edm bylo ve sledovan\u00e9m obdob\u00ed ukon\u010deno 721 a celkov\u011b se cht\u011bli klienti neopr\u00e1vn\u011bn\u011b obohatit o \u010d\u00e1stku bezm\u00e1la 40 milion\u016f korun. Celkov\u00e1 uchr\u00e1n\u011bn\u00e1 […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":416,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-898","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\/898","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=898"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/898\/revisions"}],"predecessor-version":[{"id":899,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/898\/revisions\/899"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/416"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}