{"id":915,"date":"2023-02-13T09:10:40","date_gmt":"2023-02-13T09:10:40","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=915"},"modified":"2023-02-13T15:45:44","modified_gmt":"2023-02-13T15:45:44","slug":"cap-pojistovny-loni-odhalily-podvody-za-1423-miliardy","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=915","title":{"rendered":"\u010cAP loni odhalila podvody za 1,4 miliardy"},"content":{"rendered":"

Poji\u0161\u0165ovny sdru\u017een\u00e9 v \u010cesk\u00e9 asociaci poji\u0161\u0165oven (\u010cAP) prov\u011b\u0159ily v roce 2022 celkem 13 820 podez\u0159el\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed (meziro\u010dn\u011b o 21 % v\u00edce), ve kter\u00fdch odhalily pojistn\u00e9 podvody v celkov\u00e9 hodnot\u011b 1,423 mld. K\u010d (meziro\u010dn\u00ed r\u016fst o 173 mil. K\u010d, resp. o 14 %). <\/strong><\/p>\n

Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e odhalen\u00e9ho pojistn\u00e9ho podvodu dosahuje 231 tis\u00edc K\u010d.<\/p>\n

\u00a0<\/strong>Objem odhalen\u00e9 v\u00fd\u0161e pojistn\u00fdch podvod\u016f se do roku 2015 zdvojn\u00e1sobil a n\u00e1sledn\u011b stabilizoval. Nam\u00edsto odhalen\u00fdch 624 mil. K\u010d za rok 2010 poji\u0161\u0165ovny d\u00edky st\u00e1le sofistikovan\u011bj\u0161\u00edm postup\u016fm odhal\u00ed ro\u010dn\u011b pojistn\u00e9 podvody v\u00a0posledn\u00edch sedmi letech za 1,1 mld. K\u010d a\u017e 1,4 mld. K\u010d. Po d\u00edl\u010d\u00edm poklesu mezi l\u00e9ty 2018 a 2019 plat\u00ed, \u017ee od roku 2019 objem odhalen\u00fdch podvod\u016f v\u017edy stabiln\u011b meziro\u010dn\u011b roste.<\/p>\n

Podvody v\u00a0oblasti poji\u0161t\u011bn\u00ed vozidel a osob klesaj\u00ed d\u00edky posiluj\u00edc\u00ed prevenci <\/strong><\/p>\n

V oblasti poji\u0161t\u011bn\u00ed majetku a odpov\u011bdnosti vych\u00e1zel v p\u0159edchoz\u00edch letech po\u010det \u0161et\u0159en\u00fdch p\u0159\u00edpad\u016f stabiln\u011b kolem 2 500 p\u0159\u00edpad\u016f ro\u010dn\u011b, nicm\u00e9n\u011b v roce 2020 narostl t\u00e9m\u011b\u0159 na 3000 p\u0159\u00edpad\u016f a k dal\u0161\u00ed eskalaci na 3 600 p\u0159\u00edpad\u016f do\u0161lo v roce 2021. V\u00a0roce 2022 do\u0161lo k\u00a0dal\u0161\u00edmu n\u00e1r\u016fstu a\u017e t\u00e9m\u011b\u0159 na 4 tis\u00edce p\u0159\u00edpad\u016f. Podobn\u011b je to i u poji\u0161t\u011bn\u00ed vozidel, kde poji\u0161\u0165ovny v letech 2018 a 2019 prov\u011b\u0159ovaly cca 4 000 p\u0159\u00edpad\u016f, do\u0161lo v roce 2020 k r\u016fstu prov\u011b\u0159en\u00fdch kauz t\u00e9m\u011b\u0159 na 4 700 a dal\u0161\u00ed v\u00fdznamn\u00fd r\u016fst na hodnotu p\u0159es 5 700 prov\u011b\u0159en\u00fdch p\u0159\u00edpad\u016f nastal v\u00a0roce 2021 a v\u00a0roce 2022 do\u0161lo k\u00a0dal\u0161\u00edmu r\u016fstu na cca 6\u00a0600 prov\u011b\u0159en\u00fdch podez\u0159el\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed.<\/p>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n
V\u0161echny \u0161et\u0159en\u00e9 p\u0159\u00edpady pojistn\u00fdch podvod\u016f ve specifikovan\u00fdch oborech poji\u0161t\u011bn\u00ed \u2013 2022<\/strong><\/td>\n\u00a0<\/strong><\/td>\n<\/tr>\n
Obor poji\u0161t\u011bn\u00ed<\/td>\nPo\u010det p\u0159\u00edpad\u016f<\/td>\nrozd\u011blen\u00ed<\/td>\nV\u00fd\u0161e prok\u00e1zan\u00e9 hodnoty<\/td>\nmeziro\u010dn\u00ed<\/td>\n<\/tr>\n
<\/td>\n\u00a0(v ks)<\/td>\n<\/td>\n\u00a0(v tis. K\u010d)<\/td>\nzm\u011bna<\/td>\n<\/tr>\n
Poji\u0161t\u011bn\u00ed vozidel<\/strong><\/td>\n6 605<\/td>\n48 %<\/td>\n434 398<\/td>\n156 %<\/strong><\/td>\n<\/tr>\n
Poji\u0161t\u011bn\u00ed majetku<\/strong><\/td>\n2 560<\/td>\n19 %<\/td>\n495 203<\/td>\n81 %<\/strong><\/td>\n<\/tr>\n
Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/strong><\/td>\n1 427<\/td>\n10 %<\/td>\n292 341<\/td>\n129 %<\/strong><\/td>\n<\/tr>\n
Poji\u0161t\u011bn\u00ed osob<\/strong><\/td>\n3 228<\/td>\n23 %<\/td>\n200 715<\/td>\n154 %<\/strong><\/td>\n<\/tr>\n
Celkem<\/strong><\/td>\n13 820<\/strong><\/td>\n100 %<\/strong><\/td>\n1 422 657<\/strong><\/td>\n114 %<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u201eNadpolovi\u010dn\u00ed \u010d\u00e1st (55 %) z celkov\u00e9 prok\u00e1zan\u00e9 \u010d\u00e1stky pojistn\u00e9ho podvodu p\u0159ipad\u00e1 v\u00a0roce 2022 na odv\u011btv\u00ed poji\u0161t\u011bn\u00ed majetku a odpov\u011bdnosti, kde pojistitel\u00e9 uchr\u00e1nili 788 mil. K\u010d (v roce 2021 se jednalo o 840 mil. K\u010d). D\u00e1le 31 % cel\u00e9ho objemu p\u0159ipad\u00e1 na poji\u0161t\u011bn\u00ed vozidel (jedn\u00e1 se o 434 mil. K\u010d odhalen\u00fdch podvod\u016f v roce 2022, p\u0159i\u010dem\u017e v roce 2021 se jednalo pouze o 279 mil. K\u010d). Zbyl\u00fdch 14 % celkov\u00e9 \u010d\u00e1stky odhalen\u00fdch pojistn\u00fdch podvod\u016f nast\u00e1v\u00e1 v poji\u0161t\u011bn\u00ed osob, kde se jedn\u00e1 o 200 mil. K\u010d, co\u017e proti roku 2021 se 130 mil. K\u010d p\u0159edstavuje v\u00fdznamn\u00fd n\u00e1r\u016fst),\u201c <\/em>uv\u00e1d\u00ed hlavn\u00ed analytik \u010cAP Petr Jedli\u010dka.<\/em><\/p>\n

A dod\u00e1v\u00e1: \u201eObjem odhalen\u00fdch pojistn\u00fdch podvod\u016f tak narostl v\u00a0poji\u0161t\u011bn\u00ed osob i poji\u0161t\u011bn\u00ed vozidel, shodou okolnost\u00ed v\u00a0obou segmentech meziro\u010dn\u011b cca o 55 %. V\u00a0p\u0159\u00edpad\u011b poji\u0161t\u011bn\u00ed majetku a odpov\u011bdnosti p\u0159es pokra\u010duj\u00edc\u00ed n\u00e1r\u016fst prov\u011b\u0159ovan\u00fdch a odhalen\u00fdch pojistn\u00fdch podvod\u016f do\u0161lo k\u00a0poklesu celkov\u00e9ho odhalen\u00e9ho objemu, s\u00a0\u010d\u00edm\u017e souvis\u00ed pokles pr\u016fm\u011brn\u00e9 v\u00fd\u0161e jednoho prok\u00e1zan\u00e9ho p\u0159\u00edpadu z\u00a0493 tis K\u010d v\u00a0roce 2021 na 391 tis. K\u010d v\u00a0roce 2022. V\u00a0p\u0159\u00edpad\u011b poji\u0161t\u011bn\u00ed vozidel doch\u00e1z\u00ed k\u00a0meziro\u010dn\u00edmu n\u00e1r\u016fstu pr\u016fm\u011brn\u00e9 v\u00fd\u0161e odhalen\u00e9ho pojistn\u00e9ho podvodu o vysok\u00fdch 32 % ze 116 tis. K\u010d na 153 tis. K\u010d, kdy\u017e meziro\u010dn\u011b poji\u0161\u0165ovny dok\u00e1zaly nav\u00fd\u0161it po\u010det odhalen\u00fdch podvod\u016f z\u00a02401 na 2833, tj. o 18 % a jejich objem se nav\u00fd\u0161il dokonce o 56 % z\u00a0279 mil. K\u010d na 434 mil. K\u010d.\u201c<\/em><\/p>\n

Rostouc\u00ed po\u010det i objem odhalen\u00fdch p\u0159\u00edpad\u016f v\u00a0kl\u00ed\u010dov\u00fdch segmentech poji\u0161t\u011bn\u00ed ukazuje, \u017ee pojistitel\u00e9 disponuj\u00ed vhodn\u00fdmi n\u00e1stroji k\u00a0efektivn\u00edmu odhalov\u00e1n\u00ed podez\u0159el\u00fdch okolnost\u00ed, ke kter\u00fdm d\u00e1le p\u0159isp\u00edv\u00e1 rozvoj souvisej\u00edc\u00ed datov\u00e9 v\u00fdm\u011bny mezi poji\u0161\u0165ovnami t\u00fdkaj\u00edc\u00ed se pr\u00e1v\u011b oblasti poji\u0161t\u011bn\u00ed vozidel a poji\u0161t\u011bn\u00ed osob.<\/p>\n

V\u00fdsledky roku 2022 tak nijak neukazuj\u00ed, \u017ee by po\u010det \u0161et\u0159en\u00fdch odhalen\u00fdch podvod\u016f jakkoli klesal, trend je sp\u00ed\u0161e opa\u010dn\u00fd a riziko pro dal\u0161\u00ed n\u00e1r\u016fst p\u0159edstavuje zhor\u0161en\u00e1 ekonomick\u00e1 situace do budoucna.<\/p>\n

\u010cAP pom\u00e1h\u00e1 poji\u0161\u0165ovn\u00e1m v odhalov\u00e1n\u00ed pojistn\u00e9ho podvodu<\/strong><\/p>\n

\u010cesk\u00e1 asociace poji\u0161\u0165oven a poji\u0161\u0165ovny vyv\u00edjej\u00ed maxim\u00e1ln\u00ed \u00fasil\u00ed v\u00a0oblasti odhalov\u00e1n\u00ed pojistn\u00fdch podvod\u016f, v\u010detn\u011b v\u00fdvoje a neust\u00e1l\u00e9ho zdokonalov\u00e1n\u00ed syst\u00e9m\u016f a n\u00e1stroj\u016f ur\u010den\u00fdch pro detekci, prevenci a odhalov\u00e1n\u00ed tohoto \u00fa\u010delov\u00e9ho a protipr\u00e1vn\u00edho jedn\u00e1n\u00ed. \u201eAsociace za t\u00edmto \u00fa\u010delem vyvinula, provozuje a d\u00e1le rozv\u00edj\u00ed syst\u00e9my pro automatizovanou v\u00fdm\u011bnu informac\u00ed o podez\u0159el\u00fdch okolnostech (SVIPO I a SVIPO II), do kter\u00fdch se zapojila v\u011bt\u0161ina komer\u010dn\u00edch poji\u0161\u0165oven p\u016fsob\u00edc\u00ed na \u010desk\u00e9m pojistn\u00e9m trhu bez ohledu na jejich \u010dlenstv\u00ed v\u00a0asociaci,\u201c <\/em>vysv\u011btluje Michal Vlk, odborn\u00edk oblasti prevence pojistn\u00e9ho podvodu \u010cesk\u00e9 asociace poji\u0161\u0165oven.<\/p>\n

Syst\u00e9m SVIPO II je automatizovan\u00fd informa\u010dn\u00ed syst\u00e9m poskytuj\u00edc\u00ed poji\u0161\u0165ovn\u00e1m podporu v boji proti pojistn\u00e9mu podvodu v oblasti poji\u0161t\u011bn\u00ed osob, konkr\u00e9tn\u011b \u017eivotn\u00edho a \u00farazov\u00e9ho poji\u0161t\u011bn\u00ed. Tento syst\u00e9m zaji\u0161\u0165uje podporu jak v rovin\u011b preven\u010dn\u00ed, tak v rovin\u011b detek\u010dn\u00ed a navazuje na syst\u00e9m SVIPO I.<\/p>\n

Ten pro zm\u011bnu slou\u017e\u00ed pro detekci podez\u0159el\u00fdch jev\u016f v oblasti motorov\u00fdch vozidel, kde dok\u00e1\u017ee upozornit na podez\u0159el\u00e9 pojistn\u00e9 ud\u00e1losti, u nich\u017e se vyskytuje vysok\u00e9 procento pravd\u011bpodobnosti, \u017ee by se mohlo jednat o \u00fa\u010delov\u00e9 nebo protipr\u00e1vn\u00ed jedn\u00e1n\u00ed.<\/p>\n

\u00a0<\/strong>Pojistn\u00fd podvod je trestn\u00fdm \u010dinem u\u017e 20 let a hroz\u00ed za n\u011bj a\u017e 10 let v\u011bzen\u00ed<\/strong><\/p>\n

Pojistn\u00fd podvod je trestn\u00fdm \u010dinem nam\u00ed\u0159en\u00fdm proti majetku a do trestn\u00edho z\u00e1kona se dostal s \u00fa\u010dinnost\u00ed od 1. ledna 1998. Proveden\u00e1 novela tehdy vysly\u0161ela vol\u00e1n\u00ed pojistitel\u016f po d\u016fsledn\u011bj\u0161\u00ed mo\u017enosti postihu pojistn\u00fdch podvod\u016f, kter\u00e1 by odpov\u00eddala b\u011b\u017en\u00e9 trestn\u00ed praxi ve st\u00e1tech Evropsk\u00e9 unie, kde ji\u017e byl poji\u0161\u0165ovac\u00ed podvod p\u0159edm\u011btem p\u0159\u00edsn\u00e9ho trestn\u00edho postihu. Legislativn\u00ed \u00faprava z\u00e1rove\u0148 reagovala na negativn\u00ed trendy ve v\u00fdvoji kriminality, vzr\u016fstaj\u00edc\u00ed vysokou odbornost pachatel\u016f a sou\u010dasn\u011b na aplika\u010dn\u00ed probl\u00e9my.<\/p>\n

\u201ePoji\u0161\u0165ovny jsou d\u00edky vz\u00e1jemn\u00e9 spolupr\u00e1ci, v\u00fdm\u011bn\u011b informac\u00ed a tak\u00e9 sofistikovan\u00fdm n\u00e1stroj\u016fm schopny velice efektivn\u011b pojistn\u00e9 podvody odhalovat. Je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee ka\u017ed\u00e1 poji\u0161\u0165ovna se v\u00a0r\u00e1mci p\u00e9\u010de \u0159\u00e1dn\u00e9ho hospod\u00e1\u0159e sna\u017e\u00ed zajistit, aby se finan\u010dn\u00ed prost\u0159edky nedostaly do rukou podvodn\u00edk\u016fm, ale poctiv\u00fdm klient\u016fm,\u201c<\/em> \u0159\u00edk\u00e1 Michal Vlk.<\/p>\n

Pojistn\u00e9ho podvodu se dopust\u00ed ten, kdo v\u00a0souvislosti s\u00a0uzav\u00edr\u00e1n\u00edm nebo zm\u011bnou pojistn\u00e9 smlouvy uvede nepravdiv\u00e9 nebo hrub\u011b zkreslen\u00e9 informace nebo podstatn\u00e9 \u00fadaje zaml\u010d\u00ed, rovn\u011b\u017e tak v\u00a0souvislosti s\u00a0likvidac\u00ed pojistn\u00e9 ud\u00e1losti, nebo p\u0159i uplatn\u011bn\u00ed pr\u00e1va na pln\u011bn\u00ed z\u00a0poji\u0161t\u011bn\u00ed nebo jin\u00e9 obdobn\u00e9 pln\u011bn\u00ed. Pojistn\u00fdm podvodem v\u0161ak je i \u00famysln\u011b vyvolan\u00e1 nebo p\u0159edst\u00edran\u00e1 pojistn\u00e1 ud\u00e1lost, s\u00a0n\u00ed\u017e je spojeno pr\u00e1vo na pln\u011bn\u00ed z poji\u0161t\u011bn\u00ed nebo jin\u00e9 obdobn\u00e9 pln\u011bn\u00ed, nebo stav vyvolan\u00fd pojistnou ud\u00e1lost\u00ed udr\u017euje, a zp\u016fsob\u00ed tak na ciz\u00edm majetku \u0161kodu nikoli nepatrnou. Za \u00fa\u010delov\u00e9 jedn\u00e1n\u00ed lze ozna\u010dit i takov\u00e9 jedn\u00e1n\u00ed, kter\u00e9 by vedlo k\u00a0\u00famysln\u00e9mu navy\u0161ov\u00e1n\u00ed vznikl\u00e9 \u0161kody.<\/p>\n

\u201eToto protipr\u00e1vn\u00ed jednan\u00ed m\u016f\u017ee b\u00fdt org\u00e1ny \u010dinn\u00fdmi v\u00a0trestn\u00edm \u0159\u00edzen\u00ed kvalifikov\u00e1no jako trestn\u00fd \u010din pojistn\u00e9ho podvodu, p\u0159\u00edpadn\u011b podvodu. za jeho\u017e sp\u00e1ch\u00e1n\u00ed mohou soudy ulo\u017eit trest odn\u011bt\u00ed svobody v\u00a0rozmez\u00ed od 2 a\u017e 10 let, nebo z\u00e1kaz \u010dinnosti, propadnut\u00ed v\u011bci anebo pen\u011b\u017eit\u00fd trest,\u201c<\/em> uzav\u00edr\u00e1 Michal Vlk.<\/p>\n

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

Poji\u0161\u0165ovny sdru\u017een\u00e9 v \u010cesk\u00e9 asociaci poji\u0161\u0165oven (\u010cAP) prov\u011b\u0159ily v roce 2022 celkem 13 820 podez\u0159el\u00fdch pojistn\u00fdch ud\u00e1lost\u00ed (meziro\u010dn\u011b o 21 % v\u00edce), ve kter\u00fdch odhalily […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":788,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-915","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-statistika"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/915","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=915"}],"version-history":[{"count":4,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/915\/revisions"}],"predecessor-version":[{"id":920,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/915\/revisions\/920"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/788"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=915"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=915"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=915"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}