Bude to ji\u017e 10 let, kdy Evropsk\u00e1 komise v \u010desk\u00e9m poji\u0161\u0165ovnictv\u00ed nastavila unisexov\u00fd sv\u011bt, kter\u00fd sjednotil sazby \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pro mu\u017ee a \u017eeny. I p\u0159es tento fakt poji\u0161\u0165ovny nad\u00e1le ve sv\u00fdch produktech s ur\u010dit\u00fdmi riziky pracuj\u00ed a zohled\u0148uj\u00ed je. O tom jsme hovo\u0159ili s Martinem Pod\u00e1vkou, vedouc\u00edm odd\u011blen\u00ed produktov\u00e9 inovace a podpory Allianz poji\u0161\u0165ovny.
\n
\n– Jak je tomu v Allianz poji\u0161\u0165ovn\u011b?<\/p>\n
V \u017eivotn\u00edm poji\u0161t\u011bn\u00ed se dosud pracovalo hlavn\u011b s v\u011bkem klienta a rizikovost\u00ed jeho povol\u00e1n\u00ed. Jako prvn\u00ed poji\u0161\u0165ovna v \u010cesku jsme se rozhodli ud\u011blat zm\u011bnu a cenov\u011b zv\u00fdhodnit klienty se zdrav\u00fdm \u017eivotn\u00edm stylem. P\u0159edb\u011bhli jsme tak nap\u0159\u00edklad i ve\u0159ejn\u00e9 zdravotn\u00ed poji\u0161t\u011bn\u00ed, kde se o bonifikaci lid\u00ed, kte\u0159\u00ed dbaj\u00ed o sv\u00e9 zdrav\u00ed, n\u011bkolik let pouze „mluv\u00ed“.<\/p>\n
– Kter\u00fdm klient\u016fm a o kolik sn\u00ed\u017e\u00edte cenu za poji\u0161t\u011bn\u00ed?<\/p>\n
Asi nikoho nep\u0159ekvap\u00ed, \u017ee nejv\u011bt\u0161\u00ed slevu z\u00edskaj\u00ed neku\u0159\u00e1ci. P\u0159esto\u017ee nap\u0159\u00edklad ne v\u0161ichni politici jdou „p\u0159\u00edkladem“, statistika je ne\u00faprosn\u00e1. Nap\u0159\u00edklad pravd\u011bpodobnost rakoviny nebo kardiovaskul\u00e1rn\u00edch chorob je mnohon\u00e1sobn\u011b vy\u0161\u0161\u00ed u ku\u0159\u00e1k\u016f ne\u017e neku\u0159\u00e1k\u016f. Z\u00e1rove\u0148 jde o krit\u00e9rium, kter\u00e9 ka\u017ed\u00fd m\u016f\u017ee svobodn\u011b ovlivnit a nen\u00ed nijak d\u00e1no jeho genetick\u00fdmi p\u0159edpoklady. Dal\u0161\u00ed slevu z\u00edskaj\u00ed ti klienti, kte\u0159\u00ed maj\u00ed „sv\u00e1 kila pod kontrolou“. Znal\u00e9 asi nep\u0159ekvap\u00ed, \u017ee nejv\u00fdhodn\u011bj\u0161\u00ed cenu z\u00edskaj\u00ed lid\u00e9 s BMI (Body Mass Index) mezi 20 a 25. A t\u0159et\u00edm d\u016fvodem k ni\u017e\u0161\u00ed cen\u011b je \u00fa\u010dast na pravideln\u00e9m preventivn\u00edm onkologick\u00e9m screeningu. Jednotliv\u00e9 faktory se kumuluj\u00ed, a tak nejlep\u0161\u00ed cenu z\u00edsk\u00e1 neku\u0159\u00e1k s dobrou v\u00e1hou, kter\u00fd se \u00fa\u010dastn\u00ed screeningu. V\u00fdsledn\u00e1 cena poji\u0161t\u011bn\u00ed m\u016f\u017ee b\u00fdt ni\u017e\u0161\u00ed a\u017e o \u010dtvrtinu, a to je ji\u017e v\u00fdznamn\u00e1 \u00faspora.<\/p>\n
– \u0158\u00edk\u00e1 se, \u017ee kvalitu poji\u0161t\u011bn\u00ed \u010dlov\u011bk pozn\u00e1 a\u017e p\u0159i pojistn\u00e9 ud\u00e1losti dle v\u00fd\u0161e vyplacen\u00fdch pen\u011bz. Je to pravda?<\/p>\n
Ano, tak\u00e9 se \u0159\u00edk\u00e1, \u017ee nen\u00ed klient, kter\u00fd by si p\u0159i pojistn\u00e9 ud\u00e1losti ne\u0159ekl, \u017ee se m\u011bl pojistit l\u00e9pe a na vy\u0161\u0161\u00ed \u010d\u00e1stku. Abychom klient\u016fm usnadnili v\u00fdb\u011br toho spr\u00e1vn\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, zavedli jsme garanci nejvy\u0161\u0161\u00edho pln\u011bn\u00ed u denn\u00edho od\u0161kodn\u00e9ho v p\u0159\u00edpad\u011b \u00farazu. Syst\u00e9m fungov\u00e1n\u00ed je zcela jednoduch\u00fd: n\u011bkolikr\u00e1t ro\u010dn\u011b zkoum\u00e1me, kolik za z\u00e1va\u017en\u011bj\u0161\u00ed \u00farazy (s dobou l\u00e9\u010den\u00ed nad t\u0159i m\u011bs\u00edce) plat\u00ed sv\u00fdm klient\u016fm p\u011btice nejv\u011bt\u0161\u00edch poji\u0161\u0165oven ve srovnateln\u00e9m produktu. A pokud bychom zjistili, \u017ee jejich pln\u011bn\u00ed je vy\u0161\u0161\u00ed, nav\u00fd\u0161\u00edme vyplacen\u00e9 pen\u00edze i na\u0161im klient\u016fm na tuto \u00farove\u0148. Klienti tak nemus\u00ed studovat slo\u017eit\u00e9 a dlouh\u00e9 oce\u0148ovac\u00ed tabulky, kter\u00fdm rozum\u00ed v\u011bt\u0161inou jen l\u00e9ka\u0159i. V\u0161e srovn\u00e1me za n\u011b a oni maj\u00ed jistotu, \u017ee p\u0159i v\u00e1\u017en\u00e9m \u00farazu je pojistn\u00e9 pln\u011bn\u00ed dostate\u010dn\u011b vysok\u00e9.<\/p>\n
– Odborn\u00edci tvrd\u00ed, \u017ee podce\u0148ovan\u00fdm rizikem je invalidita. P\u0159itom pokles p\u0159\u00edjm\u016f v d\u016fsledku t\u00e9to pracovn\u00ed neschopnosti m\u016f\u017ee b\u00fdt pro klienta n\u011bkolik milion\u016f. Existuje pro klienty n\u011bjak\u00e9 \u0159e\u0161en\u00ed?<\/p>\n
Ano, a podle mne jedno z finan\u010dn\u011b nejlep\u0161\u00edch. V\u011bt\u0161inou na trhu naleznete poji\u0161t\u011bn\u00ed, kter\u00e9 v p\u0159\u00edpad\u011b invalidity jednor\u00e1zov\u011b vyplat\u00ed sjednanou pojistnou \u010d\u00e1stku. Tento typ tak\u00e9 nab\u00edz\u00edme, ale mnohem d\u016fle\u017eit\u011bj\u0161\u00ed je zkombinovat jej s v\u00fdplatou ve form\u011b d\u016fchodu. Po\u010d\u00edtejte se mnou. Pokud si klient ve v\u011bku 30 let sjedn\u00e1 m\u011bs\u00ed\u010dn\u00ed invalidn\u00ed d\u016fchod 5000 K\u010d a dojde k pojistn\u00e9 ud\u00e1losti, budeme mu nejen vypl\u00e1cet sjednanou rentu, ale nav\u00edc ka\u017ed\u00fd rok d\u016fchod automaticky nav\u00fd\u0161\u00edme. Celkem tak klient do v\u011bku 65 let dostane od Allianz vyplaceno 3 171 000 K\u010d. Jako vhodn\u00e9 dopln\u011bn\u00ed poji\u0161t\u011bn\u00ed invalidity nab\u00edz\u00edme poji\u0161t\u011bn\u00ed dlouhodob\u00e9 p\u00e9\u010de. P\u0159i sjedn\u00e1n\u00ed t\u00e9to ochrany pokra\u010duje p\u0159i bezmocnosti klienta v\u00fdplata d\u016fchodu do\u017eivotn\u011b.<\/p>\n
Den\u00edk<\/p>\n","protected":false},"excerpt":{"rendered":"
Bude to ji\u017e 10 let, kdy Evropsk\u00e1 komise v \u010desk\u00e9m poji\u0161\u0165ovnictv\u00ed nastavila unisexov\u00fd sv\u011bt, kter\u00fd sjednotil sazby \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pro mu\u017ee a \u017eeny. I p\u0159es […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":35592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-12614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rozhovory"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/12614","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=12614"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/12614\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/35592"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=12614"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=12614"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=12614"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}