\u010cL\u00c1NOK POKRA\u010cUJE POD REKLAMOU<\/p>\n
Pois\u0165ov\u0148a UNIQA rie\u0161i mimoriadny pr\u00edpad podozriv\u00e9ho konania v oblasti prov\u00edzi\u00ed. Pod\u013ea spolo\u010dnosti mali by\u0165 uzatv\u00e1ran\u00e9 poistn\u00e9 zmluvy<\/a> sp\u00f4sobom, ktor\u00fd nezoh\u013ead\u0148oval potreby klientov, ale smeroval najm\u00e4 k maximaliz\u00e1cii prov\u00edznych v\u00fdnosov pre sprostredkovate\u013eov t\u00fdchto zml\u00fav. Celkov\u00e1 vzniknut\u00e1 \u0161koda mala presiahnu\u0165 jeden mili\u00f3n eur.<\/p>\n Pois\u0165ov\u0148a vo svojom stanovisku uviedla, \u017ee zistenia nasved\u010duj\u00fa mis-sellingu, teda predaju poistn\u00fdch produktov sp\u00f4sobom, ktor\u00fd nemusel zoh\u013ead\u0148ova\u0165 potreby klientov a mohol smerova\u0165 najm\u00e4 k maximaliz\u00e1cii prov\u00edznych v\u00fdnosov. Pr\u00edpad pod\u013ea nej nepo\u0161kodil iba samotn\u00fa spolo\u010dnos\u0165 prostredn\u00edctvom neopr\u00e1vnene vyplaten\u00fdch prov\u00edzi\u00ed, ale mohol sa dotkn\u00fa\u0165 aj klientov, ktor\u00ed uzatvorili nevhodn\u00e9 poistn\u00e9 zmluvy.\u00a0<\/p>\n UNIQA tvrd\u00ed, \u017ee mo\u017en\u00e9 pochybenie odhalila z vlastnej iniciat\u00edvy v r\u00e1mci intern\u00fdch kontroln\u00fdch a analytick\u00fdch mechanizmov. Pr\u00edpad n\u00e1sledne post\u00fapila pr\u00edslu\u0161n\u00fdm policajn\u00fdm org\u00e1nom. Ke\u010f\u017ee preverovanie pokra\u010duje, pois\u0165ov\u0148a zatia\u013e nezverej\u0148uje \u010fal\u0161ie detaily o tom, ak\u00fdch produktov, sprostredkovate\u013eov alebo klientov sa malo podozriv\u00e9 konanie t\u00fdka\u0165. Na situ\u00e1ciu pouk\u00e1zal aj port\u00e1l Finsider<\/a>.<\/p>\n UNIQA zistila podvod pri internej kontrole\u00a0<\/p>\n UNIQA uv\u00e1dza, \u017ee mo\u017en\u00e9 pochybenia nezistila na z\u00e1klade extern\u00e9ho podnetu, ale po\u010das vlastn\u00fdch analytick\u00fdch a kontroln\u00fdch procesov.<\/p>\n \u201eVzh\u013eadom na prebiehaj\u00face preverovanie pr\u00edpadu nem\u00f4\u017eeme v tejto f\u00e1ze poskytova\u0165 inform\u00e1cie nad r\u00e1mec stanoviska, ktor\u00e9 bolo zverejnen\u00e9. M\u00f4\u017eeme potvrdi\u0165, \u017ee mo\u017en\u00e9 pochybenie bolo identifikovan\u00e9 z vlastnej iniciat\u00edvy na\u0161ej spolo\u010dnosti v r\u00e1mci \u0161tandardn\u00fdch intern\u00fdch kontroln\u00fdch a analytick\u00fdch mechanizmov a bolo bezodkladne post\u00fapen\u00e9 na \u010fal\u0161ie preverenie pr\u00edslu\u0161n\u00fdm org\u00e1nom, s ktor\u00fdmi spolo\u010dnos\u0165 plne spolupracuje. <\/p>\n Vzh\u013eadom na tieto okolnosti sa k samotnej podstate, rozsahu ani \u010fal\u0161\u00edm okolnostiam pr\u00edpadu v s\u00fa\u010dasnosti nebudeme vyjadrova\u0165,\u201c uviedla pre Startitup hovorky\u0148a UNIQA Be\u00e1ta Lip\u0161icov\u00e1.<\/p>\n Pois\u0165ov\u0148a z\u00e1rove\u0148 vo svojom stanovisku uviedla, \u017ee zistenia nasved\u010duj\u00fa mis-sellingu, ktor\u00e9ho prim\u00e1rnym cie\u013eom mala by\u0165 maximaliz\u00e1cia prov\u00edznych v\u00fdnosov na \u00fakor klientov aj pois\u0165ovne. Zd\u00f4raz\u0148uje v\u0161ak, \u017ee pr\u00edpad je na\u010falej predmetom preverovania a definit\u00edvne z\u00e1very bud\u00fa na pr\u00edslu\u0161n\u00fdch org\u00e1noch.<\/p>\n \u010co je mis-selling?<\/p>\n Mis-selling je pod\u013ea EIOPA<\/a> nekal\u00e1 obchodn\u00e1 praktika, pri ktorej klient dostane finan\u010dn\u00fd produkt, ktor\u00fd nezodpoved\u00e1 jeho potreb\u00e1m alebo z\u00e1ujmom. V pois\u0165ovn\u00edctve m\u00f4\u017ee \u00eds\u0165 napr\u00edklad o situ\u00e1cie, ke\u010f finan\u010dn\u00fd sprostredkovate\u013e odporu\u010d\u00ed zlo\u017eitej\u0161\u00ed alebo drah\u0161\u00ed produkt predov\u0161etk\u00fdm preto, \u017ee mu prin\u00e1\u0161a vy\u0161\u0161iu prov\u00edziu, a nie preto, \u017ee je pre klienta najvhodnej\u0161\u00ed.<\/p>\n Pod\u013ea UNIQA mali by\u0165 v preverovanom pr\u00edpade uzatv\u00e1ran\u00e9 zmluvy bez dostato\u010dn\u00e9ho zoh\u013eadnenia potrieb klientov. Spolo\u010dnos\u0165 v\u0161ak vzh\u013eadom na prebiehaj\u00face konanie ne\u0161pecifikovala, o ak\u00e9 poistn\u00e9 produkty alebo konkr\u00e9tne obchodn\u00e9 postupy malo \u00eds\u0165. Nie je tie\u017e zn\u00e1me, \u010di sa podozrenie t\u00fdka internej obchodnej siete pois\u0165ovne alebo extern\u00fdch finan\u010dn\u00fdch sprostredkovate\u013eov, ktor\u00ed sprostredk\u00favaj\u00fa jej produkty.<\/p>\n Prov\u00edzie nesm\u00fa by\u0165 hlavn\u00fdm mot\u00edvom predaja<\/p>\n Pod\u013ea finan\u010dn\u00e9ho odborn\u00edka Pavla \u0160kriniara poukazuje cel\u00fd pr\u00edpad na \u0161ir\u0161\u00ed probl\u00e9m, ktor\u00fd sa net\u00fdka len jednej spolo\u010dnosti.<\/p>\n \u201eKauza poukazuje na \u0161ir\u0161\u00ed probl\u00e9m a t\u00fdm je motiv\u00e1cia v odme\u0148ovan\u00ed pri predaji finan\u010dn\u00fdch produktov. Je \u00faplne jedno, \u010di je distribu\u010dn\u00fdm kan\u00e1lom sprostredkovate\u013e, internetov\u00e1 str\u00e1nka alebo banka. Pr\u00ed\u010dinou kauzy je, ak pohn\u00fatkou k predaju s\u00fa prov\u00edzie alebo splnenie stanoven\u00fdch pl\u00e1nov a nie z\u00e1ujem klienta,\u201c hovor\u00ed pre Startitup.<\/p>\n Pod\u013ea neho je pr\u00e1ve konflikt medzi obchodnou motiv\u00e1ciou a potrebami klienta jedn\u00fdm z najv\u00e4\u010d\u0161\u00edch riz\u00edk finan\u010dn\u00e9ho sprostredkovania. Samotn\u00fd prov\u00edzny syst\u00e9m pritom nie je probl\u00e9mom. Rozhoduj\u00face je, aby odpor\u00fa\u010dan\u00fd produkt vych\u00e1dzal zo skuto\u010dn\u00fdch potrieb klienta, nie z v\u00fd\u0161ky odmeny za jeho predaj.<\/p>\n Ako m\u00f4\u017eu klienti zn\u00ed\u017ei\u0165 riziko?<\/p>\n \u0160kriniar upozor\u0148uje, \u017ee \u00faplne spo\u013eahliv\u00fd n\u00e1vod neexistuje. Klient by si mal predov\u0161etk\u00fdm necha\u0165 vysvetli\u0165, pre\u010do mu poradca odpor\u00fa\u010da konkr\u00e9tny produkt a na z\u00e1klade ak\u00fdch potrieb vzniklo odpor\u00fa\u010danie.<\/p>\n \u201eD\u00e1va\u0165 n\u00e1vod na vyhnutie sa podvodn\u00fdm sch\u00e9mam je \u0165a\u017ek\u00e9. Prevenciou je po\u017eadova\u0165 z\u00e1pis o tom, ak\u00e9 m\u00e1 klient po\u017eiadavky, no aj tu bude klient \u0165aha\u0165 za krat\u0161\u00ed koniec, ak s\u00e1m nevie definova\u0165, \u010do vlastne chce a \u010di je jeho po\u017eiadavka re\u00e1lna,\u201c vysvet\u013euje.<\/p>\n Odpor\u00fa\u010da tie\u017e neuspokoji\u0165 sa s jedinou ponukou: \u201eRovnako, ako v ka\u017edom inom odvetv\u00ed, aj pri finan\u010dnom sprostredkovan\u00ed plat\u00ed, \u017ee najlep\u0161ie je vyu\u017e\u00edva\u0165 slu\u017eby overen\u00fdch odborn\u00edkov a s referenciami od zn\u00e1mych. Nie je to s\u00edce garancia \u00faspechu, no riziko sa aspo\u0148 s\u010dasti eliminuje.\u00a0<\/p>\n Riziko nespr\u00e1vneho n\u00e1kupu sa d\u00e1 zn\u00ed\u017ei\u0165 aj prieskumom trhu \u2013 necha\u0165 si vypracova\u0165 ponuky od viacer\u00fdch poradcov aj s vysvetlen\u00edm. Pokia\u013e v\u0161ak klient nevie spr\u00e1vne definova\u0165 svoje po\u017eiadavky a ciele, ponuky bud\u00fa neporovnate\u013en\u00e9.\u201c\u00a0<\/p>\n Pois\u0165ovne rie\u0161ia menej podvodov, \u0161kody s\u00fa v\u0161ak vy\u0161\u0161ie<\/p>\n Pr\u00edpad s prov\u00edziami ozna\u010duje UNIQA za mimoriadnu udalos\u0165, preto ho nezahrnula do svojich pravideln\u00fdch \u0161tatist\u00edk poistn\u00fdch podvodov. Tie pritom ukazuj\u00fa zauj\u00edmav\u00fd trend. Medzi rokmi 2024 a 2025 klesol po\u010det preverovan\u00fdch podvodov o 11 %, no priemern\u00e1 suma, ktor\u00fa sa podarilo uchr\u00e1ni\u0165 pri jednom odhalenom pr\u00edpade, vzr\u00e1stla o 61 %.<\/p>\n Len po\u010das prv\u00e9ho \u0161tvr\u0165roka 2026 otvorila pois\u0165ov\u0148a na Slovensku 151 nov\u00fdch pr\u00edpadov, ukon\u010dila 169 preverovan\u00ed a zabr\u00e1nila neopr\u00e1vnen\u00fdm poistn\u00fdm plneniam v hodnote pribli\u017ene 560-tis\u00edc eur. Samostatne pritom uv\u00e1dza, \u017ee automatizovan\u00e9 analytick\u00e9 n\u00e1stroje pomohli odhali\u0165 podozriv\u00e9 pr\u00edpady v hodnote pribli\u017ene 200-tis\u00edc eur.<\/p>\n Mili\u00f3nov\u00fd pr\u00edpad s prov\u00edziami v\u0161ak pod\u013ea pois\u0165ovne predstavuje \u00faplne in\u00fa kateg\u00f3riu. Jeho v\u00fdsledok bude z\u00e1visie\u0165 od \u010fal\u0161ieho preverovania pr\u00edslu\u0161n\u00fdmi org\u00e1nmi.<\/p>\n Reaguje Policajn\u00fd zbor SR<\/p>\n Redakcia Startitup sa s ot\u00e1zkami obr\u00e1tila aj na Policajn\u00fd zbor SR, ten situ\u00e1ciu okomentoval nasledovne: \u201eKe\u010f\u017ee sa predmetn\u00fdm pr\u00edpadom zaoberaj\u00fa org\u00e1ny \u010dinn\u00e9 v trestnom konan\u00ed, nie je mo\u017en\u00e9 sa bli\u017e\u0161ie vyjadrova\u0165 ku konkr\u00e9tnemu pr\u00edpadu.<\/p>\n Vo v\u0161eobecnosti mo\u017eno uvies\u0165, \u017ee pri podobn\u00fdch pr\u00edpadoch m\u00f4\u017ee \u00eds\u0165 o zneu\u017e\u00edvanie prov\u00edzneho syst\u00e9mu, ke\u010f s\u00fa klientom odpor\u00fa\u010dan\u00e9 alebo uzatv\u00e1ran\u00e9 nov\u00e9 poistn\u00e9 zmluvy, pr\u00edpadne zmeny existuj\u00facich zml\u00fav, predov\u0161etk\u00fdm za \u00fa\u010delom z\u00edskania prov\u00edzie, a nie v z\u00e1ujme klienta.<\/p>\n Klientom, ktor\u00ed maj\u00fa podozrenie, \u017ee sa stali obe\u0165ou tak\u00e9hoto konania, odpor\u00fa\u010dame preveri\u0165 si svoje poistn\u00e9 zmluvy, obr\u00e1ti\u0165 sa na pr\u00edslu\u0161n\u00fa pois\u0165ov\u0148u a v pr\u00edpade podozrenia zo sp\u00e1chania trestn\u00e9ho \u010dinu poda\u0165 trestn\u00e9 ozn\u00e1menie.\u201c<\/p>\n \n \u010c\u00edtaj viac z kateg\u00f3rie: Financie a kryptomeny<\/a>\n <\/p>\n \n \u010eakujeme, \u017ee \u010d\u00edta\u0161 Startitup. V pr\u00edpade, \u017ee m\u00e1\u0161 postreh alebo si na\u0161iel v \u010dl\u00e1nku chybu, nap\u00ed\u0161 n\u00e1m na redakcia@startitup.sk<\/a>.\n <\/p>\n Zdroje: Finsider<\/a>, European\u00a0Insurance\u00a0and\u00a0Occupational\u00a0Pensions\u00a0Authority<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"\u010cL\u00c1NOK POKRA\u010cUJE POD REKLAMOU Pois\u0165ov\u0148a UNIQA rie\u0161i mimoriadny pr\u00edpad podozriv\u00e9ho konania v oblasti prov\u00edzi\u00ed. Pod\u013ea spolo\u010dnosti mali by\u0165…\n","protected":false},"author":2,"featured_media":120542,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[11],"tags":[64,39240,65,66,39241,1553,43,40,39,42,41,26898],"class_list":["post-120541","post","type-post","status-publish","format-standard","has-post-thumbnail","category-ekonomika","tag-business","tag-cena-zivotneho-poistenia","tag-economic","tag-ekonomika","tag-nekale-prepoistovanie","tag-poistenie","tag-sk","tag-slovak","tag-slovakia","tag-slovencina","tag-slovensko","tag-uniqa"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/116893620989033215","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/120541","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=120541"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/120541\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/120542"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=120541"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=120541"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=120541"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}