{"id":1777,"date":"2018-12-06T09:47:01","date_gmt":"2018-12-06T08:47:01","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=1777"},"modified":"2022-04-21T13:34:02","modified_gmt":"2022-04-21T11:34:02","slug":"blog-i-pojisteni-muze-jit-s-dobou-kdyz-se-spoji-s-modernimi-technologiem","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2018\/12\/06\/blog-i-pojisteni-muze-jit-s-dobou-kdyz-se-spoji-s-modernimi-technologiem\/","title":{"rendered":"I poji\u0161t\u011bn\u00ed m\u016f\u017ee j\u00edt s dobou, kdy\u017e se spoj\u00ed s modern\u00edmi technologiemi"},"content":{"rendered":"

Insurtech je spojen\u00ed slov \u201einsurance\u201c a \u201etechnology\u201c, tedy technologick\u00e9 poji\u0161t\u011bn\u00ed. Mutumutu takov\u00e9 je. Vrac\u00ed se k p\u016fvodn\u00ed my\u0161lence poji\u0161t\u011bn\u00ed a s\u00e1z\u00ed p\u0159i tom na technologie budoucnosti. Spr\u00e1vn\u00e1 kombinace star\u00e9ho a nov\u00e9ho by m\u011bla oslovit i ty, kte\u0159\u00ed u\u017e na poji\u0161t\u011bn\u00ed zanev\u0159eli. <\/strong><\/p>\n

Co \u017ee je tedy p\u016fvodn\u00ed my\u0161lenka poji\u0161t\u011bn\u00ed? \u017de m\u00e1 b\u00fdt smyslupln\u00e9 a pro lidi. To je ta <\/span>insur <\/span><\/i>\u010d\u00e1st. P\u0159i sjedn\u00e1v\u00e1n\u00ed pak \u2013 nam\u00edsto podivn\u00fdch p\u00e1n\u016f s\u00a0kuf\u0159\u00edkem lejster \u2013 vyu\u017e\u00edv\u00e1me nejnov\u011bj\u0161\u00ed <\/span>tech<\/span><\/i>nologie. \u0160et\u0159\u00edme tak \u010das, nervy i pen\u00edze klient\u016f.<\/span><\/p>\n

Trendy fintech a problematick\u00e9 poji\u0161t\u011bn\u00ed<\/b><\/h2>\n

Term\u00edn <\/span>fintech<\/span><\/i>, kter\u00fd vznikl ze slov \u201efinance\u201c<\/span> a \u201etechnologie\u201c, je pr\u00e1v\u011b te\u010f hodn\u011b trendy. O tom, jak se pokroky v\u00a0oblasti technologi\u00ed daj\u00ed vyu\u017e\u00edt v\u00a0zastar\u00e1vaj\u00edc\u00edm bankovn\u00edm byznysu, \u017eiv\u011b diskutuj\u00ed fandov\u00e9 do kryptom\u011bn, zap\u00e1len\u00ed aj\u0165\u00e1ci, okravatovan\u00ed broke\u0159i z\u00a0Wall Street i koncov\u00ed u\u017eivatel\u00e9, co prost\u011b tou\u017e\u00ed po transparentn\u011bj\u0161\u00edm p\u0159\u00edstupu k\u00a0pen\u011bz\u016fm.<\/span><\/p>\n

\"\"
Term\u00edn fintech, kter\u00fd vznikl ze slov \u201efinance\u201c a \u201etechnologie\u201c, je pr\u00e1v\u011b te\u010f hodn\u011b trendy.<\/figcaption><\/figure>\n

Kdy\u017e se v\u00a0podobn\u00e9 spole\u010dnosti \u0159ekne <\/span>insurtech<\/span><\/i>, n\u00e1lada sp\u00ed\u0161 pohasne. Kdo by si cht\u011bl pov\u00eddat o poji\u0161t\u011bn\u00ed? Tenhle pr\u016fmysl m\u00e1 v\u00a0sou\u010dasnosti punc n\u011b\u010deho zkostnat\u011bl\u00e9ho, t\u011b\u017ekop\u00e1dn\u00e9ho a vlastn\u011b i nep\u0159\u00edli\u0161 d\u016fv\u011bryhodn\u00e9ho.<\/span><\/p>\n

\u201eD\u016fv\u011bra v pen\u011b\u017en\u00ed slu\u017eby prudce poklesla po roce 2008 <\/span>(obdob\u00ed, kdy \u0159ada odborn\u00edk\u016f mluvila o finan\u010dn\u00ed krizi, pozn. red.)<\/span><\/i>, ov\u0161em poji\u0161\u0165ovac\u00ed odv\u011btv\u00ed m\u011blo problematickou image u\u017e d\u00e1vno p\u0159edt\u00edm,\u201c vysv\u011btluje ve\u00a0<\/span>Forbesu<\/span><\/a> analyti\u010dka Sarah Kocianski. \u201eP\u0159esv\u011bd\u010den\u00ed, \u017ee poji\u0161\u0165ovac\u00ed agenti ud\u011blaj\u00ed cokoli, aby se vyhnuli v\u00fdplat\u011b pojistky, \u017ee jsou p\u0159eplacen\u00ed; odpor k\u00a0pravideln\u00fdm platb\u00e1m za produkt, kter\u00fd mo\u017en\u00e1 nikdy nevyu\u017eijete \u2013 to v\u0161echno v\u00a0sob\u011b lid\u00e9 nesou u\u017e des\u00edtky let.\u201c<\/span><\/p>\n

Konec tajnost\u00ed i dlouh\u00fdch jedn\u00e1n\u00ed<\/b><\/h2>\n

Podobn\u00e9 p\u0159edstavy a obavy podle n\u00ed je\u0161t\u011b posiluj\u00ed jednotliv\u00e9 (by\u0165 ne tak \u010dast\u00e9) p\u0159\u00edpady, kdy klienti s poji\u0161\u0165ovnami za\u017eili n\u011bjakou tu nep\u0159\u00edjemnost. A taky fakt, \u017ee m\u00e1lokdo tu\u0161\u00ed, co p\u0159esn\u011b d\u011blaj\u00ed a jak cel\u00fd byznys funguje. Poji\u0161\u0165ovnictv\u00ed je zarostl\u00e9 pavu\u010dinami a op\u0159eden\u00e9 tajemstv\u00edm jako ch\u00e1traj\u00edc\u00ed d\u016fm v\u00a0hororov\u00e9m filmu.<\/span><\/p>\n

\"\"
Poji\u0161t\u011bn\u00ed si u Mutumutu sjedn\u00e1te stoprocentn\u011b online a rychleji, ne\u017e byste vyplnili kv\u00edz na Buzzfeedu.<\/figcaption><\/figure>\n

I to se insurtech sf\u00e9ra sna\u017e\u00ed zm\u011bnit. Poji\u0161\u0165ovac\u00ed pr\u016fmysl u\u017e toho za\u017eil dost: <\/span>ko\u0159eny m\u00e1 v\u00a0dob\u011b Chammurapiho<\/span><\/a> a prvn\u00edch \u010d\u00ednsk\u00fdch dynasti\u00ed, to znamen\u00e1 p\u0159ed \u010dty\u0159mi a\u017e p\u011bti tis\u00edci let. Jeho fungl nov\u00e1 odno\u017e je ov\u0161em neb\u00fdvale sexy. Je transparentn\u00ed, u\u017eivatelsky vst\u0159\u00edcn\u00e1, bez zbyte\u010dn\u00fdch komplikac\u00ed a nejasnost\u00ed. <\/span><\/p>\n

Tak funguje i Mutumutu. Poji\u0161t\u011bn\u00ed si u n\u00e1s d\u00edky skv\u011bl\u00e9 pr\u00e1ci na\u0161ich aj\u0165\u00e1k\u016f sjedn\u00e1te stoprocentn\u011b online a rychleji, ne\u017e byste vyplnili kv\u00edz na Buzzfeedu. V\u0161echno v\u00e1m propo\u010d\u00edt\u00e1me dop\u0159edu, s\u00a0ohledem na va\u0161e pot\u0159eby a \u017eivotn\u00ed styl. Smlouva taky nen\u00ed \u017e\u00e1dn\u00e9 <\/span>Hled\u00e1n\u00ed ztracen\u00e9ho \u010dasu<\/span><\/i> a m\u00e1 jen osm v\u00fdluk, co\u017e je na tuzemsk\u00e9m trhu skute\u010dn\u00fd unik\u00e1t.<\/span><\/p>\n

Spo\u010d\u00edtat poji\u0161t\u011bn\u00ed<\/a><\/div>\n

Slu\u017eebn\u00ed auta? My rad\u0161i chod\u00edme b\u011bhat<\/b><\/h2>\n

Nehodl\u00e1me v\u00e1s ob\u00edrat o \u010das ani o pen\u00edze. Kdy\u017e je v\u0161echno digit\u00e1ln\u00ed, hned odpad\u00e1 cel\u00e1 \u0159ada n\u00e1klad\u016f: \u017e\u00e1dn\u00e9 obrovsk\u00e9 provize pro poradce, \u017e\u00e1dn\u00e9 luxusn\u00ed vozy, kter\u00fdmi by za v\u00e1mi museli cestovat, \u017e\u00e1dn\u00e1 drah\u00e1 pera k\u00a0podepisov\u00e1n\u00ed smluv. Ani n\u00e1kladn\u00e9 kancel\u00e1\u0159e<\/a> pro stovky \u010di tis\u00edce zam\u011bstnanc\u016f. My jich m\u00e1me jen p\u00e1r des\u00edtek.<\/span><\/p>\n

A je\u0161t\u011b jednu v\u00fdhodu nesm\u00edme opomenout. Nov\u00fd p\u0159\u00edstup k\u00a0poji\u0161t\u011bn\u00ed o\u017eivuje konzervativn\u00ed trh tak\u00e9 t\u00edm, \u017ee z\u00e1kazn\u00edk\u016fm naslouch\u00e1 a neboj\u00ed se p\u0159izp\u016fsobit specifik\u016fm men\u0161\u00ed skupiny. To, \u017ee je n\u011bjak\u00e9 poji\u0161t\u011bn\u00ed univerz\u00e1ln\u00ed, toti\u017e m\u00e1lokdy znamen\u00e1, \u017ee je v\u00fdhodn\u00e9 a vhodn\u00e9 pr\u00e1v\u011b pro v\u00e1s. Na sv\u011bt\u011b u\u017e tak existuj\u00ed insurtechov\u00e9 firmy t\u0159eba pro chronicky nemocn\u00e9<\/a> lidi, co r\u00e1di cestuj\u00ed, pro majitele zv\u00ed\u0159at se speci\u00e1ln\u00edmi n\u00e1roky nebo pro klienty, co jezd\u00ed autem, ale ne ka\u017ed\u00fd den.<\/span><\/p>\n

\"\"
V\u00a0Mutumutu\u00a0podporujeme ty, kte\u0159\u00ed mysl\u00ed pozitivn\u011b a maj\u00ed r\u00e1di zdrav\u00fd \u017eivotn\u00ed styl.<\/figcaption><\/figure>\n

My jsme se rozhodli zam\u011b\u0159it na ty, co \u017eij\u00ed zdrav\u011b a nechce se jim dopl\u00e1cet na m\u00e9n\u011b zodpov\u011bdn\u00e9. Pro extra motivaci jsme p\u0159i\u0161li se syst\u00e9mem odm\u011bn, na kter\u00e9 m\u016f\u017ee dos\u00e1hnout ka\u017ed\u00fd. Sta\u010d\u00ed pravideln\u011b sportovat<\/a>, pra\u0161tit s kou\u0159en\u00edm nebo chodit na preventivn\u00ed l\u00e9ka\u0159sk\u00e9 prohl\u00eddky. L\u00e9pe tak p\u0159edejdete nemocem \u2013 v\u010detn\u011b t\u011bch civiliza\u010dn\u00edch<\/a> \u2013 a d\u00edky zdrav\u00e9 komunit\u011b ve v\u00fdsledku u\u0161et\u0159\u00ed v\u0161ichni. I to je insurtech.<\/span><\/p>\n

V\u00a0Mutumutu\u00a0<\/a>podporujeme ty, kte\u0159\u00ed mysl\u00ed pozitivn\u011b a maj\u00ed r\u00e1di zdrav\u00fd \u017eivotn\u00ed styl. Za radost ze sportu odm\u011b\u0148ujeme vr\u00e1cen\u00edm 20 % z ceny poji\u0161t\u011bn\u00ed. Dal\u0161\u00edch 5 % z\u00edsk\u00e1te za to, \u017ee nekou\u0159\u00edte a 5 % za to, \u017ee chod\u00edte na pravideln\u00e9 l\u00e9ka\u0159sk\u00e9 prohl\u00eddky.<\/strong><\/em><\/p>\n

30 % zp\u011bt<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

Insurtech je spojen\u00ed slov \u201einsurance\u201c a \u201etechnology\u201c, tedy technologick\u00e9 poji\u0161t\u011bn\u00ed. Mutumutu takov\u00e9 je. Vrac\u00ed se k p\u016fvodn\u00ed my\u0161lence poji\u0161t\u011bn\u00ed a s\u00e1z\u00ed p\u0159i tom na technologie budoucnosti. Spr\u00e1vn\u00e1 kombinace star\u00e9ho a nov\u00e9ho by m\u011bla oslovit i ty, kte\u0159\u00ed u\u017e na poji\u0161t\u011bn\u00ed zanev\u0159eli. Co \u017ee je tedy p\u016fvodn\u00ed my\u0161lenka poji\u0161t\u011bn\u00ed? \u017de m\u00e1 b\u00fdt smyslupln\u00e9 a pro lidi. …<\/p>\n","protected":false},"author":21,"featured_media":1784,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[94,116,208,120,38,32,59,117,66],"class_list":["post-1777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","tag-30-pojisteni-zpet","tag-fintech","tag-insurtech","tag-mutumutu","tag-online-pojisteni","tag-pojisteni","tag-pojisteni-zivota","tag-technologie","tag-zivotni-pojisteni-online"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=1777"}],"version-history":[{"count":12,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1777\/revisions"}],"predecessor-version":[{"id":5034,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1777\/revisions\/5034"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/1784"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=1777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=1777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=1777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}