{"id":1085,"date":"2021-08-24T12:24:02","date_gmt":"2021-08-24T10:24:02","guid":{"rendered":"https:\/\/lifestyleplus.cz\/?p=1085"},"modified":"2021-08-24T12:24:03","modified_gmt":"2021-08-24T10:24:03","slug":"drony-senzory-ci-nove-modely-predpovedi","status":"publish","type":"post","link":"https:\/\/lifestyleplus.cz\/?p=1085","title":{"rendered":"Drony, senzory \u010di nov\u00e9 modely p\u0159edpov\u011bd\u00ed"},"content":{"rendered":"\n

I to bude poji\u0161\u0165ovn\u00e1m pom\u00e1hat p\u0159i \u0159e\u0161en\u00ed \u0161kod v d\u016fsledku klimatick\u00e9 krize.<\/p>\n\n\n\n

Klimatick\u00e9 zm\u011bny budou \u010d\u00edm d\u00e1l t\u00edm v\u00edce ovliv\u0148ovat nejen ka\u017edodenn\u00ed \u017eivot, ale i sv\u011bt byznysu. Oblast\u00ed, ve kter\u00e9 se tento trend za\u010d\u00edn\u00e1 v posledn\u00edch letech v\u00fdrazn\u011b projevovat, je poji\u0161\u0165ovnictv\u00ed. N\u00e1r\u016fst \u017eiveln\u00fdch katastrof a st\u00e1le nep\u0159edv\u00eddateln\u011bj\u0161\u00ed v\u00fdkyvy po\u010das\u00ed zvy\u0161uj\u00ed nejen po\u010det pojistn\u00fdch ud\u00e1lost\u00ed, ale lze o\u010dek\u00e1vat, \u017ee povedou k celkem z\u00e1sadn\u00edmu p\u0159ehodnocen\u00ed rizik a s nimi souvisej\u00edc\u00edm zm\u011bn\u00e1m ve zp\u016fsobu poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n

Od veder, p\u0159es p\u0159\u00edvalov\u00e9 de\u0161t\u011b a\u017e po torn\u00e1da. \u0158\u00e1d\u011bn\u00ed p\u0159\u00edrodn\u00edch \u017eivl\u016f, st\u00e1le \u010dast\u011bji zasahuje oblasti vnitrozemsk\u00e9 Evropy, m\u00e1 na sv\u011bdom\u00ed st\u00e1le v\u00fdrazn\u011bji \u0161kody na majetku. „Za posledn\u00edch 15 let lze vid\u011bt pom\u011brn\u011b stabiln\u00ed n\u00e1r\u016fst pojistn\u00fdch ud\u00e1lost\u00ed, kter\u00e9 souvisej\u00ed s p\u0159\u00edrodn\u00edmi \u017eivly. Zpravidla jde o letn\u00ed m\u011bs\u00edce a pro na\u0161i geografickou oblast nejcharakteristi\u010dt\u011bj\u0161\u00ed siln\u00e9 bou\u0159e a p\u0159\u00edvalov\u00e9 de\u0161t\u011b, kter\u00e9 maj\u00ed za n\u00e1sledek z\u00e1plavy a povodn\u011b. Jen za minul\u00fd a aktu\u00e1ln\u00ed rok zp\u016fsobil p\u0159ev\u00e1\u017en\u011b tento \u017eivel na\u0161im klient\u016fm \u0161kody ve v\u00fd\u0161i 4,6 milion\u016f eur, „\u0159\u00edk\u00e1 p\u0159edseda p\u0159edstavenstva a gener\u00e1ln\u00ed \u0159editel poji\u0161\u0165ovny Kooperativa Vladim\u00edr Bake\u0161 a dod\u00e1v\u00e1, \u017ee klimatick\u00e1 krize a o\u010dek\u00e1van\u00fd n\u00e1r\u016fst pojistn\u00fdch ud\u00e1lost\u00ed kv\u016fli \u017eiveln\u00fdch pohrom je jedn\u00edm z kl\u00ed\u010dov\u00fdch faktor\u016f, kter\u00e9 budou ovliv\u0148ovat glob\u00e1ln\u00ed trendy v poji\u0161\u0165ovnictv\u00ed a pro kter\u00e9 ji\u017e za\u010d\u00ednaj\u00ed poji\u0161\u0165ovny, iv na\u0161em prost\u0159ed\u00ed, p\u0159ehodnocovat sv\u00e9 strategie do budoucna.<\/p>\n\n\n\n

P\u0159\u00edprava na klimatick\u00e9 rizika
Pokud budou emise sklen\u00edkov\u00fdch plyn\u016f pokra\u010dovat sou\u010dasn\u00fdm tempem, Evropu zas\u00e1hne sedmin\u00e1sobn\u00fd vzestup po\u010dtu extr\u00e9mn\u00edch obdob\u00ed sucha, upozor\u0148uj\u00ed experti. Obdob\u00ed sucha, horka a n\u00e1sledn\u00e9 siln\u00e9 sr\u00e1\u017eky \u010di bou\u0159ky se st\u00e1vaj\u00ed nejen \u010dast\u011bj\u0161\u00edmi, ale za\u010d\u00ednaj\u00ed zp\u016fsobovat i v\u011bt\u0161\u00ed \u0161kody a celkov\u00e9 ztr\u00e1ty. Predikce v\u00fdzkumn\u00edk\u016f, ale i ni\u010div\u00e9 ud\u00e1losti posledn\u00edch m\u011bs\u00edc\u016f jsou d\u016fvodem, pro kter\u00fd se poji\u0161\u0165ovny a jejich klienti za\u010d\u00ednaj\u00ed pt\u00e1t, jak co nejefektivn\u011bji nastavit poji\u0161\u0165ovac\u00ed modely a minimalizovat rizika spojen\u00e1 s p\u0159\u00edrodn\u00edmi katastrofami. „Co konkr\u00e9tn\u011b p\u0159inesou klimatick\u00e9 zm\u011bny v oblasti poji\u0161\u0165ovnictv\u00ed v dlouhodob\u00e9m horizontu zat\u00edm je\u0161t\u011b jasn\u00e9 nen\u00ed. Faktem v\u0161ak je, \u017ee i v jejich d\u016fsledku se byznys poji\u0161\u0165ovnictv\u00ed u\u017e v bl\u00edzk\u00e9 budoucnosti zm\u011bn\u00ed zcela z\u00e1sadn\u011b. Z kr\u00e1tkodob\u00e9ho hlediska p\u0159ich\u00e1z\u00ed jako odpov\u011b\u010f na n\u00e1r\u016fst \u0161kod v d\u016fsledku p\u0159\u00edrodn\u00edch \u017eivl\u016f obecn\u011b zvy\u0161uj\u00edc\u00ed se z\u00e1jem lid\u00ed o p\u0159ehodnocen\u00ed poji\u0161t\u011bn\u00ed sv\u00e9 nemovitosti, dom\u00e1cnosti \u010di jin\u00e9ho majetku, „uv\u00e1d\u00ed gener\u00e1ln\u00ed \u0159editel Kooperativy.<\/p>\n\n\n\n

Nejen majetek ale i \u017eivot
Klimatick\u00e9 zm\u011bny podle expert\u016f ovlivn\u00ed nejen trh ne\u017eivotn\u00edho poji\u0161t\u011bn\u00ed, tedy kryt\u00ed \u0161kod na majetku, ale \u010dasem budou m\u00edt vliv i na poskytov\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, proto\u017ee zm\u011bna klimatu bude ovliv\u0148ovat st\u00e1le v\u00edce v\u0161echny aspekty \u017eivota a zdrav\u00ed \u010dlov\u011bka. P\u0159\u00edkladem mohou b\u00fdt zvy\u0161uj\u00edc\u00ed se, dlouhotrvaj\u00edc\u00ed a intenzivn\u011bj\u0161\u00ed horka, kter\u00e9 budou p\u0159in\u00e1\u0161et nejen \u010dast\u011bji riziko po\u017e\u00e1r\u016f majetku ale i riziko pot\u0159ebn\u00e9 l\u00e9ka\u0159sk\u00e9 pomoci, hospitalizace a nikoli ojedin\u011bl\u00fdch p\u0159\u00edpadech i p\u0159ed\u010dasnou \u00famrtnost. V neposledn\u00ed \u0159ad\u011b je mo\u017en\u00e9 o\u010dek\u00e1vat, \u017ee nar\u016fstaj\u00edc\u00ed klimatick\u00e1 krize ovlivn\u00ed i podnikatelskou \u010dinnost, v prvn\u00ed \u0159ad\u011b zem\u011bd\u011blc\u016f, kte\u0159\u00ed mohou p\u0159ich\u00e1zet o zna\u010dn\u00e9 objemy sklizn\u011b. „Poji\u0161\u0165ovny budou s plnou odpov\u011bdnost\u00ed v\u016f\u010di sv\u00fdm klient\u016fm p\u0159enastavit sv\u00e9 modely pojistn\u00fdch produkt\u016f. Prvo\u0159adou prioritou poji\u0161\u0165ovny je, aby pom\u00e1haly sv\u00fdm klient\u016fm snadn\u011bji se vypo\u0159\u00e1dat s nep\u0159edv\u00eddateln\u00fdmi ud\u00e1lostmi a dok\u00e1zali se zodpov\u011bdn\u011b p\u0159ipravit na nov\u00e9 potenci\u00e1ln\u00ed rizika, „uv\u00e1d\u00ed Vladim\u00edr Bake\u0161.<\/p>\n\n\n\n

Budoucnost p\u0159inese i lep\u0161\u00ed p\u0159edpov\u00edd\u00e1n\u00ed rizik
Na druh\u00e9 stran\u011b, technologick\u00fd pokrok umo\u017en\u00ed v budoucnu mnohem jednodu\u0161\u0161\u00ed modelovat p\u0159edpov\u011bdi a t\u00edm i p\u0159edch\u00e1zet rizik\u016fm a minimalizovat ztr\u00e1ty. „Inovace, smart \u0159e\u0161en\u00ed a modern\u00ed za\u0159\u00edzen\u00ed jako senzory \u010di drone budou moci v budoucnu poskytovat data, kter\u00e9 jsou d\u016fle\u017eit\u00e9 p\u0159i nastavov\u00e1n\u00ed parametrick\u00fdch model\u016f poji\u0161t\u011bn\u00ed \u010di vyhodnocov\u00e1n\u00ed \u0161kod,“ vysv\u011btluje Vladim\u00edr Bake\u0161.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

Nejde v\u0161ak jen o p\u0159\u00edrodn\u00ed \u017eivly. Poji\u0161\u0165ovac\u00ed modely se za\u010d\u00ednaj\u00ed p\u0159izp\u016fsobovat i n\u00e1r\u016fstu konektivity a p\u0159ipojen\u00ed t\u00e9m\u011b\u0159 v\u0161eho na internet. D\u00edky tomu vznikaj\u00ed nov\u00e9 slu\u017eby, kter\u00e9 dok\u00e1\u017e\u00ed p\u0159edch\u00e1zet \u0161kod\u00e1m, a\u0165 u\u017e mluv\u00edme o majetku, ale i zdrav\u00ed. Podle odhad\u016f je dnes p\u0159ipojen\u00fdch na internet ji\u017e v\u00edce ne\u017e 20 miliard za\u0159\u00edzen\u00ed a toto \u010d\u00edslo se v pr\u016fb\u011bhu p\u00e1r let ztrojn\u00e1sob\u00ed. V\u011bt\u0161ina t\u011bchto za\u0159\u00edzen\u00ed m\u00e1 senzory na sb\u00edr\u00e1n\u00ed dat, kter\u00e9 budou st\u00e1le intenzivn\u011bj\u0161\u00ed vyhodnocov\u00e1ny a dok\u00e1\u017e\u00ed poskytnout detailn\u011bj\u0161\u00ed obraz nap\u0159\u00edklad o zdravotn\u00edm stavu nebo \u017eivotn\u00edm stylu klienta – co budou poji\u0161\u0165ovny v praxi vyu\u017e\u00edvat.<\/p>\n\n\n\n

Digit\u00e1ln\u00ed slu\u017eby budou samoz\u0159ejmost\u00ed
Byznys poji\u0161\u0165ovnictv\u00ed ji\u017e v sou\u010dasnosti formuje trend v\u0161udyp\u0159\u00edtomn\u00e9 digitalizace. Ta v posledn\u00edch letech zp\u016fsobuje dynamick\u00e9 zm\u011bny v produktech a slu\u017eb\u00e1ch poji\u0161\u0165oven. „P\u0159\u00edchod pandemie loni mnoho v\u011bc\u00ed urychlil, iz pohledu na\u0161\u00ed spole\u010dnosti ale i v p\u0159\u00edstupu samotn\u00fdch klient\u016f.<\/p>\n","protected":false},"excerpt":{"rendered":"

I to bude poji\u0161\u0165ovn\u00e1m pom\u00e1hat p\u0159i \u0159e\u0161en\u00ed \u0161kod v d\u016fsledku klimatick\u00e9 krize. Klimatick\u00e9 zm\u011bny budou \u010d\u00edm d\u00e1l t\u00edm v\u00edce ovliv\u0148ovat nejen ka\u017edodenn\u00ed \u017eivot, ale i sv\u011bt byznysu. Oblast\u00ed, ve kter\u00e9 se tento trend za\u010d\u00edn\u00e1 v posledn\u00edch letech v\u00fdrazn\u011b projevovat, je poji\u0161\u0165ovnictv\u00ed. N\u00e1r\u016fst \u017eiveln\u00fdch katastrof a st\u00e1le nep\u0159edv\u00eddateln\u011bj\u0161\u00ed v\u00fdkyvy po\u010das\u00ed zvy\u0161uj\u00ed nejen po\u010det pojistn\u00fdch ud\u00e1lost\u00ed, ale […]<\/p>\n","protected":false},"author":2,"featured_media":1086,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[42],"tags":[],"class_list":["post-1085","post","type-post","status-publish","format-standard","has-post-thumbnail","category-zajimavosti"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=\/wp\/v2\/posts\/1085","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1085"}],"version-history":[{"count":1,"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=\/wp\/v2\/posts\/1085\/revisions"}],"predecessor-version":[{"id":1088,"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=\/wp\/v2\/posts\/1085\/revisions\/1088"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=\/wp\/v2\/media\/1086"}],"wp:attachment":[{"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lifestyleplus.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}