[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.edis.sk\/nova-dan-z-poistenia\/#Article","mainEntityOfPage":"https:\/\/www.edis.sk\/nova-dan-z-poistenia\/","headline":"Nov\u00e1 da\u0148 z poistenia","name":"Nov\u00e1 da\u0148 z poistenia","description":"Odv\u00e1dza\u0165 ju teda bud\u00fa pois\u0165ovne, no mnoh\u00ed sa ob\u00e1vaj\u00fa, \u017ee za\u0165a\u017een\u00ed bud\u00fa ich klienti. Cena za poistenie sa tak bude sklada\u0165 z dvoch polo\u017eiek: poistn\u00e9ho a dane.&#13; Nov\u00e1 da\u0148 by mala ma\u0165 sedem sadzieb, a to od 0 % pri vybran\u00fdch odvetviach \u017eivotn\u00e9ho poistenia a\u017e po 18-percentn\u00fa sadzbu pri poisten\u00ed luxusn\u00fdch lod\u00ed a lietadiel pou\u017e\u00edvan\u00fdch<a class=\"moretag\" href=\"https:\/\/www.edis.sk\/nova-dan-z-poistenia\/\"><span class=\"screen-reader-text\">P\u0159e\u010dt\u011bte si v\u00edce o Nov\u00e1 da\u0148 z poistenia<\/span>[...]<\/a>","datePublished":"2018-06-03","dateModified":"2024-02-20","author":{"@type":"Person","@id":"https:\/\/www.edis.sk\/author\/#Person","name":"","url":"https:\/\/www.edis.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/020fed30ca967737eb0c640f241d660d0f18cb15fe876f045fbf23eb8510c133?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/020fed30ca967737eb0c640f241d660d0f18cb15fe876f045fbf23eb8510c133?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"edis.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.edis.sk\/wp-content\/uploads\/img_a289084_w16571_t1530116432.jpg","url":"https:\/\/www.edis.sk\/wp-content\/uploads\/img_a289084_w16571_t1530116432.jpg","height":0,"width":0},"url":"https:\/\/www.edis.sk\/nova-dan-z-poistenia\/","about":["Peniaze"],"wordCount":405,"articleBody":"Odv\u00e1dza\u0165 ju teda bud\u00fa pois\u0165ovne, no mnoh\u00ed sa ob\u00e1vaj\u00fa, \u017ee za\u0165a\u017een\u00ed bud\u00fa ich klienti. Cena za poistenie sa tak bude sklada\u0165 z dvoch polo\u017eiek: poistn\u00e9ho a dane.&#13; Nov\u00e1 da\u0148 by mala ma\u0165 sedem sadzieb, a to od 0 % pri vybran\u00fdch odvetviach \u017eivotn\u00e9ho poistenia a\u017e po 18-percentn\u00fa sadzbu pri poisten\u00ed luxusn\u00fdch lod\u00ed a lietadiel pou\u017e\u00edvan\u00fdch na rekrea\u010dn\u00e9 \u00fa\u010dely.&#13; Odporcovia novej dane z poistenia s\u00fa toho n\u00e1zoru, \u017ee nov\u00e1 da\u0148 sa dotkne aj star\u0161\u00edch i nov\u00fdch poistn\u00fdch zml\u00fav, \u010do sa prejav\u00ed v drah\u0161\u00edch poistn\u00fdch produktoch, ktor\u00e9 v kone\u010dnom d\u00f4sledku zaplatia klienti pois\u0165ovni. Tento n\u00e1zor zast\u00e1vaj\u00fa napriek tomu, \u017ee pod\u013ea Ministerstva financi\u00ed by k zvy\u0161ovaniu cien poistn\u00fdch produktov nemalo d\u00f4js\u0165.&#13; Problematika zavedenia novej dane z poistenia v\u0161ak nebude ma\u0165 dopad len pre klientov v podobe mo\u017en\u00fdch zv\u00fd\u0161en\u00fdch cien poistn\u00fdch produktov, ale aj pre samotn\u00fdch sprostredkovate\u013eov poisten\u00ed. Nov\u00e1 da\u0148 z poistenia predpoklad\u00e1 aj vy\u0161\u0161ie n\u00e1klady pois\u0165ovn\u00ed, ktor\u00ed sa bud\u00fa sna\u017ei\u0165 tieto n\u00e1klady zni\u017eova\u0165, \u010do m\u00f4\u017eu dosiahnu\u0165 napr\u00edklad zn\u00ed\u017een\u00edm n\u00e1kladov na sprostredkovate\u013eov (napr. zn\u00ed\u017een\u00edm po\u010dtu sprostredkovate\u013eov na poistnom trhu). Pre samotn\u00e9 sprostredkovanie poistenia m\u00f4\u017ee ma\u0165 nov\u00e1 da\u0148 tie\u017e negat\u00edvne d\u00f4sledky v podobe \u0165a\u017e\u0161ieho predaja poistn\u00fdch produktov.&#13; Pod\u013ea d\u00f4vodovej spr\u00e1vy Ministerstva financi\u00ed SR s\u00fa d\u00f4vodom zavedenia dane z poistenia ako nepriamej dane doteraj\u0161ie poznatky z odvodu prijat\u00e9ho poistn\u00e9ho z ne\u017eivotn\u00e9ho poistenia, ktor\u00fd je zaveden\u00fd od 01.01.2017 a ktor\u00fd je nesyst\u00e9mov\u00fdm a neefekt\u00edvnym opatren\u00edm a sp\u00f4sobuje aplika\u010dn\u00e9 probl\u00e9my pois\u0165ovniam. Pod\u013ea \u010dlenov SLASPO predlo\u017een\u00fd n\u00e1vrh z\u00e1kona v\u0161ak neodstra\u0148uje probl\u00e9my, ale naopak ich prehlbuje a navrhovan\u00fdm rozsahom zda\u0148ovania ide vysoko nad r\u00e1mec predpokladov sektora.&#13; \u010clenovia SLASPO nezdie\u013eaj\u00fa n\u00e1zor Ministerstva financi\u00ed SR a principi\u00e1lne nepodporuj\u00fa da\u0148 z poistn\u00e9ho, nako\u013eko pod\u013ea ich n\u00e1zoru nov\u00e1 da\u0148 z poistenia paradoxne postihne t\u00fdch \u013eud\u00ed, ktor\u00ed sa rozhodli dobrovo\u013ene uzavrie\u0165 poistn\u00fa zmluvu, aby ochr\u00e1nili seba a svoj majetok. Poistn\u00e1 da\u0148 znamen\u00e1, \u017ee sa zda\u0148uje tento akt zodpovednosti podobne, ako sa zda\u0148uje spotrebnou da\u0148ou napr. \u201enezodpovednos\u0165&#8220; v podobe n\u00e1kupu cigariet, dodalo SLASPO.                                                                                                                                                                                                                                                                                                                                                                                         4.2\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nov\u00e1 da\u0148 z poistenia","item":"https:\/\/www.edis.sk\/nova-dan-z-poistenia\/#breadcrumbitem"}]}]