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Insurance Digest hood of higher appreciation, this change will not bring any new financing source. For this reason I think that the third phase should precede the second phase and should define a new increased influx of funds, as well as higher motivation for savings. I do not think there are major technical reasons for which priorities in both phases could not be changed. What, in your opinion, is the optimal percentage of opt-out from the state pillar and why I consider the correctly set amount for optout as one of the most crucial features of the entire pension system reform. Of course, the percentage must not endanger the present system, but it has to motivate people and allow them to save sufficient financial means for old age. With our experts we agree on a real optimal amount of opt-out of about five percent. Do you think that the potential pillar II could also be served by the existing operators on the market In terms of the technical side, yes. The pension funds, and namely commercial insurance companies can, as the only financial institutions, accept deposits as well as pay out annuities for the rest of life. But in case of implementation of phase II in the form of separation of property from administrators of the pension funds, the pension funds will lose their ability to pay life-long annuities. They will, in principle, substitute for activities of investment companies. In their case, the saved amounts would have to be transferred to insurance companies in the phase of pension payments, that are the only institution entitled and able to pay life-long annuities. There is of course another way, too: to establish new institutions for this purpose. The question is, are they inevitable What role should commercial insurance companies play in the pension reform Commercial insurance companies are key players today, and will undoubtedly be even more so – on the financial market they are very stable, they are subject to strict supervision of the Czech National Bank and also meet other international rules, in particular in the area of creation of reserves. As they are mostly international companies, they can also offer low costs, and know-how. As I said, their potential, i.e. the ability to pay out life-long pensions which other institutions do not have, is also crucial for the reform. At present, people are saving very small amounts for pensions. The Ministry of Finance wants to motivate citizens by increasing tax deductions. Is this a correct method by which people could achieve adequate savings for old age Unfortunately, the tax deductions for citizens haven’t changed since 2001 and the system has lost its original motivational strength. The state should definitely increase the tax deductions to at least 24,000 crowns. As for employers’ tax deductions: contributions for supplementary pension insurance and life insurance were merged from the beginning of this year, but even in this case the amount is not sufficient. I would consider double of the amount as optimal, i.e. 48,000 crowns per year. The clients would certainly welcome the same direct contribution of the state for life insurance products, as in the case of supplementary pension insurance. Today, most people do not even earn the average wage in the Czech Republic. Is there a solution for them to maintain their existing standard of living Up until the present, i.e. for the past almost fifty years, the majority of our population relied exclusively on the state for providing for their old age. Without change of the system, the financial abyss between our wages and pensions will grow even deeper. It is related to the increasing standard of living, higher demands of people, prolongation of life and to the change in the society’s attitude to old age. If the present middle age and young generation will want to preserve their basic standard of living, there is no other way for them than to begin preparing, in time, additional financial resources for the future. Without responsible saving, nobody can ensure today’s relatively high consumption and decent standard of living. Not all citizens are able to do their jobs until the age of 65. What early retirement options will they have Commercial insurance companies are able to respond also to these situations. In the framework of the corresponding product for pillar II they can also offer payment of a so-called service pension that can be used by clients in cases where they can no longer do their job. The insurance companies The government must find a suitable source for pension financing. I consider the correctly set amount for opt-out as one of the most crucial features of the entire pension system reform. are also able to solve disability pensions by offering payments of disability pensions. However, the issue of other variants does not depend solely on new incentives. 46 Pojistný obzor 3/2008 Insurance Digest
POJISTNÝ OBZOR Odborný čtvrtletník českého pojišťovnictví 3/2008 Ročník LXXXV Co je obecně důležité pro obyvatele ČR Aby důchodový věk nerostl v čase rychleji než zvyšování průměrné naděje … Tajenku čtenářům Pojistného obzoru, prozradí následující osmisměrka: Vydavatel: Česká asociace pojišťoven Redakční rada: Prof. Ing. Jaroslav Daňhel, CSc., Mgr. Ondřej Karel, Ing. Josef Keller, Marcela Kotyrová, Ivana Menclová, Ing. Jaroslav Mesršmíd CSc., PhDr. Miloš Novák, Ing. Tomáš Síkora, Ing. Eva Svobodová, Michal Šimon, Ing. Marek Vích. Šéfredaktorka: Mgr. Ema Novotná Adresa: Na Strži 1702/65, 140 00 Praha 4 Telefon: (+420) 222 350 161 Fax: (+420) 261 142 409 E-mail: ema.novotna@cap.cz, pojistny.obzor@cap.cz Grafická úprava, sazba, litografie: ENTRE s.r.o., Chodovecké náměstí 8, 141 00 Praha 4 Tisk: Integraf, s.r.o., Běloveská 187, 574 01 Náchod ISSN 0032-2393 Distribuce: A.L.L. PRODUCTION F. V. Veselého 15, 193 00 Praha 9 Telefon: (+420) 234 092 851 Fax: (+420) 234 092 813 Objednávky a předplatné na adrese: A.L.L. PRODUCTION, md 732, 111 21 Praha 1 E-mail: pojistny.obzor@predplatne.cz www.predplatne.cz Předplatné na Slovensku: L. K. PERMANENT, PP 4, 834 14 Bratislava 34 Telefon: (+421) 244 373 311 Fax: (+421) 244 453 711 E-mail: lkperm@lkpermanent.sk Podávání novinových zásilek povoleno Ředitelstvím poštovní přepravy Praha, č. j. 1692/94 ze dne 27. 7. 1994; Českou poštou, s.p. OZSeČ Ústí nad Labem, dne 21. 1. 1998, j. zn. P - 330/98. Evidenční číslo: MK ČR E 1060. Inzerce: veškeré informace podá redakce. Nevyžádané rukopisy nevracíme. Přetisk: Povolen pouze se souhlasem redakce a při zachování autorských práv. © Česká asociace pojišťoven www.cap.cz Cena výtisku: 75 Kč Roční předplatné: 240 Kč Tajenka osmisměrky z čísla 2/2008 zní: Uspokojení. Pojistný obzor je členem Mezinárodní organizace odborného pojišťovacího tisku. www.piassurance.eu
Page 1 and 2: Pojistný obzor Ročník 85 2008 3
Page 3 and 4: Foto: ČAP Milí čtenáři, stejn
Page 5 and 6: Ministr práce a sociálních věc
Page 7 and 8: vitě jen okrajově. Většina obč
Page 9 and 10: doopravdy pobírat. Ze všech 8 967
Page 11 and 12: Bez potřebných právních podmín
Page 13 and 14: V § 9 je nové ustanovení o „ko
Page 15 and 16: zásady, pravidla a postupy. Z pods
Page 17 and 18: Podíl předepsaného pojistného
Page 19 and 20: Ilustrační foto: ČP a složitost
Page 21 and 22: Ilustrační foto: ČP Musím ovše
Page 23 and 24: sah chystané legislativy totiž bu
Page 25 and 26: On-line produkty a služby se již
Page 27 and 28: povinnosti úhrady za neoprávněn
Page 29 and 30: pojistí přímo na místě. Zatím
Page 31 and 32: jak krýt rizika dalších opravdu
Page 33 and 34: mestnanca, ako aj pre zamestnávate
Page 35 and 36: najít na stránce http://www.abi.o
Page 37 and 38: Z domova Interní audit: nejen „p
Page 39 and 40: postupů a vznik samostatných útv
Page 41 and 42: ČSOB Pojišťovna - 14. července
Page 43 and 44: the fund pillar for savers when the
Page 45: What role should commercial insuran

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