Uočeni problemi prilikom izdavanja polisa autoodgovornosti po Bonus-malus sistemu
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Administratori u osiguravajućim društvima otklanjaju sistemske greške
Podgorica 26.02.2016.

Od prvog februara počeo je sa primjenom Sistem tarifa premija osiguranja autoodgovornosti, što znači da se od ovog datuma primjenjuje i bonus – malus sistem na sva novozaključena ili osiguranja koja se budu obnavljala (produžavala) za narednu godinu.

Sistem  smanjenja odnosno povećanja premije (bonus – malus) primjenjuje se na osnovu podataka Informacionog centra ili na osnovu polise i potvrde društva za osiguranje koja sadrži podatke o prethodnom trajanju osiguranja i broju šteta koje su prijavljene u tom periodu.

Jedinstveni sistem obrade i izdavanja polisa je uočio  probleme koji se javljaju na terenu,  prilikom obnove osguranja, kada  zastupnik osiguranja u sistemu ne prepozna polisu te nerijetko osiguraniku daje oprečne informacije.

 

 

Prema riječima Borisa Šabana, izvršnog direktora NBOCG, postavlja se često pitanje, koja je procedura kada se prilikom obnove osiguranja polisa ne detektuje u sistemu, a osiguranik ima važeći primjerak polise kod sebe, dok je takođe neophodno objasniti i slučaj kada se osiguraniku zbog greške u kucanju ne dodijeli pravilan premijski razred.

“U ovim slučajevima  je zastupnik koji prodaje polisu u obavezi da obavijesti administartora društva za koje izdaje novu polisu o grešci.

Administrator društva unosi korekciju  u sistem nakon čega će zastupnik moći da izda polisu sa odgovarajućim premijskim stepenom.” – zaključuje Šaban.

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