{"id":9354,"date":"2023-01-13T05:43:51","date_gmt":"2023-01-13T07:43:51","guid":{"rendered":"https:\/\/www.iidraudimas.lt\/?p=9354"},"modified":"2023-01-13T06:56:30","modified_gmt":"2023-01-13T08:56:30","slug":"lietuvos-indeliu-draudimo-sistema-nuo-siol-veiks-dar-efektyviau","status":"publish","type":"post","link":"https:\/\/www.iidraudimas.lt\/lt\/lietuvos-indeliu-draudimo-sistema-nuo-siol-veiks-dar-efektyviau\/","title":{"rendered":"Lietuvos ind\u0117li\u0173 draudimo sistema nuo \u0161iol veiks dar efektyviau"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9355 alignleft\" src=\"https:\/\/www.iidraudimas.lt\/content\/uploads\/2023\/01\/Ekrano-nuotrauka-2023-01-13-092853.jpg\" alt=\"\" width=\"320\" height=\"258\" srcset=\"https:\/\/www.iidraudimas.lt\/content\/uploads\/2023\/01\/Ekrano-nuotrauka-2023-01-13-092853.jpg 636w, https:\/\/www.iidraudimas.lt\/content\/uploads\/2023\/01\/Ekrano-nuotrauka-2023-01-13-092853-300x242.jpg 300w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/>2023 metais \u012fsigaliojo naujos Ind\u0117li\u0173 ir \u012fsipareigojim\u0173 investuotojams draudimo \u012fstatymo nuostatos, kuriomis siekiama sustiprinti Lietuvos ind\u0117li\u0173 draudimo sistem\u0105, \u012fvedant naujas priemones finans\u0173 sistemos stabilumui ir ind\u0117linink\u0173 apsaugai didinti bei kredito \u012fstaig\u0173 galimo nemokumo neigiamam poveikiui rinkoms ma\u017einti.<\/p>\n<p>\u012estatyme yra numatyta galimyb\u0117 ind\u0117li\u0173 draudimo i\u0161mokas i\u0161mok\u0117ti tiesiogiai per ind\u0117li\u0173 draudimo sistemos dalyv\u012f, naudojantis jo likvid\u017eiu turtu. Tokiu b\u016bdu ind\u0117li\u0173 draudimo i\u0161mokos bus dengiamos i\u0161 likviduojamos d\u0117l bankroto kredito \u012fstaigos turto ir tik tuo atveju, jei jo nepakanka, i\u0161mokos bus mokamos i\u0161 Ind\u0117li\u0173 draudimo fondo. Pasitelkiant \u0161i\u0105 priemon\u0119 draudimo i\u0161mokos i\u0161mok\u0117jimas tampa patrauklesnis ir priimtinesnis ind\u0117lininkams bei supaprastina \u0161i\u0173 i\u0161mok\u0173 i\u0161mok\u0117jimo proces\u0105, nes bus naudojama ind\u0117lininkams pa\u017e\u012fstama kredito \u012fstaigos infrastrukt\u016bra (s\u0105skaitos, padaliniai) ir proced\u016bros.<\/p>\n<p>\u0160ios priemon\u0117s leid\u017eia suma\u017einti kredito \u012fstaig\u0173 galimo nemokumo keliam\u0105 finansin\u0119 na\u0161t\u0105 ind\u0117li\u0173 draudimo sistemai ir vie\u0161\u0173j\u0173 l\u0117\u0161\u0173 poreikiui bei padidina ind\u0117li\u0173 garantij\u0173 sistemos veikimo efektyvum\u0105.<\/p>\n<p><strong>Kaip prasid\u0117s nauji metai?<\/strong><\/p>\n<p>Sustiprinta Lietuvos ind\u0117li\u0173 draudimo sistema naujus metus pradeda kitaip. Esminiai poky\u010diai \u012fsigaliojus naujos redakcijos teis\u0117s aktams:<\/p>\n<p><span class=\"break-words\"><span dir=\"ltr\">Iki 2023 m. sausio 1 d.<\/span><\/span><\/p>\n<ul>\n<li><span class=\"break-words\"><span dir=\"ltr\">Ind\u0117li\u0173 draudimo i\u0161mokos buvo mokamos i\u0161 Ind\u0117li\u0173 draudimo fondo.<\/span><\/span><\/li>\n<li><span class=\"break-words\"><span dir=\"ltr\">Draudimo i\u0161mokos buvo mokamos per draudimo mok\u0117jimo agent\u0105 \u2013 atrinkt\u0105 veikian\u010di\u0105 kredito \u012fstaig\u0105.<\/span><\/span><\/li>\n<\/ul>\n<p>Nuo 2023 m. sausio 1 d.<\/p>\n<ul>\n<li>Ind\u0117li\u0173 draudimo i\u0161mokos bus mokamos pirmiausia i\u0161 bankrutavusios kredito \u012fstaigos likvidaus turto. Ind\u0117li\u0173 draudimo fondo l\u0117\u0161os b\u016bt\u0173 panaudojamos tik tuomet, jei likvidaus turto nepakakt\u0173.<\/li>\n<li>Atsiranda alternatyva \u2013 draudimo i\u0161mokas mok\u0117ti per bankrutavusios kredito \u012fstaigos mok\u0117jim\u0173 platform\u0105.<\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><strong>Kod\u0117l taip yra geriau?<\/strong><\/p>\n<ul>\n<li><strong><u>Stabilus ind\u0117li\u0173 draudimo fondas<\/u>. <\/strong>Jeigu mokant ind\u0117li\u0173 draudimo i\u0161mokas l\u0117\u0161\u0173 pakanka i\u0161 bankrutavusios kredito \u012fstaigos likvidaus turto, ind\u0117li\u0173 draudimo fondo l\u0117\u0161os n\u0117ra naudojamos.<\/li>\n<li><strong><u>Nedidinami ind\u0117li\u0173 draudimo fondo \u012fsipareigojimai<\/u>. <\/strong>Ind\u0117li\u0173 draudimo fondui nereik\u0117s papildomai skolintis, jei l\u0117\u0161\u0173 draudimo i\u0161mokoms i\u0161mok\u0117ti pakanka i\u0161 bankrutavusios kredito \u012fstaigos likvidaus turto ir\/ar ind\u0117li\u0173 draudimo fondo.<\/li>\n<li><strong><u>Ind\u0117li\u0173 draudimo fondo skolinimosi alternatyvos i\u0161lieka<\/u>. <\/strong>Jeigu ind\u0117li\u0173 draudimo i\u0161mokoms i\u0161mok\u0117ti bankrutavusios kredito \u012fstaigos likvidaus turto ir ind\u0117li\u0173 draudimo fondo l\u0117\u0161\u0173 nepakanka, i\u0161lieka \u0161ios skolinimosi alternatyvos:\n<ul>\n<li>I\u0161 valstyb\u0117s;<\/li>\n<li>I\u0161 komercini\u0173 bank\u0173;<\/li>\n<li>I\u0161 kit\u0173 ES ind\u0117li\u0173 draudimo agent\u016br\u0173 ir pan.<\/li>\n<\/ul>\n<\/li>\n<li><strong><u>Efektyvesnis draudimo i\u0161mok\u0173 mok\u0117jimas<\/u>. <\/strong>Ind\u0117li\u0173 draudimo i\u0161mokoms mok\u0117ti b\u016bt\u0173 naudojama bankrutavusios kredito \u012fstaigos mok\u0117jim\u0173 platforma, kurioje saugomi vis\u0173 bankrutavusios kredito \u012fstaigos ind\u0117linink\u0173 duomenys, tod\u0117l ind\u0117lininkai tiesiogiai ir greitai gaut\u0173 i\u0161mokas u\u017e ind\u0117lius.<\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2023 metais \u012fsigaliojo naujos Ind\u0117li\u0173 ir \u012fsipareigojim\u0173 investuotojams draudimo \u012fstatymo nuostatos, kuriomis siekiama sustiprinti Lietuvos ind\u0117li\u0173 draudimo sistem\u0105, \u012fvedant naujas priemones finans\u0173 sistemos stabilumui ir ind\u0117linink\u0173 apsaugai didinti bei kredito \u012fstaig\u0173 galimo nemokumo neigiamam poveikiui rinkoms ma\u017einti. \u012estatyme yra numatyta galimyb\u0117 ind\u0117li\u0173 draudimo i\u0161mokas i\u0161mok\u0117ti tiesiogiai per ind\u0117li\u0173 draudimo sistemos dalyv\u012f, naudojantis jo likvid\u017eiu turtu. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9363,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-9354","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-naujienos"],"yoast_head":"\n<title>Lietuvos ind\u0117li\u0173 draudimo sistema nuo \u0161iol veiks dar efektyviau - IIdraudimas.lt<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.iidraudimas.lt\/lt\/lietuvos-indeliu-draudimo-sistema-nuo-siol-veiks-dar-efektyviau\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lietuvos ind\u0117li\u0173 draudimo sistema nuo \u0161iol veiks dar efektyviau - IIdraudimas.lt\" \/>\n<meta property=\"og:description\" content=\"2023 metais \u012fsigaliojo naujos Ind\u0117li\u0173 ir \u012fsipareigojim\u0173 investuotojams draudimo \u012fstatymo nuostatos, kuriomis siekiama sustiprinti Lietuvos ind\u0117li\u0173 draudimo sistem\u0105, \u012fvedant naujas priemones finans\u0173 sistemos stabilumui ir ind\u0117linink\u0173 apsaugai didinti bei kredito \u012fstaig\u0173 galimo nemokumo neigiamam poveikiui rinkoms ma\u017einti. \u012estatyme yra numatyta galimyb\u0117 ind\u0117li\u0173 draudimo i\u0161mokas i\u0161mok\u0117ti tiesiogiai per ind\u0117li\u0173 draudimo sistemos dalyv\u012f, naudojantis jo likvid\u017eiu turtu. 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