[00:01] - Hello. [00:02] - Hello, health insurance company PVZP, this is Anton. [00:05] We communicate with you regarding health insurance [00:07] and I received your email. [00:09] So before I proceed with the draft contract, [00:12] so what question do you have? [00:16] - Yeah, so just to be sure, [00:17] like because we did the terms and condition and everything, [00:21] but just to be sure, you know, [00:23] if we wanted to cancel in between the insurance, [00:27] so it will be like 3000 deduction, right? [00:30] - 3000 will be always like before the starting date [00:33] or after the starting date. [00:35] But the main difference between before [00:37] or after starting date cancellation. [00:40] So if you want to like received money back [00:43] after the starting date, [00:44] it means that it mandatory that insured policy not use it. [00:49] So you insured, but you don't have any claims [00:52] because in case if you have one claim in duration contract, [00:56] which you want to cancel it, it will be canceled. [00:58] But in this case, money not will be refunded, [01:01] like unused premium not will be refunded. [01:03] - What do you mean? [01:06] Like, so after... [01:09] - For example, we have, yeah, for example, [01:11] we have a insurance policy of insured person for one year, [01:15] and he want to cancel this insurance after six months. [01:20] He don't use this insurance policy, he will cancel it. [01:25] For example, insurance policy cost 20,000 crowns. [01:29] The half of 20,000 is 10,000 and cancellation fee 3000. [01:34] So he will receive, [01:36] 7,000 crowns back after six months, [01:41] but all the situation, the same person, [01:43] like the same age, duration and cost, [01:47] and want to cancel it in after the six months. [01:50] And this, but he have like, but one more thing, [01:55] but he have some insurance event, [02:02] like he'll go to the doctor when he have cold, [02:06] and use this insurance policy, and want to cancel it. [02:11] He can cancel it, this insurance, [02:13] but not received any money back from insurance company, [02:16] because he use this policy. [02:18] - Okay, okay. [02:19] And is this because PZP and VZP is the same, or how it is? [02:24] - No, we are like part of VZP, we are subsidiary of VZP, [02:29] but we provide commercial insurance. [02:31] VZP, public health insurance. [02:34] - Okay, okay, because that will be the same case that, [02:36] you know, my wife, she might get the job, [02:38] you know, because she has started looking for the job. [02:40] So once she get the job, then of course, [02:42] she will be insured from the employer, right? [02:45] So that is the case, I'm a little bit worried about that, [02:48] how we will cancel that time, [02:50] and how much money we can get it, [02:52] because that's important, right? [02:54] Because if we are taking for two years, [02:55] and maybe after, let's say, three months or something, [02:58] or I don't know, maybe after six months, [03:00] she will get the job, and then we can-- [03:01] - Yeah, I understand. [03:03] - So we will get like the proportionate way, like 3,000? [03:07] - 3,000 crowns, it will be maximum cancellation fee, [03:11] but for example, if you will cancel it after first month of, [03:16] for example, in December or in March next year, [03:20] it will be always maximum 3,000 crowns, [03:22] which is cancellation fee. [03:24] But like in all companies, it's the same. [03:27] If you use this insurance policy, [03:29] it means that you didn't receive money back, [03:34] as like one of point to-- [03:37] - Okay. [03:38] - And if you used it, [03:39] let's say, if you go to the doctor or if you had-- [03:41] - Yes. [03:42] - But if you didn't use at all, even once, [03:44] then basically, you will get refunded. [03:47] - We will refund it, yes. [03:49] - Ah, okay, but yeah, so it depends on the time, [03:53] like if it's like longer, and then of course, [03:55] people will get some sickness and all then. [03:58] - Yeah, yeah, yeah, I understood. [03:59] So like I understood that in some cases, [04:03] our clients conclude insurance for three years, [04:05] for example, and in the first six months, [04:08] one will go to the doctor for the standard medical checkup. [04:11] - Yeah. [04:12] - It's not like necessary or something like this, [04:14] and after we'll cancel it. [04:15] And unfortunately, based on terms and condition, [04:18] the insurance premium not will be refunded [04:21] for all period, for a rest of 30 months. [04:25] But this is one of things which you should know [04:31] regarding cancellation as a main thing, [04:33] which can like make difference. [04:38] When you cancel this insurance. [04:40] - Yeah, so basically, even once, [04:42] if you go to the doctor within this time, [04:43] you will not get refunded at all. [04:45] - Yes, yeah, so is it, like, [04:48] but is it point in all companies, [04:50] because it's like to make safety, [04:55] because in some cases, like one person [04:59] can conclude insurance, for example, [05:01] for one year, have some health problem, [05:05] uses insurance, it cover it, but it cover it, like, [05:09] only main, like, not a full, or like, [05:14] he thinks that it will be cost more than 10,000, [05:19] but it cost 1,000 crowns, and he can make a refund of this. [05:24] So. [05:26] - And this is the same, like, for other insurance as well? [05:28] Because, you know, we want the cheapest one, basically. [05:31] - Yeah, yeah, but based on my experience, [05:34] it's the same point in all companies. [05:38] - Yeah, because I know that before, [05:40] it was, like, mandatory to take just from the PZP, [05:43] but now it's, like, possible to buy from anyone, [05:46] so that's why we are exploring, [05:48] and we need it from tomorrow, basically, [05:49] because tomorrow we have appointment, [05:50] so we wanted to have it today. [05:53] - Yeah, yeah, understood. [05:54] But regarding this point of consideration, [05:56] it's probably, it's the same in all companies. [06:01] - Okay, okay, okay, okay, got it. [06:04] And the second thing is about this, [06:09] there is two, which you send me, two, [06:11] kind of comprehensive insurance. [06:13] - Yeah, I will explain the main difference [06:18] between this product is that, [06:19] insurance policy plus doesn't cover pre-existing condition, [06:23] but have a fixed price always. [06:25] Insurance exclusive is the best type of coverage [06:28] to also cover pre-existing condition, [06:30] and can be cheaper in case of any health question [06:33] or form will be all answers no. [06:35] Like, I see that you send information [06:37] that insurance person, your wife, all answers no. [06:41] She is healthy, and we can propose to this insurance [06:44] exclusive for a better price, with a better coverage. [06:47] And, but, so, but I see that I will use your phone number [06:52] to conclude this insurance, your local number. [06:57] So we can, in case we will contact you, [06:59] we will contact by this number. [07:01] I'll send the same email, this is only for correspondence. [07:05] - Yeah, she has email, of course, [07:06] but so far she don't have the check number, [07:10] so that's why I put my number. [07:11] And, and her Indian number. [07:14] But, of course, after a few days, [07:16] she will take the check number. [07:18] And so it will be, it can be changed later, right? [07:21] If you need it. [07:22] - It can be changed. [07:23] Yes, you can change it, but for Minister of Interior, [07:26] embassies do not make any difference. [07:29] Because it's only like contact personal information. [07:32] It can be for other person. [07:34] It's also like address in Czech Republic is not, [07:37] it can be different, which you have for correspondence, [07:42] which you have to leave. [07:43] So, so please wait for a draft insurance contract. [07:46] You will receive it in a few minutes. [07:48] And in email with the draft, [07:50] you will find a link for payment, [07:51] which you can use to pay the insurance online. [07:54] Do that insurance policy will start tomorrow. [07:57] Please proceed with online payment. [07:59] - Yeah, and this, one more thing, I think, [08:01] because I didn't read it. [08:03] My wife, she read it about Article 10 and 0.6. [08:06] What is that? [08:08] Is there some-- [08:09] - You mean the terms and condition, yes? [08:12] - Yeah, yeah, yeah. [08:13] She said that to just to ask you. [08:15] That's why I wrote that you can call me. [08:19] - Sure, but give me, please open it, just a moment. [08:28] So you say article which? [08:32] - Article 10.6. [08:59] - Yeah, so is it cancellation fee, [09:07] which is maximum 3,000 crowns. [09:10] - Oh, okay, okay, so it's about that, yeah. [09:12] So maybe she does. [09:15] Okay, I think, and you will send the card, [09:22] like insurance card later, once it's-- [09:25] - Insurance card, we will send it by email [09:27] to the final contract, [09:29] and also we can send by registered mail to your address. [09:33] - Okay, okay, okay, great, good. [09:36] And this is the minimum amount? [09:38] It cannot go lower? [09:42] - It's the best type, is the best price, [09:43] which I can offer to you. [09:45] Also, this discount will valid until 21st of November, [09:49] and I don't know if we have this price in the future, [09:54] because standard price for two years is 42,890 crowns. [10:00] - Okay, okay, okay, so-- [10:03] - So it really is the best offer, [10:05] which we have at the moment. [10:06] - Exclusive one, yeah, because I can see [10:08] that it's 32,018, right? [10:11] - Mm-hmm, yes. [10:12] - So yeah, we will have exclusive one for her. [10:16] - Okay, so please wait for a draft insurance contract. [10:18] You will receive it in a few minutes. [10:20] - Okay, okay, great, great, okay, thank you. [10:23] - Okay, thank you, thank you for your time, [10:25] and have a good day, bye. [10:26] - You too, bye-bye.