[00:01] Hi, Dr. Lucy. [00:01] Hello, good afternoon. [00:04] Good afternoon. [00:05] This is Demeter, insurance company PVZP. [00:08] It is regarding health insurance for foreigners. [00:10] Oh, hi. [00:12] Hello. [00:13] Actually, I'm calling you from online department. [00:16] Based on your calculation, which you see under this phone number in our system, [00:20] under the name Lucy Gahm, sorry for my pronunciation. [00:24] Is it correct? [00:25] No, Lucy Gahm, yes. [00:26] Oh, thank you very much. [00:28] And I would like to inform you that at the moment, [00:32] we can offer special discount for comprehensive health insurance [00:36] until 23rd of November. [00:39] Because on our website, you could see automatically applied discounted price, [00:45] but only 10%. [00:47] But with us, with online department, [00:49] it will be possible to apply this additional discount 25% [00:52] for comprehensive health insurance. [00:54] And I'll be glad to assist you and provide you with information [00:57] what we can offer you based on the data in your calculation. [01:00] And in case if you will have some questions, [01:03] I will be glad to assist you with all your questions regarding health insurance. [01:06] Okay. [01:07] I'm really sorry. [01:09] I didn't get the name of your company [01:11] because I was looking at several different options. [01:14] So can you just... [01:15] Yes, yes. [01:16] It is PVZP, health insurance company. [01:19] Oh, okay. [01:19] Thank you. [01:20] Subsidiary company from VZP, which is public health insurance company. [01:24] Okay. [01:25] So the thing is, in my case, [01:27] I had a health insurance in Austria, where I'm originally from. [01:31] But for... [01:34] Some kind of law. [01:35] I feel like I had like a... [01:38] How should I explain it correctly? [01:40] So I had a compulsory insurance through a different system in Austria. [01:45] And now this has ended. [01:47] I have to have like a... [01:50] Not a private... [01:51] So it's like a different type of insurance, [01:56] but because there's a law in Czech Republic, [01:59] they told me in Austria I can't have this insurance. [02:02] So that's why I'm looking for one in Prague. [02:06] And the only thing that is really important to me [02:09] is like a few years ago, I had a brain operation. [02:13] So I just want to make sure whatever insurance I have, [02:17] I'm able to go to a neurologist and do an MRI next year [02:22] and to check up if everything's okay. [02:24] Or if I can do this back in Austria, if I have insurance here. [02:29] So it would be covered. [02:30] So the thing is, like, it would be nice to be able to go in Austria to do... [02:36] The MRI and to talk to the doctors there because they did the operation. [02:40] But I would be fine if it's in Prague. [02:42] I just need to know how it works and how it would be. [02:45] Or if I have the basic insurance, I can go there, [02:50] but I still need to pay additional money to get the MRI [02:54] and to talk to the doctor. [02:57] Thank you very much for this information. [03:01] In that case, we recommend to proceed with comprehensive health insurance exclusive type. [03:06] This is our best... [03:08] This product, which covers new health issues and pre-existing condition [03:12] or health issues from the past. [03:14] But in order to be able to conclude this type of insurance, [03:19] it will be needed to provide personal data [03:21] and it will be needed to fill out health questionnaire form. [03:26] If at least one answer to the health condition question will be yes, [03:34] in that case, it will be needed to forward this information to our health... [03:38] Our head office for decision-making. [03:40] And only after decision-making, after this evaluation process, [03:46] it usually takes a few working days, sometimes more than one week, [03:50] it will be possible to provide with a response from them [03:53] and it will be possible to finalize this conclusion process [03:58] to prepare draft contract and payment details. [04:00] So, in that case, the price of exclusive type, [04:05] for example, at the moment, with this special discount, [04:08] this price could be... [04:10] 29,775 check rounds. [04:14] So, this is discounted price. [04:17] But in case of evaluation process, [04:20] in case of pre-existing condition or health issues from the past, [04:24] the final price will be set by our head office [04:28] after this, let's say, decision-making process. [04:32] So, this price could be the same, but could be changed upwards. [04:36] It depends on the health condition of the client. [04:39] So, this is... [04:43] This is actually the best option [04:46] to have this pre-existing condition covered with this insurance. [04:51] Because we have another type of comprehensive health insurance, [04:55] type plus, which doesn't cover pre-existing condition [04:59] and it will be possible to conclude this type of insurance immediately [05:03] without this evaluation process. [05:05] And the price is fixed. [05:07] And the price is for 22 months, 29,910 check rounds. [05:13] It is discounted. [05:14] It is discounted price. [05:15] Sorry, can you repeat that? [05:16] Yes. [05:18] So, actually, we have two types of comprehensive health insurance. [05:21] It is type plus and exclusive type. [05:24] And the main difference between them, [05:26] that type plus doesn't cover pre-existing condition. [05:28] And only exclusive type covers pre-existing condition. [05:33] Okay. [05:34] In case of type plus, we have fixed price. [05:37] And it will be possible to proceed with concluding immediately. [05:41] With exclusive type, in case if at least one answer... [05:47] To the health condition questions, yes. [05:50] So, it will be possible to conclude this insurance [05:53] on the after evaluation process. [05:54] And it will be needed to fill out health questionnaire form. [05:58] Okay. [05:59] And also, if you have some medical reports [06:03] regarding this pre-existing condition or which... [06:09] If you have opportunity, [06:11] you can just send it along with this health questionnaire form. [06:16] We can forward all this information [06:18] to our head office for decision-making. [06:20] And once we receive a response from them, [06:23] so we will inform you about the result, [06:26] about this response from them. [06:29] Okay. [06:30] I have two questions. [06:32] So, the price you said, the 29,700 something, [06:36] they are for 22 months or for a year or... [06:40] No, it is final discounted price for 22 months. [06:44] Okay, fine. [06:45] And the second question, the pre-existing condition, [06:50] if technically this, what I have to do is just to make like a... [06:56] How do you say? [06:57] It should just be like a control. [07:00] Wait, I will try to find the control, I mean. [07:05] Sorry about that. [07:07] No, it's okay. [07:09] It's okay. [07:09] Take your time. [07:10] So, it's just like a check-up. [07:13] And technically, I have nothing. [07:16] So, is this still like an issue [07:19] because I had this operation beforehand? [07:21] Because it's like... [07:22] There has been something [07:23] because technically there's nothing just now. [07:25] It's just a check-up. [07:26] So, I suppose that everything will be in order. [07:29] It's just like a... [07:31] It's just procedure. [07:32] So, if we have one of the answers, yes, [07:36] so only in that case it will be needed [07:39] to forward this information for decision-making. [07:43] So, they will check information [07:45] and maybe this price will be the same. [07:48] Maybe it will be changed upwards. [07:50] But it just... [07:51] It will be needed. [07:52] We have... [07:53] To forward this information to our head office [07:55] only in case if we will receive information [07:58] in this health questionnaire form [07:59] like answer to the health condition questions, [08:01] at least one answer, yes. [08:03] Okay. [08:05] Can you maybe forward me this information [08:09] you gave me just now to my email address [08:12] so I can just read it when I have time [08:14] and just make sure everything is... [08:16] Yes, of course. [08:17] I will prepare for you this price offer for 22 months [08:20] with a special discount. [08:21] Then I will send you information [08:24] about these types of insurance [08:26] and differences between them. [08:29] And also, I will send you health questionnaire form. [08:32] So, you will be able to check all the information once again [08:36] along with terms and conditions [08:37] in case if you will have some questions later, [08:40] maybe you can verify and clarify any information [08:43] via email or by phone as you prefer [08:45] and I will be glad to assist you. [08:47] Okay. [08:48] Fine. [08:49] Thank you very much. [08:50] You're welcome. [08:51] Thank you, too. [08:52] Thank you for your time. [08:53] Have a good day. [08:54] Bye-bye. [08:55] Thank you. [08:55] Thank you. [08:56] Goodbye.