[00:01] Hello, Insurance company "Czeskie pojzcienie", my name is Ekaterina Čilkova. [00:06] Hello, do you hear me? [00:09] Yes, I can hear you. Please, tell me. [00:11] Okay, thank you. So, I was trying to contact you regarding calculation which you have left on our webpages. [00:17] It is insurance for 9 months for women in Czech Republic under name Anusha. It's correct? [00:24] Yes, that's right. [00:26] So, I could offer you, actually we are offering at the moment insurance from 3 insurance companies. [00:33] It is Slavia, PVZP and SV in past ergo. [00:38] Maybe you have some idea regarding insurance company or you are just doing some research now. [00:45] Yeah, I know I have idea. So, PVZP, Slavia and what is the third one you told? [00:49] PVZP, Slavia and SV. It is previously ergo, maybe you have heard about. [00:55] Okay, maybe I heard about this PVZP and Slavia, these are fine. [00:59] These two, okay. [01:02] So, in that case, I could offer you actually from both at the moment discounts from Slavia and from PVZP. [01:10] From PVZP discount will be valid as far until the 23rd of November. [01:16] From Slavia probably till the end of this month. [01:20] So, price for 9 months with the maximum discount from Slavia would be 11,115. [01:27] Check rounds from PVZP, they offer two options. [01:32] It is exclusive and plus. [01:34] Actually, the best offer it is exclusive, which is overall without any exclusions. [01:41] And price for healthy client would be in that case 13,785 check rounds. [01:49] So, these options I have mentioned. [01:53] So, may I ask you if I should send you both to your email this price offers or maybe some of them is more suitable? [02:01] No, you can send me both. [02:05] But before getting that, I want to get one more information. [02:07] Sure, sure, please. [02:10] Basically, I need this insurance for my wife to apply for a job seeking visa from let's say January 1st to September 30th. [02:20] They will give for 9 months. [02:22] But if she gets a job, let's say after one month after getting the visa or two months after getting the visa or something like that. [02:28] So, then we need to cancel this insurance. [02:32] And she needs to move to the public insurance. [02:34] Yes, sure. [02:37] In case if she will be registered to public insurance. [02:39] So, she will need to cancel this commercial insurance. [02:42] So, from Slavia. [02:44] In that case, I want to know which is better. [02:47] Which can give better refund, I mean. [02:49] So, actually Slavia offers this cancellation under condition 20% of unused premium. [03:01] It is the cancellation fee. [03:03] 20% of the unused premium. [03:05] From PVZP, it is 20% of the paid premium. [03:11] But maximum 3000 check rounds. [03:14] So, it will depend. [03:17] 3000 check rounds. [03:18] 3000 will be debited. [03:21] It is like extracted. [03:23] This cancellation fee. [03:25] When the unused amount, the rest would be refunded back. [03:29] Okay. [03:30] So, let's say if I use for two months. [03:32] And then for the remaining seven months. [03:35] So, in that seven months premium. [03:37] So, 20% will be debited. [03:39] And then remaining will be refunded. [03:41] Is it like that? [03:43] So, extracted will be first of all this cancellation fee. [03:47] And then used period. [03:48] So, for example, two months. [03:50] And afterwards, this unused, for example, seven months. [03:53] After extraction, this cancellation fee will be refunded back to you. [03:58] So, is it same in both the cases? [04:02] The amount of refund that I will get? [04:04] What do you mean in both cases? [04:08] From Slavia and PVZP? [04:09] That's right. [04:10] Both of them. [04:12] Both of them actually refund you only unused period. [04:16] And only after extraction of this cancellation fee. [04:19] So, actually this cancellation conditions pretty the same. [04:24] But it will actually depend on the insurance premium you paid. [04:29] Because from Slavia it is cancellation fee calculated already from unused period. [04:34] When from PVZP, from this premium you paid, 20%. [04:42] But maximum 3000. [04:45] Okay. [04:46] So, there they will debit maximum 3000. [04:47] But in case of Slavia, it could be more as well. [04:49] Give me a second. [04:50] I could try to check it for you. [04:51] Just a moment. [04:52] So, for example, if you pay now with this discount, 11,115 check rounds. [04:53] And in that case, well, actually it will depend on when you actually cancel this insurance. [04:54] Because, for example, if you don't pay now, you can cancel this insurance. [04:55] If you don't pay now, you can cancel this insurance. [04:56] If you don't pay now, you can cancel this insurance. [04:57] If you don't pay now, you can cancel this insurance. [05:00] But in case of Slavia, it could be more as well. [05:01] But in case of Slavia, it could be more as well. [05:02] Give me a second. [05:03] I could try to check it for you. [05:04] Just a moment. [05:05] I could try to check it for you. [05:06] Give me a second. [05:07] I could try to check it for you. [05:09] But in case of Slavia, it could be more as well. [05:10] Give me a second. [05:11] I could try to check it for you. [05:13] But in case of Slavia, it could be more as well. [05:13] Give me a second. [05:18] I could try to check it for you. [05:19] But in case of Slavia, it could be more as well. [05:20] Give me a second. [05:21] I could try to check it for you. [05:22] But in case of Slavia, it could be more as well. [05:23] Give me a second. [05:24] I could try to check it for you. [05:25] But in case of Slavia, it could be more as well. [05:26] Give me a second. [05:27] I could try to check it for you. 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