[00:01] Hello this is Nina Ointier from BVZP insurance, health insurance for foreigners from Czech Republic. [00:06] I'm reaching out because you recently used our website to calculate health insurance [00:12] and I see that you are looking for 12 months for Romania, is that correct? [00:17] Yes, yes, yes for myself. Actually I am currently in the BVZP insurance but I'm going to quit my job [00:27] so I have to buy my own insurance and so I was thinking is it possible to buy BVZP or something [00:34] and then I come across BVZP. Yes you can buy BVZP because yes there is a BVZP and also BVZP. [00:46] We are a data company from BVZP and BVZP is public health insurance and BVZP is commercial health [00:53] insurance for foreigners that doesn't have the public health insurance. So in your case you will [00:57] need the BVZP that is us and you will pay for yourself and if you have the BVZP then your [01:05] employer usually pays by yeah yeah yeah so on uh until 26th I will be covered but after 26th of [01:15] February I will be making my own insurance so that's why I wanted to know how much it cost and [01:22] sure and you I see that you are looking for one year yes yeah yes [01:28] yes for one year I'm living here already uh for seven years and yeah so now um I'm looking for one [01:38] year for now yes uh you can just in the future buy a new insurance that is no problem at all [01:43] so for the one year it will be twenty three thousand four hundred ninety check on it is [01:48] very similar to public health insurance it covers hospitalization preventive checkups [01:53] prescribed medication also the cord dental treatment with the whole limit of 10 million [01:58] check on uh only difference from the public health insurance is that you will need to pay [02:05] the whole premium before the start of the insurance so you can pay by month but you will [02:10] need the whole amount pay before the start of the insurance also when you go to the doctors you will [02:16] need to call or to our assistant link and they will find you a suitable doctor for you so you [02:22] can't go to any doctor you need to call to our assistant link but don't worry we have a contracted [02:28] doctors over four thousand in the whole Czech Republic so you will always find a doctor okay [02:35] okay so whenever I need to take an appointment I have to call you guys and then you will associate [02:42] us to the doctor and then I have to call a doctor or you don't have to call any doctor [02:49] uh we will arrange everything for you just you will need to call to our assistant link not to [02:55] us directly to our colleagues and uh 24 7 so when you need to go to the doctors just call them and [03:01] they will find you the nearest doctor for you okay and they will book an appointment as well so okay [03:08] okay and is it also possible to cover the um pregnancy or maternity time it depends are you [03:18] pregnant right now no not now but in the future I'm asking yes in that case uh if you are not [03:24] pregnant yet we have norm uh two types of insurance for the pregnant ladies uh first one is that with [03:32] um waiting period for the preventive control it will be three months and for the birth itself it [03:40] will be eight months but also we have a special kind of insurance that has no waiting period [03:46] but the price is a little higher than the normal standard one so I really recommend [03:53] having the comprehensive health insurance for one year and if you get pregnant after [03:58] one two months then your checkups will be covered by this insurance [04:04] okay okay and um also uh so it will be 23 500. that is right and do you have any pre-existing [04:16] conditions are you taking any medications in the moment at the moment um I'm just uh taking a [04:23] thyroid pill like hypothyroidism in that case we have two types of insurance as well for that [04:31] we have exclusive and close the exclusive one covers the pre-existing condition that means [04:36] uh the preventive pro checkups or the medication will be covered by that but before that we will [04:42] need to send your health questionnaire to our doctors for review it takes usually two to three [04:48] weeks and the price will be a little higher is it not possible to you like because I'm already here [04:56] and uh you can get the data from vgp insurance no because the vcp is a different company from that we are like [05:08] the sister company of the vcp but we have our own system or central so if you want to go to [05:17] the commercial health insurance then yeah you will need to go through already okay it's not something [05:23] I have like a pre-existing I mean I'm okay with the going for the [05:32] comprehensive health insurance but also I want to know that um in this uh when I was [05:40] looking at the website there are like two or three uh kinds of insurance with the similar [05:48] uh money like the fee so I don't understand and that's why I was wondering which I could [05:56] call you uh I could explain you all of them we have the uh lowest price for the basic health [06:03] insurance standard for 6 390 chequered but it is basic health insurance with limit of the 60 000 [06:12] chequered and also it covers only urgent treatment due to sudden accidents or illness so if you broke [06:18] your arms then the first checkup will be covered by that but after that everything will be covered [06:24] by you okay so it is only urgent and yeah also we have a basic health insurance comfort [06:30] that is also basic health insurance so it will cover only the first aid [06:34] but has limits up to 10 million chequered so the coverage is better but it will cover 10 [06:42] same as the basic health insurance standard and then you have the comprehensive health insurance [06:47] plus and exclusive they are very similar the difference is the exclusive covers the [06:51] pre-existing conditions you will need to go through a process of revives through our doctors [06:57] or the plus I can offer you with the fixed price of 23 590 chequered but it won't cover your [07:05] pre-existing conditions so it won't be covered your preventive checkups at the andrology or your [07:12] medications won't be covered by this insurance but if in the future if you have a new health condition [07:18] condition then it will be covered during the coverage of that insurance so one year okay so [07:24] I would rather choose this pre-existing one because I think the cost is similar and it would [07:32] be better yeah the thing is the exclusive has not it has not a fixed price now that you have a pre-existing condition [07:42] then we will need to go through a revive so we will need to send it to our doctors your health [07:48] questionnaire so the price will be a little higher depending on your health issue right now okay and [07:56] like because it's a normal condition like you know yeah yes yes but it must be calculated so how will [08:05] we be paying for you in the future so the price cannot stay like how you are seeing so after the [08:14] checkup you will get to you will let me know how much it will be that is right fully yes it fully [08:22] depends on our doctors so you we have 11 days I think yes for 27th of february you need to pay yeah [08:33] yes yes so we have 11 days no actually I would I would like to pay on 26th because on 26th yeah [08:42] because on 26th I will be uh going for the visa uh on uh independent oh like uh yeah yeah yeah [08:49] so you need also a visa for now yes yeah yeah yeah yes in that case yes you are 100% [08:57] need the comprehensive health insurance and I think we can't review in the 10 days but we can [09:06] try so for now I will send you the price of what's your email with the health questioner please fill [09:12] them out send it back to me as soon as possible so I can send it to our doctors and I will ask them [09:18] if can if they can review as soon as possible so you will have for your visa approval yeah [09:26] if they can't review before your appointment then we can make the plus plan for now and you will [09:34] have the visa and you will have the health insurance and once they approve your exclusive [09:41] then we can cancel the plus plan and we will uh refund you use the amount okay is that possible [09:50] for you yeah so and uh so the amount would be the same for the plus one as well yes the plans [09:58] the plus plan will has a fixed price so the price will be yeah yeah yes right but uh exclusive plan [10:05] will be higher than you are seeing now but it will cover your condition uh the question and everything [10:13] yes I've sent it to your email annopma.feb1@gmail.com yeah yeah that's correct yeah so I've just sent it [10:23] to your email and if you have any questions don't uh hesitate to contact me you can just call me or [10:30] write me an email yes okay okay thank you so much okay thank you have a nice day bye have a nice day [10:37] bye bye