[00:00] Good afternoon. I speak a little bit Czech, but it will be just faster in English. [00:18] I have a question. Thank you so much. I have a question. So we are Ukrainians here on the [00:26] protection visa and we will be switching to ZDP this year, which is before, but I think [00:32] you're aware of it. So I'm here with my parents and my parents are 74 and 75. So we will have [00:40] to switch from VZP. Right now I'm on OSEV and I pay to VZP and my parents are automatically [00:47] on VZP and they are paid by the government. So I was, I just want to understand, you know, [00:53] in my head, how we will switch to PVZP. [00:56] VZP potentially and approximately the payments, you know, what kind of assurances would be [01:02] best for us, you know, to keep it, to keep it like, you know, normal, have the coverage, [01:07] but at the same time, yeah, but at the same time, not like paying crazy amounts of money. [01:12] I understand. Well, so first thing I would say that when you will switch for our insurance, [01:19] it's the commercial insurance. So, you know, it's not like the public insurance that you [01:25] can pay monthly. [01:26] Yeah. [01:27] Everyone has to be paid first in full, the whole amount. And that's when it gets, like [01:32] you said, a little bit crazy because the amount is going to be, of course, higher and especially [01:36] when you get to pay it first. And we have, for the long term, you will probably do it [01:43] for like a year or for the whole time your parents are going to be staying here. You [01:49] have idea for how long you're going to be arranging the insurance? [01:51] Yeah. Well, we're going to have the DP for five years, but I don't think I will be paying [01:56] for five. [01:57] Five years straight away. Yeah. [01:59] Yeah. I understand. Well, so I can, I'll try to, you know, make it some idea for you [02:05] how much and what's the payment. So of course we can offer, you know, the basic health insurance, [02:11] but this one offering only the very urgent immediate care. So it's in a case, you know, [02:16] of some health risk emergency and this doesn't cover anything else. And this one is possible, [02:28] right? [02:29] Mm-hmm. [02:30] Yeah. [02:31] Mm-hmm. [02:32] Okay. So you have to arrange the price. Just a moment, please. The price for months [02:35] is, so the standard, which is the, there is the coverage limit, 60,000 euro and, or actually [02:53] 1,800,000 crowns. And that's the basic limit for the coverage, coverage for the insured [02:59] event. And the price is 700 crowns per month. [03:02] Mm-hmm. [03:03] Mm-hmm. [03:03] Mm-hmm. [03:05] Mm-hmm. [03:06] And if you would have the higher coverage per person, and if you would have the higher [03:13] coverage, which is 400,000 euro, so that price would be 1,600 per month. [03:20] I mean, yeah. [03:23] That's, you know, that's just the basic, that doesn't cover anything but the main emergency. [03:28] Okay. [03:29] Mm-hmm. [03:30] But if you would want to have kind of, you know, similar insurance that you have at this [03:33] moment, the public insurance, that's the comprehensive health insurance. And that's where, you know, [03:39] we're getting into a little higher prices because, you know, the coverage is, the preventive [03:44] checkups, it's got, it's got, you know, the same that you are used to now. So everything [03:49] that is covered by the public health insurance, up to that limit, it will be covered by this [03:53] comprehensive. [03:54] Okay. [03:55] So for your parents, that would be 14,760 per month. [04:01] 14,000? [04:03] Yes, 14,000, almost 15,000 per month for one person. Yes. [04:09] No, I mean, 14,000, it's like, it's like $600, $700? [04:16] Well, I think it's actually more than $100 with the exchange rate. [04:22] No, I mean, it's 600, $700. [04:25] Yes. [04:26] Like... [04:27] That might be... [04:28] Not, you mean not 1,400, but... [04:30] No, no, I, what I said, yeah, I mean, truly the 15,000. So yeah, that's like, yeah, that's [04:35] like over $700 a month, like 620 Euro at this moment. [04:40] So that's for one person. And it's because, you know, of course, like you said, it's the [04:45] category that it's 70 and above. So of course the insurance is a little higher because it's [04:50] expected that, you know, the seniors could have healthy issues. So that's why, yes, the [04:56] coverage is much higher. [04:58] Okay. And the basic is 700 and it is 700 for the, like, some events, yes? [05:07] But that's only, you know, the events that, let's say, you know, you're, I don't say any [05:12] bad example, but something really serious would happen. They would have to be taken to [05:16] the hospital and basically to save their life. That would be, you know, the initial saving. [05:24] But then, you know, if they would have to stay in a hospital longer and have, you know, [05:28] the longer care, that would not be covered by this insurance and you would have to pay [05:33] for the hospitalization. Yes. [05:35] I understand. But paying as well every month, 1,400 Euro. [05:39] Per one person. Yes. So you would be... [05:41] Like 1,400 for both. [05:42] It's 1,400 Euros each month. So it's like, it's like, yeah, no. [05:48] Yeah, that's a big amount. I mean, like, I can tell you, if you would want it for 12 [05:53] months, then we're getting for one person, you know, up to like 143,000. [05:57] Exactly. Wow. [05:58] Well, yeah, I mean, like I said, it's all just because unfortunately, you know, the [06:05] age, because it's expected, you know, that the treatment or there will be some... [06:09] Yeah, but basic is available for them as well, right? [06:11] Basic is available for them. [06:13] Basic is available for them as well. 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