[00:01] Hello, Insurance Company PVZP. My name is Victoria Ciocco. How can I help you? [00:04] Hello. Good morning. My name is Michael Robbins. [00:09] And I have previously had coverage through PVZP, and my coverage currently expires on 27 February, and I need to arrange for new coverage. [00:23] Okay. I see this contract for Michael Robbins. [00:29] May I ask you if you would like to proceed with the same coverage, or if you would like maybe to extend your coverage to comprehensive? [00:37] Previously, you concluded basic type of insurance. [00:40] You're correct. I'd like to – so I have recently received my three-year residence permit, and I had understood – well, so I think there was a mistake, [00:53] because I thought once I had the initial three-year residence permit, I could arrange insurance locally. [00:59] I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. I'm sorry. [01:06] That is not correct. I will need commercial – commercial – no, I'm not pronouncing that right. [01:16] Commercial insurance, I think. [01:19] Commercial. [01:20] Yeah. [01:21] Mm-hmm. [01:22] That's PVZP, right? [01:24] Yes, yes. PVZP, we offer commercial insurance for foreigners who couldn't be registered to public insurance system, like in your case. [01:32] May I ask you, I see here that you calculated insurance for two years here. [01:39] Just a second. [01:41] Yes, for one year. [01:43] What would be the duration of insurance you would like to conclude? [01:47] What I would like to do is two years, because that will be the earliest I can apply for permanent residency. [01:54] Mm-hmm. Mm-hmm. I see. [01:56] So, in that case, we could offer you two options, which will be sufficient, of comprehensive health insurance. [02:02] Both of these options are pretty similar to public health insurance, covering checkups with doctors, prescribed medicine, hospitalization, emergency dental treatment, operations. [02:13] We have there two products of this. [02:17] It is Exclusive and Plus. [02:19] A main difference is that Plus covers only new health issues. [02:23] That means it is excluding pre-existing health conditions, like chronic disease. [02:27] When Exclusive is our best product, which is without exclusions. [02:32] Regarding the pricing, price for Exclusive, it is 45,740 check rounds. [02:40] There is a standard price if client has all answers no in health questionnaire. [02:47] The option has fixed price, so regardless answers about health, it is 45,950 check rounds. [02:56] I think I would like Exclusive. [03:01] The only questions I would answer yes to are, I do have two medications I take, Centroid, they're very standard, Centroid and Robostatin, 10 milligrams. [03:16] Mm-hmm. [03:17] How long do they take? [03:19] If I answer the questionnaire, would it be possible to get insurance coverage on Exclusive before my current insurance expires on the 28th? [03:29] So, in that case, if you have answers yes in health questionnaire, to proceed with Exclusive plan, which will cover pre-existing conditions as well, we need to send information to our head office. [03:43] Regarding time limits, regularly we receive their answer within three weeks. [03:49] If you have answers yes in health questionnaire, they will provide you with an additional information, for example, if you are in a hurry like time-bounded, we could offer you a plus or a minus, and if you are in a hurry like time-bounded, we could offer you a plus or a minus, and if you are in a hurry like time-bounded, we could offer you a plus or a minus, and if you are in a hurry like time-bounded, we could offer you a plus or a minus, and if you are in a hurry like time-bounded, we could offer you a plus or a minus, and if you are in a hurry like time-bounded, we could offer you a plus or a minus, and so on. [04:19] If you are in a hurry like time-bounded, we could offer you a plus or a minus, and if you are in a hurry like time-bounded, we could offer you a plus or a minus, and so on. [04:51] Plus, does that mean that prescriptions that I already am receiving would not be covered? [04:58] No, no be covered. [05:01] For example, any treatment or medication related to this pre-existing illness or this health issue, according to which you are taking this prescribed medication. [05:13] Here's what I would like to do then, is I would like to go ahead and elect for the exclusive. [05:22] I will fill out the questionnaire once it's sent to me immediately, and I will, if I, Thursday, if you don't have an answer, I may do is may elect to simply do a shorter coverage of something inexpensive until you can answer back on the occasion. [05:41] Sure, sure, sure, later you will be able to switch to this better product and cancel the plus, just in case. [05:48] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] Okay, so we will send you this health questionnaire, it will be required to proceed. [05:53] , please wait. [05:55] PDF, like an electronic version of this document. You could electronically fill in this form, or you could print it, fill in, and send us back. [06:08] I got it. Yeah, no, I can print the PDF, not a problem. [06:12] Okay, okay. So please wait, and we will assist you. Thank you so much for cooperation. [06:17] Okay, thank you. [06:19] Have a nice day. Bye.