[00:00] Dobry den, české pojištění o telefono Antonu Hrasiuta, jak vám mohou pomoci? [00:03] Dobry den, Anton, mluvíte anglicky? [00:07] Myslím, že jo, my mluvíme anglicky. [00:10] Yes, yes, yes. [00:11] Yeah, hey there. [00:13] This is Evgeny, Eugene, whichever is preferable. [00:17] I was calling back to you regarding buying an insurance for the next three months. [00:25] I think we discussed that with you, and I unfortunately wasn't really able to get to the... [00:31] To the mail or, you know, to get a phone because... [00:35] Yeah, I see your email, that's one hour ago, yeah. [00:37] So, regarding this insurance exclusive, the minimum duration of this insurance policy is four months. [00:43] Oh, yeah, four months, yep, yep, that's okay, that's okay. [00:46] We can conclude insurance exclusive for four months, but it will be also new insurance policy with a new number of insurance cards. [00:54] So, we will receive the same coverage in exclusive, but it will be with a new policy. [01:01] So, I will reply to your email and send you a list of details which we will need for concluding this insurance. [01:08] So, please update your personal details in a health questionnaire form as you're replying to email, [01:14] and after I will prepare for your draft insurance contract, which you can pay online. [01:17] Okay, I can pay that today, and it will be active, like, right from the 1st of March. [01:24] Is that correct? [01:25] Yes, yes, this is correct. [01:26] Regarding this insurance exclusive, we can conclude insurance immediately, like, you know, [01:31] in the same day in case of in a health questionnaire form, will be all answers no. [01:36] In case we have answer yes in a health questionnaire form, [01:39] we should forward your request to our doctor for checkup. [01:46] So, I don't know exactly which answer will be in your health questionnaire form. [01:51] Okay, okay, okay, hold on a sec. [01:55] Okay, so, first things first, regarding the time when the insurance gets active, [02:01] I have already signed the termination agreement with my current employer, [02:06] so my current employer-provided insurance is going to expire, I think, 28th or 29th of February, [02:15] essentially the last day of February, right? [02:17] So, I mean, it's going to be okay, there will be no gaps in insurance coverage, nothing. [02:25] Yeah, I understood, but we have a time for this, because usually this process, [02:31] of assessment by doctor, will take one to business days, and until Friday, [02:36] we have a few business days to be sure that if we can conclude insurance exclusive [02:44] with you from 1st of March, or we will need more time. [02:48] In case we will need more time, I can propose you, for example, conclude insurance plus [02:55] for one month, as a comprehensive insurance for a minimum duration of one month, [02:59] Okay. [03:00] and we will start the process of concluding insurance exclusive. [03:05] It will depend on the health question form, which exactly condition will be mentioned [03:12] in the health question form, and based on your reply, I can give you more information, [03:17] if it will take more time, or after assessment of our doctor, we will have, like, a list [03:23] of personal, not personal, like a list of medical documents, which you will need for [03:29] concluding this insurance. [03:30] Or maybe we will conclude immediately after assessment, so I don't know exactly. [03:35] Okay, okay, so to simplify it for my people, human brain, just to clear up, so in order [03:44] to, essentially, sign a new insurance contract, a GP needs to take a look at me anyway, right? [03:51] No, no, we need only your health questionnaire form, which should be assessed by our doctor. [03:57] No, you don't need to go to any check-up. [03:59] Okay, okay, okay, okay, yeah, then it should be simple enough, and in case the doctor will [04:05] need more time to assess my medical condition and answer the questions, you will let me [04:11] know and there will be, like, an extra one month buffer of the PLUS insurance, right? [04:16] Yes, yes, so you don't have this gap between your public health insurance and commercial [04:23] one, so maybe the best way to conclude insurance PLUS, and discussing and processing commercial [04:27] insurance, that's the best way to conclude insurance PLUS, and discussing and processing [04:28] commercial insurance, that's the best way to conclude insurance PLUS, and discussing and processing [04:29] commercial insurance, that's the best way to conclude insurance PLUS, and discussing and processing commercial [04:29] with concluding insurance exclusive for you for next time. Because after this assessment, [04:35] first assessment, we will get information based on which we can make next steps. Maybe it's going [04:42] to full medical checkup or some adding some medical documents which you already have, [04:47] or just clarify some questions and we can conclude insurance immediately. So we will see. [04:55] Okay. Okay. Okay. Okay. Understood. Okay. Yeah, that's okay. Regarding the card, [05:02] regarding the insurance card and policy number, my question was mostly related, you know, to, [05:10] okay, so just a quick reminder, I got an appointment to a psychiatrist, I think, [05:17] on 9th of March. And the thing is, I just wanted to, you know, just, you know, get back to it, [05:23] get my meds and, you know, just... [05:25] Be on my way. The thing is that if I'm changing my insurance policy, which I didn't exactly plan [05:30] when I accepted that appointment beforehand in the beginning of February, you know, [05:38] am I essentially going to have to reschedule the doctor's appointment or it's possible to save it? [05:46] No, you can save it because in case if we conclude insurance exclusive and is it our, like, [05:56] list of contract facilities from PVZP, this doctor, you just clarify, you will call to assistance [06:04] info line service and operator will send guarantee letter directly to doctor. When you go to a visit [06:10] of doctor, they will find your new policy number in the system and will accept it and going to, [06:18] like, all payments should be go to insurance company. In case if you will have insurance, [06:26] insurance plus until the moment of visit doctor. So, in this case, you can go to the same doctor, [06:32] but for this checkup or visit, you should pay from your pocket because insurance plus not include [06:39] pre-existing condition. Okay. Can you please clarify on this further? I can specify the doctor [06:48] and the clinic that I have an appointment with because it is not exactly, you know, it's not [06:56] the clinic that the corporation has a contract with, right? So, it was, you know, just looking [07:02] in general for PVZP psychiatrist. So, yeah. I can send you this list of contract facilities to your [07:11] email. No, no, no, no, no. Hold on. I mean, that's literally the way that I found this doctor, [07:20] right? It wasn't related to the corporate insurance specifically, right? It wasn't Penta [07:27] Clinic that my company had a contract with. So, I had to find him manually and to my understanding, [07:33] at least, right? He was covered by my previous insurance, which is, you know, aside from the [07:40] specific contract with Penta Clinic was also covering, like, you know, general PVZP insurance, [07:46] right? So, that's essentially my question if I'm losing that because essentially all I need to do [07:56] is I need to find a doctor. So, I can send you this list of contract facilities to your email. [07:58] I can come to the doctor, again, and confirm my prescription medication and also, well, after that, [08:04] get the prescription medication. That's it. It's, you know, just, you know, essentially a follow-up [08:09] checkup, making sure that the medication itself is working. Yeah, but I see that it's not a part [08:18] of PVZP. Is it work with PVZP, but not with PVZP? PVZP is a part of PVZP companies. It's two [08:29] and they have different list of contract facilities. Okay. Okay. So, Remedis is working with VZP and not [08:35] PVZP, right? Yeah. At least not under the PLOS insurance. PLOS or Exclusive is the same because [08:41] the PLOS and Exclusive is a difference in coverage, but list of contract facilities is the same. [08:47] In commercial insurance, the list of contract facilities is not like [08:53] normally have in public health insurance system, but PVZP have this list as the biggest, [08:59] from other companies, opposite of the companies like Slavia, HVP or SV company, [09:05] which we cooperate and, but it's not like the same list which have VZP. So, [09:14] in case if you will conclude insurance PVZP, PLOS or Exclusive, is the process is the same. So, [09:22] if you will go to this Penta Clinic, to this medical checkup or visit doctor for next [09:29] prescription, you should pay the service for yourself. Okay. Okay. Okay. Okay. Okay. [09:36] Okay. Hold on. Again. Okay. Let's narrow this down. I'm sorry if that's a bit tiresome, [09:42] just really need that specific appointment and that specific doctor. As you might have, [09:48] as you probably know, finding a good psychiatrist and getting the meds can be somewhat of a problem [09:53] in Prague in general. Okay. So, the doctor is Dr. Jaromilkov. He is working for Remedius Clinic [10:01] and he is not part of the, and as far as I, and I found him through VZP. Can you check if [10:09] his services are being covered by the Exclusive Insurance Plan? [10:17] Also, one more time, name of doctor? Dr. Jaromilkov, I think. He's a psychiatrist at [10:25] Remedius. Mm-hmm. So, the surname is Milkov. Jaromilkov. Jaromilkov. Mm-hmm. Yep. So, [10:57] I can't find any doctors as Jaromilkov. And for, and as for the clinic, Remedius, R-E-M-E-D-I-S. [11:09] Wait a minute. Mm-hmm. No, is it also not working with VZP or other commercial insurance [12:16] companies? Okay. Okay. You found him. You found the clinic itself specifically. Yeah, yeah, yeah. [12:23] Clinic in Prague is Vladimirova 10. It's Remedius. Okay. Give me, give me, give me a sec to really, [12:31] okay. Remedius, Dr. Jaromilkov. Okay. Martin, Dr. Martin Jaromilet. Jaromilet. No, Remedius [12:48] is a part of PVZP companies that work with PVZP. Oh, oh, they are. Yes, they are, but [12:53] I checked the list of doctors from Remedius, but it's not, no, it's also psychiatry. No, [12:59] it's in a list. So, it's correct. Okay. So, it should be, it should be without any complication [13:07] from PVZP, but regarding coverage. So, your visit of psychiatry will cover it from only [13:14] exclusive coverage, not a pass. Okay, good. Okay, okay, okay. That's fine. I mean, just [13:20] want to make, okay, just want to make sure that, you know, it's being, it's being, it's [13:24] being properly covered and everything is all right. Yeah. Okay. Yeah, that's fine. So, [13:30] we have PVZP on the web pages. So, Remedius SRO in Prague 4 work with PVZP. Okay. And [13:40] psychiatry is also one of contract facilities in Remedius. Mm-hmm. And just, you know, just [13:48] to make sure, you know, to cover my bases in case I will have to, you know, fall back [13:54] on someone else. Is psychiatry, is psychiatry covered by the PLOS insurance? Yes, it is. [14:00] Insurance is covered by PLOS, but insurance PLOS doesn't cover pre-existing condition. [14:07] Okay. So, you, this condition is already started in your situation, and it not will be covered [14:13] by any comprehensive health insurance from companies. Only, it can, it can be covered [14:19] only by cover insurance exclusive. Only by exclusive. Yes. Uh-huh. Okay. Uh-huh. Okay. [14:25] Okay. I'm, I mean, as in, you know, I mean, so, in case I'll, in case I'll cover insurance, [14:30] in case I'll have to go and, you know, in case I'll have to go through the period with [14:36] the PLOS, PLOS plan, you know, as a buffer, I'll have to pay for it myself anyway. Okay. [14:43] Got it. And, and when I'm getting exclusive, it's being covered. Is that correct? Yes. [14:50] Insurance exclusive will work without any exclusions. It has a similar coverage to [14:54] public one. Okay. Okay. That's great. Great. Got it. Then... So, I will send an email with [15:01] details and the health questionnaire form, which will be filled by yourself for processing [15:06] of concluding insurance exclusive. And, uh, when you send us, I will forward it to our [15:11] doctor, uh, from PVCP and, uh, let you know, uh, next steps. It will take a few business [15:18] days. So, I hope that until Friday, we will have a decision and we have a time for concluding [15:24] insurance PLOS anyway. Yep. I, yep. I think I'll get the paperwork done on short notice [15:29] today. That shouldn't be a problem. Okay. Okay. Thank you. Thank you. Thank you. Thank [15:31] you. Okay. Got it. Uh, many thanks Anton. Thank you. You're welcome. Thank you for calling [15:38] and have a good day. Bye. Bye. Likewise. Have a good one.