[00:03] - Hello, good afternoon. [00:05] Hello, can you hear me? [00:11] - Yeah, I can hear you. [00:12] - Thank you very much. [00:13] This is Demeter Insurance Company, PVZP, [00:16] regarding health insurance for foreigners. [00:19] - Yeah, I'm calling for my wife, yeah. [00:22] - Thank you very much. [00:23] Actually, I'm calling to you from online department. [00:27] Based on your calculation, [00:29] which I see under your phone number, [00:30] under the name Tasnia Froese, for 12 months. [00:34] Is it correct, yes? [00:35] Thank you very much. [00:36] And I would be glad to assist you [00:38] and provide you with information what we can offer [00:41] for your spouse based on the data in your calculation. [00:44] In case if you will have some questions, [00:46] I would be glad to assist you with all your questions [00:48] regarding health insurance. [00:50] - Okay, so before you start, I have just one question. [00:53] Like I can see that the comprehensive insurance [00:56] is like 9,000 something. [00:58] And I think the comprehensive last or something like this [01:02] is 23,000 or something, around 23 or 24,000, right? [01:06] Why there is a difference, like big difference? [01:08] - Mm-hmm, thank you very much. [01:11] Yes, actually, we have two types [01:13] of comprehensive health insurance. [01:15] And the main difference between plus and exclusive, [01:18] the type plus doesn't cover pre-existing condition [01:22] or health issues from the past or chronic diseases. [01:26] Exclusive type covers new health issues [01:29] and pre-existing condition. [01:31] It is similar to the public health insurance. [01:34] And regarding other differences in type plus, [01:39] we have limits. [01:41] It is 5,000 check rounds for emergency dental treatment. [01:46] And 5,000 check rounds, it is coverage limit, [01:49] for prescribed medicines by a doctor. [01:52] In exclusive type, we have only one limit. [01:55] It is 400,000 euros for this emergency dental treatment [02:00] and prescribed medication as well. [02:03] And another thing that in this comprehensive health insurance, [02:09] we have benefits named, [02:12] the superior standard limit. [02:14] And in exclusive type, it is 300 check rounds for one month. [02:21] In type plus, it is 200 check rounds for one month. [02:24] So in case if you would like to proceed with 12 months, [02:28] in exclusive type, this amount is 3,600 check rounds. [02:33] In type plus, it is 2,400 check rounds. [02:37] And it is possible to use this amount [02:40] to cover expenses related to an insurance event that [02:45] is not covered fully. [02:48] It is like some kind of medical services such as dental hygiene [02:52] or superior standard dental material like white fillings [02:57] or medicines purchased over the counter without prescription. [03:02] So just good option to use in case if it will be needed. [03:06] And also coverage in the Schengen area, [03:08] both of them, it is possible free of charge at the moment. [03:14] So actually, we always recommend to proceed with exclusive type, [03:17] especially when the client is healthy. [03:19] It will be needed to answer to the health condition questions. [03:23] And if all answers no, [03:26] so we can proceed with exclusive type immediately [03:28] and the price will be the same [03:30] and it will be a little bit cheaper. [03:33] With type plus, so this type of insurance has fixed price. [03:39] And for example, if at least-- [03:40] - How much was the price, I forgot like, [03:42] I remember that like the approximate amount [03:46] I forgot the actual price, it's like 23,000 something? [03:50] - Yes, the price of type plus is 23,590 check rounds. [03:55] And for exclusive type, it is 23,490 check rounds. [04:01] - Okay, so this insurance covered the pregnancy type [04:06] or not like the, let's say the lady is pregnant. [04:09] So before, after buying the insurance. [04:15] - Oh, thank you very much for this question. [04:16] 'Cause yes, we offer, we can offer standard type [04:20] of comprehensive health insurance. [04:21] And special type for pregnancy. [04:24] So yes, this type of insurance for this price, [04:28] it's standard type, but which has waiting periods. [04:33] It is three months from the date of commencement [04:36] from the start date for pregnancy related insurance events. [04:41] It's like doctor's examinations, tests, ultrasounds. [04:46] And the next waiting period is eight months [04:49] from the start date for childbirth. [04:54] So this is important thing in case, [04:56] if pregnancy will be in the future, for example. [05:02] So after three months, yes, it will be covered. [05:07] All pregnancy related cases will be covered. [05:10] But childbirth will be covered after, yes. [05:13] A childbirth will be covered only after eight months. [05:16] For example, the contract is valid [05:18] from the 1st of March, let's say. [05:21] And in this case, the insurance will be valid for pregnancy [05:25] related insurance events only after 1st of June, [05:29] after three months. [05:31] And if the client consults a doctor [05:33] about pregnancy related issues between 1st of March [05:38] and 1st of July, the insurance will not cover [05:42] pregnancy related expenses. [05:44] So that's why this is like waiting period, three months. [05:47] And the second waiting period, so yes, please, [05:50] do you have an addition? [05:51] - Yeah, just like, okay. [05:53] So if someone, because I was checking it for like, [05:56] I need to extend the visa for my wife. [05:58] So it's like, they need two year insurance. [06:01] So if I buy all together, and then this is like all good, [06:05] like the time is same, like three months and eight months, [06:08] right? [06:10] - Yes, correct. [06:11] It is waiting periods. [06:14] And for example, if you will proceed with this too, [06:18] two years of insurance policy, yes. [06:21] So this waiting period is the same, [06:23] three months and eight months from the date of commencement. [06:28] And special, a special type of insurance, [06:30] without waiting periods named newborn. [06:35] This is for pregnancy related cases and childbirths, [06:38] but without waiting periods. [06:40] But where the price, just information for you, [06:43] but where the price for 12 months is 94,980 check rounds. [06:48] So it is more expensive. [06:53] Yes, it is for pregnancy without waiting periods. [06:57] - And last question. [06:59] Like if I go with the basic, like the comprehensive plus, [07:03] or the comprehensive and comprehensive plus. [07:06] With the comprehensive one, so it's like, [07:08] do you have any private GP, like here in Brno? [07:13] - Yes, yes, of course. [07:15] So actually our company, our company, [07:19] a subsidiary company from VZP, [07:21] which is public health insurance. [07:25] And we have the largest list of our contractual partners, [07:28] around 5,000. [07:30] I can prepare for you this information [07:32] and send to your email. [07:34] In addition, you can verify on this stage, [07:36] this information, for example, [07:38] directly with our assistant service, [07:41] and they can send you this list of our contractual partners, [07:45] for example, in your location, [07:47] or some kind of particular specialty of a doctor. [07:52] Or you can try to find our contractual partners [07:57] by yourself on our website. [07:59] I can send to your email a special link. [08:03] And in case if you will have some additional questions, [08:06] maybe later you can verify and clarify any information [08:11] at any convenient time for you via email [08:13] or by phone, if you prefer. [08:15] - Okay, I got it. [08:16] So let's like to be conclusion. [08:19] So if like someone buys for the two years [08:21] and like the pregnancy happened after eight months, [08:25] then a child and the pregnancy is both is covered, right? [08:30] - Child, no. [08:31] For example, this standard type, [08:33] it is, it is coverage only for, [08:38] for the person, let's say for newborn child. [08:43] - No, I'm asking like, okay. [08:45] I'm asking like the cost of the, [08:47] like the let's say delivery hospital. [08:49] It's like covered with it. [08:51] - Yes, yes, yes, yes, correct. [08:52] But yes, but after childbirth, unfortunately, [08:55] so it is without coverage for newborn baby. [08:59] So if you would like, yes. [09:01] If you would like to have this coverage for newborn baby, [09:06] so it is possible, yes, to have, [09:08] but only with the special type [09:09] for pregnancy named newborn. [09:12] So it is with the coverage for newborn baby [09:14] until discharge from the maternity hospital. [09:18] - Okay, so and the 94,000 is covered [09:21] with the newborn child or not? [09:23] - Yes. [09:25] - Okay, okay, so I got it. [09:27] - So this is, yes, this is important thing [09:29] in this, yes, difference between the standard type [09:32] and special type for pregnancy newborn. [09:34] It is coverage for newborn baby [09:37] until discharged from the maternity hospital. [09:41] - So like, [09:42] can I go to your like the Brno office? [09:44] It's close to my house and I can discuss with the lady [09:47] and I buy, either buy the insurance. [09:49] - Yes, of course. [09:50] Actually, I'm calling you from Prague. [09:52] But yes, of course, you can visit our branch office in Brno [09:56] or you can just to proceed with us via email. [09:59] So I'm calling you from online department. [10:02] In case if you have some questions, [10:04] you can always contact us and we can, for example, [10:07] proceed after term via email. [10:12] Do you have anything like we can pay by, [10:17] like maybe we can we split the payment? [10:20] Like let's say if I buy like two years altogether, [10:23] like I think the amount will be like maybe let's say 48,000. [10:27] So can we split the payment? [10:28] Or no, it's like I need to pay it all together. [10:31] - Yes, it will be needed to pay it once. [10:33] Unfortunately, it is not possible [10:35] due to the terms and conditions. [10:37] So with this commercial type of health insurance, [10:40] yes, it will be needed to pay the full price. [10:43] At once, one payment. [10:47] - Okay, okay, I got it, yeah. [10:51] - Can we send to your email this information? [10:54] And for example, if you have some questions [10:59] or if you would like to proceed with this conclusion process, [11:02] you can just reply to this email [11:04] when will be the right time for you. [11:06] And it will be sufficient just to provide us [11:08] with the personal data of your spouse [11:11] and this health questionnaire form. [11:12] It's like answer to the health condition question. [11:15] - You can send me the email, yes, [11:16] because the visa is expiring in like maybe in May. [11:19] So I will buy the insurance maybe in one or two months. [11:23] I was just taking like the opportunities, [11:25] which opportunities I can grab right now. [11:28] - Yes, of course. [11:30] I will make an note in our system. [11:31] Kindly expect an email from our side [11:33] in case if you have some questions later, [11:36] kindly contact us via email or by phone [11:39] and I'll be glad to assist you. [11:41] - Thank you, thank you. [11:43] - Thank you too. [11:44] You're welcome. [11:45] Have a nice day. [11:46] Goodbye.