[00:00] Hello, insurance company PVZP. [00:02] My name is Victoria Chvakova. [00:03] How can I help you? [00:03] Good morning. [00:06] I'm calling about some coverage in the Czech Republic. [00:13] I'm going to be, well, I spend a lot of time there, [00:18] so I'm going to be there in the next couple of months quite a lot. [00:22] And I was looking at picking up a comprehensive package [00:26] to be covered there while I'm there. [00:34] And I guess my main question is when the coverage could start [00:39] and if dental is possible to include with the plan [00:47] as a foreigner in Czech. [00:49] Okay, so if you are interested in comprehensive type of insurance, [00:56] we have such a product. [00:58] It is coverage by package exclusive, which is our best [01:05] product. [01:06] Maximum similar to public health insurance, [01:08] or it is plus option, which doesn't cover pre-existing [01:12] health conditions like chronical disease, [01:14] but this covers new health issues. [01:16] Regarding the coverage, it is similar to the public health [01:21] insurance, which Czech citizens have, [01:23] like Czechoslovakian doctors prescribe medicine, [01:26] hospitalization, and emergency dental treatment. [01:29] So that means in case if you will have some emergency case [01:34] related to dentistry. [01:35] So this could be, could say like first aid, [01:39] first emergency dermatology aid would be covered. [01:43] In case if you would need some planned treatment, [01:47] so it is not covered or covered only partly. [01:51] Depends on exact service, which you will need. [01:56] If this will be enough for you, for your goals. [01:59] Okay, so even the maximum plan or the best product [02:05] will only cover emergency services. [02:07] Is that what I understand? [02:08] Yes, exactly. [02:10] Because in Czech Republic, even Czech citizens doesn't have [02:14] all the stomatology covered. [02:16] Like, for example, if you need some tooth extraction, [02:21] treatment in case of acute necessity or basic fillings, [02:25] x-rays, it is covered. [02:27] But in case if a person needs dental implants or needs some [02:32] braces, so it is not covered. [02:34] Like an example for you. [02:36] Yeah. [02:37] I can understand. [02:39] I can be very specific. [02:41] I have a crown. [02:43] You know what a crown is? [02:45] I don't know the Czech word for it. [02:47] I can find really quickly. [02:49] It is exactly the same. [03:06] Okay, so I have a crown and it has been in my mouth [03:10] for a very long time. [03:12] It doesn't seem to have a problem. [03:14] I recently went to a dentist and he checked it and he said, [03:17] that it seems to be fine. [03:19] Like structurally, he said he didn't see an infection or [03:23] anything, but I am concerned exactly that if I am in Czech [03:27] and it starts to bother me again, that I will need to [03:31] probably do something about it. [03:33] So in this case, if they needed to remove the crown or do [03:38] something like that, that would be outside of the coverage. [03:41] Is that right? [03:42] If you will need some emergency treatment regarding that, [03:47] it will be covered. [03:49] But in case, for example, the doctor will say that today [03:52] we will do something, then you will visit me in a week, [03:55] and then in a week. [03:57] So it's taken like planned treatment. [04:01] Yes? [04:02] Ah, okay. [04:03] So only the first thing would be covered. [04:06] Yes, yes. [04:07] If you have tooth pain, so for sure it will be covered [04:10] or at least partly covered. [04:12] But in case if you will need some further treatment, [04:16] more likely no. [04:18] I understand. [04:20] Okay. [04:21] That helps a lot. [04:22] That makes it very clear. [04:24] Just for you to understand. [04:25] In case if you have pain, so sure, doctor will help you [04:28] and then insurance company will cover it exactly like it's [04:33] covered by the public health insurance. [04:35] But it will depend on the situation, sure. [04:39] If they needed to do something later, then it's going to be [04:42] out of pocket, right? [04:43] Yes, exactly. [04:45] Okay. [04:46] That's clear. [04:49] Then if I purchase the policy online, it can be active from tomorrow, [04:57] I understand. [04:58] Is that true? [04:59] As early as, yes, from tomorrow. [05:02] So what would be the process as we are online department, [05:06] so we could proceed all the process online. [05:09] Okay. [05:10] I would send you to the email list of data which we will need [05:13] to conclude insurance and also necessary information like [05:17] information about product, general terms and conditions. [05:21] So you will check it before. [05:23] And then after you check all the necessary information, you could [05:27] send me the data and I will prepare for you the draft contract [05:30] and payment details. [05:32] If you will need it started from tomorrow, so I advise you to pay [05:35] by card via GoPay. [05:37] As in that case, you could see this payment immediately in our [05:40] system, like prepayment. [05:42] Later, I will send you documents to your email. [05:45] If you are in Czech Republic and would like to receive hard copies, [05:49] we could send it via check post. [05:51] Or if you are in Prague, so you could also visit our office. [05:54] Okay. [05:56] I won't be back for probably a couple of weeks, I think. [06:00] So if you can email, that would be great. [06:02] Sure. [06:03] Sure. [06:04] You could also just clarify for me some details. [06:07] It's needed for me to calculate the price approximately and also [06:11] to send you this. [06:12] Of course. [06:13] So may I ask you, it is for you? [06:15] Yes, it's insurance? [06:17] Correct. [06:18] Yeah. [06:19] How long are you at this moment? [06:23] How old? [06:24] I'm 44 years old. [06:26] I'm sorry? [06:27] Could you please repeat? [06:29] . [06:32] Yes, exactly. [06:33] Okay. [06:34] And you will need insurance for how many months or, for example, [06:37] a year? [06:40] I think probably three months would be reasonable for now. [06:44] Three months. [06:45] Okay. [06:46] So I will go ahead. [06:47] I will guide you what could we offer for three months. [06:50] Okay. [06:51] For three months, we could offer you a comprehensive health insurance type plus, [06:56] this one which covers new health issues, but it doesn't cover pre-existing health conditions, [07:02] like, for example, chronic disease or some insurance events which happened before. [07:07] Right. [07:09] If you would be interested in some, like, wider coverage, it is exclusive plan, which [07:16] we offer for four months as well. [07:17] Okay. [07:18] Yeah. [07:20] I will also let you know regarding the price. [07:21] Give me a second. [07:22] And may I also ask you about the email, as we are discussing, where I will send later [07:23] the information, if that's okay? [07:24] Yeah. [07:25] You can send it to JJA. [07:26] J-A. [07:27] All right. [07:28] I'll say it phonetically. [07:29] It's Juliet Juliet Alpha. [07:30] Mm-hmm. [07:31] Golf. [07:32] Mm-hmm. [07:33] Alpha. [07:34] Mm-hmm. [07:35] Okay. [07:36] So you can send it to J-J-A. [07:37] J-A. [07:38] Mm-hmm. [07:40] All right. [07:41] I'll say it phonetically. [07:43] It's Juliet Juliet Alpha. [07:43] Mm-hmm. [07:44] Golf. [07:45] Mm-hmm. [07:47] Alpha. [07:48] Mm-hmm. [07:50] Lima. [07:51] Mm-hmm. [07:52] Lima. [07:53] Mm-hmm. [07:54] Echo. [07:56] Golf. [07:57] Mm-hmm. [07:59] Oscar. [08:00] Mm-hmm. [08:01] Sierra. [08:02] Mm-hmm. [08:03] At gmail.com. [08:04] Mm-hmm. [08:05] Excellent. [08:06] I will repeat just to check. [08:08] So it is J-A-G-A-L-L-E-D-O-S at gmail.com. [08:15] That is correct, except there are two Js at the beginning. [08:21] So it's J-J-A. [08:22] Two Js. [08:23] Ah. [08:24] I've missed it. [08:26] Okay. [08:27] Okay. [08:28] Okay. [08:29] So give me a moment. [08:30] I will now calculate the price for you for three months, and we could go on at the moment. [08:50] Okay. [08:51] So for three months, price would be $7,140. [08:54] Check that. [08:55] Okay. [08:56] I will send you this price offer as well to the email, and we'll be waiting for your [09:04] response. [09:05] Or maybe if you would like, we could proceed via phone call with this data. [09:08] How would you prefer? [09:10] And if you calculate for the four months, the higher level plan, what does that one [09:15] come to? [09:16] Yes, sure. [09:19] So give me a moment. [09:20] Because it has a higher maximum for the dental, right, if I'm not mistaken? [09:25] Actually, what would be the difference in that case? [09:28] This plan has no special limits for prescribed medication and emergency dentistry, when PLUS [09:37] plan has it. [09:38] Right. [09:39] So for the four months, it would be $7,140. [09:41] Okay. [09:43] So for the four months, it would be $7,140. [09:44] Okay. [09:45] So for the four months, it would be $7,140. [09:46] Okay. [09:47] So for the four months, it would be $7,140. [09:48] Okay. [09:49] So for the four months, it would be $7,140. [09:50] Okay. [09:51] So for the four months, it would be $7,140. [09:52] Okay. [09:54] So for the four months, it would be $7,140. [09:55] Okay. [09:55] So for the four months, it would be $7,140. [09:56] Okay. [09:57] So for the four months, it would be $7,140. [09:59] Okay. [10:00] So for the four months, it would be $7,140. [10:08] Okay. [10:09] So for the four months, it would be $7,140. [10:10] Okay. [10:19] So for the four months, it would be $7,140. [10:21] Okay. [10:22] So for the four months, it would be $7,140. [10:23] Okay. [10:24] So for the four months, it would be $7,140. [10:25] Okay. [10:26] So for the four months, it would be $7,140. [10:27] Okay. [10:28] So for the four months, it would be $7,140. [10:29] Okay. [10:30] So for the four months, it would be $7,140. [10:32] Okay. [10:33] So for the four months, it would be $7,140. [10:34] Okay. [10:35] So for the four months, it would be $7,140. [10:36] Okay. [10:37] So for the four months, it would be $7,140. [10:38] Okay. [10:39] So for the four months, it would be $7,140. [10:40] Okay. [10:41] So for the four months, it would be $7,140. [10:42] Okay. [10:52] So for the four months, it would be $7,140. [10:53] Okay. [10:54] So for the four months, it would be $7,140. [10:55] Okay. [10:57] So for the four months, it would be $7,140. [10:58] Okay. [10:59] So for the four months, it would be $7,140. [11:00] Okay. [11:02] So for the four months, it would be $7,140. [11:03] Okay. [11:04] So for the four months, it would be $7,140. [11:05] Okay. [11:06] So for the four months, it would be $7,140.