[00:01] Hello, good afternoon. This is Demeter, insurance company POZP. How can I assist you? [00:05] Hello, this is Sujit Patil, and I would like some information about insurance. [00:14] I have my wife in India, and she got a visa for Czech Republic, and to proceed that, I would need to buy insurance for her. [00:25] So, yeah, that's why I'm calling you. [00:30] Thank you very much. Just a second, please. I'll try to check it under your phone number in our system, if we have some information. [00:36] Yes, I see under your phone number that you have made a calculation on our website under the name Purva Sujit Patil, sorry for my pronunciation, for 12 months. [00:53] That's correct, yeah. For 12 months, yes. [00:57] Thank you very much. And the age of your spouse is 28 years old, yes? [01:03] Mm-hmm, yes. [01:04] Okay, so for 12 months. [01:06] For 12 months, we recommend to proceed with comprehensive health insurance, which meets all the requirements for long-term staying for the visa process, and our best product is exclusive type of this comprehensive health insurance, which covers new health issues and pre-existing condition, or health issues from the past. [01:25] And also, coverage limit is 400,000 euros, or 10 million Czech crowns, and the price for 12 months is 23,490 Czech crowns. [01:37] Mm-hmm. [01:38] Okay. [01:39] And we can send to your email this price offer, along with terms and conditions, you will be able to check it, and if you would like to proceed with this conclusion process, we can arrange insurance online via email, and it will be enough just to reply to this email, provide us with the personal data of your spouse, and answer to the health condition questions. [02:01] All this information you should receive in this email with the price offer. [02:06] Also, yes, please. [02:09] Do you have any additional questions, maybe, at the moment? [02:10] No, no, no. [02:12] Continue, please. [02:12] Thank you very much. [02:14] Actually, we have another type of comprehensive health insurance. [02:17] It is type plus, which is slightly more expensive than exclusive type, but the main difference between them, that this type of insurance has fixed price, and doesn't cover pre-existing condition. [02:29] So, it will be needed to answer the health condition questions, and if at least one answer will be yes, and if you would like to proceed with exclusive, [02:41] so it will be possible to do, but only after evaluation process. [02:46] So, in that case, if all answers are no, so the client is healthy, we always recommend to proceed with exclusive type, which is cheaper than plus, and the price will be the same. [02:59] But if at least one answer will be yes, so it will be possible to proceed with exclusive type only after evaluation process. [03:06] And after that, the final price could be changed upwards, depends on the health condition. [03:12] So, if the client is healthy, we will have the client, for example, for some client, for example, just in case of diabetes, and if it is important for the client to have this health issues from the past covered with this insurance, so it is possible, but only with exclusive type. [03:31] So, with type plus, we can proceed immediately. [03:34] So, at the moment, just please kindly expect an email from our site, check all the information, and... [03:43] When will be the right time for you, please reply to this email and send us this information. [03:49] Yes, yes. So, when you told me about the exclusive type, this is what you recommend, and when the answers, all the answers are no, we can go with this type, right? [04:00] Yes. [04:00] And when we have their 1S, so we have to go with this plus comprehensive. [04:09] So, it is possible, yes, to proceed with type plus in case of urgency. [04:15] Or we can, in addition, we can proceed with type plus immediately, and at the same time, we can submit a request for exclusive type. [04:24] And after evaluation process, if the final price will be suitable for you, it is possible to upgrade from type plus to exclusive type. [04:35] It will be needed to pay the full price for exclusive type, and based on exclusive type, it is possible to cancel type plus without cancellation fee, which is... [04:46] Mm-hmm. [04:46] 20% or maximum amount, 3,000 check rounds, and receive a refund without this cancellation fee for all unused period. [04:56] So, just additional option, especially in case if it will be needed to arrange insurance immediately, and if we have at least one answer yes to this health condition questions. [05:10] Yes, yes. I mean, she don't have any health condition. [05:17] And she don't have any diabetes or any other issues, and she's not taking any tablets for any disease. [05:25] So, in this case, I have to go with exclusive. Is it right? [05:30] Yes, we recommend in that case to proceed with exclusive type, because, yes, the main difference between them that type plus doesn't cover pre-existing condition, but also there are other differences. [05:43] So, in type plus, we have special limits for emergency. [05:47] So, in type plus, we have special limits for emergency dental treatment and prescribed medication by doctor, which is 5,000 check rounds. [05:53] Mm-hmm. [05:54] In exclusive type, so we have just one insurance limit for emergency dental treatment and prescribed medication, which is 400,000 euros. [06:06] So, if there is any, let's say, peak conditions, then we cannot go with exclusive, is that you mean? [06:14] So, it will be needed just to proceed with this evaluation process. [06:18] Yeah, yeah, yeah, okay, okay, okay, okay. [06:21] Yes, yes, yes. [06:22] So, I think, I think, I think it more or less it's clear to me, then, yeah. [06:25] Mm-hmm. [06:25] And also, in exclusive, so we have benefits or superior standard. [06:31] Mm-hmm. [06:32] It is, in exclusive type, 300 check rounds per month. [06:36] In type plus, it is 200 check rounds per month. [06:40] So, this, for one year, so you will receive in this policy amount 3,600 check rounds. [06:49] Mm-hmm. [06:50] Plus, it is only 2,400 check rounds, and it is possible to use this amount to cover expenses related to an insurance event that are not covered fully. [07:01] It's some kind of, some medical services, such as dental hygiene or superior standard dental material, like white fillings, or medication without prescription by a doctor. [07:14] So, just good option to use in case if it will be needed, so it is, yes, too possible to use this benefit. [07:22] Oh, okay, okay. [07:24] So, I don't want to get so much confused right now, so let's go with exclusive, and you can send me the email, and if I send you all the answers by tomorrow, is it possible to get insurance by tomorrow? [07:37] Yes. [07:38] It should start from, from Monday. [07:40] Yes, of course. [07:42] We can arrange insurance via email after turn. [07:44] So, once, once we receive response from your site, we will be able to send you draft contract and payment details. [07:51] Mm-hmm. [07:53] The fastest way to receive your payment, it is payment by card through GoPay system. [07:57] It is through special link for payment. [08:01] Also, you will receive QR code, but it is for the payment by bank transfer. [08:07] Uh-huh, yeah. [08:10] So, yes, it is possible to proceed with payment by card or with the bank transfer. [08:15] And once we receive your payment, it is possible to send you all the documents immediately. [08:19] So, we can arrange this insurance during 20 minutes via email once we receive. [08:25] Oh, okay. [08:25] Perfect. [08:26] Information from your site. [08:26] Perfect, perfect. [08:27] So, just for the, just to be safe side, then I will ask my wife to read the information. [08:36] So, just send me the little bit information about this exclusive and plus, some, something, yeah, something like this, and send me the email, and I will reply you by, by tomorrow. [08:49] Oh, yes, of course. [08:51] Can't expect an email from our site. [08:53] I will prepare for you this information for your convenience to your email. [08:57] Uh-huh. [08:57] With these differences, you will be able to check it once again. [09:00] And in order to proceed, please reply to this email, and we will contact you again. [09:04] Thank you, thank you so much. [09:05] You're welcome. [09:06] Thank you, too. [09:07] Thank you for your call. [09:08] Have a nice day. [09:09] And have a nice day. [09:10] Goodbye.