Which insurance contract terms and conditions apply to me?

The terms and conditions of the insurance contract that were in force at the moment of joining your dental insurance insurance apply to you. The insurance period is 1 year and the terms and conditions of your insurance contract are also valid for 1 year, even if the insurer issues adjusted or amended insurance terms and conditions during your insurance period. The version of the terms and conditions of the insurance contract valid for you (HRK-2, HRK-3 or HRK-4) is stated in your insurance policy document.