According to the description of their economic model, "masks, hands, distancing" is a free option: https://koronahra.cz/about https://koronahra.cz/about If you

According to the description of their economic model, "masks, hands, distancing" is a free option: https://koronahra.cz/about https://koronahra.cz/about If you didn't do anything else, the 498B must be hospitalization costs. (Letting the weak die on the streets isn't an option, they'll go to the hospital and cost you.)