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    MEDICAL EXPENSES INSURANCE DURING A TRIP ABROAD

     

    Subject of the insurance

    Bulgarian and/or foreign citizens, who are with temporary, permanent or extended stay in Bulgaria. The insurance is enforced for the period of stay of the insured persons outside the territory of the Republic of Bulgaria and for the foreign citizens, the stay outside of the territory of the country, to which they are citizens, is also included.

    Persons, aged from 0 to 80 years can be insured under this insurance.

    Persons with disability above 50% and persons under full guardianship cannot be insured under this insurance.

     

    Covered risks

    Basic cover

    Medical expenses, as a result of:

    • acute illness – illness within the term of the insured period, with acute start and progressive course, requiring emergency tests and treatment, due to its pain character and direct threatening of the life of the Insured person.
    • Accident – means an event, that occurred at specified location and in specified moment, during the term of the insurance, that resulted in death or bodily damage of the Insured person, as a result of sudden and unforeseeable impacts with external origin, of mechanical, thermal, chemical or toxic factor, which the Insured person did not cause intentionally, as well as dislocations, stretching and breakages of joints, tendons and muscles. For accident are considered also the cases that resulted in death or bodily injury of the Insured person during rescuing of human life or property, as well as those, as a result of compulsory prophylactic immunizations.

    The medical expenses are expressed in:

    • treatment with/without hospital stay;
    • drugs and medicines;
    • x-ray diagnostics;
    • expenses for transportation by an ambulance to the closest hospital;
    • expenses for surgical intervention;

    Repatriation

    • to a hospital, close to the home of the insured individual in Bulgarian;
    • in case of death, repatriation of the relics is provided for.

     

    Additional covers:

    • death due to an accident – if the Insured person dies due to insured accident, the beneficiaries are paid the limit, stated in the policy of the contract, in case of death.
    • permanent disability due to accident – if permanent disability of the Insured person occurs, as a result of an accident, the Insurer pays to the Insured person sum, equal to the percentage of disability, acquired after the accident;
    • emergency dental assistance;
    • robbery of luggage, loss of luggage, loss or destruction of luggage during travelling by plain or bus – the Insurer indemnifies the robbery of luggage abroad that accrued during travelling or stay up to the limit agreed in the policy (about 200 Euro per suitcase). As luggage are considered the personal belongings of the Insured person, transported by him/her for satisfaction of personal needs. Any type of commodity-material valuables, transported by the Insured person, against payment or for trade, are not considered as personal luggage. The Insurer indemnifies full or partial loss and/or destruction of luggage, transported in the luggage compartment of a plane or bus.
    • Third-party liability vehicle insurance – material and moral damages are covered, up to the limit agreed in the policy, caused to third person by a fault of the Insured person abroad during the term of the insurance policy, the grounds and amount of which are determined by a court decision in force.
    • legal assistance – the Insurer must repay the expenses of the Insured person, up to the agreed limit for that coverage, incurred abroad for lawyer’s fees, legal taxes and other expenses, related to a court claim and other court proceedings against the Insured person abroad during the term of the insurance in case of accidental breach of the laws of the country in which the Insured person travels or temporary stays.

     

     

    Insurance sum:

    Limit of the liability of the insurance: the maximum monetary sum, which will be paid for all insured events, that have occurred during the terms of the insurance contract.

     

    Insurance premium – as per the tariff of the Insurance company.

    The essential items, taken in consideration, during its determination are: term, limit of the insurance, risks covered, purpose of the trip, age of the insured persons.

     

    Insurance term

    • for single trips, 1 to 365 days,
    • for multiple trips within an year, the insurance coverage for each trip is for 30 /thirty/ days (90 /ninety/days for students and teachers), counted from the date of Republic of Bulgaria border crossing, at departure, up to the date of border crossing at return. This is the so called MULTI-TRIP

     

    Relations in case of the occurrence of insurance event:

    The Insured person must immediately inform the assisting company and to follow the instructions provided.