Health insurance
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| Feature / category | Allianz Mar 10, 2026 Open details | DZI Mar 8, 2026 Open details |
|---|---|---|
| Overview | ||
Insurer | Allianz Deutschland AG | DZI – General Insurance EAD / DZI – Life Insurance EAD |
Online purchase | No | No |
24/7 helpline | No | No |
| Coverage | ||
Medical expenses | €20,000 | €15,000 |
Medical transport | €5,000 | €3,000 |
COVID-19 treatment | €7,000 | €5,000 |
Personal liability | €5,000 | €2,500 |
| Key conditions | ||
Assistance call deadline | Assistance contact is recommended before planned procedures. | Contact the hotline before expensive diagnostics or hospitalization. |
Chronic conditions | Pre-existing conditions are reviewed through waiting periods and exclusions. | Chronic conditions are subject to plan-level exclusions and waiting periods. |
Purchase while abroad | Purchase is possible only while resident in Bulgaria. | Available only for locally eligible residents. |
| Proof and next steps | ||
Direct payment policy | Network providers can bill directly for approved care within the contracted package. | Services are usually direct-billed inside the preferred provider network after referral or approval. |
Last verified | Mar 10, 2026 | Mar 8, 2026 |