Travel insurance — Bulgaria

[1] Medical expenses: €10,000 – €60,000 ↩

Covers acute illness treatment and emergency dental assistance abroad. Balance tier: up to 10,000 EUR (dental sublimit 500 EUR). Classic tier: up to 30,000 EUR (dental sublimit 500 EUR). Premium tier: up to 60,000 EUR (dental sublimit 500 EUR).

Maximum sublimit in case of pandemic or epidemic disease - 15 000 EUR Dental Care maximum sublimit - 500 EUR 30 000 EUR

[2] Medical transport: €50,000 ↩

Medical repatriation is covered up to 50,000 EUR, confirmed identical across Balance, Classic and Premium tiers by their IPID/Coverage Summary documents. Separate sublimits apply for repatriation of remains and search & rescue by tier.

Repatriation due to medical reasons - 50 000 EUR Return of dependents - 1 000 EUR Transport to bedside - 1 000 EUR Repatriation of remains or funeral abroad - 5 000 EUR Search and Rescue sublimit - 5 000 EUR 50 000 EUR

[3] COVID-19 treatment: €5,000 – €30,000 ↩

Medical treatment for pandemic/epidemic diseases including COVID-19 is covered within the overall medical limit, subject to a pandemic sublimit: Balance 5,000 EUR; Classic 15,000 EUR; Premium 30,000 EUR (all confirmed by their IPID/Coverage Summary documents).

Maximum sublimit in case of pandemic or epidemic disease - 15 000 EUR Dental Care maximum sublimit - 500 EUR 30 000 EUR

[4] Personal liability: €5,000 – €10,000 ↩

Covers bodily injury or property damage caused to third parties abroad. Balance: 5,000 EUR; Classic: 7,500 EUR; Premium: 10,000 EUR (all confirmed by their IPID/Coverage Summary documents).

You are financially liable for damage you cause to a third party or their property while on your trip. 7 500 EUR

[5] Emergency dental: €500 ↩

Emergency dental treatment abroad is covered up to 500 EUR, confirmed identical across Balance, Classic and Premium tiers by their respective IPID/Coverage Summary documents.

Maximum sublimit in case of pandemic or epidemic disease - 15 000 EUR Dental Care maximum sublimit - 500 EUR 30 000 EUR

[6] Search & rescue: €2,500 – €10,000 ↩

Search and rescue in case the insured must be rescued from a physical emergency abroad: Balance 2,500 EUR; Classic 5,000 EUR; Premium 10,000 EUR (all confirmed by their IPID/Coverage Summary documents).

Repatriation due to medical reasons - 50 000 EUR Return of dependents - 1 000 EUR Transport to bedside - 1 000 EUR Repatriation of remains or funeral abroad - 5 000 EUR Search and Rescue sublimit - 5 000 EUR 50 000 EUR

[7] Legal assistance: Covered ↩

Legal Referrals are provided as part of the 24/7 Travel Services available during the trip: the insurer can help the insured find local legal advice if needed while travelling. This is a referral/assistance service, not a monetary benefit, so no sum insured applies.

We can help you find local legal advice if you need it while you are travelling.

[8] Emergency medical treatment: €10,000 – €60,000 ↩

Emergency inpatient/outpatient treatment for acute illness or injury abroad, including pandemic/epidemic disease such as COVID-19 (subject to a pandemic sublimit). Balance: up to 10,000 EUR (pandemic sublimit 5,000 EUR). Premium: up to 60,000 EUR (pandemic sublimit 30,000 EUR). Classic: up to 30,000 EUR (pandemic sublimit 15,000 EUR).

Maximum sublimit in case of pandemic or epidemic disease - 15 000 EUR Dental Care maximum sublimit - 500 EUR 30 000 EUR

[9] Hospitalization: €10,000 – €60,000 ↩

Inpatient hospital treatment falls within the combined medical limit per tier: Balance 10,000 EUR; Classic 30,000 EUR; Premium 60,000 EUR. No separate hospitalization sublimit is stated in the IPIDs or Coverage Summary.

Maximum sublimit in case of pandemic or epidemic disease - 15 000 EUR Dental Care maximum sublimit - 500 EUR 30 000 EUR

[10] Outpatient treatment: €10,000 – €60,000 ↩

Emergency outpatient medical treatment falls within the combined medical limit per tier: Balance 10,000 EUR; Classic 30,000 EUR; Premium 60,000 EUR; no separate outpatient sublimit is stated.

Maximum sublimit in case of pandemic or epidemic disease - 15 000 EUR Dental Care maximum sublimit - 500 EUR 30 000 EUR

[11] Medical evacuation: €2,500 – €10,000 ↩

Search and rescue costs abroad are covered with a sublimit that varies materially by tier: Balance 2,500 EUR; Classic 5,000 EUR; Premium 10,000 EUR (all confirmed by their IPID/Coverage Summary documents). Medical evacuation to the nearest appropriate hospital is covered within the overall 50,000 EUR medical repatriation limit.

Repatriation due to medical reasons - 50 000 EUR Return of dependents - 1 000 EUR Transport to bedside - 1 000 EUR Repatriation of remains or funeral abroad - 5 000 EUR Search and Rescue sublimit - 5 000 EUR 50 000 EUR

[12] Repatriation of remains: €2,500 – €10,000 ↩

Repatriation of remains or funeral costs abroad, sublimit varies by tier: Balance 2,500 EUR; Classic 5,000 EUR; Premium 10,000 EUR (all confirmed by their IPID/Coverage Summary documents).

Repatriation due to medical reasons - 50 000 EUR Return of dependents - 1 000 EUR Transport to bedside - 1 000 EUR Repatriation of remains or funeral abroad - 5 000 EUR Search and Rescue sublimit - 5 000 EUR 50 000 EUR

[13] Pre existing conditions: Excluded ↩

Health events that occurred or are expected to occur at the moment of policy conclusion or the start of the trip are excluded, per the identical exclusion wording confirmed in both the Balance and Premium IPIDs.

Събития в здравословното състояние, които са настъпили или се очаква да настъпят в момента на сключване на застраховката или началото на пътуването

[14] Winter sports cover: Conditional ↩

The General Insurance Conditions exclude participation in extreme, high-risk sports and activities, including 'skiing or snowboarding outside marked trails or in an area accessed by helicopter'. Ordinary recreational skiing/snowboarding on marked trails is not listed among the excluded activities and is therefore not affirmatively excluded, subject to all other policy terms and exclusions.

Skiing or snowboarding outside marked trails or in an area accessed by helicopter;

[15] Adventure sports cover: See details ↩

The General Insurance Conditions exclude participation in extreme, high-risk sports and activities, specifically: skydiving, BASE jumping, hang gliding or parachuting; bungee jumping; caving, rappelling or spelunking; climbing sports or free climbing; any high-altitude activity; personal combat or fighting sports; racing or practicing to race any motorized vehicle or watercraft; free diving; and scuba diving at a depth greater than 20 meters or without a dive master. These activities are not covered under the policy.

Participating in extreme, high-risk sports and activities in general and the following activities in particular: a. Skydiving, BASE jumping, hang gliding, or parachuting;

[16] Pregnancy complications: Conditional ↩

The General Insurance Conditions exclude normal, complication-free pregnancy or childbirth, except when expressly referenced in and covered under trip cancellation coverage or trip interruption coverage. The exclusion text does not separately list pregnancy complications, so complications arising during pregnancy may fall under general emergency medical treatment provisions, subject to all other exclusions (e.g., pre-existing conditions).

Normal, complication-free pregnancy or childbirth, except when normal, complication-free pregnancy or childbirth is expressly referenced in and covered under trip cancellation coverage or trip interruption coverage;

[17] Medical expenses: Covered ↩

The insured sum for medical expenses is freely agreed between insurer and policyholder in EUR or USD and stated in the policy (clause 30); no fixed monetary ceiling is set in the T&Cs for this core risk. For insured persons aged 65 and over, the maximum liability for acute illness is capped at 5,000 EUR/USD (clause 32). Hospitalisation is covered up to 15 days per event and 60 days in aggregate per insurance period (clause 47.1).

Застрахователната сума се договаря между Застрахователя и Застраховащия в евро или щатски долари и се посочва в застрахователния договор.

[18] Medical transport: Covered ↩

Covers initial medical transport from the site of the insured event to the nearest emergency medical facility, and subsequent transport to a specialised facility if the insured's condition requires it (clause 4.20, 46). Transport home or to a facility in Bulgaria, including an accompanying medical team where necessary, is paid within the agreed limit (clause 47.2).

В рамките на договорения лимит се покриват действително извършените обичайни и разумни разходи за превозване на Застрахования от мястото, където се намира (на събитието) до дома му или до лечебно заведение в Р. България или страната на обичайното му местопребиваване, посочено от медицинските специалисти, определени от Асистиращата компания, включително и разходите за медицински екип, който да придружи Застрахования при транспортирането му, ако това е необходимо.

[19] COVID-19 treatment: €5,000 ↩

Core mandatory coverage. Medical expenses and repatriation costs resulting from COVID-19 illness are covered up to a maximum of 5,000 EUR/USD per insured person (clause 47). Events and costs linked to diseases for which an epidemic or pandemic is officially declared at trip start, or for which an official travel warning is in force, are excluded (clause 16.3).

Застрахователят покрива медицински разноски и репатриране вследствие заболяване от COVID-19 в размер до 5 000 евро или щатски долари.

[20] Personal liability: Optional ↩

Optional additional risk (clause 13.6). Covers up to the contracted limit for material and non-material damages caused to third parties by the insured during the insurance period. Excludes liability arising from use or ownership of motor vehicles, vessels, aircraft, weapons, immovable property, contractual obligations, and professional liability (clause 54.1).

При включен допълнителен риск „Гражданска отговорност към трети лица“, Застрахователят изплаща обезщетение до размера на договорения в полицата лимит, за причинени от Застрахования в периода на застраховката имуществени и неимуществени вреди на трети лица.

[21] Emergency dental: Conditional ↩

Covers emergency dental treatment to relieve acute sudden pain for insured persons under age 65, including treatment following a covered accident, incision of abscesses and phlegmons, pulpitis, extraction of a suddenly broken or deeply destroyed tooth including anaesthesia, related prescribed medication, and a follow-up check. The limit is the freely agreed sum insured (clause 30), not a fixed ceiling. Completely excluded for persons aged 65 and over (clause 16.12.1). No assistance service is provided for this risk (clause 15).

По риска „Спешна дентална помощ“ Застрахователят изплаща на застрахования действително извършените разходи за спешна дентална помощ, само в случаите, когато тя се налага вследствие на покрита по тези условия злополука и при инцизия на абсцеси и флегмони в устната кухина, пулпит, изваждане на внезапно счупен или дълбоко разрушен зъб, включително анестезия, както и предписани във връзка с тях медикаменти и контролен преглед след използваните дентални процедури.

[22] Search & rescue: Optional ↩

Optional additional risk (clause 13.1), payable only against an additional premium. Covers usual and pre-approved actual costs for search, rescue, primary first aid, and transport carried out by organisations engaged in search-and-rescue operations by land, air, water, and underwater, resulting from a covered accident or acute illness (clause 49).

В случаите, когато е заплатена допълнителна премия и е включено покритие на риска „Спасителни разноски“, Застрахователят чрез Асистанс компанията се ангажира да заплати обичайните и предварително одобрени реално извършени разходи по издирване, спасяване, оказване на първична медицинска помощ и транспорт, осъществени от организации, ангажирани в действия за издирване и спасяване на Застрахования.

[23] Legal assistance: Optional ↩

Optional additional risk (clause 13.7). Covers actual costs abroad for legal protection of the insured including legal fees and court costs if held liable under local legislation for damages to third parties or unintentional acts or administrative violations as an ordinary citizen. Excludes liability from use or ownership of motor vehicles and professional liability (clause 55.1).

По риска „Правна помощ” Застрахователят покрива действително извършените в чужбина разходи, свързани с правна защита на Застрахования като адвокатски хонорари и съдебни разноски, ако той бъде подведен под отговорност, съгласно законодателството на съответната държава за щети, причинени на трети лица или за непредумишлени действия или неспазване на законите (местните разпоредби) с административен характер, извършени в качеството му на обикновен гражданин.

[24] Emergency medical treatment: Covered ↩

The insurer via the assistance company directs the insured to an appropriate medical facility, provides medical transport where necessary, and pays for consultations, treatment, and pharmaceuticals within the contracted limit (clause 46). In Turkey, USA, and Canada, if the insured does not contact the assistance company first and independently chooses a provider, coverage is capped at 50 EUR/USD (clause 41.6).

По риска „Медицински разноски и репатриране вследствие злополука или акутно заболяване” Застрахователят чрез Асистанс компанията осигурява на Застрахования, избира и го насочва към подходящо лечебно заведение или лекар, в зависимост от здравословното му състояние, осигурява медицински транспорт до лечебното заведение при необходимост и заплаща действително извършените разходи за медицински прегледи, лечение, закупени медикаменти и пр.

[25] Hospitalization: Covered ↩

Hospitalisation costs are covered within the contracted medical expenses limit, up to 15 days per single insured event and up to 60 days in aggregate across all events in one insurance period (clause 47.1). If treatment commenced abroad continues without interruption after coverage expiry, the insurer covers costs for up to 15 additional days (clause 47.7).

В рамките на договорения лимит се покриват обичайните и разумни медицински разходи вследствие злополука или акутно заболяване, направени от Застрахования за престой в болнично заведение и ползване на болничен персонал с продължителност не повече от 15 дни за едно застрахователно събитие и не повече от 60 дни в агрегат за всички събития, за един застрахователен период.

[26] Outpatient treatment: Covered ↩

Outpatient consultations, diagnostics, and treatment are covered within the contracted medical expenses limit as part of core coverage (clauses 12.1, 46). Treatment or follow-up examinations that are not urgent and can be deferred until the insured returns to Bulgaria are explicitly excluded (clause 16.16).

Разходи за лечение и контролни прегледи, които не са наложителни и не представляват спешна медицинска помощ и могат да бъдат проведени при завръщане на Застрахования на територията на Република България или страната на обичайното му местопребиваване или за която има валидна здравна осигуровка и/или застраховка;

[27] Medical evacuation: Covered ↩

The insurer via the assistance company covers evacuation costs within the contracted medical expenses limit (clauses 4.20, 46). Medical repatriation is carried out only if the insured's health condition allows it; the assistance company's designated medical specialists and the treating physician are solely authorised to decide when and how repatriation is to be carried out (clause 47.3).

Медицинско репатриране на Застрахования се извършва само, ако здравословното му състояние позволява. Медицинските специалисти, определени от Асистиращата компания и медицинското заведение, провело лечението или лекуващия лекар, са единствено упълномощените, които могат да вземат решение кога и как Застрахованият да бъде върнат в Р. България или страната на обичайното му местопребиваване.

[28] Repatriation of remains: Covered ↩

In the event of the insured's death, the insurer through the assistance company organises and pays for a coffin suitable for international transport or cremation costs, plus transport of the body or cremated remains from the place of death to the place of burial in Bulgaria or the country of habitual residence. Funeral ceremony and inventory costs are not included (clause 47.5).

При репатриране на тленни (кремирани) останки в случай на смърт на Застрахования, Застрахователят чрез Асистанс компанията организира репатриране на тленните останки и заплаща разходите за ковчег за международно транспортиране на тленни останки или разходите за кремация, както и разходите за транспортиране на тялото или кремираните останки на Застрахования от мястото на настъпване на смъртта, до мястото за погребение в Р. България или страната на обичайното му местопребиваване.

[29] Pre existing conditions: Excluded ↩

Pre-existing accidents and pre-existing diseases diagnosed before the start of the insurance coverage period are explicitly excluded (clause 16.7). Chronic diseases are also excluded, except an unforeseen acute exacerbation so serious as to require emergency life-saving medical care, in which case the insurer covers only the costs of bringing the insured out of critical condition (clause 16.8).

Предшестващи злополуки и/или предшестващи заболявания;

[30] Winter sports cover: Optional ↩

Trips made to practise sport, professionally or as an amateur, are excluded unless otherwise agreed (clause 16.29). Clause 4.48 classifies freeride (off-piste) skiing, bobsleigh and sports sledding as high-risk activities; these are excluded unless agreed as an additional risk with extra premium, and under Multitrip policies they are excluded in all cases (clause 16.28). Ordinary skiing is not listed in clause 4.48.

Пътувания с цел работа, професионално или любителско упражняване на спортове, освен ако не е договорено друго;

[31] Adventure sports cover: Optional ↩

Clause 4.48 defines high-risk activities and sports excluded by default, including motorised, aerial, waterborne and underwater sports, climbing to altitudes above 3,000 m up to 5,000 m, alpinism, climbing, speleology, bungee, parachuting, paragliding, base jumping, rafting, and diving up to 30 m. Practising high-risk activities is excluded unless expressly agreed as an additional risk with extra premium, available for single-trip policies only; excluded in all cases under Multitrip policies (clause 16.28).

изкачване на надморска височина над 3 000 м. до 5 000 м., алпинизъм, ветроходство, кану-каяк, гребане, рафтинг, водни ски, сърфинг, водолазен спорт, гмуркане до 30 м.

[32] Pregnancy complications: Excluded ↩

Pregnancy including pathological pregnancy, childbirth, abortion, and pregnancy-related complications are excluded (clause 16.11). Narrow exceptions: costs for saving the life of the pregnant insured and the child are covered provided at least two months remain until the medically determined due date at the date of departure (clause 16.11.1); costs of premature birth or abortion caused by a covered accident are reimbursed (clause 16.10.2).

Бременност, включително патологична, раждане, аборт или усложнения, свързани с бременност;

[33] Medical expenses: Covered ↩

Covers necessary expenses for medical examinations, treatment or surgery, therapeutic and medical means, X-ray and laboratory tests, hospital stay, evacuation transport costs, emergency dental treatment, and other costs related to treatment or diagnosis. The insured sum/liability limit is chosen freely by the policyholder (clause 13). For persons over 70, medical expenses due to acute illness are capped at EUR/USD 1,000 regardless of the chosen insured sum (clause 14.1).

По риска "Медицински разноски" Застрахователят чрез Асистанс компанията изплаща действително извършените разходи за медицински прегледи, лечение, включително спешна стоматологична помощ, закупени медикаменти и пр., включително разходи за евакуация на Застрахования в рамките на договорения лимит.

[34] Medical transport: Covered ↩

Covers the actual costs of transporting the insured from the location of the event to the nearest hospital for emergency medical aid and onward transport to his place of residence, within the agreed policy limit.

По риска "Медицинско транспортиране и репатриране" Застрахователят чрез Асистанс компанията покрива в рамките на договорения лимит действително извършените разходи за превозване на Застрахования.

[35] COVID-19 treatment: Not established from the reviewed documents ↩

The General Terms and Conditions (adopted 2013, amended 2016) list the covered basic risks as medical expenses due to accident or acute illness, emergency dental care and repatriation (clause 10.1-10.2), and do not mention COVID-19 or epidemic/pandemic illness specifically. The documents are silent on this point, so coverage status cannot be confirmed either way.

Медицински разноски вследствие злополука или акутно заболяване, включително спешно зъболечение;

[36] Personal liability: Optional ↩

Optional add-on under the 'Unforeseen Expenses' package (clause 11.2.5). Covers property and non-property damages caused unintentionally by the insured to third parties abroad, up to the agreed liability limit. Excludes liability arising from ownership or operation of motor vehicles, vessels, aircraft, weapons or real estate, contractual obligations, and professional liability (clause 65.2).

По риска "Гражданска отговорност към трети лица за непредумишлено причинени от Застрахования имуществени или неимуществени вреди", Застрахователят обезщетява присъдените суми в рамките на договорения лимит на отговорност.

[37] Emergency dental: €350 ↩

Emergency dental treatment is covered only when necessitated by an accident covered under the policy, or in the event of an abscess, pulpitis or extraction of a suddenly broken or deeply damaged tooth, including the costs of prescribed medications. The liability limit for emergency dental treatment is EUR/USD 350 in total for all events during the policy term. Persons over 70 are excluded from dental coverage (clause 12.15.1).

Лимитът на отговорност за спешна стоматологична помощ е 350 евро/щатски долари общо за всички събития в рамките на срока на застрахователната полица.

[38] Search & rescue: Optional ↩

Optional add-on under the 'Extra/Sport' package. Covers costs for search and rescue in mountain terrain by local rescue services during winter sports or mountain hiking, and emergency transport to the nearest medical facility, up to the agreed limit.

По риска "Разходи за издирване, спасяване и спешно транспортиране до най-близко здравно заведение" се покриват разходи за издирване и спасяване в планина от местни спасителни служби.

[39] Legal assistance: Optional ↩

Optional add-on under the 'Unforeseen Expenses' package (clause 11.2.6). Covers actual legal defence costs abroad (attorney fees and court costs, excluding court security guarantees) if the insured faces legal action for unintentional damages caused to third parties while travelling as a private individual, up to the agreed limit. Professional liability and vehicle/vessel/aircraft ownership liability are excluded (clause 62.2).

По риска "Правна помощ" се покриват действително извършените в чужбина разходи, свързани с правна защита на Застрахования за адвокатски хонорари и съдебни разноски, ако той бъде подведен под отговорност.

[40] Emergency medical treatment: Covered ↩

Covers emergency medical treatment resulting from an accident or an acute illness with sudden onset and progressive course that began during the insurance period and requires urgent examination and treatment due to its painful character and/or direct danger to life. Only treatments that cannot be postponed until return to Bulgaria are covered (clause 12.32).

АКУТНИ ЗАБОЛЯВАНИЯ са заболяванията с остро начало и прогресивен ход, започнали в срока на застраховката и изискващи спешно изследване и лечение, поради болковия им характер и/или прякото застрашаване живота на болния.

[41] Hospitalization: Covered ↩

Medical expenses for hospital stays due to accident or acute illness are covered for up to 20 days per insured event and no more than 50 days in total for all events during the policy period. Hospitalization requires a minimum 24-hour stay prescribed by a doctor (clause 61.5).

Покриват се медицински разходи вследствие злополука или акутно заболяване, направени от Застрахования за престой в болнично заведение и ползване на болничен персонал с продължителност не повече от 20 дни за едно застрахователно събитие и не повече от 50 дни общо за всички събития.

[42] Outpatient treatment: Covered ↩

Outpatient medical examinations, consultations, diagnostics and treatment costs for accidents or acute illnesses are covered under the general medical expenses definition (clause 58) within the agreed policy limit. No separate sub-limit is specified for outpatient versus inpatient treatment.

МЕДИЦИНСКИ РАЗНОСКИ вследствие злополука или акутно заболяване са: необходимите разходи за медицински прегледи, лечение или хирургическа интервенция; разноски за терапевтични и медицински средства.

[43] Medical evacuation: Covered ↩

Initial medical transport from the location of the insured event to the nearest hospital, and subsequent transport to the nearest specialised hospital if the insured's condition requires continued treatment in a specialised facility, within the agreed limit.

ЕВАКУАЦИЯ е първоначален медицински транспорт от мястото на застрахователното събитие до най-близката болница за оказване на спешна медицинска помощ, както и последващ медицински транспорт до най-близката специализирана болница.

[44] Repatriation of remains: Covered ↩

Covers the transport of the insured's mortal (including cremated) remains from the country/place of the accident or acute illness or from the treating hospital to the country of the insured's permanent residence. The need for repatriation is determined by the treating medical institution or the attending physician. The insurer also covers the costs of a medical team accompanying the insured during transport (clause 60.1).

РЕПАТРИРАНЕ е превозването на Застрахования или тленните му (кремирани) останки от страната (мястото) на злополуката или на акутното заболяване или от болничното заведение, провело лечението, до страната на постоянното му местоживеене.

[45] Pre existing conditions: Excluded ↩

Pre-existing conditions (diseases diagnosed before the start of the insurance) are explicitly excluded (clause 12.10). Chronic diseases are also excluded except in the event of an unforeseen exacerbation so serious as to require emergency medical care to save the insured's life — in which case only the costs of stabilising the critical condition are covered (clause 12.11).

Предшестващи заболявания;

[46] Winter sports cover: Optional ↩

Optional add-on under the 'Extra/Sport' package. Covers loss of winter sports or golf equipment due to burglary or destruction, including a replacement rental, and losses from prepaid unused ski/golf packages due to accident or acute illness. Amateur skiing and snowboarding are excluded from the base policy unless otherwise agreed (clause 12.30).

По риска "Загуба на екипировка за зимни спортове или голф" се поема застрахователна защита в случай на кражба чрез взлом или погиване на ски или голф екипировка на Застрахования, включително и наемане на заместваща до договорения лимит.

[47] Adventure sports cover: Optional ↩

Mountain hiking and search/rescue during mountain hiking are covered under the optional 'Extra/Sport' package (clause 11.4.1, 39.1). The base policy excludes participation in hunting trips, organised sporting competitions and training sessions, including amateur skiing and snowboarding, unless otherwise agreed (clause 12.30).

Участия в ловни излети, организирани спортни състезания и/или тренировки, включително любителско каране на ски и сноуборд, освен ако не е договорено друго;

[48] Pregnancy complications: Conditional ↩

Pregnancy, childbirth, abortion and pregnancy-related complications are generally excluded (clause 12.14). However, medical expenses for saving the life of the pregnant woman and/or child are covered, provided that at the date of departure at least two months remain until the medically determined due date (clause 12.14.1). Medical costs for premature delivery or abortion caused by a covered accident are also reimbursed (clause 12.14.2).

Покриват се само медицински разходи, свързани със спасяване живота на бременната и/или детето, при условие, че към датата на заминаване остават най-малко два месеца до определения от лекарите термин на бремеността.

[49] Medical expenses: Covered ↩

Covers medical expenses resulting from accident or acute illness, including emergency dental treatment (abscess, pulpitis, or tooth extraction). The insured sum stated in the policy is the insurer's limit of liability for the policy period; no specific monetary figure is stated in the IPID itself.

Медицински разноски вследствие злополука или акутно заболяване, включително спешно зъболечение

[50] Medical transport: Covered ↩

The AxiTravel product page (English version) confirms that transportation to a medical facility is included, along with costs for prescribed medications. Only the English-language page was located stating this specific benefit; no Bulgarian-language equivalent was found. No monetary sub-limit is stated.

This will help you cover the costs of getting medical attention in case of an accident or medical emergency

[51] COVID-19 treatment: Covered ↩

The IPID does not mention COVID-19 by name; the AxiTravel product page (English version) states medical expenses due to accident or acute illness explicitly include COVID-19. Only the English-language page was located with this statement. No monetary sub-limit is stated.

Medical expenses as a result of an accident or acute illness, incl. COVID-19

[52] Personal liability: Optional ↩

Civil liability to third parties for property or non-property damage caused by the insured is listed in the IPID as an optional add-on to the core coverage. No specific coverage limit is stated.

Гражданска отговорност към трети лица за причинени от Застрахования имуществени или неимуществени вреди.

[53] Emergency dental: Conditional ↩

Emergency dental treatment is covered as part of the core medical expenses benefit. The exclusions section confirms dental treatment is excluded unless necessitated by a covered accident, or in cases of abscess, pulpitis, or tooth extraction. Dental treatment is an excluded risk for persons over 70 years of age.

За лица над 70 години зъболечението е изключен риск.

[54] Search & rescue: Not established from the reviewed documents ↩

Search and rescue costs are not mentioned in the IPID's core or optional coverage lists, nor in its exclusions section. The document does not establish a position on this cover.

[55] Legal assistance: Optional ↩

Costs related to legal protection are listed in the IPID as an optional add-on to the core coverage. No specific coverage limit is stated.

Разходи, свързани с правна защита;

[56] Emergency medical treatment: Covered ↩

Covered as part of the core medical expenses benefit for accidents and acute illnesses. No separate sub-limit is stated; it falls within the general insured sum for medical expenses.

Медицински разноски вследствие злополука или акутно заболяване, включително спешно зъболечение

[57] Hospitalization: Covered ↩

Hospitalization costs arising from accident or acute illness are covered within the overall medical expenses insured sum (this is not the 'daily hospital allowance' optional add-on, which is a separate optional benefit). No specific sub-limit for hospitalization is stated in the IPID.

Медицински разноски вследствие злополука или акутно заболяване, включително спешно зъболечение

[58] Outpatient treatment: Covered ↩

Outpatient treatment for accident or acute illness is covered within the overall medical expenses insured sum. No separate sub-limit for outpatient treatment is stated in the IPID.

Медицински разноски вследствие злополука или акутно заболяване, включително спешно зъболечение

[59] Medical evacuation: Covered ↩

Not separately named in the IPID; treated as part of the 'repatriation' core benefit for accident or acute illness. No specific monetary sub-limit is stated.

Репатриране

[60] Repatriation of remains: Covered ↩

Repatriation following accident, acute illness, or death of the insured person is a core coverage. Burial expenses abroad in case of death due to accident or acute illness are listed as a separate optional add-on. No monetary sub-limit is stated for repatriation.

Репатриране

[61] Pre existing conditions: Excluded ↩

Pre-existing conditions are explicitly listed in the exclusions section of the IPID as not covered by the insurer.

Предшестващи заболявания;

[62] Winter sports cover: Not established from the reviewed documents ↩

Winter sports cover is not mentioned as an inclusion or an exclusion in the IPID. The document lists 'sportsmen' among the intended insured audience but does not address winter sports specifically, so no position can be established.

[63] Adventure sports cover: Not established from the reviewed documents ↩

Adventure or extreme sports cover is not mentioned as an inclusion or an exclusion in the IPID for this specific product, so no position can be established.

[64] Pregnancy complications: Excluded ↩

Pregnancy, childbirth, abortion, and complications related to pregnancy are explicitly listed as excluded from coverage in the IPID.

Бременност, раждане, аборт или усложнения, свързани с бременост;

[65] Medical expenses: Covered ↩

Covers medical expenses resulting from accident or acute illness during the trip abroad. The insured sum is chosen by the applicant in EUR (or USD) at the time of purchase; no fixed limit is published on the official product page.

Медицински разходи, вследствие на злополука или внезапно заболяване, включително Covid-19

[66] Medical transport: Covered ↩

Transport to a medical facility is organised through the 24/7 assistance service provided by Coris Bulgaria as part of the core coverage. No specific monetary limit is published.

[67] COVID-19 treatment: Not established from the reviewed documents ↩

COVID-19 coverage is explicitly stated for Bulgaria Insurance's Multitrip travel product and was subject to a 2020 scope restriction notice for travel policies generally; the current single-trip online product page does not itself make an explicit statement on COVID-19, so the position could not be confirmed for this exact product in this verification pass.

осигурява необходимата помощ и съдействие в случай на затруднение, независимо дали то е свързано със здравословен проблем, включително Covid-19

[68] Personal liability: Covered ↩

Personal liability while travelling is listed among the covered risks. No specific limit is published on the official product page; the limit depends on the insured sum selected at purchase.

Гражданска отговорност към трети лица

[69] Emergency dental: Covered ↩

Emergency dental treatment is listed as a covered risk on the official product page. No monetary sub-limit is published there; a fixed limit could not be confirmed in this verification pass.

Спешна дентална помощ

[70] Search & rescue: Optional ↩

Rescue costs are referenced in connection with extreme and amateur sports coverage, offered as selectable options, with the possibility of a high limit for rescue costs. No fixed limit is published.

Покрития на рискове при упражняване на екстремни спортове с възможност за висок лимит при необходимост от спасителни разноски

[71] Legal assistance: Optional ↩

Legal protection is listed as a covered risk that can be included based on individual needs. No monetary limit is published on the official product page.

Правна помощ

[72] Emergency medical treatment: Covered ↩

Emergency medical treatment for accident or sudden illness abroad is included as part of the core coverage. Coris Bulgaria arranges and settles emergency treatment directly with healthcare providers 24/7.

В случай на нужда от медицинска помощ при настъпване на злополука или внезапно заболяване, моля обръщайте се към денонощния асистанс център на Корис България

[73] Hospitalization: Covered ↩

Inpatient/hospitalization costs are covered as part of medical expenses for accident or acute illness abroad. No specific sub-limit is published; limits depend on the insured sum selected at purchase.

Дневни пари за болничен престой

[74] Outpatient treatment: Covered ↩

Outpatient medical treatment resulting from accident or acute illness abroad is included within the medical expenses coverage. No separate sub-limit is published.

Медицински разходи, вследствие на злополука или внезапно заболяване, включително Covid-19

[75] Medical evacuation: Covered ↩

Medical evacuation is included as part of the 24/7 international assistance service provided through Coris Bulgaria. No specific monetary limit is published separately.

Международно съдействие с осигурен медицински асистанс 24 часа, 7 дни в седмицата

[76] Repatriation of remains: Covered ↩

Repatriation of mortal remains in the event of death from accident or acute illness abroad is a listed covered risk. No separate monetary limit is published on the official product page.

Репатриране вследствие на злополука, внезапно заболяване (вкл. Covid-19) или смърт

[77] Pre existing conditions: Not established from the reviewed documents ↩

The product description addresses coverage for accident and acute (sudden) illness. The official product page does not make an explicit statement either including or excluding pre-existing chronic conditions, so the position is unconfirmed.

[78] Winter sports cover: Optional ↩

Coverage for risks during amateur sports activities (which can include winter sports) is available as a selectable optional coverage according to individual needs.

Покрития на рискове при упражняване на любителски спортове

[79] Adventure sports cover: Optional ↩

Coverage for risks during extreme sports activities is available as an optional add-on, with the possibility of a high limit for rescue costs based on individual requirements.

Покрития на рискове при упражняване на екстремни спортове с възможност за висок лимит при необходимост от спасителни разноски

[80] Pregnancy complications: Not established from the reviewed documents ↩

Pregnancy complications are not among the risks explicitly listed on the official product page, but the page also does not make an affirmative exclusionary statement, so the position is unconfirmed.

[81] Medical expenses: €5,000 – €100,000 ↩

Core cover for medical examinations, treatment, medications and related expenses abroad due to an accident or acute illness. Bul Ins offers selectable coverage limits from 5,000 to 100,000 EUR/USD depending on the chosen option.

Застраховка „Помощ при пътуване с асистанс” се предлага с лимити на покритие от 5 000.00 EUR/USD до 100 000.00 EUR/USD.

[82] Medical transport: €5,000 – €100,000 ↩

Medical transportation on a doctor's instruction is a named core benefit within the overall coverage limit, per the general terms and conditions.

Застраховка „Помощ при пътуване с асистанс” се предлага с лимити на покритие от 5 000.00 EUR/USD до 100 000.00 EUR/USD.

[83] COVID-19 treatment: €20,000 ↩

Bul Ins'sBul Ins's general terms cover medical expenses and repatriation due to acute illness from COVID-19 for persons up to 65 years of age, with a maximum limit of 20,000 EUR/USD, only after presenting a positive laboratory test result. For persons over 65, the insurer does not cover medical expenses and repatriation resulting from acute illness due to COVID-19.

3.1.1.5 За лица до 65 години, Застрахователят покрива медицински разноски и репатриране в следствие на акутно заболяване – Covid19 с максимален лимит до 20000 EUR/USD и само след предоставяне на положителен резултат от извършено лабораторно изследване. 3.1.1.6 За лица над 65 години Застрахователят не покрива медицински разноски и репатриране в следствие на акутно заболяване – Covid-19.

[84] Personal liability: Optional ↩

Third-party liability, combined with legal assistance, is listed as an optional additional cover. The specific limit is not disclosed on public-facing pages.

Отговорност към трети лица/Правна помощ.

[85] Emergency dental: €350 ↩

Emergency dental care has its own separate maximum of 350 EUR/USD, regardless of the main medical expenses limit. It covers only emergency procedures: pain relief, abscess incision, tooth extraction, and treatment of caries/pulpitis.

Спешната дентална помощ е с лимит до 350 USD/EUR. Спешната дентална помощ включва само спешни манипулации, свързани с облекчаване на остри болки, инцизия на абсцес, изваждане на зъб, дентална работа при кариес и пулпит.

[86] Search & rescue: Optional ↩

Bul Ins markets 'Спасителни разноски' (Rescue costs) as a distinct, optional product specifically for mountain/ski holidays. A Bul Ins press item confirms the cover pays actually-incurred costs for search, rescue, first aid and transport, including expenses of organizations engaged in search/rescue operations, and explicitly states the insured sum and policy term are selectable by the client rather than fixed. This is a separate/add-on product from the main 'Помощ при пътуване' travel assistance policy rather than an automatically included benefit within it, so no single fixed limit applies.

[87] Legal assistance: Optional ↩

Legal assistance is an optional additional cover under which the insurer arranges and pays for legal representation to pursue compensation on the insured's behalf. The specific limit is not disclosed on public-facing pages.

Застрахователят осигурява правна помощ за образуване и водене на дело за получаване на обезщетение.

[88] Emergency medical treatment: €5,000 – €100,000 ↩

Emergency medical treatment abroad following an accident or acute illness is part of the core medical expenses cover, within the same overall selectable limit (5,000–100,000 EUR/USD).

Застраховка „Помощ при пътуване с асистанс” се предлага с лимити на покритие от 5 000.00 EUR/USD до 100 000.00 EUR/USD.

[89] Hospitalization: €5,000 – €100,000 ↩

Hospitalisation abroad is not itemised separately from the core medical expenses risk in the public-facing documents; it falls within the same overall medical expenses limit for accident or acute illness.

Застраховка „Помощ при пътуване с асистанс” се предлага с лимити на покритие от 5 000.00 EUR/USD до 100 000.00 EUR/USD.

[90] Outpatient treatment: €5,000 – €100,000 ↩

Outpatient medical examinations and treatment abroad following an accident or acute illness fall within the core medical expenses limit.

Застраховка „Помощ при пътуване с асистанс” се предлага с лимити на покритие от 5 000.00 EUR/USD до 100 000.00 EUR/USD.

[91] Medical evacuation: €5,000 – €100,000 ↩

Repatriation transports the insured from abroad to their permanent residence in Bulgaria, or to the nearest hospital if adequate treatment cannot be guaranteed near the place of stay and life is at risk, within the overall policy limit.

Застраховка „Помощ при пътуване с асистанс” се предлага с лимити на покритие от 5 000.00 EUR/USD до 100 000.00 EUR/USD.

[92] Repatriation of remains: €5,000 ↩

Transport costs for the insured's mortal remains from the place of death abroad to a location in Bulgaria designated by relatives (for Bulgarian nationals) or to their home country (for foreign nationals) are covered up to 5,000 EUR/USD, within the overall policy sum, in case of death from accident or acute illness during the policy period.

3.1.1.3. Транспортиране на тленни останки - заплащат се разходите за транспортиране на тленните останки на застрахования в случай на смърт, поради злополука или акутно заболяване, настъпили в чужбина (за български и чуждестранни граждани) или в Република България (за чуждестранни граждани) през срока на застрахователната полица, до мястото на погребение в Република България за български граждани или до страната, на която са граждани чуждите граждани в размер до 5000 EUR/USD в рамките на застрахователната сума по полицата.

[93] Pre existing conditions: Excluded ↩

Costs for medications and treatment of a condition already known before the departure date are explicitly excluded from cover, per both the IPID and the general terms and conditions.

Разходи за медикаменти и лечение на заболяване, което е било известно преди датата на заминаване.

[94] Winter sports cover: Conditional ↩

Bul Ins's general terms list accidents resulting from dangerous sports or hobbies — including mountaineering/climbing with ropes and equipment — as excluded 'unless otherwise agreed' in the policy, meaning winter/mountain sports risks are not covered by default but can potentially be added by special agreement.

4.18. Злополуки в резултат на всички опасни спортове или хобита: алпинизъм или по време на планинско катерене, където се използват въжета и други пособия, авиаторство и парашутизъм, гмуркане, бънджи скокове, летене с балон, конен спорт, автомобилизъм, водни ски, работа с дървообработващи машини, освен ако не е договорено друго.

[95] Adventure sports cover: Conditional ↩

Bul Ins's general terms exclude accidents resulting from dangerous sports or hobbies such as mountaineering/rock climbing with ropes, aviation and parachuting, diving, bungee jumping, hot-air ballooning, horse riding, motor racing, and water skiing, 'unless otherwise agreed' in the policy — meaning adventure/extreme sports cover is not automatic and would need to be specifically arranged with the insurer, typically via a separate rescue-costs add-on product.

4.18. Злополуки в резултат на всички опасни спортове или хобита: алпинизъм или по време на планинско катерене, където се използват въжета и други пособия, авиаторство и парашутизъм, гмуркане, бънджи скокове, летене с балон, конен спорт, автомобилизъм, водни ски, работа с дървообработващи машини, освен ако не е договорено друго.

[96] Pregnancy complications: Not established from the reviewed documents ↩

The IPID excludes examinations related to pregnancy and termination of pregnancy, but does not use the term 'complications' and elsewhere preserves cover for emergency medical assistance in acute illness, so it is unclear whether an acute pregnancy complication would be treated as covered acute illness or excluded pregnancy care.

Прегледи, свързани с бременността и прекратяване на бременност.

[97] Medical expenses: €5,000 – €100,000 ↩

Emergency medical, surgical, pharmaceutical and hospital expenses incurred in connection with the risks of accident and/or sudden sickness, up to a sum insured freely selected by the customer from eight levels between EUR 5,000 and EUR 100,000. This is the mandatory base clause (Clause 1) of the policy.

Застрахователната сума е по избор на клиента - 5 000 евро, 10 000 евро, 15 000 евро, 20 000 евро, 30 000 евро, 50 000 евро, 75 000 евро или 100 000 евро.

[98] Medical transport: €5,000 – €100,000 ↩

Covers expenses for medical transport (when recommended in writing by the attending physician) up to the sum insured under Clause 1 (EUR 5,000–100,000), limited to the cost of organizing such transport to Bulgaria as arranged by the Assistance Company.

Застрахователната сума е по избор на клиента - 5 000 евро, 10 000 евро, 15 000 евро, 20 000 евро, 30 000 евро, 50 000 евро, 75 000 евро или 100 000 евро.

[99] COVID-19 treatment: €5,000 ↩

Emergency medical expenses and medical transport/repatriation costs resulting from COVID-19 illness are covered under Clause 1 up to 10% of the sum insured, but not more than EUR 5,000. For EU travel (excluding Bulgaria) this limit covers costs not reimbursed via the EHIC.

Отговорността на Застрахователя е до 10 (десет) процента от застрахователната сума по настоящата Клауза, но не повече от 5 000 (пет хиляди) евро.

[100] Personal liability: Optional ↩

Optional Clause 3: covers, within the agreed sum insured, sums the insured becomes obliged to pay under a court decision or settlement for damages caused to third parties, occurring outside Bulgaria during the insurance period. The specific sum-insured range for this clause was not found in the available sources.

Застрахователят се задължава да покрие в рамките на договорената застрахователна сума всички суми, които Застрахованият бъде задължен да плати...

[101] Emergency dental: €350 ↩

Covers emergency dental treatment, including anesthesia, for severe pain and inflammatory processes resulting from an accident or sudden sickness requiring immediate dental care, arising during the insurance period, under a separate sum insured of EUR 350.

покрива разноските за спешно зъболечение, включително анестезия, в случаи на силни болки и възпалителни процеси... със застрахователна сума 350 (триста и петдесет) евро.

[102] Search & rescue: Optional ↩

Optional Clause 7: covers and reimburses expenses for search and rescue of the insured in mountain areas or water basins by specialized rescue services, up to the independently selected sum insured for this clause; ransom costs are not covered. No specific sum-insured figure for this clause was found in the available sources.

не покрива разходи и суми за откуп в случай на предполагаемо отвличане на Застрахования.

[103] Legal assistance: €1,500 ↩

Optional Clause 2: covers expenses for lawyer defense up to EUR 1,500 in case the insured is subject to civil liability proceedings under the civil law of the country of travel/stay, in connection with damage caused to a third party or unintentional violation in situations concerning the insured's private life as an ordinary citizen.

Застрахователят покрива разноските за адвокатска защита до 1500 (хиляда и петстотин) евро...

[104] Emergency medical treatment: €5,000 – €100,000 ↩

The Insurer insures persons travelling abroad for emergency medical, surgical, pharmacy and hospital expenses incurred in relation to accident and/or sudden sickness, up to the sum insured stated in the policy under Clause 1.

Застрахователната сума е по избор на клиента - 5 000 евро, 10 000 евро, 15 000 евро, 20 000 евро, 30 000 евро, 50 000 евро, 75 000 евро или 100 000 евро.

[105] Hospitalization: Covered ↩

Hospital treatment expenses are covered for up to 15 days from the date of the accident or sudden sickness, within the overall Clause 1 sum insured.

покрива разноските, направени за болнично лечение до 15 (петнадесет) дни, считано от датата на злополуката или внезапното заболяване.

[106] Outpatient treatment: €5,000 – €100,000 ↩

Outpatient medical, pharmacy and diagnostic expenses arising from an accident or sudden sickness are covered within the overall Clause 1 sum insured (EUR 5,000–100,000); no separate outpatient sub-limit is stated.

Застрахователната сума е по избор на клиента - 5 000 евро, 10 000 евро, 15 000 евро, 20 000 евро, 30 000 евро, 50 000 евро, 75 000 евро или 100 000 евро.

[107] Medical evacuation: €5,000 – €100,000 ↩

The Assistance Company arranges and pays for transfer of the insured to the closest hospital and, when medically necessary, transfer with medical attendance to a better-equipped hospital or direct repatriation, up to the Clause 1 sum insured (EUR 5,000–100,000).

Застрахователната сума е по избор на клиента - 5 000 евро, 10 000 евро, 15 000 евро, 20 000 евро, 30 000 евро, 50 000 евро, 75 000 евро или 100 000 евро.

[108] Repatriation of remains: €5,000 – €100,000 ↩

Covers transportation of the mortal remains of the insured in the event of death due to accident or sudden sickness to the place of burial in Bulgaria, including an international transport coffin but excluding funeral rites, up to the Clause 1 sum insured (EUR 5,000–100,000).

Застрахователната сума е по избор на клиента - 5 000 евро, 10 000 евро, 15 000 евро, 20 000 евро, 30 000 евро, 50 000 евро, 75 000 евро или 100 000 евро.

[109] Pre existing conditions: Excluded ↩

Events resulting from a chronic illness are explicitly excluded under Clause 1 special exclusions (item 2.7). Expenses for health problems for which the insured had received medical advice against travelling are also excluded (item 2.1). Only sudden and unforeseen changes in health ("sudden sickness") are covered.

при събития, настъпили в резултат на хронично заболяване.

[110] Winter sports cover: Conditional ↩

Ordinary (non-professional) skiing/snowboarding on slopes and trails designated by local authorities is not on the exclusions list and is therefore covered as an ordinary accident risk. Skiing or snowboarding outside designated slopes/trails is excluded (Section X, item 1.20), and professional practice of winter sports or participation in competitions is excluded unless agreed in a specific endorsement (item 1.18).

Каране на ски или сноуборд извън определените за целта от съответните местни власти и планински служби писти, трасета и съоръжения.

[111] Adventure sports cover: Conditional ↩

Section X, item 1.18 excludes professional practice of sports, including extreme sports (as defined in Section II), and participation in competitions, unless otherwise agreed in an endorsement to the policy. As worded, amateur/recreational practice of extreme sports is not listed among the exclusions.

Професионално упражняване на спортове, включително на екстремни спортове и участие в състезания, освен ако е договорено между страните...

[112] Pregnancy complications: Excluded ↩

Pregnancy, childbirth and abortion are explicitly excluded under Clause 1 special exclusions (items 2.8-2.9). Exception: abortion performed to preserve the life or health of the insured and permitted in the country where performed is covered.

при събития в резултат на бременност или последици от нея.

[113] Medical expenses: €5,000 – €100,000 ↩

Covers emergency medical, surgical, pharmaceutical and hospital expenses arising from accident or sudden illness during travel abroad; the insured selects a sum from EUR 5,000 / 10,000 / 15,000 / 20,000 / 30,000 / 50,000 / 75,000 / 100,000.

Застрахователната сума е по избор на клиента - 5 000 евро, 10 000 евро, ... 100 000 евро.

[114] Medical transport: Covered ↩

Costs of medical transport recommended in writing by the attending physician are reimbursed up to the sum insured under this clause, organised by the assisting company.

възстановява ... разходите, извършени за медицински транспорт (когато това писмено е препоръчано от лекуващия лекар) и репатриране

[115] COVID-19 treatment: €5,000 ↩

Emergency medical expenses and medical transport/repatriation costs from COVID-19 illness are covered up to 10% of the Clause 1 sum insured, but not more than EUR 5,000; quarantine costs and testing without a doctor's prescription are excluded.

Отговорността на Застрахователя е до 10 (десет) процента от застрахователната сума ... но не повече от 5 000 (пет хиляди) евро

[116] Personal liability: Covered ↩

As part of the Bulstrad Travel Paket combined product, the insurer covers, up to the agreed sum insured, amounts the insured is legally obliged to pay for damage caused to third parties abroad.

Застрахователят се задължава ... да покрие в рамките на договорената застрахователна сума всички суми, които Застрахованият бъде задължен да плати

[117] Emergency dental: €350 ↩

Emergency dental treatment, including anaesthesia, in cases of severe pain or inflammation resulting from accident or sudden illness, is covered under a separate sum insured of EUR 350.

покрива разноските за спешно зъболечение, включително анестезия ... със застрахователна сума 350 (триста и петдесет) евро

[118] Search & rescue: Covered ↩

Costs of search and rescue operations for the insured in mountain areas or water basins, carried out by specialised rescue services, are covered up to the sum insured under this clause; ransom payments are excluded.

покрива и възстановява разходи за издирване и спасяване на Застрахования в планински местности или водни басейни

[119] Legal assistance: €1,500 ↩

Covers lawyer defence costs up to EUR 1,500 if the insured faces civil liability proceedings abroad in relation to damage caused to a third party or an unintentional violation as a private individual.

Застрахователят покрива разноските за адвокатска защита до 1500 (хиляда и петстотин) евро

[120] Emergency medical treatment: €5,000 – €100,000 ↩

Emergency medical, surgical and hospital treatment prescribed by a physician, covered within the overall medical expenses sum insured selected; events must arise from accident or sudden illness.

Застрахователната сума е по избор на клиента - 5 000 евро, 10 000 евро, 15 000 евро, 20 000 евро, 30 000 евро , 50 000 евро , 75 000 евро или 100 000 евро.

[121] Hospitalization: Covered ↩

Hospital treatment expenses are covered for up to 15 consecutive days from the date of the accident or sudden illness, within the overall medical expenses sum insured.

покрива разноските, направени за болнично лечение до 15 (петнадесет) дни, считано от датата на злополуката или внезапното заболяване

[122] Outpatient treatment: Covered ↩

Outpatient medical, surgical and pharmaceutical expenses following an accident or sudden illness are covered within the overall medical expenses sum insured.

медицински, хирургични, фармацевтични и болнични разноски, свързани с настъпването на рисковете злополука и внезапно заболяване

[123] Medical evacuation: Covered ↩

The assisting company organises transfer of the insured to the nearest suitable hospital, or repatriation with medical attendance, up to the sum insured under this clause.

прехвърлянето на Застрахования в най-близката болница ... или директно репатриране на Застрахования

[124] Repatriation of remains: Covered ↩

Costs of transporting the insured's mortal remains to the place of burial in Bulgaria, including the coffin for international transport (excluding funeral rites), are covered up to the sum insured per insured person.

възстановява разходите ... на тленните останки на Застрахования ... до мястото на погребението в Република България

[125] Pre existing conditions: Excluded ↩

Events resulting from chronic illness are excluded from the medical expenses cover; coverage is limited to accident and sudden illness only.

при събития, настъпили в резултат на хронично заболяване

[126] Winter sports cover: Excluded ↩

Damage sustained while practising sports characterised by heightened risk, including winter sports, is excluded from the standard policy.

делтапланеризъм, парашутизъм, подводни спортове, зимни спортове, конен или ловен спорт

[127] Adventure sports cover: Excluded ↩

Damage from high-risk sports including mountaineering, caving, gliding, parachuting, underwater sports, motor racing and similar is excluded from the standard policy.

Вреди при упражняването на спорт, характеризиращ се с повишен риск, като алпинизъм, пещерно дело

[128] Pregnancy complications: Excluded ↩

Events resulting from pregnancy or its consequences, including termination of pregnancy, are excluded, unless the termination is performed to save the insured's life or health and is legal where performed.

при събития в резултат на бременност или последици от нея

[129] Medical expenses: Covered ↩

Covers emergency medical treatment costs incurred abroad due to illness (incl. COVID-19) or accident, to restore health to a level allowing return home or transport to a hospital in Bulgaria or the country of permanent residence. Specific EUR sums per tier (SILVER/GOLD/PLATINUM) are set out in the contract's sums table, which is not part of the reviewed source documents.

Ние ще възстановим Вашите разходи за медицинско лечение, в случай че по време на пътуване в чужбина трябва да бъдете подложени на спешно медицинско лечение.

[130] Medical transport: Covered ↩

Colonnade Assistance organizes and covers transport to the nearest suitable hospital, using means appropriate for the insured's health condition, after necessary medical assistance abroad has been arranged. Included within the medical expenses and assistance coverage limit.

Колонад Асистанс осигурява, организира и покрива разходите за транспортирането Ви до Болница или до дома Ви на територията на Република България.

[131] COVID-19 treatment: Covered ↩

Medical treatment for COVID-19 illness is explicitly included within standard medical expenses (3.1.1). Documented quarantine expenses (accommodation, food, transport) due to mandatory quarantine imposed by local health authorities because of a positive COVID-19 test are also covered, up to the stated sum, including return-trip costs if quarantine prevents the originally planned return.

Покриват се документално доказаните разходи, в размер до посочената Застрахователна сума, за настаняване, храна и транспорт, ако Вие трябва да удължите престоя си.

[132] Personal liability: Covered ↩

Covers amounts the insured must pay as compensation for property damage and bodily injury caused to third parties in connection with normal lifestyle activities. Key exclusions: damages to family members, vehicle/weapon use, damages in Bulgaria, amounts below EUR 100.

Ние ще възстановим сумите, които Вие бъдете задължени да платите на основание претенции на трети лица като компенсация за вреди.

[133] Emergency dental: Covered ↩

Emergency dental treatment for severe pain and inflammatory processes is covered, for all conditions arising during the policy term and requiring immediate medical attention, up to the sum specified for the chosen tier.

спешно стоматологично лечение, в случай на силни болки и възпалителни процеси, на стойност до посочената Застрахователна сума.

[134] Search & rescue: Covered ↩

Colonnade Assistance covers and reimburses expenses for search and rescue in mountains or bodies of water, carried out by specialized rescue services within a country's territory or international territory. Suspected abduction is excluded.

Ние, чрез Колонад Асистанс, ще покриeм и възстановим разходите за издирването и спасяването Ви в планина или воден басейн.

[135] Legal assistance: Conditional ↩

Legal defence costs paid by the insured before the relevant law-enforcement authority in connection with a third-party liability claim are reimbursed as part of the personal liability coverage, subject to contacting Colonnade Assistance within 3 days of the event. No standalone legal-assistance coverage exists.

Вие или Ваш представител следва да се свържете с Колонад Асистанс по телефона, не по-късно от 3 (три) дни след настъпване на събитието.

[136] Emergency medical treatment: Covered ↩

Included within the overall medical expenses and assistance coverage. Covers emergency outpatient and inpatient treatment abroad due to illness or accident. Limits vary by SILVER/GOLD/PLATINUM tier per the (unreviewed) contract sums table.

Разходите за спешно медицинско лечение включват и се ограничават до разходи за: а) извънболнично лечение...

[137] Hospitalization: Covered ↩

Hospitalization, including procedures and surgeries that cannot be deferred until return to Bulgaria, is included within the medical expenses and assistance coverage. Colonnade Assistance selects the hospital, arranges admission and specialized medical transport. Daily hospital cash benefit is a separate sub-coverage.

болничен престой, включително за манипулации и операции, чието изпълнение не може да се отлага до Вашето завръщане.

[138] Outpatient treatment: Covered ↩

Outpatient treatment including physician-recommended examinations and treatment, physician consultations and fees, and home visits by a physician are included within the medical expenses coverage.

извънболнично лечение - медицински прегледи и лечение, препоръчано от Лекар; за лекарски консултации и възнаграждения.

[139] Medical evacuation: Covered ↩

Colonnade Assistance organizes and covers repatriation of the insured to a hospital or home in Bulgaria if the health condition requires it and previously arranged transport cannot be used. The decision on necessity and destination is made by Colonnade Assistance after approval from the attending physician. Included within the medical expenses and assistance coverage limit.

Колонад Асистанс взима решение дали такова транспортиране е необходимо и изпълнимо, както и избира дестинацията, до която да бъдете транспортирани.

[140] Repatriation of remains: Covered ↩

Upon death of the insured, Colonnade Assistance organizes repatriation of mortal remains to Bulgaria; this transport is included within the medical expenses and assistance coverage sum with no separate cap stated. A sub-cap of EUR 1,000 applies specifically to coffin costs. Alternatively, cremation and repatriation of the urn, or burial abroad, may be arranged up to the cost of repatriation of remains.

При смърт на Застрахован, Колонад Асистанс ще организира репатриране на тленните останки до територията на Република България. Покриват се и разходите за ковчег в размер до 1000 евро.

[141] Pre existing conditions: 10% of insured sum ↩

Only sudden exacerbation of a 'stabilized chronic condition' is covered, up to a sub-limit of 10% of the medical expenses and assistance coverage sum. A condition that worsened within 6 months before the trip start is excluded.

внезапно обостряне на Стабилизирано хронично заболяване... с подлимит до 10% от Застрахователната сума за покритието.

[142] Winter sports cover: Optional ↩

Optional add-on. Removes the general exclusion for winter sports. Covers medical treatment/assistance and accident benefits up to the base variant's sums, replacement ski equipment rental, trip interruption from a winter-sports accident, ski lift pass reimbursement up to EUR 250, and piste-closure compensation of EUR 25/day up to EUR 250 (15 Dec–15 Mar). Available only under age 69 (inclusive) at the start date per the GTC; the IPID separately states 'under 70 years'.

Ние ще покрием Вашите разходи за ски карта... в размер, който не надвишава 250 евро.

[143] Adventure sports cover: Optional ↩

Optional add-on that removes the general exclusion for amateur competitions and extreme sports. Covers medical expenses and assistance, permanent disability/death from accident, and trip interruption, up to the base variant sums for the corresponding covers. Sports listed as 'not covered' (e.g. base jumping, heli-ski, paragliding, WW5+ rafting) remain excluded.

Покрити са следните разходи, възникнали в резултат на упражняване Екстремни спортове, както и в резултат на участие в състезания.

[144] Pregnancy complications: Conditional ↩

Physician visits, transport to a medical facility, and hospitalization due to pregnancy complications arising before the 26th week of pregnancy and requiring immediate medical assistance are covered within the medical expenses sum. Preventive check-ups/consultations and complications arising after week 26 are excluded.

усложнения при бременност, настъпили преди 26-тата седмица от бременността и изискващи незабавна медицинска помощ.

[145] Medical expenses: €5,000 – €50,000 ↩

Core coverage under DZI Svyat. Covers emergency medical expenses resulting from accident or sudden acute illness abroad, including medical transport to specialist facility, medical examination, hospitalisation (including surgery), and prescribed medications. The insured selects a limit of 5000, 10000, 15000, 20000, 30000 or 50000 EUR. This overall limit governs all sub-coverages under the basic coverage section (clause 5.1).

Лимитът за медицинските разходи се избира от Вас и може да бъде в размер на 5 000, 10 000, 15 000, 20 000, 30 000 или 50 000 евро.

[146] Medical transport: €5,000 – €50,000 ↩

Covered as part of emergency medical expenses under clause 5.1.1.1, within the overall selected medical limit (5000–50000 EUR). Includes transport by regular or specialised means as determined by the insurer/assistance company based on the insured's medical condition.

Лимитът за медицинските разходи се избира от Вас и може да бъде в размер на 5 000, 10 000, 15 000, 20 000, 30 000 или 50 000 евро.

[147] COVID-19 treatment: €5,000 – €50,000 ↩

Medical expenses caused by SARS-CoV-2/COVID-19 are explicitly covered as a carve-out from the general epidemic/pandemic exclusion (clause 7.25a). Coverage falls within the selected overall medical expenses limit (5000–50000 EUR). All other epidemic or pandemic-related costs remain excluded.

Лимитът за медицинските разходи се избира от Вас и може да бъде в размер на 5 000, 10 000, 15 000, 20 000, 30 000 или 50 000 евро.

[148] Personal liability: €1,000 – €5,000 ↩

Optional add-on under clause 5.2.6. Covers court-awarded compensation payable by the insured to third parties for material damage to their property or bodily injury caused by the insured, in accordance with civil law of the country of stay. The selectable limit range is 1000–5000 EUR (as with the online-sold packages), recorded in the policy. Excluded: claims arising from ownership or use of motor vehicles, watercraft, weapons or real estate.

а за покритията „Злополука“, „Правна помощ“ и „Отговорност към трети лица“ лимитите са от 1000 EUR до 5000 EUR, като за сключване онлайн те са определени в зависимост от избрания пакет.

[149] Emergency dental: €200 – €400 ↩

Covers emergency dental treatment due to: (a) accident; or (b) acute inflammatory process in the oral cavity with a precise diagnosis (pulpitis, periodontitis or abscess). Limit is 200 EUR when the selected medical expenses limit is 5000 EUR, and 400 EUR when the medical expenses limit exceeds 5000 EUR. Excluded: routine dental check-ups, filling replacement, fitting or repair of prostheses, implants, crowns or bridges.

200 евро при избран лимит за Медицински разходи в размер на 5 000 евро; 400 евро при избран лимит за Медицински разходи над 5 000 евро.

[150] Search & rescue: €2,000 ↩

Under clause 5.1.4, if the insured disappears or there is direct danger to life due to accident or acute illness, the insurer/assistance company covers up to 2000 EUR for search and rescue by local specialised services.

Застрахователят/Асистиращата компания покрива до 2000 (две хиляди) евро разходи за издирването и спасяването му от местни специализирани служби.

[151] Legal assistance: €1,000 – €5,000 ↩

Optional add-on under clause 5.2.5. Covers legal defence costs (lawyer/legal expert) and organises legal protection if a judicial claim is brought against the insured under the laws of the country of stay. The selectable limit range is 1000–5000 EUR, recorded in the policy. Excluded: court bail costs and claims arising from ownership or use of motor vehicles, watercraft, weapons or real estate.

а за покритията „Злополука“, „Правна помощ“ и „Отговорност към трети лица“ лимитите са от 1000 EUR до 5000 EUR, като за сключване онлайн те са определени в зависимост от избрания пакет.

[152] Emergency medical treatment: €5,000 – €50,000 ↩

Covers costs for emergency medical care including medical examination, hospitalisation and surgical intervention abroad due to accident or acute illness. Covered within the overall medical expenses limit selected by the insured (5000–50000 EUR). First-contact medical review costs are covered even if the event is subsequently found not to be covered; follow-up treatment in such cases is not covered.

Лимитът за медицинските разходи се избира от Вас и може да бъде в размер на 5 000, 10 000, 15 000, 20 000, 30 000 или 50 000 евро.

[153] Hospitalization: €5,000 – €50,000 ↩

Hospitalisation costs including surgical intervention are covered as part of emergency medical expenses under clause 5.1.1.1, within the selected overall medical limit (5000–50000 EUR). Additionally, a daily hospital allowance of 10 EUR per day for up to 10 consecutive days is payable under clause 5.1.10.

Лимитът за медицинските разходи се избира от Вас и може да бъде в размер на 5 000, 10 000, 15 000, 20 000, 30 000 или 50 000 евро.

[154] Outpatient treatment: €5,000 – €50,000 ↩

Outpatient medical examination and purchase of prescribed medications related to the diagnosed condition are covered under the emergency medical expenses clause 5.1.1.1, within the selected overall medical limit (5000–50000 EUR). Costs for prostheses of any kind are excluded.

Лимитът за медицинските разходи се избира от Вас и може да бъде в размер на 5 000, 10 000, 15 000, 20 000, 30 000 или 50 000 евро.

[155] Medical evacuation: €5,000 – €50,000 ↩

Covered under clause 5.1.2.1. In case of accident or acute illness abroad, the insurer/assistance company organises and pays for repatriation of the insured to a hospital in Bulgaria for continuation of treatment. The insurer/assistance company determines whether repatriation can occur as a regular passenger or requires specialised transport. Repatriation expenses incurred without prior approval of the insurer/assistance company are not covered. Costs fall within the overall selected medical expenses limit.

Лимитът за медицинските разходи се избира от Вас и може да бъде в размер на 5 000, 10 000, 15 000, 20 000, 30 000 или 50 000 евро.

[156] Repatriation of remains: €5,000 – €50,000 ↩

Under clause 5.1.2.2, the insurer/assistance company organises and covers transport of the body or remains from the place of death to a designated location in Bulgaria, within the overall selected medical limit (5000–50000 EUR); storage and funeral costs in Bulgaria are excluded. Under clause 5.1.3, a separate fixed sub-limit of up to 2000 EUR is payable for burial at the place of death abroad.

Лимитът за медицинските разходи се избира от Вас и може да бъде в размер на 5 000, 10 000, 15 000, 20 000, 30 000 или 50 000 евро.

[157] Pre existing conditions: See details ↩

Excluded under clause 7.3: costs for medications and treatment of diseases known before departure, as well as existing chronic diseases, are not covered. Exception only if symptoms are sudden, acute and immediately life-threatening. Travelling in violation of a medical prescription is also excluded (clause 7.5). Persons with recognised disability of 50% or more cannot be insured (clause 2.1.2).

Разходи за медикаменти и лечение на заболяване, известно преди датата на заминаване, както на съществуващи хронични заболявания, освен в случаите, когато симптомите са внезапни, остри и непосредствено застрашаващи живота на Застрахования;

[158] Winter sports cover: Conditional ↩

Amateur winter sports on marked, categorised, secured and signposted ski pistes are covered, provided all required safety measures are observed and necessary equipment is used. Off-piste skiing is explicitly excluded (clause 7.19.3). Heliskiing, heliboarding and similar extreme snow sports are also excluded (clause 7.19.7). Coverage is conditional on full compliance with safety requirements.

практикуване на зимни спортове извън обособените, категоризирани, обезопасени и сигнализирани със специална маркировка ски писти (включително извън учебни ски плацове за начинаещи);

[159] Adventure sports cover: Conditional ↩

Routine amateur sporting activities are covered provided all required safety precautions are observed and necessary equipment is used (clause 7.19.1). Sports requiring certification (e.g. diving, caving) are only covered if the insured holds the required certificate and uses appropriate equipment (clauses 7.19.4, 7.19.5). Mountaineering on non-categorised routes without ropes or specialised equipment is excluded (clause 7.19.6). Motor sports, sport climbing, ice climbing, bouldering, heliskiing, heliboarding, base jumping, paragliding, hang-gliding, parachuting and expeditions to extreme environments (deserts, mountains above 5500m, jungles, Arctic and Antarctic) are entirely excluded (clause 7.19.7).

упражняване на всички видове моторни спортове, спортно катерене, ледено катерене, боулдър, хелискийнг, хелибординг

[160] Pregnancy complications: Conditional ↩

Costs related to pregnancy, complications, childbirth and abortion are excluded (clause 7.4). Exception: medical expenses necessary to save the life of the pregnant woman and/or the baby are covered, but only if at the departure date at least two months remain until the doctor-determined due date. Treatment for general pregnancy care or elective procedures is not covered.

Покриват се само медицински разходи, свързани със спасяване живота на бременната и/или на детето в случай, че към датата на заминаване в чужбина са останали два месеца до определения от лекар термин на раждане;

[161] Medical expenses: €2,000 – €100,000 ↩

Covers reasonable and usual costs of inpatient and outpatient treatment, diagnostics, and medicines prescribed by a licensed physician, following an accident or acute illness abroad. The overall limit of liability is freely selectable between EUR 2,000 and EUR 100,000; however, for insured persons aged 75 and over the overall limit is capped at EUR 15,000 regardless of the selected option. Medicines must be purchased within 5 days of the prescription date.

Общият лимит по полицата се избира от Вас и в зависимост от основното покритие може бъде минимум 2 000 евро и максимум 100 000 евро.

[162] Medical transport: Covered ↩

Medical transport is included within the basic coverage (Option A), covering transport of the insured from the site of the event to the nearest suitable medical facility or physician. Falls within the overall limit of liability; no separate sub-limit stated.

медицински транспорт на застрахованото лице от мястото на настъпване на застрахователното събитие до най-близкото лечебно заведение или лекар;

[163] COVID-19 treatment: Covered ↩

Euroins confirms that medical expenses arising from COVID-19 are covered, falling under the general medical expenses cover for acute illness first occurring abroad during the period of cover. No separate sub-limit is stated; cover falls within the overall medical expenses limit of liability (EUR 2,000–100,000).

Yes, we cover medical expenses in the event of COVID-19, as specified in the General Terms and Conditions.

[164] Personal liability: €1,000 ↩

Covers the insured's civil liability for damage caused to third parties while travelling abroad, including non-material and material damages from bodily injury or death, damage to third-party property, and court costs awarded against the insured. Sub-limit: up to EUR 1,000 per event. Included in both Option A and Option B.

Гражданска отговорност: до 1000 евро

[165] Emergency dental: €200 ↩

Covers reasonable and usual costs for emergency dental care, limited strictly to cases of pulpitis, abscess, or tooth extraction. Sub-limit: up to EUR 200 per insured event. This benefit is reimbursement-only — the insured pays first and then claims reimbursement, as it is not among the costs paid directly by the assistance company.

Спешна стоматологична помощ в случай на пулпит, абсцес или екстракция на зъб: до 200 евро

[166] Search & rescue: €3,000 – €10,000 ↩

Search, rescue and first-aid costs incurred by local specialized services are available as an optional additional risk, with a selectable limit of EUR 3,000, 5,000 or 10,000. Excluded where the insured violated established rules, markings, warning/prohibition signs or instructions of guides, rescue services or competent authorities, and in deserts, jungles, mountains above 4,000 m, the Arctic and Antarctic.

Спасителни разходи: до 3 000, 5 000 или 10 000 евро

[167] Legal assistance: €1,000 ↩

Covers legal defence costs where a claim for third-party damages or an administrative offence under local law is filed against the insured while travelling abroad. Sub-limit: up to EUR 1,000. This benefit is only available if Option B is selected — it is not included under Option A. Excludes court bail/fines, witness/expert costs, and court fees including state duties.

Правни разноски: до 1 000 евро

[168] Emergency medical treatment: Covered ↩

Emergency and urgent medical care is included within the overall medical expenses cover; medical assistance is limited to activities aimed at controlling acute pain and restoring the insured's health to a level allowing continuation of the trip or medical repatriation. No separate sub-limit; falls under the overall limit of liability (EUR 2,000–100,000).

Медицинската помощ по ал.1 включва само медицинските дейности, насочени към овладяване на острата болкова симптоматика и възстановяване на здравето на застрахованото лице до степен, която му позволява да продължи пътуването или да бъде извършено медицинско репатриране.

[169] Hospitalization: Covered ↩

Emergency hospitalization for diagnosis and inpatient treatment in a standard room is covered as part of medical expenses, limited to a maximum of 20 days per insured event. Falls within the overall limit of liability (EUR 2,000–100,000); no separate monetary sub-limit is stated.

спешна хоспитализация за диагностика и стационарно лечение в стандартна стая на лечебното заведение за не повече от 20 (двадесет) дни;

[170] Outpatient treatment: Covered ↩

Outpatient treatment, including medical examinations, procedures and diagnostic tests performed by licensed medical specialists, is included in the core medical expenses cover. No separate sub-limit; falls under the overall limit of liability (EUR 2,000–100,000).

медицински прегледи, манипулации и изследвания, назначени и проведени от правоспособни медицински специалисти;

[171] Medical evacuation: Covered ↩

Medical repatriation to a hospital in Bulgaria or the insured's country of permanent residence is included within the basic coverage, subject to prior approval by the insurer/assistance company and a medical opinion confirming fitness to travel. Falls within the overall limit of liability; no separate sub-limit stated.

репатриране на застрахованото лице от лечебно заведение в чужбина до лечебно заведение в Република България или до държавата на постоянното му местожителство с цел продължаване на лечението в болнични условия;

[172] Repatriation of remains: 10% of insured sum ↩

Repatriation of the insured's mortal remains to Bulgaria or their country of permanent residence is included in the basic coverage without a separate percentage cap. As an alternative, burial or cremation abroad is covered up to 10% of the agreed overall limit of liability.

погребение или кремация в чужбина в размер до 10 (десет) процента от договорения общ лимит на отговорност.

[173] Pre existing conditions: Excluded ↩

Past or chronic diseases and their recurrences are excluded from the basic coverage by default (Art. 28(3)(1)). Specific named exclusions include multiple sclerosis, epilepsy, cirrhosis, osteoporosis, malignant/benign tumours (regardless of when first manifested), congenital anomalies, AIDS and sexually transmitted diseases. A related but distinct optional rider, 'worsening of chronic illness', covering acute deterioration of a chronic condition during the trip, may be added at policy issuance with a selectable limit of EUR 250, 500 or 2,000 — this rider does not cover the underlying chronic/pre-existing condition itself.

минали или хронични заболявания или техни рецидиви;

[174] Winter sports cover: Optional ↩

Winter sports are not automatically covered; any sport or activity carrying increased health risk must be explicitly agreed and recorded as the purpose of travel in the policy to extend cover to it (Art. 27). Heli-skiing is explicitly excluded regardless of declaration (Art. 28(2)(4)); regular skiing/snowboarding is not named as a hard exclusion but must be declared as the travel purpose and requires necessary protective equipment and use of marked/maintained pistes (Art. 28(2)(2)).

контактни спортове, скално катерене, алпинизъм, планинарство над 4000 метра надморска височина, хели ски, гмуркане на дълбочини над 10 метра, мотоциклетизъм, парашутизъм, безмоторно летене, бейсджъмпинг, пещернячество, спелеология, циркова дейност, каскади

[175] Adventure sports cover: Optional ↩

Extreme/adventure sports are excluded unless the tourism activity is organized by a licensed tour operator with an accompanying licensed instructor or guide, and unless the activity is explicitly agreed and recorded as the purpose of travel (Art. 27). Named hard exclusions include contact sports, rock climbing, alpinism, mountaineering above 4,000 m, heli-skiing, diving below 10 m, motorcycling, parachuting, paragliding, base jumping, caving, speleology, circus activities and stunts.

туризъм, включващ екстремни спортове, който не е организиран от лицензиран туроператор и/или без придружаващ лицензиран инструктор или водач;

[176] Pregnancy complications: €500 – €2,000 ↩

Pregnancy, childbirth and abortion, including their consequences, are excluded from the basic coverage by default (Art. 28(3)(2)). As an optional additional risk, complications arising after the 26th completed week of gestation that directly threaten the health or life of the mother and/or baby may be covered, with a selectable limit of EUR 500, 1,000 or 2,000; complications known to the insured and diagnosed before the policy was concluded (high-risk/pathological pregnancy) are not covered.

Усложнения при бременност след 26 г.с.: до 500, 1 000 или 2 000 евро

[177] Medical expenses: €2,000 – €50,000 ↩

Covers outpatient and inpatient medical expenses resulting from accident or acute illness abroad. The insured selects a sum insured (limit of liability) for the basic cover within a range of EUR/USD 2,000 to EUR/USD 50,000. For persons over 70, the maximum insured sum under basic cover is 30,000 currency units, with a sub-limit of 5,000 currency units for medical expenses due to acute illness. A health questionnaire is required for limits above 100,000 currency units.

within the limits set out by the Insurer, namely from EUR/USD 2,000 to EUR/USD 50,000

[178] Medical transport: €25,000 ↩

Covers the cost of returning the insured to Bulgaria during inpatient treatment when the insured's health condition allows continuation of treatment in Bulgaria, organized by the assistance company. The limit is up to the agreed basic coverage limit but not exceeding 25,000 currency units. The decision on timing and mode of transport is made exclusively by the doctors designated by the assistance company.

Ние покриваме разходите Ви за завръщане в Република България до размера на избрания от Вас лимит на отговорност по Основно покритие, но за не повече от 25 000 вал. ед.

[179] COVID-19 treatment: €5,000 ↩

Upon diagnosis of COVID-19 (SARS-CoV-2) infection, the insurer covers up to the agreed basic policy limit but not more than 5,000 currency units for: outpatient and inpatient medical treatment expenses; costs of returning to Bulgaria during inpatient treatment; and repatriation of remains. Coverage is included in the basic cover but subject to a sub-limit of 5,000 currency units.

При диагностицирана инфекция с „коронавирус“ ние покриваме до размера на договорения в полицата лимит на отговорност за основно покритие, но не повече от 5 000 вал. ед.

[180] Personal liability: Optional ↩

Optional clause covering the insured's liability up to the agreed policy limit if during travel abroad the insured causes death, bodily injury, illness, or damage to third-party property. The T&C does not state a fixed numeric limit; it is set per the agreed policy value. Excludes liability from vehicles, watercraft, aircraft, weapons, real estate, intentional crimes, fines, contractual/professional liability, and damages under alcohol/drugs. Not available for minors.

Ние покриваме отговорността Ви до договорения в полицата лимит, ако при Вашето пътуване в чужбина причините смърт, телесни увреждания или заболявания на трети лица.

[181] Emergency dental: €250 ↩

Covers emergency dental treatment up to 250 currency units per event and in total for the entire policy period. Covered services: removal of severe toothache due to accident; relief of severe pain from acute inflammatory processes in the oral cavity with precise diagnosis (pulpitis, periodontitis, abscess); extraction of a suddenly broken or deeply damaged tooth including anaesthesia. One follow-up check-up after treatment is also covered.

Разходите за спешно дентално лечение покриваме при лимит на отговорност до 250 вал. eд. за всяко едно събитие и общо за всички събития през срока на застраховката.

[182] Search & rescue: €2,000 ↩

The insurer pays through the assistance company the costs charged by local specialized services for mountain search and rescue operations. The limit is 2,000 currency units per event and in total for the entire policy period.

Лимитът на покритие е до 2 000 вал. ед. за едно събитие и общо за срока на застраховката.

[183] Legal assistance: Optional ↩

Optional clause organized through the assistance company, covering legal assistance costs and defense in court proceedings abroad initiated against the insured for damages caused to third parties, up to the agreed policy limit (no fixed number stated in the T&C). Coverage applies to costs incurred up to one month after the expiry of the policy. Not available for minors.

Ние организираме чрез Асистанс компанията и покриваме разходите до договорения в полицата лимит за правна помощ и Вашата защита в съдебно производство в чужбина.

[184] Emergency medical treatment: €2,000 – €50,000 ↩

Emergency medical treatment is covered as part of the basic coverage within the selectable sum insured range of EUR/USD 2,000–50,000. Covers stabilization of acute conditions, surgical intervention, physician fees, prescribed medicines, and hospitalization in a standard room. Only acute/emergency treatment is covered; non-urgent treatment or treatment that was the purpose of travel is excluded.

within the limits set out by the Insurer, namely from EUR/USD 2,000 to EUR/USD 50,000

[185] Hospitalization: €2,000 – €50,000 ↩

Covers inpatient hospitalization costs within the selectable basic-cover sum insured (EUR/USD 2,000–50,000), including emergency ambulance transport, admission and stay in a standard room, medical examinations, diagnostics, therapeutic and surgical treatment, physician fees, and prescribed medications. Coverage is limited to treatment needed to stabilize the acute condition or pain symptoms.

Ние организираме чрез Асистанс компанията и покриваме разходите за... настаняването/приемът Ви в болница за лечение и престой в стандартна стая.

[186] Outpatient treatment: €2,000 – €50,000 ↩

Covers outpatient treatment costs within the selectable basic-cover sum insured (EUR/USD 2,000–50,000), including emergency ambulance transport from the scene of the accident/acute illness to the nearest medical facility, medical examinations and tests (laboratory analyses, X-ray diagnostics, etc.), prescribed medicines, and specialist physician fees. Covered when early termination of travel is not required.

По застраховката ние покриваме разходите за Вашето амбулаторно лечение, което не изисква предсрочно прекратяване на пътуването в чужбина.

[187] Medical evacuation: €25,000 ↩

Medical evacuation-type transport is composed of the emergency ambulance transport to the nearest facility under clauses 19.1/19.2 and, where return to Bulgaria is needed, is capped at the agreed basic coverage limit but not exceeding 25,000 currency units under clause 19.5. If required, a medical specialist to accompany the insured during return is also covered.

Ние покриваме разходите Ви за завръщане в Република България до размера на избрания от Вас лимит на отговорност по Основно покритие, но за не повече от 25 000 вал. ед.

[188] Repatriation of remains: €25,000 ↩

In the event that the insured dies while traveling abroad, the assistance company organizes and covers the transport of the body or cremated remains to Bulgaria, to the locality designated by the next of kin. The limit is up to the agreed basic coverage limit but not exceeding 25,000 currency units. Storage costs, funeral rites, and burial expenses are not covered.

Ние покриваме разходите за транспортиране на тленни останки до размера на избрания от Вас лимит на отговорност по Основно покритие, но за не повече от 25 000 вал. ед.

[189] Pre existing conditions: See details ↩

Expenses for treatment of conditions (diseases) existing at the time of taking out the insurance are explicitly excluded, regardless of whether they were known to the insured at that time. Only persons in good health at the time of policy conclusion who are fit to travel and are not violating medical advice are eligible for coverage.

разходи за лечение на съществуващи към момента на сключване на застраховката заболявания, независимо дали са Ви били известни към този момент;

[190] Winter sports cover: Optional ↩

Optional add-on package covering ski/snowboard-related losses: (1) Own ski/snowboard equipment stolen by break-in or destroyed by fire, natural disaster, attempted break-in, or accident – limit up to 150 currency units total. (2) Hired replacement equipment – limit up to 15 currency units per day, max 7 days. (3) Unused portion of ski facility pass due to accident or acute illness – limit up to 50 currency units per day, max 7 days.

Нашият лимит на отговорност е до 150 вал. ед. общо за всички погинали или откраднати артикули.

[191] Adventure sports cover: Optional ↩

Amateur participation in extreme sports and professional participation in any sport or organized sports competitions are explicitly excluded from the standard policy. Upon explicit agreement noted in the policy and payment of additional premium, the insurer can include these activities grouped by risk classes.

любителско упражняване на екстремни спортове, професионално упражняване на какъвто и да е спорт, както и участие в организирани спортни състезания /като аматьор или професионалист/.

[192] Pregnancy complications: See details ↩

Expenses related to pregnancy and/or complications arising from it, including abortion, are explicitly excluded. Complications of pregnancy, childbirth, and the post-natal period, and abortion outside hospital conditions are not considered accidents and are excluded from the accident clause.

разходи, свързани с бременност и/или усложнения, дължащи се на нея включително аборт;

[193] Medical expenses: €5,000 – €100,000 ↩

Covers unforeseen and urgent medical expenses arising from an accident or acute illness during travel abroad, including medical examinations, investigations, treatment, surgery, prescribed medicines, medical devices, hospitalisation, and emergency ambulance transport. Single-trip insured sum: 5,000–100,000 EUR/USD (basic cover). The Multitrip (annual) variant is separately marketed with an insured sum of up to 50,000 EUR/USD. For persons over 64, the limit for acute illness is 50% of the policy sum, max 2,500 EUR/USD.

ОСНОВНО ПОКРИТИЕ със застрахователна сума от 5 000 EUR/USD до 100 000 EUR/USD

[194] Medical transport: €5,000 – €100,000 ↩

Covers costs for emergency ambulance transport of the insured from the place of accident or illness to the nearest medical facility, as a sub-component of the overall Basic Cover insured sum (5,000–100,000 EUR/USD); liability under every basic-cover benefit runs until the insured sum is exhausted, per clause 71.

ОСНОВНО ПОКРИТИЕ със застрахователна сума от 5 000 EUR/USD до 100 000 EUR/USD

[195] COVID-19 treatment: See details ↩

The policy's general exclusions explicitly exclude epidemics or pandemics and their consequences, including any related health services.

Епидемия или пандемия, както и техните последствия, включително всякакви здравни услуги.

[196] Personal liability: €1,000 ↩

Covers the insured's liability for material and non-material damages caused to third parties abroad, settled on an out-of-court agreement approved by the insurer or a final court judgment. Limit: up to 1,000 USD/EUR. Excludes liability towards family members and liability arising from motor vehicles.

Лимитът на отговорност на Застрахователя е в размер до 1 000 USD/EUR.

[197] Emergency dental: €400 ↩

Covers emergency dental treatment for relief of severe pain due to physical injury from an accident or acute inflammatory process in the oral cavity, as diagnosed by a dentist. Sub-limit: up to 400 USD/EUR. Routine dental care is excluded.

Лимитът на отговорността на Застрахователя по това покритие е в размер до 400 USD/EUR.

[198] Search & rescue: €5,000 ↩

Optional add-on coverage available for an additional premium. Covers ordinary and pre-approved, actually incurred costs by local specialised services for search and rescue of the insured in mountainous areas or water bodies, and first aid. Sub-limit: up to 10% of the basic coverage insured sum, maximum 5,000 EUR/USD.

Подлимитът на отговорност по покритие „Спасителни разноски“ е в размер до 10% от застрахователната сума по Основно покритие, но не повече от 5 000 USD/EUR.

[199] Legal assistance: €1,000 ↩

Covers legal defence costs and/or court expenses if the insured is held liable under civil law in the country of travel in connection with damages caused to a third party, or an unintentional violation related to their private life. Limit: up to 1,000 USD/EUR.

Лимитът на отговорността на Застрахователя по това покритие е в размер до 1 000 USD/EUR.

[200] Emergency medical treatment: €5,000 – €100,000 ↩

Covers emergency medical treatment costs (consultations, examinations, treatment, surgical intervention) arising directly from an accident or acute illness during travel. Included within the overall medical expenses limit. Unauthorised treatment without prior coordination with the assistance company reduces the liability limit to 200 EUR/USD.

ОСНОВНО ПОКРИТИЕ със застрахователна сума от 5 000 EUR/USD до 100 000 EUR/USD

[201] Hospitalization: €5,000 – €100,000 ↩

Inpatient hospitalisation costs are covered as a sub-component of the overall medical expenses benefit. No separate sub-limit is specified; covered up to the overall policy sum.

ОСНОВНО ПОКРИТИЕ със застрахователна сума от 5 000 EUR/USD до 100 000 EUR/USD

[202] Outpatient treatment: €5,000 – €100,000 ↩

Outpatient medical consultations, examinations and treatment are covered within the overall medical expenses limit. No separate sub-limit stated; covered up to the policy insured sum.

ОСНОВНО ПОКРИТИЕ със застрахователна сума от 5 000 EUR/USD до 100 000 EUR/USD

[203] Medical evacuation: €5,000 – €100,000 ↩

Covers repatriation of the insured from abroad back to Bulgaria or to a medical facility in Bulgaria, as determined by medical specialists appointed by the assistance company, as a sub-component of the overall Basic Cover insured sum (5,000–100,000 EUR/USD). Repatriation is carried out only if the insured's condition permits transport.

ОСНОВНО ПОКРИТИЕ със застрахователна сума от 5 000 EUR/USD до 100 000 EUR/USD

[204] Repatriation of remains: €5,000 – €100,000 ↩

Covers all costs related to repatriation of the insured's mortal remains from the place of death to the place of burial in Bulgaria, as a sub-component of the overall Basic Cover insured sum (5,000–100,000 EUR/USD). Funeral ritual and inventory costs are not included.

ОСНОВНО ПОКРИТИЕ със застрахователна сума от 5 000 EUR/USD до 100 000 EUR/USD

[205] Pre existing conditions: Conditional ↩

Pre-existing conditions are generally not covered. However, if a chronic or pre-existing condition manifests as a sudden, acute, life-threatening complication requiring emergency medical intervention, the insurer covers only the costs for stabilising the critical condition.

В резултат на хронично или предшестващо заминаването заболяване, освен, когато симптомите са внезапни, остри и непосредствено застрашаващи живота на Застрахования.

[206] Winter sports cover: Optional ↩

Amateur skiing and snowboarding are included in Sport Group A and are covered only with payment of an additional premium. Other winter sports (excl. ski and snowboard) are excluded as amateur activities when no additional premium has been paid.

Група А:любителско каране на ски, сноуборд, планински туризъм (до 4 000 м. надморска височина) на обозначените за това места.

[207] Adventure sports cover: Optional ↩

Sports are classified into Groups A, B, and C, covered with an additional premium; Group C professional sports require a separately negotiated additional premium. Amateur practice of motor sports, air sports, mountaineering, combat sports, spelunking, underwater sports, rafting, jet ski, parasailing and winter sports (excl. ski and snowboard) are excluded unless the corresponding additional premium has been paid.

За лечение или медицински грижи и злополуки, в резултат на любителско упражняване на спортове: моторни спортове.

[208] Pregnancy complications: Excluded ↩

Explicitly excluded: events resulting from pregnancy and all pregnancy-related complications, termination of pregnancy, childbirth, spontaneous abortion, and ectopic pregnancy.

В резултат на бременност и всички усложнения, свързани с бременността, както и прекъсване на бременност, раждане или спонтанен аборт, извънматочна бременност.

[209] Medical expenses: €10,000 – €100,000 ↩

Coverage for emergency medical expenses incurred abroad due to accident or acute illness. The insured sum is selectable from 10,000 EUR to 100,000 EUR; premium depends on the chosen sum, destination, duration, travel purpose, and the number of selectable covers chosen.

Сумата, за която сключиш застраховката - от 10 000 евро до 100 000 евро

[210] Medical transport: Covered ↩

Emergency medical transportation of the insured from the place of the accident or acute illness to the nearest facility for emergency care is covered, up to the limit set in the policy; no separate sub-limit figure is stated.

Медицинско транспортиране по спешност на Застрахования от мястото на злополуката или мястото, където е настъпило акутното заболяването

[211] COVID-19 treatment: Covered ↩

Medical expenses due to COVID-19 are explicitly included within the core emergency medical expenses benefit, up to the limit set in the policy; no separate sub-limit figure is stated.

включително COVID-19

[212] Personal liability: Not established from the reviewed documents ↩

Personal liability towards third parties is covered up to the limit set in the policy; no separate sub-limit is stated.

Гражданска отговорност към трети лица

[213] Emergency dental: Covered ↩

Emergency dental treatment abroad is covered. The GC excludes general dental expenses but specifically carves out emergency dental treatment up to the liability limit stated in the policy; no separate sub-limit figure is stated.

Разходи за зъболечение, с изключение на спешното дентално лечение до посочения в полицата лимит на отговорност.

[214] Search & rescue: Not established from the reviewed documents ↩

Search and rescue expenses are covered up to the limit set in the policy; no separate sub-limit is stated.

Спасителни разноски

[215] Legal assistance: Not established from the reviewed documents ↩

Legal/attorney defense costs and/or court expenses are covered if the insured is held liable under civil law, up to the limit set in the policy; no separate sub-limit is stated.

Ние покриваме разходи за адвокатска защита и/или съдебни разноски

[216] Emergency medical treatment: €10,000 – €100,000 ↩

Emergency medical treatment abroad following an accident or acute illness is a core covered risk, supported by 24/7 Bulgarian-language assistance and a worldwide clinic network. Covered within the overall selected insured sum (10,000-100,000 EUR).

Сумата, за която сключиш застраховката - от 10 000 евро до 100 000 евро

[217] Hospitalization: Covered ↩

Hospitalization costs abroad are covered as part of the emergency medical expenses benefit, up to the insured sum in the policy; no separate sub-limit applies.

Рисковете, които покриваме, са до размера на посочената в застрахователната полица застрахователна сума

[218] Outpatient treatment: Covered ↩

Outpatient emergency medical treatment abroad is covered as part of the emergency medical expenses benefit, up to the limit set in the policy; no separate outpatient sub-limit is stated in the IPID.

Медицински разноски и медицинско транспортиране и репатриране вследствие на злополука или акутно заболяване

[219] Medical evacuation: Covered ↩

Medical evacuation to the nearest facility able to provide emergency care is covered as part of the medical-transportation clause, up to the limit set in the policy; no separate sub-limit figure is stated.

Медицинско транспортиране по спешност на Застрахования от мястото на злополуката или мястото, където е настъпило акутното заболяването

[220] Repatriation of remains: Covered ↩

In case of death caused by accident or sudden illness, the insurer covers repatriation of the insured's mortal remains to the place designated by the family, or burial, within the overall selected medical-expenses insured sum; no separate sub-limit is stated.

Репатриране на тленните останки на Застрахования в случай на смърт, причинена от злополука или внезапно заболяване до мястото посочено от Семейството или погребението.

[221] Pre existing conditions: Conditional ↩

Pre-existing diseases or conditions are excluded from cover (clause 5.14: costs related to pre-existing accidents and/or pre-existing diseases are excluded; clause 5.39: illnesses that appeared before departure and were untreated or not fully treated are also excluded). For a chronic or pre-existing illness, cover applies only to the costs of stabilising a sudden, acute episode that is immediately life-threatening (clause 5.36).

Разходи свързани с предшестващи злополуки и/или предшестващи заболявания.

[222] Winter sports cover: Optional ↩

The official product page lists the "Winter Sports" package (equipment theft/damage, rental replacement equipment, unused ski-lift pass) among selectable covers, not the base cover. The GC confirms travel for the purpose of heavy physical work or amateur winter sports is insured only under individually negotiated terms.

събития като кражба на екипировка или вземане на заместваща под наем (пакет „Зимни спортове“)

[223] Adventure sports cover: See details ↩

Professional and/or extreme sports, and participation in related training or competitions, are not covered (clause 5.19). Costs for a sport practiced without payment of the required additional premium under the insurer's tariff are also excluded (clause 5.41). High-risk activities are excluded unless separately agreed, and are excluded in all cases under a Multitrip policy (clause 5.46).

Не се покрива Застрахования при участието му в професионален и/или екстремен спорт, участие в тренировки и състезания.

[224] Pregnancy complications: See details ↩

The GC's exclusions list states costs resulting from pregnancy, including pathological pregnancy, and all related complications, childbirth or miscarriage are excluded unless otherwise agreed.

Изключени по настоящите Общи условия, освен ако не е договорено

[225] Medical expenses: Covered ↩

Covers medical treatment costs and repatriation resulting from an accident or acute illness while traveling abroad; the sum insured is agreed per risk and stated in the policy at the policyholder's choice. For persons over 70, cover for acute illness is capped at 4,000 EUR/USD regardless of the chosen sum insured, and hospital stay is limited to 25 days per event and 60 days aggregate per policy term.

Застрахователната сума е в евро или щатски долари и се определя по избор на Застраховащия.

[226] Medical transport: Covered ↩

Initial and, if needed, onward medical transport to an appropriate medical facility is organised and covered by the insurer through the assistance company within the agreed limit of the medical expenses clause.

ЕВАКУАЦИЯ е първоначален медицински транспорт от мястото на застрахователното събитие до най-близкото лечебно заведение.

[227] COVID-19 treatment: Not established from the reviewed documents ↩

The General Terms and Conditions for 'Travel Assistance Abroad' (code 1801) list only the risks set out in Section IV - medical expenses, emergency dental treatment, rescue expenses, death/permanent disability, daily hospital allowance, personal expenses, baggage, lost documents, third-party liability and legal assistance - with no clause addressing COVID-19 cover. A COVID-19 quarantine benefit is instead found in Lev Ins's separate 'Trip Cancellation' product (code 9110), a different product line.

10. Основни (задължителни) рискове: 10.1. Медицински разноски и/или репатриране вследствие злополука или акутно заболяване; 10.2. Разноски за спешно дентално лечение. 11. Допълнителни (избираеми) рискове: 11.1. Спасителни разноски; 11.2. Смърт и трайно намалена работоспособност вследствие злополука; 11.3. Дневни пари за болничен престой; 11.4. Лични разходи вследствие злополука или акутно заболяване; 11.5. Кражба, загуба или забавяне на личен багаж; 11.6. Разходи за откраднати или изгубени документи; 11.7. Гражданска отговорност към трети лица; 11.8. Правна помощ.

[228] Personal liability: Optional ↩

Optional selectable risk. When included, the insurer pays adjudicated sums up to the policy limit for material and non-material damage caused by the insured to third parties. Excluded are liabilities arising from ownership/use of vehicles, vessels, aircraft, weapons or real estate, contractual obligations, and professional liability. No specific monetary limit is published; it is agreed per policy.

При включен допълнителен риск „Гражданска отговорност към трети лица“, Застрахователят изплаща присъдени суми до размера на договорения в полицата лимит.

[229] Emergency dental: €350 ↩

Expenses for emergency dental treatment (abscess incision, pulpitis, extraction of a suddenly broken or deeply destroyed tooth, including anaesthesia) are a mandatory covered risk, capped at an aggregate 350 EUR/USD for all events within the policy term. For persons over 70 years of age, dental treatment is an excluded risk entirely, including the emergency cases otherwise defined as covered.

Лимитът на отговорност за спешно дентално лечение е 350 евро или щатски долари общо за всички събития в рамките на срока на застрахователната полица.

[230] Search & rescue: Optional ↩

Optional selectable risk. When an additional premium is paid and the risk is included, the insurer through the assistance company pays the customary, pre-approved, actually incurred costs of search, rescue, first aid and transport by organisations engaged in search-and-rescue operations on land, air, and water, including underwater. No specific monetary limit is stated in the terms; the limit is agreed per policy.

Застрахователят чрез Асистанс компанията се ангажира да заплати обичайните и предварително одобрени реално извършени разходи по издирване, спасяване, оказване на първична медицинска помощ и транспорт.

[231] Legal assistance: Optional ↩

Optional selectable risk. The insurer covers actually incurred costs abroad for the insured's legal defence, including attorney fees and court costs, if the insured is held liable under local law for damage to third parties or for unintentional acts or breaches of local rules of an administrative character, acting as an ordinary citizen. Liability arising from vehicle use or professional liability is excluded. No specific monetary limit is published; agreed per policy.

По риска „Правна помощ“ Застрахователят покрива действително извършените в чужбина разходи, свързани с правна защита на Застрахования.

[232] Emergency medical treatment: Covered ↩

Under the medical expenses risk, the insurer through the assistance company selects and directs the insured to a suitable medical facility or doctor depending on health condition, arranges transport if needed, and pays actually incurred costs for examinations, treatment and medicines within the agreed limit.

Застрахователят чрез Асистанс компанията осигурява на Застрахования, избира и го насочва към подходящо лечебно заведение или лекар.

[233] Hospitalization: Covered ↩

Hospital costs are covered under the mandatory medical expenses clause, limited to 25 days per event and 60 days aggregate over the policy term. An optional daily hospital allowance of 20 EUR/USD per 24-hour day, up to 15 days, is available as an additional selectable risk.

Покриват се обичайните и разумни медицински разходи ... с продължителност не повече от 25 дни за едно застрахователно събитие и не повече от 60 дни в агрегат.

[234] Outpatient treatment: Covered ↩

Outpatient treatment for accidents and acute illness is covered within the mandatory medical expenses clause; the assistance company selects and directs the insured to an appropriate physician or facility.

Медицински разноски и/или репатриране вследствие злополука или акутно заболяване;

[235] Medical evacuation: Covered ↩

Within the agreed limit, the insurer covers the customary and reasonable costs of transporting the insured from the place of the event to their home or to a medical facility in Bulgaria or the country of permanent residence, including an accompanying medical team if necessary; repatriation is carried out only if health condition allows.

Застрахователят чрез Асистанс компанията покрива в рамките на договорения лимит действително извършените обичайни и разумни разходи за превозване на Застрахования.

[236] Repatriation of remains: Covered ↩

In case of death, the insurer through the assistance company organises repatriation of the remains and pays for an international transport coffin or cremation costs and transport to the place of burial in Bulgaria or the country of permanent residence; funeral, memorial and inventory costs are excluded.

При репатриране на тленни (кремирани) останки в случай на смърт на Застрахования, Застрахователят чрез Асистанс компанията организира репатриране на тленните останки.

[237] Pre existing conditions: Excluded ↩

Prior accidents and prior diseases of any nature, diagnosed before the start of the policy, are explicitly excluded from coverage; chronic diseases are excluded except for an unforeseen aggravation serious enough to require emergency life-saving care, in which case only the cost of stabilisation is paid.

Предшестващи злополуки и/или предшестващи заболявания;

[238] Winter sports cover: Not established from the reviewed documents ↩

The General Terms and Conditions for 'Travel Assistance Abroad' (code 1801) make no mention of winter sports. The only Lev Ins product that explicitly offers cover for amateur winter sports practice (on marked slopes or off-piste) is the domestic 'Touristic Insurance' (Bulgaria-only) product, a different insurance product from the 1801 travel-abroad policy.

При желание от страна клиента осигуряваме покритие по време на любителско упражняване на зимни спортове, по обозначените за това места или извънпистово

[239] Adventure sports cover: Conditional ↩

Extreme sports are a defined term in the terms and conditions (events or activities characterised by high speed and high risk). Participation in organised competitions/training and sports-related risks are excluded by default but can be covered if otherwise agreed and against an additional premium loading based on the insured's amateur or professional sporting activity.

ЕКСТРЕМНИ СПОРТОВЕ са спортни събития или занимания, характеризиращи се с висока скорост и висок риск.

[240] Pregnancy complications: Conditional ↩

Pregnancy, childbirth, abortion and related complications are excluded in general, but medical expenses to save the life of the pregnant woman and/or child are covered, on condition that at least two months remain to the estimated due date at the start of the trip; expenses for premature birth or abortion caused by a covered accident are also reimbursed.

Покриват се само медицински разходи, свързани със спасяване живота на бременната и/или детето, при условие, че към датата на заминаване остават най-малко два месеца до определения от лекарите термин на бременността.

[241] Medical expenses: €2,000 – €30,000 ↩

The insured selects a medical expense limit of 2,000, 4,000, 5,000, 10,000, 15,000, 25,000 or 30,000 EUR/USD under the Basic/Super/Super+ programmes; the Multitrip annual variant offers 20,000 or 30,000 EUR/USD. Per the General Conditions, this limit applies in aggregate for the whole policy period and is not a separate per-trip cap.

Този лимит в агрегат не може да надвишава застрахователната сума, записана в полица или в тези Общи условия.

[242] Medical transport: €2,000 – €30,000 ↩

Transportation of the insured to a suitable hospital/medical facility is covered under the Basic programme within the aggregate medical expense limit.

Застрахователната сума / Лимитите за медицинските разходи се избират от Вас и може да бъдат 2 000, 4 000, 5 000, 10 000, 15 000, 25 000 или 30 000 евро/щ.д. според избрани от Вас застрахователни програми:

[243] COVID-19 treatment: Conditional ↩

Epidemics are a general exclusion under the General Conditions; however, per the insurer's own COVID-19 guidance, coronavirus-related events are covered for periods before an epidemic/pandemic is officially declared or after it is officially lifted.

За два вида застрахователни продукти - застраховка „Помощ при пътуване“ ... – епидемиите са изключен риск.

[244] Personal liability: Not established from the reviewed documents ↩

A targeted re-search of OZK's own General Conditions for 'Travel Assistance' (hosted at bfm.bg) found no section dedicated to civil/personal liability toward third parties. The product's coverage sections cover only Medical expenses with assistance, the optional Accident add-on, and Legal aid during travel (attorney fees up to 1,400 USD/EUR if the insured is prosecuted abroad); no 'Civil liability to third parties' benefit or limit is listed anywhere in the document.

[245] Emergency dental: €150 ↩

Emergency dental treatment for acute pain relief following an accident injury or acute oral inflammation is covered up to 150 USD/EUR per event under the Basic programme.

Спешното стоматологично лечение на Застрахования по програмите по Основното покритие се заплаща до 150 USD/EUR за всяко едно събитие.

[246] Search & rescue: Optional ↩

An extended 'Search and Rescue Costs' cover is available in addition to the SUPER and SUPER+ programmes, when an extra premium for risk sport class A, B or C is paid; it covers search/rescue costs and transport to a medical facility after rescue, up to the limit stated in the policy.

включва ангажимент на Застрахователя, чрез Глобал Сървисиз, да заплати разноските за издирване и спасяване на Застрахования, както и разходи за транспортиране на Застрахования до здравно заведение след спасяването, до лимитите за това покритие, посочени в полицата.

[247] Legal assistance: €1,400 ↩

Under the SUPER and SUPER+ programmes, the insurer pays lawyer fees up to 1,400 USD/EUR if the insured faces legal prosecution under local law in the country of travel; this excludes liability arising from use, ownership or maintenance of a vehicle or from professional liability.

Застрахователят чрез Глобал Сървисиз заплаща адвокатски хонорари до 1 400 USD/EUR, само в случай, че Застрахованият е подложен на съдебно преследване съгласно местното законодателство в страната, в която той пътува/пребивава.

[248] Emergency medical treatment: €2,000 – €30,000 ↩

The Basic programme includes doctor consultations, outpatient medical fees, tests and prescribed medicines in case of accident or acute illness, within the selected aggregate medical expense limit.

Застрахователната сума / Лимитите за медицинските разходи се избират от Вас и може да бъдат 2 000, 4 000, 5 000, 10 000, 15 000, 25 000 или 30 000 евро/щ.д. според избрани от Вас застрахователни програми:

[249] Hospitalization: €2,000 – €30,000 ↩

The insurer selects a suitable hospital, transports the insured to it and pays for hospitalization, within the aggregate medical expense limit.

Застрахователната сума / Лимитите за медицинските разходи се избират от Вас и може да бъдат 2 000, 4 000, 5 000, 10 000, 15 000, 25 000 или 30 000 евро/щ.д. според избрани от Вас застрахователни програми:

[250] Outpatient treatment: €2,000 – €30,000 ↩

Ambulatory treatment costs (doctor fees, tests, prescribed medicines) are covered within the overall selected medical expense limit; no separate sub-limit is stated.

Заплаща медицински разходи, свързани с амбулаторно лечение на Застрахования, които включват: хонорари на лекар, разходи за медицински изследвания /анализи, ренгенови снимки и др./.

[251] Medical evacuation: €2,000 – €30,000 ↩

In case of repatriation due to accident or acute illness, the insurer organizes and pays for the insured's return from abroad to their home or a medical facility in Bulgaria, as decided by Global Services' medical specialists, within the aggregate limit.

Организира и заплаща връщането на Застрахования от мястото, където се намира, до дома му в Република България или до медицинско заведение в Република България, посочено от медицинските специалисти, определени от Глобал Сървисиз.

[252] Repatriation of remains: €2,000 – €30,000 ↩

The insurer organizes and pays all costs related to repatriating the insured's remains from the place of death to the place of burial in Bulgaria determined by heirs/relatives, within the aggregate limit; funeral ritual and inventory costs are excluded.

Организира и заплаща всички разноски свързани с репатрирането на тленните останки на Застрахования от мястото на настъпване на смъртта до населеното място за погребение в Република България, определено от неговите наследници или близки;

[253] Pre existing conditions: See details ↩

The insurer does not cover chronic diseases, conditions pre-existing before departure, mental illness or depression, nor any illness that manifested but was not treated before departure.

В резултат на заболяване: хронично или предшестващо заминаването, психични заболявания или депресии.

[254] Winter sports cover: Optional ↩

Amateur winter sports are excluded by default, but amateur skiing can be bought back under risk sport Class A if agreed in the policy and an additional premium is paid.

Клас А – любителско каране на ски; професионално упражняване /състезания, представяния и тренировки/ на атлетика, крикет, голф, гимнастика, плуване, скуош, тенис, стрелба.

[255] Adventure sports cover: See details ↩

Treatment and accidents from amateur practice of motor sports, air sports, alpinism, martial arts, speleology, underwater sports, rafting, jet-ski and parasailing are excluded; only professional practice of such sports can be bought back under risk sport Class C with an additional premium.

За лечение или медицински грижи и злополуки, в резултат на любителско упражняване на следните видове спорт: моторни спортове (автомобилизъм, мотоциклетизъм или други МПС), въздушни спортове, алпинизъм, бойни изкуства, спелеология, подводни спортове, рафтинг, каране на джет, парасейлинг, зимни спортове.

[256] Pregnancy complications: See details ↩

Events resulting from pregnancy and all pregnancy-related complications, particularly termination of pregnancy, childbirth or miscarriage, are excluded.

В резултат на бременност и всички усложнения свързани с бременността, особено прекъсване на бременност, раждане или спонтанен аборт.

[257] Medical expenses: Covered ↩

Covers urgent medical expenses due to acute illness or accident while travelling abroad, included in both the Standard and Comfort packages. The sum insured/limit of liability is chosen by the policyholder at purchase and stated in EUR; no fixed sum is printed in the 2020 General Terms and Conditions.

Застрахователната сума/лимитът на отговорност се определя по избор на Застрахования/Застраховащия и се посочва в евро.

[258] Medical transport: Covered ↩

Covers transportation of the insured or their remains from the country of the accident/acute illness (or the treating healthcare institution) to the country of permanent residence, up to the overall sum insured.

Медицинско транспортиране и репатриране е превозването на Застрахования или тленните му останки до държавата на постоянното му местоживеене.

[259] COVID-19 treatment: See details ↩

The 2020 T&C affirmatively excludes any expenses, including urgent ones, for examination, diagnosis, medical transportation/repatriation, treatment, and medicaments for diseases declared a pandemic by the WHO (including COVID-19), as well as prophylactic testing for such diseases.

Всякакви разходи, включително и неотложни ... за лечение на заболявания, обявени като пандемия от Световната здравна организация.

[260] Personal liability: Optional ↩

Optional additional cover purchasable for an extra premium. Covers the insured's liability for unintentional property damage and bodily injuries to third parties, up to the limit agreed in the individual policy. Excludes liability from motor vehicles, vessels, aircraft, weapons, real estate, contractual obligations, or professional liability. UNIQA's current product page lists a similarly-named 'Обща гражданска отговорност към трети лица' as a selectable add-on.

Гражданска отговорност към трети лица – отговорността на Застрахования за причинени материални вреди и/или телесни увреждания на трети лица.

[261] Emergency dental: €300 ↩

Covers emergency dental treatment for acute sudden pain resulting from a covered accident, pulpitis, abscess, or tooth extraction. Ceiling: up to 300 EUR per insured person.

Лимитът на отговорност за спешна стоматологична помощ е до 300 (триста) евро за всяко застраховано лице.

[262] Search & rescue: Optional ↩

Optional additional cover purchasable for an extra premium. Covers costs incurred by search and rescue organisations for searching, rescuing, first medical aid, and transport to a healthcare institution, up to the limit agreed in the individual policy. No fixed EUR figure is stated in the general T&C.

Спасителни разноски са разходите, направени за издирване, спасяване, оказване на първична медицинска помощ и транспорт до здравно заведение.

[263] Legal assistance: Optional ↩

Covers lawyer fees and legal expenses (excluding judicial guarantees) if a lawsuit is brought against the insured for unintentional damage to third parties or non-compliance with local administrative regulations, up to the limit agreed in the individual policy. Per the 2020 T&C this is an optional add-on for extra premium; UNIQA's current product page lists 'Правна помощ' as included by default in the Comfort package.

Правна помощ е осигуряване на адвокат и покриване на разходи, свързани с правна защита.

[264] Emergency medical treatment: Covered ↩

Covers necessary costs for emergency medical examinations, treatment, surgical intervention, medical devices, and evacuation to the nearest or another hospital, due to acute illness or accident.

Неотложни медицински разходи вследствие на акутно заболяване или злополука са: необходими разходи за медицински прегледи, лечение или хирургическа интервенция.

[265] Hospitalization: Covered ↩

Inpatient hospitalization costs are covered under urgent medical expenses within the overall sum insured. Costs for personal comfort during hospitalization are explicitly excluded.

Разходи за личен комфорт при хоспитализация;

[266] Outpatient treatment: Covered ↩

Outpatient consultations for acute illness or accident are covered under urgent medical expenses. Subsequent non-emergency treatment following stabilisation is excluded.

Застраховката не покрива разходи за последващо лечение след овладяване на акутното състояние при заболяване или злополука.

[267] Medical evacuation: Covered ↩

Evacuation transport costs to the nearest or another hospital for emergency care are included within urgent medical expenses, up to the overall sum insured.

Разходи за евакуация – транспортни разходи за превозване на Застрахования до най-близката или друга болница с цел оказване на спешна медицинска помощ.

[268] Repatriation of remains: Covered ↩

The insurer pays the actually incurred costs for transporting the insured's mortal remains from the country in which death occurred to the country of permanent residence, up to the agreed policy limit.

Застрахователят изплаща действително извършените разходи ... и/или разходите за транспортиране на Застрахования или тленните му останки до страната на постоянното му местоживеене.

[269] Pre existing conditions: Conditional ↩

Treatment of chronic or recurrent diseases pre-existing before policy inception is excluded. In case of a suddenly occurring life-threatening crisis from a pre-existing condition, emergency stabilisation, medical transportation and/or repatriation of mortal remains are covered.

Лечение на хронични или рецидивни заболявания или състояния възникнали преди началото на застраховката.

[270] Winter sports cover: Optional ↩

Winter sports off marked ski slopes and in freeride zones are excluded unless the risk is explicitly written into the policy against an additional premium. No fixed EUR sub-limit for ski-related items is stated in the general T&C.

зимни спортове извън регламентираните писти и в зони за фрийрайд ... освен в случаите, когато рискът изрично е вписан в застрахователната полица и е платена допълнителна премия.

[271] Adventure sports cover: Conditional ↩

Accidents from ordinary leisure activities are covered as part of the main cover. Professional and extreme sports (parachuting, bungee jumping, alpinism, rock-climbing, mountain biking, diving, rafting, hunting, ATV/off-road driving, paintball, competitions, etc.) are excluded unless explicitly written into the policy with additional premium paid.

Практикуване на професионални и екстремни любителски спортове от всякакъв вид ... освен в случаите, когато рискът изрично е вписан в застрахователната полица и е платена допълнителна премия.

[272] Pregnancy complications: Conditional ↩

Pregnancy, childbirth, and abortion are excluded, except in cases of a life-threatening condition. Sterility, gender change, and sexually-transmitted diseases are also excluded.

Бременност, раждане, аборт, освен в случаите на животозастрашаващо състояние, стерилитет, промяна на пола, болести предавани по полов път.

[273] Death accident: €1,000 ↩

Part of the main coverage; the agreed sum insured (ceiling of 1,000 EUR per insured person) is paid to the legal heirs in the event of death caused by an accident. This risk is not covered for persons under 14, over 65, incapacitated persons, or persons with more than 50% loss of working ability.

Лимитът на отговорност за смърт от злополука е до 1 000 (хиляда) евро за всяко застраховано лице.

[274] Permanent disability: Covered ↩

Listed as part of the core cover of both the Standard and Comfort packages on UNIQA's current product page. This cover is not present in the 2020 General Terms and Conditions document (which lists only medical expenses, transport/repatriation, accidental death, and dental as main cover), so no limit or precise wording can currently be confirmed from a terms document.

Пакет Стандарт: ... Трайна нетрудоспособност поради злополука ... Пакет Комфорт: ... Трайна нетрудоспособност поради злополука.

[275] Baggage: €400 ↩

Covers burglary, loss, or delay of registered personal baggage, with a ceiling of 400 EUR per insured person (100 EUR sub-limit for baggage delay). Per the 2020 T&C this is an optional add-on available against additional premium; UNIQA's current product page lists 'Загуба/кражба/повреда на багаж' as included by default in the Comfort package.

Лимитът на отговорност за кражба чрез взлом, загуба или забавяне на личен багаж е до 400 (четиристотин) евро за всяко застраховано лице.

[276] Trip cancellation: Optional ↩

Optional additional cover reimbursing documented, prepaid travel and accommodation costs if the trip is cancelled or prematurely interrupted for qualifying reasons independent of the insured's will. Valid only if the policy is concluded and premium paid at the latest 21 days before the trip start date. The 2020 T&C states this add-on's limit in BGN; following Bulgaria's euro changeover (1 January 2026), all non-cash policy amounts are now expressed and paid in EUR.

От 01.01.2026 г. плащанията/вноските по полиците, които до 31 декември 2025 г. са се извършвали в лева, ще се извършват само в евро.