ZAD Allianz Bulgaria AD (Joint Stock Insurance Company Allianz Bulgaria)

purchase_and_coverage_period

The insurance period starts at 00:00 on the departure date and ends at 24:00 on the return date stated in the policy. If the policy issue date coincides with the departure date, coverage starts at 00:00 the following day. The policy must be concluded before departure from Bulgaria; no coverage is provided for policies concluded after the trip has started.

Section: Кога започва и кога приключва покритието?

Застрахователният период започва от 00:00 часа на датата на отпътуване и приключва в 24:00 часа на датата на връщане

maximum_trip_duration_by_tier

Maximum single-trip duration varies by tier: Balance 15 consecutive days; Classic 93 consecutive days (per UniCredit Bulbank product page); Premium 184 consecutive days. Consecutive policies for the same person cannot be used to extend the covered period beyond these limits.

Section: Кога започва и кога приключва покритието?

Застраховката не покрива пътувания, надвишаващи 15 последователни дни.

Pre-existing condition exclusions

Health events that occurred, or that are expected to occur, at the time the policy is concluded or the trip begins are excluded from cover. This same clause is used to exclude ongoing/chronic health conditions present at binding, though the IPID text does not use the word "chronic" specifically.

Section: Какво не покрива застраховката?

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

policyholder_duties

To avoid cancellation of the policy or a reduced payout, the insured must: provide accurate and complete information when taking out the policy and pay the premium; notify the insurer as soon as possible of changes or events affecting cover once the policy is in force; and, in the event of a claim, contact the insurer to file it per the general terms, providing supporting documents and disclosing any double insurance or payments already received from another insurer.

Section: Какви са задълженията ми?

да се свърже със застрахователя след възникване на застрахователно събитие, за да се заведе застрахователна щета

cancellation_procedure

The insured may cancel the fixed-term policy by written notice at any time before the coverage period starts, with a full premium refund. If cancellation is requested after coverage has started, only the premium corresponding to the unexpired period is refunded, and only if no insurance event has occurred and no claim is expected.

Section: Cancellation of fixed-term insurance contracts

we will refund only that part of the insurance premium corresponding to the unexpired period of your coverage

Pandemic/Epidemic Disease Medical Sublimit

Medical treatment for pandemic or epidemic diseases including COVID-19 is covered under emergency medical coverage but subject to sublimits that vary by tier: Balance 5,000 EUR, Classic 15,000 EUR, Premium 30,000 EUR

Emergency Dental Treatment Sublimit

Emergency dental treatment is covered within overall medical limit subject to a sublimit: Classic and Premium tiers have 500 EUR sublimit

Repatriation of Remains - Tier-Specific Sublimits

Repatriation of remains sublimit varies significantly by tier: Balance 2,500 EUR, Classic 50,000 EUR, Premium 10,000 EUR within overall 50,000 EUR transport limit

Section: Има ли ограничение на покритието?

Репатриране на тленни останки или погребение при смърт на застрахования в чужбина - до 2 500 EUR;

Bulgaria Territory and Country of Origin Exclusion

Coverage does not apply for travel within Bulgaria or for foreigners traveling in their country of origin. Also excludes countries with active military hostilities and sanctioned countries

Secondary Medical/Dental Coverage

Emergency Medical/Dental Coverage is secondary to any other health insurance. Insured must claim from primary health insurance first. If no other health insurance or it does not cover the geography, claim directly with Allianz

Baggage Coverage – Sublimit Varies by Tier

Coverage for lost, damaged, or stolen baggage abroad: Balance up to 250 EUR (IPID confirmed); Classic up to 500 EUR with a 250 EUR sublimit for high-value items (per Coverage Summary); Premium up to 1,000 EUR (IPID confirmed).

Section: Има ли ограничение на покритието?

Повреда/загуба на багаж от превозвача, кражба на багаж - до 1 000 EUR;

Personal Liability – Sublimit Varies by Tier

Personal liability sublimit: Balance 5,000 EUR; Premium 10,000 EUR (both IPID-confirmed); Classic 7,500 EUR per a prior review, not re-confirmed this pass.

Section: Има ли ограничение на покритието?

Лична гражданска отговорност при нанасяне на имуществени и телесни вреди на трети лица в чужбина - до 5 000 EUR;

Trip Interruption Benefits – Vary by Tier

Trip interruption sub-benefits vary materially by tier. Balance: prepaid unused services 50 EUR; early-return transport 50 EUR; onward journey 50 EUR; prolongation max 50 EUR/day up to 5 days. Classic: prepaid unused services 100 EUR; early-return transport 100 EUR; onward journey 100 EUR; prolongation capped at 100 EUR overall. Premium: prepaid unused services 1,250 EUR; early-return transport 500 EUR; onward journey 250 EUR; prolongation max 50 EUR/day up to 5 days.

Section: Има ли ограничение на покритието?

Разходи за предплатени, но неизползвани услуги, поради наложително прекъсване на пътуването - до 1 250 EUR;

Travel Accident Coverage (Death and Disability) – Not Listed for Balance

The Premium IPID lists death benefit 5,000 EUR and permanent disability benefit up to 10,000 EUR due to accident abroad as covered benefits. The Balance IPID's list of covered benefits does not include any accident death or disability line item. Classic is reported at death 2,500 EUR / disability 5,000 EUR per a prior review, not re-confirmed this pass.

Section: Има ли ограничение на покритието?

Обезщетение при установена трайна инвалидизация поради злополука в чужбина - 10 000 EUR; Обезщетение при смърт поради злополука в чужбина - 5 000 EUR

Fourth Tier "Platinum" Now Offered Alongside Balance/Classic/Premium

Current Allianz Assistance Bulgaria marketing and distribution pages list a fourth tier, "Platinum", alongside Balance, Classic and Premium. No IPID or Coverage Summary for the Platinum tier was located in this review, so its specific coverage limits remain unconfirmed and are not included in this record's tier ranges.

Mandatory Authorization Requirement for Medical Transport

All emergency medical transport, evacuation, and repatriation must be authorized and arranged by Allianz. Insured or representative MUST contact Allianz before arrangements are made. If transport arranged without authorization, only reimbursed what Allianz would have paid

Policy Must Be Purchased Before Departure

Policy must be purchased on or before the known departure date. Coverage does not apply if policy concluded after trip start. If purchased same day as departure, coverage begins 00:00 next day

Pre-existing Medical Conditions Exclusion

Pre-existing and known medical conditions are explicitly excluded. Pre-existing is any injury, illness or condition occurring before or on policy purchase date that caused need for medical examination, diagnosis, treatment, produced symptoms, or required prescription medication

Trip Interruption - 24-Hour Notification Requirement

For trip interruption claims, all travel service providers must be notified within 24 hours of becoming aware of need to interrupt. If serious illness prevents timely notification, notify as soon as possible

High-Risk Sports and Activities Exclusion

High-risk sports explicitly excluded: skydiving, base jumping, paragliding, bungee jumping, caving, off-piste skiing/snowboarding, free climbing, altitude above 4,500 m, personal fights/combat sports, racing with motorized vehicles, free diving, diving below 20 m without certified instructor

Maximum Trip Duration Differs Sharply by Tier (15 / 93 / 184 days)

Balance covers single trips up to 15 consecutive days only; Classic up to 93 days; Premium up to 184 days. This is a materially larger spread than previously recorded (Balance was earlier assumed at 93 days, which the Balance IPID contradicts).

Section: Кога започва и кога приключва покритието?

Застраховката не покрива пътувания, надвишаващи 15 последователни дни.

Cancellation Rights Before and After Coverage Start

The insured can cancel by written notice any time before coverage starts for a full premium refund. After coverage has started, cancellation is possible but only the unexpired-period premium is refunded, and only if no insurance event has occurred and no claim is expected.

Section: Withdrawal or cancellation of an insurance contracts, including insurance contracts concluded from distance > Cancellation of fixed-term insurance contracts (e.g. "MyTravel CLASSIC")

You may cancel your insurance contract by sending us a notice in written at any time before the start of the period of your coverage as described in the insurance policy. In this case, we will refund the full amount of the insurance premium paid by you.

Generic Exclusions (Intent, Suicide, Substance Use, War/Terror, Government Restrictions)

Both the Balance and Premium IPIDs list identical generic exclusions: events caused intentionally or by gross negligence of the insured; attempted suicide or suicide; pre-existing/expected health events at binding; events resulting from alcohol, drugs, medication misuse or delayed prescribed therapy; events connected with civil unrest, war, terrorism, natural disasters, environmental influences, earthquakes; and events caused by government-imposed restrictions.

Section: Какво не покрива застраховката?

Събития, които са причинени предумишлено или поради груба небрежност на застрахования;