Armeec Insurance Joint Stock Company AD

Assistance call deadline

The insured must contact the assistance company or insurer immediately upon a covered event (risks 12.1 and 13.1), but no later than 3 working days after the event. If hospitalised in a condition making contact practically impossible, the insured must call as soon as their condition permits, but no later than 3 working days from that point.

Section: IX. ПРАВА И ЗАДЪЛЖЕНИЯ НА СТРАНИТЕ

Застрахованият, лично или чрез свой представител, е длъжен незабавно, но не повече от 3 /три/ работни дни след настъпване на застрахователното събитие да се свърже с Асистанс компанията или Застрахователя на посочените в застрахователната полица телефони.

Unauthorized treatment

In Turkey, the USA, and Canada, if the insured fails to contact the assistance company and independently selects a medical facility or doctor, the insurer's liability is capped at 50 EUR/USD for medical expenses.

Section: IX. ПРАВА И ЗАДЪЛЖЕНИЯ НА СТРАНИТЕ

При настъпило застрахователно събитие в Турция, САЩ и/ или Канада, Застрахованият е длъжен незабавно да се свърже с Асистанс компанията... В случай, че Застрахованият не изпълни това си задължение и сам избере лечебно заведение или лекар, Застрахователят покрива медицински разноски за лечение с лимит до 50 (петдесет) евро/долари.

Purchase while abroad

The insurance contract must be concluded before the trip starts while the insured is in Bulgaria or their country of habitual residence. Conclusion while abroad is permitted only if the insured has an active Armeec policy, the new policy is concluded before the existing one expires, there is no gap in coverage, and no insured event has occurred. Contracts concluded in breach of these conditions are void.

Section: V. СКЛЮЧВАНЕ НА ЗАСТРАХОВАТЕЛНИЯ ДОГОВОР

Сключване на застрахователен договор след началото на пътуването, когато Застрахованият вече е в чужбина, е допустимо при условие, че са изпълнени едновременно следните условия... Застрахователен договор, сключен при неспазване на тези условия е недействителен.

Chronic conditions

Chronic diseases are excluded. Exception: an unforeseen acute exacerbation so serious as to require emergency life-saving medical care is covered, but only for the costs of bringing the insured out of critical condition.

Section: IV. ИЗКЛЮЧЕНИ РИСКОВЕ

Хронични заболявания, освен в случай на непредвидено обостряне, дотолкова сериозно, че да налага спешна медицинска помощ за спасяване живота на Застрахования. В този случай Застрахователят заплаща разходите само в частта за извеждане от критично състояние;

Pregnancy

Pregnancy including pathological pregnancy, childbirth, abortion, and pregnancy-related complications are excluded. Exceptions: costs for saving the life of the pregnant insured and the child are covered if at least two months remain until the due date at departure; costs of premature birth or abortion caused by a covered accident are reimbursed.

Section: IV. ИЗКЛЮЧЕНИ РИСКОВЕ

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

Pre-existing condition exclusions

Pre-existing accidents and pre-existing diseases diagnosed before the start of the insurance coverage period are explicitly excluded from coverage.

Section: IV. ИЗКЛЮЧЕНИ РИСКОВЕ

Предшестващи злополуки и/или предшестващи заболявания;

Coverage duration limit

Single-trip policies: 1 day to 1 year depending on trip duration. Multitrip policies (ages 18 to 64 only): 6-month or 1-year policy term; per-trip coverage up to 30, 60, or 90 days. Persons under 18 or over 64 are not eligible for Multitrip. Persons over 84 are not insurable except by individual risk assessment. Repatriation costs are covered only if incurred within 25 days of the event.

Section: VI. СРОК НА ЗАСТРАХОВАТЕЛНИЯ ДОГОВОР. ЗАСТРАХОВАТЕЛЕН ПЕРИОД. ПЕРИОД НА ЗАСТРАХОВАТЕЛНО ПОКРИТИЕ.

За еднократни пътувания застрахователният договор може да бъде сключен за срок от един ден до една година. За лица на възраст от 18 до 64 г. може да бъде сключен застрахователен договор „Мултитрип“ със срок шест месеца или една година.

COVID-19 medical expenses and repatriation

Mandatory core coverage for COVID-19 illness with a maximum limit of 5,000 EUR or USD per insured person

Emergency dental care age limitation

Emergency dental treatment covered only for insured persons under age 65; completely excluded for persons aged 65 and over

Age-based acute illness coverage limit

For insured persons aged 65 and over, maximum liability for acute illness is capped at 5,000 EUR or USD

Penalty for non-authorized medical provider selection

In Turkey, USA, and Canada: if insured does not contact assistance company first and independently chooses provider, coverage capped at 50 EUR or USD

Emergency medical expenses

Core mandatory risk covering medical, surgical and hospitalisation expenses related to accidents and acute illnesses during travel abroad.

Emergency dental care

Core mandatory risk covering emergency dental treatment for persons up to age 65 during travel abroad.

Repatriation

Transport of the insured, or of the body/cremated remains in case of death, from the place of the accident/illness abroad to Bulgaria or the country of habitual residence.

Mandatory contact with assistance company

Insured must contact assistance company or insurer immediately upon covered event, but no later than 3 working days after the event

Hospitalization duration limits

Hospitalization covered up to 15 days per single insured event and up to 60 days in aggregate per insurance period; continued hospitalization after coverage expiry covered for up to 15 additional days

High-risk activities excluded by default

Winter sports, mountaineering, diving, extreme sports excluded by default; available as optional add-on for single-trip policies only; permanently excluded for multitrip policies

Multitrip policy age restriction

Multitrip policies available only for insured persons aged 18 to 64 years; persons under 18 or over 64 not eligible for multitrip coverage

Repatriation time limit

Repatriation costs covered only if incurred within 25 days of the insured event

Pregnancy exclusion with limited exceptions

Pregnancy, pathological pregnancy, childbirth, abortion excluded; exceptions: life-saving costs if 2+ months remain to due date; costs of premature birth/abortion from covered accident reimbursed

Chronic disease exclusion

Chronic diseases excluded; exception: unforeseen acute exacerbation requiring emergency life-saving care covered only for costs of critical condition relief

Residency requirement

Insureds must be Bulgarian citizens or foreign citizens with permission for continuous, long-term, or permanent residence in Bulgaria.

Coverage period options

Coverage can be arranged for single trips or multiple trips within 1 year or 6 months (Multitrip policies); maximum coverage per trip up to 30, 60, or 90 days.

Territorial coverage

Coverage is valid for all countries worldwide except Bulgaria, the insured's country of habitual residence, and any country for which the insured has valid health insurance/coverage.

Assistance provider

Medical emergency assistance for insureds travelling abroad is provided through CORIS Bulgaria; insureds are instructed to call CORIS Bulgaria immediately in the event of a medical emergency.