Armeec Insurance Joint Stock Company AD
Армеец
Армеец is a travel insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
The insurer, through its assistance company CORIS Bulgaria, arranges and pays directly for medical treatment, evacuation, and repatriation costs within the agreed limits. When prior contact with the assistance company was not possible, the insured may pay out-of-pocket and claim reimbursement upon return to Bulgaria by submitting original documents.
Geographic scope
Worldwide
Valid worldwide except the territory of Republic of Bulgaria, the country of habitual residence of the insured, and any country for which the insured holds valid health insurance or coverage.
Unique selling points
- Flexible product customisation: the insured can select which optional risks to include and set coverage limits according to their own needs and budget.
- Optional cover for work-related activities and sports including extreme and high-risk sports such as mountaineering, diving, and paragliding, available by additional agreement for single-trip policies.
- COVID-19 treatment and repatriation included as a core mandatory benefit up to 5,000 EUR or USD, not sold as an optional add-on.
- 24/7 emergency assistance provided by CORIS Bulgaria with Bulgarian-language support and direct payment to medical providers, eliminating the need for out-of-pocket advances in most cases.
- Preferential premium discounts for families, tourist trips up to 30 days, and students and pupils up to age 26.
Coverage limits
Medical expenses and repatriation following accident or acute illness
Covered
Covers medically necessary expenses for consultations, treatment, surgery, pharmaceuticals, laboratory tests, and hospitalisation following an accident or acute illness abroad. The insured sum is agreed per policy and stated in the policy document. For insured persons aged 65 and over, the maximum liability for acute illness is capped at 5,000 EUR or USD. Hospitalisation is covered up to 15 days per event and 60 days in aggregate per insurance period.
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. 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 or USD.
Hospitalisation
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. If treatment commenced abroad continues without interruption after coverage expiry, the insurer covers costs for up to 15 additional days after the end of the coverage period.
Outpatient treatment
Covered
Outpatient consultations, diagnostics, and treatment are covered within the contracted medical expenses limit as part of the core coverage. Non-urgent treatment that can be deferred until the insured returns to Bulgaria is explicitly excluded.
Emergency dental care
Conditional
Covers emergency dental treatment for relief of 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. Completely excluded for persons aged 65 and over. No assistance service is provided for this risk.
Medical transport
Covered
Covers initial medical transport from the site of the insured event to the nearest emergency medical facility, and subsequent transport to the nearest specialised facility if required by the insured's condition. Organised and paid by the insurer through the assistance company within the contracted limit. Ambulance costs are excluded from the personal expenses sub-limit but included within the medical expenses limit.
Medical evacuation
Covered
The insurer via the assistance company covers evacuation costs within the contracted medical expenses limit. Evacuation covers initial transport from the event site to the nearest emergency medical facility and, if required by the insured's condition, onward transport to the nearest specialised facility. The assistance company's designated medical specialists and the treating physician are solely authorised to decide on mode and timing of repatriation.
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.
Search and rescue expenses
Optional
Optional additional risk (clause 13.1). 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.
Medical expenses and repatriation due to COVID-19
€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 or USD per insured person.
Pre-existing conditions
Excluded
Pre-existing accidents and pre-existing diseases diagnosed before the start of the insurance coverage period are explicitly excluded. Chronic diseases are also excluded, except in the event of 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.
Winter sports cover
Optional
Winter sports such as skiing, snowboarding, and off-piste freeride are classified as high-risk activities and excluded by default. Coverage may be added by express additional agreement with payment of an additional premium for single-trip policies only. For Multitrip policies, high-risk activities including winter sports are excluded in all cases.
Adventure and extreme sports cover
Optional
All high-risk activities and sports listed in clause 4.48 are excluded by default, including motorised sports, aerial, underwater, climbing, speleology, bungee, parachuting, paragliding, base jumping, parkour, mountaineering up to 5,000 m, rafting, and diving up to 30 m. Coverage is available as an express optional add-on with additional premium for single-trip policies only. Excluded in all cases under Multitrip policies.
Pregnancy complications
Excluded
Pregnancy including pathological pregnancy, childbirth, abortion, and pregnancy-related complications are excluded. 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; and costs of premature birth or abortion caused by a covered accident are reimbursed.
Third-party civil 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.
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.
24/7 assistance service
unlimited
24-hour emergency medical assistance and support services provided through CORIS Bulgaria (part of Coris International / APRIL GROUP). The assistance company directs the insured to appropriate medical providers, arranges transport, and coordinates all covered services. The insured must contact the assistance company immediately upon a covered event and no later than 3 working days after the event. No assistance service is available for the emergency dental risk.
Key conditions
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.
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 or USD for medical expenses.
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.
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.
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.
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.
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.
Policy specifics
Emergency medical expenses
Coverage for medical and surgical expenses, pharmaceutical costs, and hospital expenses related to accidents and acute illnesses during travel abroad
SourceEmergency dental care
Coverage for emergency dental treatment for persons up to age 65 during travel abroad
SourceRepatriation
Coverage for return transportation of insured person to Bulgaria following accident or acute illness
SourceResidency requirement
Insureds must be Bulgarian or foreign citizens with permission for temporary, long-term, or permanent residence in Bulgaria
SourceCoverage period options
Coverage can be arranged for single trips or multiple trips within 1 year or 6 months (multi-trip policies); maximum coverage per trip up to 30, 60, or 90 days
SourceTerritorial coverage
Coverage is valid for all countries worldwide except Bulgaria; for foreign citizens, also excludes their home country
SourceAssistance provider
24-hour medical emergency assistance and support services provided through CORIS Bulgaria (part of Coris International / APRIL GROUP)
Source