Armeec
Армеец is a travel insurance for the BG market with online purchase and 24/7 assistance.
Direct payment
Medical expenses must be approved in advance by the Assistance company (Coris Bulgaria). The insurer, through the Assistance company, arranges and pays directly for medical treatment, evacuation, and repatriation up to the agreed limit. Expenses incurred without prior approval of the Assistance company or the insurer are not covered.
Geographic scope
worldwide
Валидна на територията на цял свят, с изключение на Република България, страната на обичайното местопребиваване и страната, за която застрахованият има валидна здравна осигуровка и/или застраховка.
Unique selling points
- COVID-19 medical expenses and repatriation are explicitly included in the mandatory core coverage up to 5,000 EUR/USD, providing certainty even when general epidemic exclusions apply.
- Multi-trip annual policy available for frequent travelers with individual trip coverage options of up to 30, 60, or 90 days per trip and a policy term of 6 months or 1 year.
- Assistance is provided through Coris Bulgaria (member of APRIL GROUP), a leading international assistance network ensuring 24/7 emergency coordination and direct payment to medical facilities worldwide.
- Online insurance purchase available instantly via app.armeec.bg for both single-trip and multi-trip policies.
- Wide range of optional additional coverages including civil liability, legal assistance, personal baggage loss or delay, hospitalization daily allowance, and personal accident benefits.
Coverage limits
Medical Expenses and Repatriation
Covered
Covers emergency medical expenses and repatriation following accident or acute illness. The insured sum is agreed per risk and stated in the policy. For persons aged 65 and over, medical expenses and/or repatriation due to acute illness are covered up to 5,000 EUR/USD. COVID-19 related medical expenses and/or repatriation are covered up to 5,000 EUR/USD. Excludes non-emergency treatment, transplants, prosthetics, implants, corrective or assistive devices, and pre-existing conditions.
Emergency Medical Treatment
Covered
Emergency medical treatment following accident or acute illness is part of the mandatory core coverage. The insurer, through the Assistance company, directs the insured to an appropriate medical facility and pays for medical examinations, treatment, and purchased medications within the agreed limit.
Hospitalization
Covered
Hospital stay costs are covered as part of medical expenses for accident or acute illness. Hospitalization costs ongoing after the coverage period ends are covered up to 15 days after the policy expiry if treatment began and continued without interruption abroad outside the usual place of residence.
Outpatient Treatment
Covered
Outpatient medical consultations, diagnostics, and treatment following accident or acute illness are covered as part of the medical expenses coverage under the mandatory core coverage.
Emergency Dental Care
Conditional
Emergency dental care is included in the mandatory core coverage for persons under 65 years of age. For persons aged 65 and over, this coverage is not provided.
Medical Transport
Covered
Medical transport from the scene of an insured event to the nearest appropriate medical facility, and subsequent transport to a specialized facility if required, is covered as part of mandatory medical expenses and repatriation coverage.
Medical Evacuation
Covered
Evacuation costs are covered under the mandatory medical expenses and repatriation risk. The insurer, through the Assistance company, arranges and pays for medical transport from the place of the insured event to the nearest medical facility and, if required, subsequent transport to the nearest specialized facility.
Repatriation of Mortal Remains
Covered
In the event of the insured's death, the insurer through the Assistance company organizes and pays for repatriation of mortal remains, including a coffin for transport or cremation costs, and transport of the body or cremated remains to the place of burial in Bulgaria. Funeral ceremony and related inventory costs are not included.
Search and Rescue Costs
Optional
Search and rescue costs following accident or acute illness are available as an optional additional coverage. Covers actual expenses for search, rescue, primary medical assistance, and transport incurred by organizations engaged in search and rescue such as the Red Cross, Civil Protection, and Fire Service.
COVID-19 Medical Expenses and Repatriation
Covered
Medical expenses and/or repatriation due to COVID-19 illness are covered up to 5,000 EUR/USD as part of the mandatory core coverage. Other epidemic and pandemic diseases remain excluded.
Pre-existing Conditions
Excluded
Pre-existing accidents and/or pre-existing diseases (conditions that occurred and/or were diagnosed before the start of the insurance coverage period) are explicitly excluded from coverage.
Winter Sports Coverage
Optional
Winter sports are classified as high-risk activities and are excluded from the standard product. Coverage for sports activities can be added as an optional additional coverage for an extra premium following explicit written agreement.
Adventure and High-Risk Sports Coverage
Optional
High-risk activities and sports including extreme sports such as alpinism, skydiving, bungee, base jumping, rafting, scuba diving, and paragliding are excluded from standard coverage. These can be added as an optional add-on with an additional premium via explicit written agreement.
Pregnancy Complications
Excluded
Expenses related to pregnancy, childbirth, abortion, or complications associated with pregnancy are explicitly excluded from coverage.
Personal Civil Liability to Third Parties
Optional
Civil liability to third parties is available as an optional additional coverage. Liability arising from use or ownership of motor vehicles, watercraft, aircraft, firearms, and professional liability are excluded.
24/7 Assistance
Covered
24/7 emergency assistance is provided through the Assistance company Coris Bulgaria. The insured must notify the Assistance company immediately upon any insured event and follow all instructions. The 24/7 emergency helpline is +359 700 1 3939.
Key conditions
Assistance call deadline
The insured must notify the Assistance company immediately upon any insured event (personally or through a third party) and follow all instructions. If it was practically impossible to contact the Assistance company or the insurer before receiving medical assistance, this must be done as soon as the insured's condition permits, but in all cases before leaving the medical facility.
Unauthorized treatment
Expenses incurred without prior approval of the Assistance company or the insurer are not covered. If the insured refuses repatriation when their condition permits it, the insurer is released from liability and subsequent medical and repatriation expenses are at the insured's own expense from the date of refusal.
Purchase while abroad
The insurance must be taken out before the start of the trip, while the insured is on the territory of Bulgaria, their country of permanent residence, or the country for which they have valid health insurance. Insurance cannot be purchased while already abroad.
Chronic conditions
Chronic diseases and their recurrences are explicitly excluded from coverage. Only acute illnesses that began within the policy period and require emergency examination and treatment are covered.
Pregnancy
Expenses related to pregnancy, childbirth, abortion, or complications associated with pregnancy are explicitly excluded from coverage.
pre_existing_conditions
Pre-existing accidents and/or diseases (conditions that occurred and/or were diagnosed before the start of the insurance coverage period) are explicitly excluded from coverage.
coverage_duration_limit
The insurance term is from 1 day to 1 year depending on the duration of the insured's travel or stay abroad as stated in the policy. For multi-trip insurance the coverage per individual trip is up to 30, 60, or 90 days. In case of ongoing hospitalization, costs incurred up to 15 days after the policy expiry are covered if treatment began and continued without interruption outside the usual place of residence.
Where to buy
Policy specifics
Emergency Medical Expenses
Coverage for emergency medical treatment, hospitalization, and related medical expenses while traveling abroad
Medical Repatriation
Coverage for transport of insured person to medical facility or repatriation to home country by specialized medical transport
Emergency Dental Care
Limited coverage for emergency dental treatment during travel
Pre-existing Conditions Exclusion
Conditions diagnosed or manifested before policy start date are excluded from coverage
Epidemic/Pandemic Exclusion
Exclusion for medical expenses related to diseases with officially declared epidemics or pandemics at time of travel
Geographical Coverage Restriction
Travel assistance abroad is valid worldwide except Bulgaria, country of residence, and countries with valid health insurance
Assistance Company Prior Approval Required
Medical expenses must be approved in advance by the assistance company (Coris Bulgaria) to be covered
Voluntary Travel Assistance vs Mandatory Medical Insurance for Foreigners
ARMEEC offers two distinct travel products: (1) Voluntary 'Travel Assistance Abroad' for travel outside Bulgaria; (2) Mandatory 'Medical Insurance for Foreigners in Bulgaria' for those entering/transiting Bulgaria
Assistance Network Authorization Requirement
All medical treatment must be coordinated through Coris Bulgaria assistance network; direct payment to medical facilities is made by assistance company, not by insured
Age Eligibility Limits
For Medical Insurance for Foreigners in Bulgaria: maximum age is unlimited as of 01.01.2022; no minimum age limit
Maximum Insurance Contract Duration
Maximum contract period is 1 year; travel can be as short as 1 day or up to 12 months
Sports Coverage - Optional Add-on
Coverage during work and/or sports activities can be included as optional coverage with additional premium
Pregnancy Coverage Limitation
Pregnancy-related coverage may be limited; only normal pregnancy complications covered if travel occurs with at least 2 months before estimated delivery date