Armeec

Medical expenses and repatriation due to accident or acute illness

Covered

Covers necessary and reasonable medical expenses for examination, treatment, surgical intervention, therapeutic and medical supplies, use of medical devices, X-ray and laboratory tests, hospitalization (up to 15 days per event, up to 60 days aggregate per policy period), and evacuation. The insured sum is agreed between insurer and policyholder and stated in the policy. For persons aged 65 or over, the maximum limit for acute illness is EUR/USD 5,000. Hospitalization started during the coverage period may be covered up to 15 days after expiry of coverage if treatment continues without interruption.

Emergency medical treatment

Covered

The insurer, through the assistance company, arranges and pays for emergency medical treatment including medical examinations, prescribed medications, and necessary interventions at the nearest appropriate medical facility. The assistance company selects and directs the insured to the appropriate doctor or facility. Coverage applies for acute illnesses and accidents occurring during the travel period.

Hospitalization

Covered

Covers costs of hospitalization (minimum 24-hour stay in a medical facility based on medical prescription for urgent examination, consultation, diagnosis, or treatment). Covered up to 15 days per insurance event and up to 60 days aggregate per insurance period, within the agreed policy limit. For persons aged 65+, maximum limit is EUR/USD 5,000 for acute illness. Additionally, a daily hospital benefit of EUR/USD 20 per 24 hours (up to 15 days) is available as an optional add-on.

Outpatient treatment

Covered

Covered as part of the medical expenses benefit for necessary and reasonable outpatient medical examinations, consultations, diagnostics, prescribed medications, and related costs arising from a covered accident or acute illness during travel. Included within the overall agreed medical expenses limit stated in the policy.

Medical transport (evacuation)

Covered

Covers initial medical transport from the site of the insured event to the nearest medical facility for emergency medical care, and subsequent transport from the first-aid provider to the nearest specialized facility if required. The assistance company organizes and pays for medical transport within the agreed policy limit. Repatriation expenses are covered if incurred within 25 days from the date of the insured event.

Medical evacuation

Covered

Covers the costs of medical evacuation, including transport from the place of the event to the nearest medical facility, and if necessary, subsequent transfer to the nearest specialized facility. Organized by the assistance company. Included within the overall agreed medical expenses and repatriation limit. Medical repatriation is performed only if the insured's health condition allows; the decision is made solely by the medical specialists designated by the assistance company.

Repatriation of remains

Covered

In case of death of the insured, the insurer through the assistance company organizes repatriation of the remains and pays for: the coffin for international transport of remains or cremation costs, and transport of the body or cremated remains from the place of death to the place of burial in Bulgaria or country of habitual residence. Funeral ceremony and related inventory costs are not included.

Medical expenses due to COVID-19

Covered

Medical expenses and/or repatriation resulting from COVID-19 illness are covered up to EUR/USD 5,000. This is a mandatory core coverage included in the base policy. However, if at the start date of travel there is an officially declared epidemic or pandemic related to COVID-19, or official warnings/recommendations against travel have been issued, costs are excluded.

24/7 assistance service

Covered

24-hour emergency assistance is provided through the designated assistance company CORIS Bulgaria (representative of Coris International, part of the APRIL Group). The insured must contact the assistance company immediately upon occurrence of an insured event (no later than 3 working days). The assistance company selects and directs the insured to an appropriate medical facility, arranges medical transport, and pays covered costs directly. For events in Turkey, USA and/or Canada, immediate contact with the assistance company is mandatory.