Asset Insurance Travel insurance (Pomosht Pri Patuvane V Chuzbina)

Covers necessary expenses for medical examinations, treatment or surgery, therapeutic and medical means, X-ray and laboratory tests, hospital stay, evacuation transport costs, emergency dental treatment, and other costs related to treatment or diagnosis. The insured sum/liability limit is chosen freely by the policyholder (clause 13). For persons over 70, medical expenses due to acute illness are capped at EUR/USD 1,000 regardless of the chosen insured sum (clause 14.1).

Covers emergency medical treatment resulting from an accident or an acute illness with sudden onset and progressive course that began during the insurance period and requires urgent examination and treatment due to its painful character and/or direct danger to life. Only treatments that cannot be postponed until return to Bulgaria are covered (clause 12.32).

Medical expenses for hospital stays due to accident or acute illness are covered for up to 20 days per insured event and no more than 50 days in total for all events during the policy period. Hospitalization requires a minimum 24-hour stay prescribed by a doctor (clause 61.5).

Outpatient medical examinations, consultations, diagnostics and treatment costs for accidents or acute illnesses are covered under the general medical expenses definition (clause 58) within the agreed policy limit. No separate sub-limit is specified for outpatient versus inpatient treatment.

Emergency dental treatment is covered only when necessitated by an accident covered under the policy, or in the event of an abscess, pulpitis or extraction of a suddenly broken or deeply damaged tooth, including the costs of prescribed medications. The liability limit for emergency dental treatment is EUR/USD 350 in total for all events during the policy term. Persons over 70 are excluded from dental coverage (clause 12.15.1).

Covers the actual costs of transporting the insured from the location of the event to the nearest hospital for emergency medical aid and onward transport to his place of residence, within the agreed policy limit.

Initial medical transport from the location of the insured event to the nearest hospital, and subsequent transport to the nearest specialised hospital if the insured's condition requires continued treatment in a specialised facility, within the agreed limit.

Covers the transport of the insured's mortal (including cremated) remains from the country/place of the accident or acute illness or from the treating hospital to the country of the insured's permanent residence. The need for repatriation is determined by the treating medical institution or the attending physician. The insurer also covers the costs of a medical team accompanying the insured during transport (clause 60.1).

Optional add-on under the 'Extra/Sport' package. Covers costs for search and rescue in mountain terrain by local rescue services during winter sports or mountain hiking, and emergency transport to the nearest medical facility, up to the agreed limit.

The General Terms and Conditions (adopted 2013, amended 2016) list the covered basic risks as medical expenses due to accident or acute illness, emergency dental care and repatriation (clause 10.1-10.2), and do not mention COVID-19 or epidemic/pandemic illness specifically. The documents are silent on this point, so coverage status cannot be confirmed either way.

Pre-existing conditions (diseases diagnosed before the start of the insurance) are explicitly excluded (clause 12.10). Chronic diseases are also excluded except in the event of an unforeseen exacerbation so serious as to require emergency medical care to save the insured's life — in which case only the costs of stabilising the critical condition are covered (clause 12.11).

Optional add-on under the 'Extra/Sport' package. Covers loss of winter sports or golf equipment due to burglary or destruction, including a replacement rental, and losses from prepaid unused ski/golf packages due to accident or acute illness. Amateur skiing and snowboarding are excluded from the base policy unless otherwise agreed (clause 12.30).

Mountain hiking and search/rescue during mountain hiking are covered under the optional 'Extra/Sport' package (clause 11.4.1, 39.1). The base policy excludes participation in hunting trips, organised sporting competitions and training sessions, including amateur skiing and snowboarding, unless otherwise agreed (clause 12.30).

Pregnancy, childbirth, abortion and pregnancy-related complications are generally excluded (clause 12.14). However, medical expenses for saving the life of the pregnant woman and/or child are covered, provided that at the date of departure at least two months remain until the medically determined due date (clause 12.14.1). Medical costs for premature delivery or abortion caused by a covered accident are also reimbursed (clause 12.14.2).

Optional add-on under the 'Unforeseen Expenses' package (clause 11.2.5). Covers property and non-property damages caused unintentionally by the insured to third parties abroad, up to the agreed liability limit. Excludes liability arising from ownership or operation of motor vehicles, vessels, aircraft, weapons or real estate, contractual obligations, and professional liability (clause 65.2).

Optional add-on under the 'Unforeseen Expenses' package (clause 11.2.6). Covers actual legal defence costs abroad (attorney fees and court costs, excluding court security guarantees) if the insured faces legal action for unintentional damages caused to third parties while travelling as a private individual, up to the agreed limit. Professional liability and vehicle/vessel/aircraft ownership liability are excluded (clause 62.2).