Axiom Insurance Company AD

Assistance call deadline

The insured must immediately notify the insurer (personally or through a third party) upon the occurrence of an insured event and provide detailed information about the event and its circumstances.

Section: Какви са задълженията ми? > При настъпване на застрахователно събитие

Да уведомя незабавно (лично или чрез трето лице) Застрахователя и да предоставя подробна информация за събитието и обстоятелствата, свързани с него.

Unauthorized treatment

All expenses incurred without the approval of the Assistance company or the Insurer are excluded from coverage.

Section: Какво не покрива застраховката?

За всички разходи, направени без одобрението на Асистанс компанията или Застрахователя;

Purchase while abroad

The insurance contract enters into force from 00:00 on the start date stated in it, after the due premium has been paid and in accordance with the policy conditions. The IPID does not state whether the policy may be taken out while the insured is already abroad.

Section: Кога започва и кога свършва покритието?

Застрахователният договор влиза в сила от 00:00 часа на началната дата, посочена в него, след заплащане на дължимата застрахователна премия и съгласно условията по полицата.

Chronic conditions

Chronic diseases are explicitly excluded from coverage, as are AIDS/HIV and infertility treatments including in vitro fertilization.

Section: Какво не покрива застраховката?

Хронични заболявания, СПИН, Лечение на стерилитет, включително изкуствено оплождане;

Pregnancy

Pregnancy, childbirth, abortion, and all complications related to pregnancy are explicitly excluded from coverage.

Section: Какво не покрива застраховката?

Бременност, раждане, аборт или усложнения, свързани с бременост;

Pre-existing condition exclusions

Pre-existing conditions (conditions existing before the conclusion of the insurance contract) are explicitly excluded from coverage.

Section: Какво не покрива застраховката?

Предшестващи заболявания;

Coverage duration limit

Coverage is valid from 00:00 on the policy start date to 24:00 on the end date stated in the policy.

Section: Кога започва и кога свършва покритието?

Застрахователното покритие е валидно до 24:00 часа на деня, посочен в полицата.

Schengen Visa Coverage Requirement

Insurance is specifically designed for non-EU individuals applying for a Schengen visa for their entire stay in Europe, in accordance with Regulation (EC) No 810/2009 of the European Parliament. Minimum insured sum is EUR 30,000; extended coverage up to EUR 50,000 is available.

Trip Cancellation Coverage (Optional Add-on)

Optional add-on coverage that reimburses pre-paid, non-refundable travel expenses (airline tickets, hotels, other tourist services) if trip is cancelled before departure due to unforeseen covered medical or non-medical reasons beyond control of the insured.

Geographic Scope - Worldwide Excluding Country of Residence

Coverage is valid for worldwide travel except for Bulgaria and the country where the insured person has permanent residence, domicile, or citizenship.

Section: Къде съм покрит от застраховката?

Застраховката е валидна за територията на цял свят с изключение на територията на Република България и страната, в която Застрахования има постоянно местоживеене, седалище или гражданство.

Prior Approval Requirement for Medical Treatment

All medical expenses incurred without prior approval of the Assistance company or the Insurer are not covered. Exception: In case of hospitalization or urgent/emergency care outside working hours, prior confirmation from the insurer is not required; however, original medical and financial documents must be gathered for subsequent reimbursement.

Section: Какво не покрива застраховката?

За всички разходи, направени без одобрението на Асистанс компанията или Застрахователя;

Age Restriction for Persons Over 70 Years

Persons over 70 years of age are insured only for basic risks and only with the insurer's explicit permission, at an increased insurance premium. Emergency dental treatment is an excluded risk for persons over 70 years of age.

Section: Има ли ограничения по покритието?

Лица на възраст над 70 години се застраховат само за основни рискове и след разрешение на Застрахователя, при завишена застрахователна премия.

Direct Settlement vs. Reimbursement Model

The insurance operates under a hybrid model: (1) Direct settlement applies to pre-approved treatments coordinated through the Assistance company, (2) Reimbursement model applies to emergency/urgent care accessed without prior authorization outside working hours, where the insured must gather all original medical and financial documents for reimbursement.

Planned Treatment Exclusion

Medical expenses for planned (scheduled, non-emergency) treatment are explicitly excluded from coverage. Coverage applies only to unexpected acute illnesses or accidents that occur during the trip.

Flexible Trip Duration

Coverage period can be selected from 1 to 365 days, allowing the insured to choose coverage duration matching their specific travel plans.

Exclusion for Travel Undertaken for Treatment Purposes

The insurer is not liable for cases where the insured travels specifically for the purpose of receiving medical treatment.

Section: Какво не покрива застраховката?

При пътуване с лечебна цел на Застрахования;

Claims Submission Requirements

A written claim notice per the insurer's template, medical documents (epicrisis, sick notes, test results, autopsy where relevant), original expense-justifying documents (invoices with receipts and prescriptions), and documents certifying the occurrence of the event are required.