Bul Ins
Bul Ins is a travel insurance for the Bulgaria market with no online purchase and 24/7 assistance.
Direct payment
The insurer, through assistance company Koris Bulgaria, pays medical expenses and hospitalisation costs directly to the healthcare provider. The insured must contact the assistance centre immediately (within 24 hours) for coverage to be authorised. Costs incurred without prior approval of the assistance company are generally not covered.
Geographic scope
Region A: Europe, Near East and Mediterranean; Region B: Worldwide
Valid worldwide (per chosen region), excluding the Republic of Bulgaria for Bulgarian nationals. For foreign nationals, also excludes their country of citizenship.
Unique selling points
- Coverage limits of up to 100,000 EUR/USD, well above the Schengen visa minimum, with selectable tiers from 5,000 to 100,000 EUR/USD.
- Direct payment guarantee: the insurer pays medical and hospitalisation costs directly to the healthcare provider through assistance partner Koris Bulgaria, eliminating out-of-pocket outlay for the insured.
- 24/7 Bulgarian-language assistance available 365 days a year, eliminating language barriers with local medical staff abroad.
- COVID-19 medical treatment is included in the core coverage with no separate add-on required.
- Worldwide territorial coverage available (Region B option) for travellers going beyond Europe, including the Near East and beyond.
Coverage limits
Medical expenses (accident or acute illness)
Covered
Covers actual costs of medical examinations, treatment, medications and related expenses incurred abroad due to an accident or acute illness, within the chosen coverage limit (5,000 to 100,000 EUR/USD depending on selected tier and region).
Emergency medical treatment
Covered
Included as part of the core medical expenses cover. The insurer, via the assistance company, organises and directly pays for emergency medical care abroad within the overall policy limit.
Hospitalisation costs
Covered
Hospitalisation expenses abroad resulting from an accident or acute illness are covered within the overall medical expenses limit. The insurer monitors the hospitalised client and coordinates care with local physicians, guaranteeing and paying costs directly.
Outpatient treatment
Covered
Outpatient medical examinations and treatment abroad are included within the overall medical expenses coverage limit.
Emergency dental care
Covered
Emergency dental care is included in the core coverage. A sub-limit applies but the exact amount is not disclosed on public-facing pages and is contained in the full policy terms and conditions.
Medical transport
Covered
Costs of medical transportation are covered within the overall policy limit as part of the core repatriation coverage for accident or acute illness.
Medical evacuation and repatriation
Covered
Repatriation following an accident or acute illness is part of the core coverage, covered within the overall policy limit. This includes transport back to Bulgaria or the insured's country of residence.
Repatriation of mortal remains
Covered
Repatriation of mortal remains is listed as a covered risk within the policy. The specific limit is not disclosed on public-facing pages and is contained within the full policy terms.
Search and rescue
Not offered
Search and rescue is not listed as a covered risk in the publicly available product information for this policy.
COVID-19 treatment
Covered
Medical assistance including for COVID-19 illness is covered under the core medical assistance coverage, within the overall policy limit.
Pre-existing conditions
Excluded
Costs for treatment of a condition that was known before the departure date are explicitly excluded. The IPID states that costs for medications and treatment of an illness known prior to the departure date are not covered.
Winter sports cover
Not offered
Winter sports coverage is not explicitly mentioned on publicly available product pages. It may be available as an optional add-on but this cannot be confirmed from the available sources.
Adventure and extreme sports cover
Not offered
Adventure or extreme sports coverage is not mentioned in the publicly available product information. It may be available as an optional clause but cannot be confirmed from the available sources.
Pregnancy complications
Not offered
Not explicitly described on the Bul Ins travel product pages. Pregnancy complications coverage terms, if any, are stated in the full general conditions of the policy.
Personal liability and legal assistance
Optional
Personal liability and legal assistance are listed as optional additional coverages. The specific limit is not stated on public-facing pages.
Legal assistance
Optional
Legal assistance is listed as an optional additional coverage combined with third-party liability. The specific limit is not disclosed on public-facing pages.
24/7 assistance
Covered
24/7 assistance is included via partner assistance company Koris Bulgaria. The assistance centre operates 7 days a week, 24 hours a day in Bulgarian. The insured must contact the centre immediately within 24 hours upon occurrence of an insured event.
Key conditions
Assistance call deadline
The insured, their representative or a medical professional must contact the assistance company immediately within 24 hours of the insured event occurring. Failure to notify within this deadline may result in the insurer refusing to pay compensation where the lack of notification prevented establishing the grounds or extent of the claim.
Unauthorized treatment
Medical costs incurred without prior approval from the assistance company are generally not covered. The insured must use the assistance company network and receive authorisation before obtaining treatment.
Purchase while abroad
It is not confirmed from available sources whether the policy can be purchased after the insured has already departed abroad. Bulgarian travel assistance policies must typically be purchased before departure.
Chronic conditions
Treatment costs for conditions known before the departure date are explicitly excluded. Chronic diseases that were known prior to departure are not covered.
Pregnancy
Pregnancy and pregnancy complications coverage terms are not stated on publicly available product pages. Conditions would be specified in the full general terms and conditions of the policy.
Pre-existing condition exclusions
Pre-existing conditions (illnesses known before the departure date) are explicitly excluded from coverage. The IPID confirms that costs for medications and treatment of an illness already known prior to departure are not covered.
Coverage duration limit
The insurance can be taken out for a single trip or for multiple trips (annual multi-trip). Coverage is valid for the period stated in the policy. For a single trip the policy covers the duration of that specific journey. Annual multi-trip policies cover multiple trips within one calendar year.
Policy specifics
Trip cancellation
Reimbursement for pre-paid, non-refundable travel expenses when cancelling a trip for covered reasons
Territorial scope - travel abroad only
Coverage is valid worldwide (Region A or Region B depending on selected tier), excluding the Republic of Bulgaria for Bulgarian nationals. For foreign nationals, coverage also excludes their home country.
Coverage tiers - Region A and Region B
The policy is offered in two geographic zones: Region A (Europe, Near East, Mediterranean) and Region B (Worldwide). Coverage limits range from 5,000 to 100,000 EUR/USD across selectable tiers.
Exclusion of pre-existing conditions
Costs for medications and treatment of an illness that was known before the departure date are explicitly excluded from coverage, as confirmed in the IPID.
Mandatory contact with assistance company
Upon occurrence of an insured event, the insured must immediately (within 24 hours) contact the assistance company. Treatment costs incurred without prior assistance company approval are generally not covered.