Bul Ins Travel insurance (Pomosht Pri Patuvane S Asistans)

Selectable coverage limits from 5,000 up to 100,000 EUR/USD, well above typical Schengen visa minimums.

Assistance is provided through Coris International's Bulgarian branch, part of a network spanning 52 countries with round-the-clock, year-round availability.

Worldwide territorial option (Region B) is available for travellers going beyond Europe and the Near East.

Optional add-on covers extend beyond core medical assistance to accidental death/disability, third-party liability with legal assistance, and baggage loss, theft or delay.

Assistance call deadline

For policies with assistance included, general notification of an insured event must reach the insurer/assistance company no later than 75 hours after the event (7 days for policies without assistance). Separately, in case of need for emergency medical help, the insured, a representative or a medical professional must contact Koris Bulgaria immediately, within 24 hours.

Section: Какви са задълженията ми? – Застрахованото лице е длъжно

Вие, Ваш представител или медицинско лице трябва незабавно /до 24 часа/ да се свържете с асистиращата компания „Корис България“.

Unauthorized treatment

The insured must contact Koris Bulgaria and follow its instructions when an insured event occurs; the publicly available IPID does not itself state that costs incurred without prior assistance-company approval are forfeited.

Section: Какви са задълженията ми? – Застрахованото лице е длъжно

Застрахованият е длъжен да положи усилия за предотвратяване на застрахователно събитие... и да изпълни всички негови указания.

Purchase while abroad

The policy can be purchased while the insured is already abroad. For persons who are outside the Republic of Bulgaria (or foreign nationals outside their country of residence) at the time of concluding the policy, cover takes effect 7 days after the policy is concluded and the premium is paid, provided no insured event has occurred by the time the policy is issued.

Section: 5. СКЛЮЧВАНЕ, ДЕЙСТВИЕ И ПРЕКРАТЯВАНЕ НА ЗАСТРАХОВАТЕЛНИЯ ДОГОВОР

5.3.2. за лица, намиращи се извън територията на Република България и за чужди лица - извън територията на резидентната им страна в момента на сключване на застрахователна полица, действието на застрахователната полица влиза в сила 7 дни след датата на сключване на полицата и заплащане на дължимата застрахователна премия при условие, че към момента на издаване на застрахователната полица няма настъпило застрахователно събитие.

Chronic conditions

Chronic diseases and their consequences are excluded, including pre-existing health impairments that required or would have required hospitalisation or outpatient treatment before the policy began, and illnesses treated within the last six months before the policy's inception.

Section: Какво не покрива застраховката? > Не се застраховат

Хронични заболявания и последиците от тях... за заболявания, лекувани през последните шест месеца преди влизането в сила на застраховката.

Pregnancy

Examinations related to pregnancy and pregnancy termination are explicitly excluded from cover; the document does not separately address acute pregnancy complications.

Section: Какво не покрива застраховката? > Не се застраховат

Прегледи, свързани с бременността и прекратяване на бременност.

Pre-existing condition exclusions

Costs for medications and treatment of an illness known before the departure date are explicitly excluded from cover.

Section: Какво не покрива застраховката? > Не се застраховат

Разходи за медикаменти и лечение на заболяване, което е било известно преди датата на заминаване.

Coverage duration limit

Cover runs from 00:00 on the start date stated in the policy to 24:00 on the end date stated in the policy, provided the premium has been paid; whether single-trip and annual multi-trip variants are both offered is not confirmed from the sources reviewed.

Section: Кога започва и кога свършва покритието?

Застрахователното покритие започва да тече от 00.00 часа на деня, посочен за начало... и изтича в 24.00 ч на деня, посочен за край в полицата.

Direct payment

The insured, their representative or a medical professional must contact the assistance company Koris Bulgaria and follow its instructions when emergency medical assistance or another insured event occurs. The IPID does not itself state that the assistance company pays providers directly or that unauthorised costs are forfeited; those mechanics are described in the full general terms and policy documentation.