Bulins
Bulins is a travel insurance for the Bulgaria market with no online purchase and 24/7 assistance.
Direct payment
The insurer does not make direct payments to medical providers as a standard process; the assistance company 'Coris Bulgaria' coordinates and arranges services. In Turkey, USA, and/or Canada, if the insured independently selects a medical provider without involvement of Coris Bulgaria, the insurer covers medical expenses up to a limit of 100 EUR only.
Geographic scope
Region A: Europe, Middle East and Mediterranean; Region B: Worldwide
Valid worldwide (Region A or Region B). Events occurring in Bulgaria are excluded for Bulgarian citizens; events outside Bulgaria or the insured's country of citizenship are excluded for foreign nationals.
Unique selling points
- Coverage limits range from 5,000 up to 100,000 EUR/USD, offering a wide range to match trip destination and risk profile.
- 24/7 dedicated medical assistance is provided through Coris Bulgaria, a specialist international assistance network operating in 52 countries year-round.
- Emergency dental care is included in the core product (up to 350 currency units), covering acute toothache, abscess, extraction, cavities and pulpitis — without requiring an add-on.
- Two clearly defined geographic coverage zones (Region A: Europe/Middle East/Mediterranean; Region B: Worldwide) allow customers to precisely match coverage territory to their itinerary.
- Insurance covers both Bulgarian and foreign nationals traveling abroad, with flexible issuance through any Bulins office, bank transfer, or authorized intermediary.
Coverage limits
Medical expenses due to accident or acute illness
Covered
Covers necessary medical expenses including examinations, treatment, and hospitalization resulting from a sudden acute illness or accident while abroad. Coverage limits range from 5,000 to 100,000 EUR/USD depending on the selected plan.
SourceEmergency medical treatment
Covered
Emergency medical treatment for acute illness or accident while abroad is covered under the core medical expenses benefit. The assistance company Coris Bulgaria coordinates and selects the appropriate medical facility and arranges payment.
SourceHospitalization expenses
Covered
Hospitalization costs resulting from acute illness or accident abroad are covered within the overall medical expenses limit of 5,000–100,000 EUR/USD.
SourceOutpatient treatment
Covered
Outpatient medical examinations and treatment resulting from acute illness or accident while abroad are covered within the overall medical expenses limit.
SourceEmergency dental care
Covered
Covers emergency dental treatment to relieve acute severe toothache, incision of abscess, tooth extraction, and dental work for cavities and pulpitis. Limit is up to 350 currency units (EUR/USD) per insured person.
SourceMedical transport
Covered
Covers costs of transporting the insured who is under inpatient treatment abroad to a hospital in their country of residence, if their health condition permits travel. Transport is coordinated by the assistance company Coris Bulgaria.
SourceMedical evacuation
Covered
Medical evacuation and repatriation as a result of acute illness or accident abroad is covered as part of the core benefit. Organized and paid by the assistance company Coris Bulgaria within the insured sum.
SourceRepatriation of mortal remains
Covered
Repatriation of mortal remains to Bulgaria in the event of death abroad is covered as part of the core medical expenses and repatriation benefit, organized by the assistance company.
SourceSearch and rescue
Not offered
Search and rescue costs are not explicitly listed as a covered benefit in the Bulins 'Pomosht pri patuvane s asistans' IPID or product page. This benefit is not confirmed in official Bulins sources.
SourceCOVID-19 treatment coverage
Optional
Coverage for COVID-19 illness is available as a variant of the product ('Pomosht pri patuvane v chujbina s pokritie za COVID-19'). The standard IPID document does not explicitly confirm COVID-19 as included in the base product; it is available as a separately documented product variant.
SourcePre-existing conditions
Excluded
Explicitly excluded: costs of medications and treatment for any illness known before the departure date; chronic diseases and their consequences; conditions previously requiring hospitalization or outpatient treatment; diseases treated in the 6 months prior to policy inception and their consequences.
SourceWinter sports cover
Optional
Winter sports outside designated pistes and freeride zones are excluded from the standard product. Coverage for winter sports can be added against an additional premium, when explicitly noted in the policy.
SourceAdventure / extreme sports cover
Optional
Competitions and high-risk sporting activities are excluded from the standard product unless the risk is explicitly noted in the policy and an additional premium has been paid.
SourcePregnancy complications
Excluded
Explicitly excluded: examinations related to pregnancy and termination of pregnancy. Pregnancy-related care is not covered under this product.
SourcePersonal liability / legal assistance
Optional
Optional additional coverage. Covers actually incurred costs abroad for legal defense if the insured is held liable, including attorney fees and court costs, as well as amounts awarded for property damage and/or non-pecuniary harm caused to third parties. Overall limit of the additional coverage is 2,000 currency units.
SourceLegal assistance
Optional
Legal assistance abroad is included within the 'Liability to third parties / Legal assistance' optional additional coverage. Attorney fees and court costs incurred abroad are covered within the shared limit of 2,000 currency units.
Source24/7 assistance service
Covered
Round-the-clock assistance is provided through the designated assistance company Coris Bulgaria, which operates a 24-hour call center. In the event of an emergency, the insured must contact Coris Bulgaria within 24 hours and follow their instructions.
SourceKey conditions
Assistance call deadline
In the event of an emergency requiring medical assistance or another covered event, the insured, their representative, or a medical professional must contact the assistance company 'Coris Bulgaria' immediately (within 24 hours) and follow the given instructions. For policies with assistance, the general notification deadline is no later than 75 hours.
Unauthorized treatment
If the insured independently selects a medical provider in Turkey, the USA, or Canada without the involvement of Coris Bulgaria, the insurer covers medical treatment costs up to a maximum of 100 EUR only.
Purchase while abroad
The insurance policy must be purchased and the premium paid before the policy comes into force. Coverage commences from 00:00 on the start date specified in the policy, provided the premium has been paid. No coverage is provided if the premium has not been paid.
Chronic conditions
Chronic diseases and their consequences are explicitly excluded, as are prior health conditions that required or would have required medical hospitalization or outpatient treatment before the start of the insurance, and diseases treated in the 6 months prior to the policy coming into force.
Pregnancy
Examinations related to pregnancy and termination of pregnancy are explicitly excluded from coverage.
pre_existing_conditions
Costs for medications and treatment of any illness known before the departure date are excluded. Insured persons must be in good health, have no physical disabilities, and must not be under medical supervision at the date of policy conclusion, unless otherwise agreed in the policy.
coverage_duration_limit
Coverage is valid from 00:00 on the start date to 24:00 on the end date specified in the policy. The insurance can be concluded for individual trips or for multiple trips. The specific duration limit per trip is defined in the policy.
Documents
Информационен документ за застраховка 'Помощ при пътуване с осигурен асистанс' (IPID)
ipid
Policy specifics
Medical expenses for acute illness or accident
Coverage for medical treatment, hospitalization, and emergency care resulting from sudden acute illness or accident while traveling
Emergency medical repatriation
Coverage for emergency medical transportation and repatriation to Bulgaria when medical care cannot be provided locally
Emergency dental care
Coverage for emergency dental treatment to relieve acute pain or infections during travel
Loss, theft or damage of personal baggage and documents
Coverage for financial losses from lost, stolen, or damaged personal luggage and travel documents during trip
Death benefit from accident
Fixed lump sum payment to beneficiaries if insured dies from accident while traveling
Pre-authorization requirement for medical expenses
Insured must contact the assistance center before receiving medical treatment (except in life-threatening emergencies) to obtain pre-authorization and ensure coverage
Geographic territorial scope limitation
Coverage is valid worldwide (for most plans) but excludes Bulgaria. For foreign nationals, coverage may be limited to specific territories.
Policy must commence before departure
Insurance contract must be purchased and activated prior to departure from Bulgaria. No coverage for policies purchased after travel begins.
Pre-existing medical conditions limitations
Coverage may exclude or limit benefits for medical conditions known before policy purchase or pre-trip medical history
Premium payment before policy commencement
Full insurance premium must be paid before the policy becomes active. No coverage is provided if premium payment is not completed.