Bulstrad

Assistance call deadline

The insured must call the 24/7 assistance center of Global Services Bulgaria AD at +359 2 8197 197 within 3 days of the insurance event occurring, providing their name, policy number, address and a brief description of the problem. In life-threatening situations, emergency transport to the nearest hospital must be arranged immediately, with the assistance company notified as soon as possible thereafter.

Unauthorized treatment

If the insured or their representative fails to notify the Assistance Company within 3 days, the Assistance Company is entitled to invoice the insured for any additional costs that could have been avoided had the notification been timely. The Insurer may refuse full payment or reduce the indemnity amount.

Purchase while abroad

The insurance must be concluded before departure. The policy is valid from the moment the insured departs from the territory of the Republic of Bulgaria and ends upon return to Bulgaria, not later than 24:00 on the end date stated in the contract.

Chronic conditions

Events resulting from chronic diseases are excluded from coverage. Chronic diseases are defined as conditions lasting more than one year with recurring symptoms. However, emergency medical expenses due to sudden acute illness (even if related to a pre-existing condition that manifests acutely) may be covered at insurer's discretion.

Pregnancy

Pregnancy, childbirth and resulting complications are excluded from coverage. Termination of pregnancy (abortion) is also excluded unless performed to save the life or health of the insured and is permitted in the country where performed.

pre_existing_conditions

Pre-existing conditions are not covered. Events resulting from chronic diseases or conditions that existed before the insurance period are explicitly excluded. Emergency treatment for sudden acute illness is covered even if the insured has underlying health issues, provided the event is genuinely sudden and unforeseen.

coverage_duration_limit

Hospital treatment is covered for up to 15 days from the date of the accident or sudden illness. The maximum insurance period is 365 days per year. For multi-trip policies, each individual trip must not exceed the maximum duration of the chosen package (Multitrip 31, 62, 92 or 184 days).

Flight cancellation and trip interruption

Coverage for documented financial expenses due to cancellation, interruption or extension of voyage including flight delay or missing connection

Baggage delay, loss, damage or theft

Coverage for baggage delay on flights, loss, damage or theft of luggage, and loss of travel documents

Search and rescue expenses

Coverage for search and rescue expenses including mountain accident assistance incurred by specialized rescue services

Legal assistance

Coverage for lawyer defense expenses up to EUR 1,500 if insured is subject to civil liability proceedings

General third-party liability

Coverage for damages to third parties caused by insured person's civil liability during travel

Emergency dental care

Coverage for emergency dental expenses up to EUR 350

COVID-19 medical and transportation expenses

Coverage for emergency medical expenses and medical transportation/repatriation as result of COVID-19 sickness

Accompanying person expenses

Coverage for accommodation, food and return travel of one accompanying person if insured is hospitalized

Maximum age restriction

Insured persons must be no older than 75 years at time of insurance conclusion; older persons can be covered for additional premium

Assistance company notification requirement

Insured must contact assistance company (Global Services Bulgaria) at +359 2 8197 197 upon occurrence of medical event; in life-threatening situations arrange immediate hospitalization then contact

Cancellation notice period

Insurance can be terminated after effectiveness with 14-day written notice to insurer if trip has not occurred for objective reasons

Minimum hospitalization duration for accompanying person benefit

Accompanying person expenses covered only if insured hospitalized for more than 7 consecutive days

Schengen area coverage optional expansion

Medical insurance for foreigners in Bulgaria: territorial scope can be expanded from Bulgaria-only to include all Schengen area member states with additional coverage (Clause 1)

Minimum coverage limit

For medical insurance for foreigners: minimum sum insured is 60,000 BGN (30,000 EUR); for travel package: typical limits are 10,000-30,000 EUR based on destination and duration