Bulstrad Life Travel insurance (Bulstrad Travel Paket)

Selectable medical expenses sum insured from EUR 5,000 up to EUR 100,000, allowing customisation for any destination or trip duration.

24/7 direct-pay assistance via Global Services Bulgaria, which organises and, where possible, pays the treating facility directly.

COVID-19 emergency medical costs and repatriation are covered (up to 10% of the sum insured, max EUR 5,000), unlike many standard travel policies that exclude pandemic-related events entirely.

Legal assistance (lawyer's fees) up to EUR 1,500 and general third-party liability are bundled into the standard Travel Paket, which many competitors sell only as separate add-ons.

Assistance call deadline

In an emergency the insured should call the 24/7 assistance centre (+359 2 8197 197) immediately or as soon as possible; the formal claims procedure requires notifying the assisting company within 3 days of the event, and the insurer must additionally be notified in writing within 7 days.

Section: Раздел XIII. Взаимоотношения при настъпване на застрахователно събитие

Застраховащият/Застрахованият е длъжен в тридневен срок да се обади на следния телефонен номер за спешна помощ

Unauthorized treatment

If hospitalization occurs and the assisting company is not notified within 3 days of the event, it is entitled to invoice the insured for additional costs that could have been avoided had this requirement been met.

Section: Раздел XIII. Взаимоотношения при настъпване на застрахователно събитие

Асистиращата компания е в правото си да фактурира на Застрахования всички допълнителни разходи, направени от нея

Purchase while abroad

Cover under the medical expenses and related clauses only commences once the insured leaves Bulgaria and not earlier than the policy start date, provided the premium has been paid — i.e. the policy must be arranged before departure.

Section: VII. Срок на застрахователното покритие

застрахователното покритие започва с напускане от Застрахования на територията на Република България, но не по-рано от датата ... и наличие на платена застрахователна премия

Chronic conditions

Events resulting from chronic illness are excluded; coverage under the medical expenses clause applies solely to accident and sudden illness.

Section: Раздел XXII. Застрахователни покрития > Клауза 1 – Специални изключения

при събития, настъпили в резултат на хронично заболяване

Pregnancy

Pregnancy, childbirth and their consequences, including termination of pregnancy, are excluded from the scope of medical expenses cover, unless the termination is performed to preserve the insured's life or health.

Section: Раздел XXII. Застрахователни покрития > Клауза 1 – Специални изключения

при събития в резултат на бременност или последици от нея

Pre-existing condition exclusions

Pre-existing and chronic medical conditions are not covered; cover is restricted to accident and sudden illness arising during travel abroad.

Section: Раздел XXII. Застрахователни покрития > Клауза 1 – Специални изключения

при събития, настъпили в резултат на хронично заболяване

Coverage duration limit

The insurance period may run from 1 day to 1 year; hospitalization is covered for up to 15 consecutive days per event. Multi-trip packages (31/62/92/184 days per trip) are available up to a total 365-day period.

Section: VII. Срок на застрахователното покритие

Срокът на застраховката е от 1 (един) ден до 1 (една) година, в зависимост от продължителността на пътуване

Direct payment

The assisting company (Global Services Bulgaria JSC, tel. +359 2 8197 197) organises and, where possible, pays the treating facility directly; the insurer reimburses documented out-of-pocket expenses within 15 working days of receipt of all required documents.