Colonnade

Covers emergency medical treatment costs incurred abroad due to illness (including COVID-19) or accident, to restore health to the level permitting return home or to a Bulgarian hospital. Includes outpatient consultations, hospitalization, medications (prescribed), orthopedic aids, decompression chamber, and continuation of treatment in Bulgaria for up to 30 days after policy end. Sub-limit of 10% of this coverage sum applies to sudden exacerbation of a stabilized chronic condition. Specific limit per tier (SILVER/GOLD/PLATINUM) as stated in the contract sums table.

Included within the overall medical expenses and assistance coverage. Covers emergency outpatient and inpatient treatment abroad due to illness or accident. Limits vary by SILVER/GOLD/PLATINUM tier per the contract sums table; assistance services (24h helpline, direct hospital billing, medical evacuation) are within the same coverage limit.

Hospitalization including surgeries and procedures whose execution cannot be deferred until return to Bulgaria is included within the medical expenses and assistance coverage. Colonnade Assistance selects the hospital, arranges admission and specialized medical transport. Daily hospital cash benefit also available as a separate sub-coverage (for hospitalizations exceeding 24 hours, up to 30 days; up to 10 days for pregnancy/childbirth hospitalization). Limits per SILVER/GOLD/PLATINUM tier.

Outpatient treatment including medical examinations and treatment recommended by a physician, physician consultations and fees, and home visits by a physician are included within the medical expenses coverage. Limits apply per SILVER/GOLD/PLATINUM tier.

Emergency dental treatment in case of severe pain and inflammatory processes is covered up to the stated insured sum for all conditions arising during the policy term and requiring immediate medical assistance. The specific limit is per SILVER/GOLD/PLATINUM tier as stated in the contract sums table.

Colonnade Assistance organizes and covers transport to the nearest suitable hospital or from accommodation to hospital, using means appropriate for the insured's health condition, after providing necessary medical assistance abroad. Included within the medical expenses and assistance coverage limit.

Colonnade Assistance organizes and covers repatriation of the insured to a hospital or home in Bulgaria if the health condition requires it and pre-arranged transport cannot be used. Transport is by means suited to the insured's condition. Decision on necessity and destination is made by Colonnade Assistance after approval from the attending physician. Included within the medical expenses and assistance coverage limit.

Upon death of the insured, Colonnade Assistance organizes repatriation of mortal remains to Bulgaria. Coffin costs up to EUR 1,000 are covered. Alternatively, cremation and repatriation of the urn or burial abroad may be arranged, up to the cost of repatriation of remains. Included within the medical expenses and assistance coverage limit.

Colonnade Assistance covers and reimburses expenses for search and rescue in mountains or bodies of water (ocean, sea, etc.) carried out by specialized rescue services on state or international territory. Costs covered up to the limit stated in the contract sums table per SILVER/GOLD/PLATINUM tier.

Medical treatment due to COVID-19 illness is explicitly included within the standard medical expenses coverage (§3.1.1). Additionally, documented quarantine expenses (accommodation, food, transport) due to mandatory quarantine imposed by local health authorities because of COVID-19 (confirmed by positive test) are covered up to the stated sum, including return-trip costs if the quarantine prevents return on the originally planned date. Limit per SILVER/GOLD/PLATINUM tier.

Covers amounts the insured is legally obligated to pay as compensation for damages caused to third parties in connection with normal lifestyle activities (property damage and bodily injury). Covers court-ordered or insurer-approved settlements and legal defence costs before authorities. Key exclusions: damages to family members, damages from vehicle use, firearm use, damages in Bulgaria, amounts below EUR 100. Specific limit per SILVER/GOLD/PLATINUM tier.

A 24-hour duty centre at Colonnade Assistance provides services in Bulgarian and English (phone: +359 2 921 01 00). Services included within the medical expenses coverage limit: direct hospital billing, medical transport and evacuation, repatriation of remains (coffin up to EUR 1,000), emergency coverage extension (up to 72 hours free), hotel accommodation guidance, escort/companion arrangements for hospitalized insured, search and rescue, replacement colleague travel, early return or extended stay assistance, trip resumption, replacement vehicle driver, vehicle repatriation. Telephone costs for covered events up to EUR 50 are reimbursed.