Colonnade

Assistance call deadline

The insured must immediately contact Colonnade Assistance (+359 2 921 01 00, available 24/7) when requiring emergency medical help, transportation or repatriation abroad. Failure to contact assistance before treatment may result in non-reimbursement of costs incurred without prior approval.

Unauthorized treatment

Medical expenses incurred without prior notification and approval by Colonnade Assistance may not be reimbursed. The insured must follow the recommendations of the attending physician and Colonnade Assistance physicians. Elective, planned, sanatorium, physiotherapy, cosmetic/plastic procedures are excluded.

Purchase while abroad

If the insurance is taken out while the insured is already abroad, coverage commences no earlier than 3 days after the date of conclusion of the contract and upon payment of the premium. This restriction does not apply for policy renewals made before the previous policy expires.

Chronic conditions

Acute exacerbation of chronic diseases is generally excluded unless the condition was stable (not exacerbated) in the 6 months prior to the insurance commencement date. Partial coverage for chronic disease exacerbation is available in Gold and Platinum plans. Stabilized chronic conditions are an exception to the general exclusion for events occurring outside the policy term.

Pregnancy

Pregnancy complications are covered only up to the 26th week of pregnancy. Complications after week 26 are excluded. Trip cancellation or modification due to pregnancy or premature birth after week 26 is also not covered. Abortion, IVF and infertility treatment are excluded.

pre_existing_conditions

Medical expenses for conditions that existed before the insurance commencement date are not covered. Planned treatment, travel for the purpose of obtaining medical advice, and any resulting complications are excluded. Chronic diseases exacerbated within 6 months before the start of insurance are excluded. Exception applies for stabilized chronic conditions and, in Gold/Platinum, for acute exacerbation not preceded by exacerbation within the prior 6 months.

coverage_duration_limit

The insurance covers single trips or annual multi-trip policies. Coverage begins on the start date stated in the contract and ends upon return to Bulgaria, but no later than the end date stated in the contract. The insurance must be taken out before crossing the Bulgarian state border. Maximum insured age is 85 years (inclusive) at the trip start date.

Emergency Medical Expenses

Covers emergency medical treatment costs resulting from accident or acute illness outside the home country and country of permanent residence

Medical Transport and Repatriation

Covers emergency medical transportation and repatriation to home country without limitation

Baggage Loss and Theft

Covers loss, theft or damage to baggage including electronic equipment and personal documents

Trip Cancellation

Optional coverage for trip cancellation due to 15 different reasons including health issues, employment changes, property damage, theft of documents

Extreme Sports Protection

Optional coverage for professional sports, extreme sports, winter sports, and sports competitions

Mandatory Assistance Centre Contact

Insured must contact Colonnade Assistance immediately when requiring emergency medical help, transportation or repatriation abroad

Territorial Coverage Exclusion

Coverage excludes territory of Bulgaria and insured person's country of permanent residence

Pregnancy Coverage Waiting Period

Optional pregnancy coverage includes 3-month waiting period for first pregnancy detection and 8-month waiting period for childbirth

Physical Labour Premium Required

Insured must pay additional premium if business trips include manual labour or physical work

Pre-Existing Conditions Exclusion

Coverage excludes illnesses or injuries that existed before insurance commencement date

Waiting Period When Already Abroad

If the insurance is taken out while the insured is already abroad, coverage begins no earlier than 3 days after the date of contract conclusion and upon premium payment. This restriction does not apply to renewals concluded before the previous contract expires.