DZI

Medical expenses and repatriation upon accident and/or acute illness

Covered

Covers costs for emergency medical and/or surgical assistance, prescribed medications, hospitalisation and treatment in hospital (excluding prosthetics), as well as repatriation to Bulgaria, due to sudden acute illness and/or accident during travel abroad. Coverage limit ranges from 10,000 EUR (Basic package) to 50,000 EUR (Premium package). Online purchase options are 10,000, 20,000, 30,000 and 50,000 EUR. Other limits from 5,000 to 50,000 EUR are available through agents.

Emergency medical treatment (included within medical expenses)

Covered

Emergency medical and surgical treatment, prescribed medications and outpatient care are covered as part of the overall medical expenses limit (10,000 to 50,000 EUR depending on package). No separate sub-limit is stated for emergency treatment alone; it is part of the combined medical expenses and repatriation benefit.

Hospitalisation costs

Covered

Hospitalisation and in-hospital treatment costs are covered as part of the overall medical expenses and repatriation limit (10,000 to 50,000 EUR). Additionally, a daily hospital allowance of up to 100 EUR is included as a separate sub-benefit. Prosthetics are explicitly excluded.

Outpatient treatment (included within medical expenses)

Covered

Outpatient emergency medical care including physician visits, diagnostics and prescribed medications is covered within the overall medical expenses limit. No separate outpatient sub-limit is defined; it forms part of the combined medical expenses benefit.

Emergency dental assistance

Covered

Covers emergency dental treatment up to 400 EUR for: bodily injury due to accident; or acute inflammatory process in the oral cavity for which an exact diagnosis can be made (pulpitis, periodontitis or abscess). Dental prosthetics, replacements, implants, fillings, crowns and bridges are explicitly excluded.

Medical transport to hospital

Covered

The Insurer/Assistance Company organises and covers transport to the nearest suitable hospital or medical facility by ambulance (ground or air) or scheduled flight in the event of acute illness or accident. Transport costs are covered within the overall medical expenses and repatriation limit. Costs incurred without prior approval are not covered.

Medical evacuation and repatriation to Bulgaria

Covered

The Insurer/Assistance Company organises and covers transport of the insured to a hospital in Bulgaria by scheduled flight under medical supervision when the insured's condition permits repatriation. After discharge, repatriation as a regular passenger is also covered. If the insured refuses repatriation, medical expenses are capped at the cost of repatriation. All repatriation costs are included within the overall medical expenses limit and require prior approval.

Repatriation of mortal remains

Covered

Upon death of the insured abroad, the Insurer/Assistance Company organises and covers transport of the body or mortal remains from the place of death to a designated location in Bulgaria. Storage of remains and funeral or burial costs are explicitly excluded. The event must be reported to the Insurer/Assistance Company as soon as possible.

Search and rescue costs

Covered

Covers costs associated with search and rescue operations when the insured becomes lost or requires rescue during travel abroad. The coverage limit is up to 2,000 EUR.

COVID-19 treatment coverage

Covered

DZI Svyat travel insurance explicitly includes coverage for COVID-19 related medical expenses during travel abroad, within the overall medical expenses limit (10,000 to 50,000 EUR depending on package). Note: general exclusion 4.33(a) excludes costs arising from an epidemic or pandemic declared by official bodies including WHO; the specific COVID-19 inclusion is explicitly marketed on the official product page.

24/7 assistance services

Covered

Round-the-clock assistance is provided through a contracted Assistance Company authorised by DZI to organise and provide 24-hour qualified assistance in accordance with the insurance coverages. Upon an insured event the insured must contact the DZI Customer Service Centre at tel. +359 (0) 700 16 166. The Assistance Company provides names of doctors, dentists, addresses of hospitals, pharmacies, emergency services and instructions for required actions.