DZI

Core coverage under DZI Svyat. Covers emergency medical expenses resulting from accident or sudden acute illness abroad, including medical transport to specialist facility, medical examination, hospitalisation (including surgery), and prescribed medications. The insured selects a limit of 5000, 10000, 15000, 20000, 30000 or 50000 EUR. Online purchase offers 10000, 20000, 30000 and 50000 EUR; other limits available through agents and intermediaries. This overall limit governs all sub-coverages under the basic coverage section.

Covers costs for emergency medical care including medical examination, hospitalisation and surgical intervention abroad due to accident or acute illness. Covered within the overall medical expenses limit selected by the insured (5000–50000 EUR). First-contact medical review costs are covered even if the event is subsequently found not to be covered; follow-up treatment in such cases is not covered.

Hospitalisation costs including surgical intervention are covered as part of emergency medical expenses under clause 5.1.1.1, within the selected overall medical limit (5000–50000 EUR). Additionally, a daily hospital allowance of 10 EUR per day for up to 10 consecutive days is payable under clause 5.1.10.

Outpatient medical examination and purchase of prescribed medications related to the diagnosed condition are covered under the emergency medical expenses clause 5.1.1.1, within the selected overall medical limit (5000–50000 EUR). Costs for prostheses of any kind are excluded.

Covers emergency dental treatment due to: (a) accident; or (b) acute inflammatory process in the oral cavity with a precise diagnosis (pulpitis, periodontitis or abscess). Limit is 200 EUR when the selected medical expenses limit is 5000 EUR, and 400 EUR when the medical expenses limit exceeds 5000 EUR. Excluded: routine dental check-ups, filling replacement, fitting or repair of prostheses, implants, crowns or bridges.

Covered as part of emergency medical expenses under clause 5.1.1.1, within the overall selected medical limit (5000–50000 EUR). Includes transport by regular or specialised means as determined by the insurer/assistance company based on the insured's medical condition.

Covered under clause 5.1.2.1. In case of accident or acute illness abroad, the insurer/assistance company organises and pays for repatriation of the insured to a hospital in Bulgaria for continuation of treatment. The insurer/assistance company determines whether repatriation can occur as a regular passenger or requires specialised transport. Repatriation expenses incurred without prior approval of the insurer/assistance company are not covered. Costs fall within the overall selected medical expenses limit.

Under clause 5.1.2.2, the insurer/assistance company organises and covers transport of the body or remains from the place of death to a designated location in Bulgaria. Storage and funeral costs in Bulgaria are excluded. Under clause 5.1.3, if death occurs abroad due to accident or acute illness, up to 2000 EUR is payable for burial at the place of death.

Under clause 5.1.4, if the insured disappears or there is direct danger to life due to accident or acute illness, the insurer/assistance company covers up to 2000 EUR for search and rescue by local specialised services.

Medical expenses caused by SARS-CoV-2/COVID-19 are explicitly covered as a carve-out from the general epidemic/pandemic exclusion (clause 7.25a). Coverage falls within the selected overall medical expenses limit (5000–50000 EUR). All other epidemic or pandemic-related costs remain excluded.

A contracted Assistance Company partner provides 24-hour qualified assistance upon occurrence of any insured event. The insured must contact the insurer/assistance company immediately, but no later than 3 working days after the event, via the 24/7 hotline: +359 0 700 16 166 (Bulgaria) or +3592 811 27 60 (abroad). The assistance company provides names of doctors, hospitals, pharmacies, issues instructions, and organises and pays service providers directly.