Generali Travel insurance (Pomosht Pri Pytuvane V Chuzhbina)

Covers outpatient and inpatient medical expenses resulting from accident or acute illness abroad. The insured selects a sum insured (limit of liability) for the basic cover within a range of EUR/USD 2,000 to EUR/USD 50,000. For persons over 70, the maximum insured sum under basic cover is 30,000 currency units, with a sub-limit of 5,000 currency units for medical expenses due to acute illness. A health questionnaire is required for limits above 100,000 currency units.

Emergency medical treatment is covered as part of the basic coverage within the selectable sum insured range of EUR/USD 2,000–50,000. Covers stabilization of acute conditions, surgical intervention, physician fees, prescribed medicines, and hospitalization in a standard room. Only acute/emergency treatment is covered; non-urgent treatment or treatment that was the purpose of travel is excluded.

Covers inpatient hospitalization costs within the selectable basic-cover sum insured (EUR/USD 2,000–50,000), including emergency ambulance transport, admission and stay in a standard room, medical examinations, diagnostics, therapeutic and surgical treatment, physician fees, and prescribed medications. Coverage is limited to treatment needed to stabilize the acute condition or pain symptoms.

Covers outpatient treatment costs within the selectable basic-cover sum insured (EUR/USD 2,000–50,000), including emergency ambulance transport from the scene of the accident/acute illness to the nearest medical facility, medical examinations and tests (laboratory analyses, X-ray diagnostics, etc.), prescribed medicines, and specialist physician fees. Covered when early termination of travel is not required.

Covers emergency dental treatment up to 250 currency units per event and in total for the entire policy period. Covered services: removal of severe toothache due to accident; relief of severe pain from acute inflammatory processes in the oral cavity with precise diagnosis (pulpitis, periodontitis, abscess); extraction of a suddenly broken or deeply damaged tooth including anaesthesia. One follow-up check-up after treatment is also covered.

Covers the cost of returning the insured to Bulgaria during inpatient treatment when the insured's health condition allows continuation of treatment in Bulgaria, organized by the assistance company. The limit is up to the agreed basic coverage limit but not exceeding 25,000 currency units. The decision on timing and mode of transport is made exclusively by the doctors designated by the assistance company.

Medical evacuation-type transport is composed of the emergency ambulance transport to the nearest facility under clauses 19.1/19.2 and, where return to Bulgaria is needed, is capped at the agreed basic coverage limit but not exceeding 25,000 currency units under clause 19.5. If required, a medical specialist to accompany the insured during return is also covered.

In the event that the insured dies while traveling abroad, the assistance company organizes and covers the transport of the body or cremated remains to Bulgaria, to the locality designated by the next of kin. The limit is up to the agreed basic coverage limit but not exceeding 25,000 currency units. Storage costs, funeral rites, and burial expenses are not covered.

The insurer pays through the assistance company the costs charged by local specialized services for mountain search and rescue operations. The limit is 2,000 currency units per event and in total for the entire policy period.

Upon diagnosis of COVID-19 (SARS-CoV-2) infection, the insurer covers up to the agreed basic policy limit but not more than 5,000 currency units for: outpatient and inpatient medical treatment expenses; costs of returning to Bulgaria during inpatient treatment; and repatriation of remains. Coverage is included in the basic cover but subject to a sub-limit of 5,000 currency units.

Expenses for treatment of conditions (diseases) existing at the time of taking out the insurance are explicitly excluded, regardless of whether they were known to the insured at that time. Only persons in good health at the time of policy conclusion who are fit to travel and are not violating medical advice are eligible for coverage.

Optional add-on package covering ski/snowboard-related losses: (1) Own ski/snowboard equipment stolen by break-in or destroyed by fire, natural disaster, attempted break-in, or accident – limit up to 150 currency units total. (2) Hired replacement equipment – limit up to 15 currency units per day, max 7 days. (3) Unused portion of ski facility pass due to accident or acute illness – limit up to 50 currency units per day, max 7 days.

Amateur participation in extreme sports and professional participation in any sport or organized sports competitions are explicitly excluded from the standard policy. Upon explicit agreement noted in the policy and payment of additional premium, the insurer can include these activities grouped by risk classes.

Expenses related to pregnancy and/or complications arising from it, including abortion, are explicitly excluded. Complications of pregnancy, childbirth, and the post-natal period, and abortion outside hospital conditions are not considered accidents and are excluded from the accident clause.

Optional clause covering the insured's liability up to the agreed policy limit if during travel abroad the insured causes death, bodily injury, illness, or damage to third-party property. The T&C does not state a fixed numeric limit; it is set per the agreed policy value. Excludes liability from vehicles, watercraft, aircraft, weapons, real estate, intentional crimes, fines, contractual/professional liability, and damages under alcohol/drugs. Not available for minors.

Optional clause organized through the assistance company, covering legal assistance costs and defense in court proceedings abroad initiated against the insured for damages caused to third parties, up to the agreed policy limit (no fixed number stated in the T&C). Coverage applies to costs incurred up to one month after the expiry of the policy. Not available for minors.