Generali Insurance AD

Assistance call deadline

The insured must notify the assistance company within 48 hours of the occurrence of the insured event, hospital admission, or other covered event. If the insured cannot do so personally, notification may be made by relatives, trusted persons, or medical staff.

Section: Раздел VI. Какви са Вашите задължения по застраховката? > т.48

Вие или Застрахованият сте длъжни в срок до 48 часа да уведомите Асистанс компанията за настъпването на застрахователното събитие.

Unauthorized treatment

The insurer does not reimburse medical expenses exceeding 150 currency units incurred without prior approval from the assistance company. Transport costs or return-to-Bulgaria costs incurred without assistance company approval are also not covered.

Section: Раздел III. Какви рискове не застраховаме? > т.26

медицински разходи, надвишаващи 150 вал. ед., за които Вие не сте уведомили Асистанс компанията или нас, в рамките на 48 часа от настъпването на застрахователно събитие.

Purchase while abroad

The insurance contract must be concluded exclusively before the start of travel abroad, with the starting point located in the Republic of Bulgaria. It is not possible to purchase the insurance after travel has commenced. If concluded in violation of this rule without explicit insurer consent, the insurer may terminate the contract within one month of becoming aware, and no compensation shall be due for any event that has already occurred.

Section: Раздел I. > Кога сключваме застраховката? > т.14

Застраховката се сключва само и единствено преди началото на Вашето пътуване в чужбина, а началната му точка трябва да се намира в Република България.

Chronic conditions

Expenses for treatment of diseases existing at the time of insurance conclusion are not covered, regardless of whether they were known to the insured at that time. Routine, prophylactic, and scheduled medical examinations and tests are also excluded.

Section: Раздел III. Какви рискове не застраховаме? > т.26

разходи за лечение на съществуващи към момента на сключване на застраховката заболявания, независимо дали са Ви били известни към този момент.

Pregnancy

Expenses related to pregnancy and/or its complications, including abortion, are explicitly excluded. Complications of pregnancy, childbirth, and the post-natal period are also not considered accidents under the accident clause and are excluded from coverage.

Section: Раздел III. Какви рискове не застраховаме? > т.26

разходи, свързани с бременност и/или усложнения, дължащи се на нея включително аборт.

Pre-existing condition exclusions

Pre-existing conditions (diseases present at the time of concluding the policy) are explicitly excluded from coverage regardless of whether the insured was aware of them. Only persons in good health at the time of policy conclusion who are medically fit to travel are eligible for insurance.

Section: Раздел I. Какво са общите условия... > Кого застраховаме? > т.12

Застраховаме само лица, които към момента на сключване на застраховката са в добро здравословно състояние, което им позволява да пътуват и не нарушават лeкарско предписание за това.

Coverage duration limit

For a single-trip policy, the maximum period of insurance coverage extension cannot exceed a total of 12 months. For the Multi-Trip option (annual policy), each individual trip may last up to 30, 60, or 90 consecutive days abroad, with a total stay abroad not exceeding 180 days per year. The Multi-Trip option is available for persons aged 6 months to 75 years at the date of policy conclusion and covers only basic cover risks and assistance services. Medical expenses incurred more than 15 days after the occurrence of the acute illness or accident are not covered.

Section: Какво е „лимит на отговорност“ и какви опции за сключване на полицата предлагаме? > т.23.2 Мулти Трип

Продължителността на всяко едно отделно пътуване може да бъде до 30, 60 или 90 последователни дни в чужбина. Общият престой в чужбина за срок от една година не може да надвишава 180 дни.

Flight Package

Optional add-on coverage for flight-related incidents including flight delays, missed connections, and baggage delays/loss

On the Road Package

Optional coverage for vehicle-related incidents while traveling by car, including hotel expenses during road accidents, misfuelling costs, lost car keys, and legal assistance

Ski and Snowboard Package

Optional coverage for skiing and snowboarding-related losses, including personal equipment theft/destruction, hired equipment costs, and unused ski facility passes

Personal Liability Clause

Optional coverage for third-party liability claims if the insured causes damage to third parties while traveling abroad.

Legal Aid Clause

Optional coverage for legal assistance costs and court defense fees when traveling abroad.

Secure Wallet Clause

Optional coverage for loss or theft of personal documents (passport, ID card, driving license) and credit/debit cards, including compensation for unauthorized use.

Reduction or Extension of Stay Clause

Optional coverage for compensation of unforeseen expenses if insured must return to Bulgaria early or extend stay abroad due to accident, illness, or death of relative.

Medical Expense Approval Threshold

Expenses exceeding 150 currency units incurred without prior approval from the assistance company are not reimbursed

Direct Payment Provider Network

The assistance company (Europe Assistance Hungary) organizes and settles payments directly with medical providers up to agreed policy limits, avoiding out-of-pocket costs for insured

48-Hour Notification Requirement

Insured must notify assistance company immediately or within 48 hours of insurance event occurrence with all medical and financial information and follow all instructions

Document Retention Requirement

Client must collect and retain originals of all medical and financial documents issued in connection with the insurance event for claim submission.

Pre-Trip Conclusion Requirement

Insurance contract must be concluded before beginning of travel, with starting point located in the Republic of Bulgaria.

Assistance Company Coordination

The insured must accurately and in good faith provide the assistance company with all information necessary to fully clarify the circumstances of the insured event; medical and assistance services are coordinated through the designated assistance company (Europe Assistance Hungary).