Groupama Zastrahovane EAD

Covers unforeseen and urgent medical expenses arising from an accident or acute illness during travel abroad, including medical examinations, investigations, treatment, surgery, prescribed medicines, medical devices, hospitalisation, and emergency ambulance transport. Insured sum range: 5,000–100,000 EUR/USD for single-trip variant; up to 50,000 EUR/USD for Multitrip variant. For persons over 64, the limit for acute illness is 50% of the policy sum, max 2,500 EUR/USD.

Covers emergency medical treatment costs (consultations, examinations, treatment, surgical intervention) arising directly from an accident or acute illness during travel. Included within the overall medical expenses limit of 5,000–100,000 EUR/USD. Unauthorised treatment without prior coordination with the assistance company reduces the liability limit to 200 EUR/USD.

Inpatient hospitalisation costs are covered as a sub-component of the overall medical expenses benefit within the 5,000–100,000 EUR/USD limit. No separate sub-limit is specified; covered up to the overall policy sum.

Outpatient medical consultations, examinations and treatment are covered within the overall medical expenses limit. No separate sub-limit stated; covered up to the policy insured sum.

Covers emergency dental treatment for relief of severe pain due to physical injury from an accident or acute inflammatory process in the oral cavity, as diagnosed by a dentist. Sub-limit: up to 400 USD/EUR. Routine dental care and non-emergency dental treatment are excluded.

Covers costs for emergency ambulance transport of the insured from the place of accident or illness to the nearest medical facility. Included within the overall medical expenses limit with no separate stated sub-limit beyond the overall policy sum.

Covers repatriation of the insured from the location abroad back to Bulgaria or to a medical facility in Bulgaria, as determined by medical specialists appointed by the assistance company. Also covers provision of a medical escort or reimbursement of travel costs for a family member to accompany the insured. Repatriation is carried out only if the insured's condition permits transport.

Covers all costs related to repatriation of the insured's mortal remains from the place of death to the place of burial in Bulgaria, as designated by the heirs or relatives. Funeral ritual and inventory costs are not included.

Covers the insured's liability for material and non-material damages caused to third parties abroad. Settlement based on an out-of-court agreement approved by the insurer, or a final court judgment. Limit: up to 1,000 USD/EUR. Excludes liability towards family members, professional liability, and liability arising from motor vehicles.

Covers legal defence costs and/or court expenses if the insured is held liable under civil law in the country of travel in connection with damages caused to a third party, or an unintentional violation in situations related to their private life as an ordinary citizen. Limit: up to 1,000 USD/EUR.

Round-the-clock emergency assistance is provided through an international network of the contracted assistance company (Global Services Bulgaria / GSBHelp, tel. +359 2 850 89 89). All specialised services and assistance are delivered under continuous 24-hour readiness. The insured must contact the assistance company within 3 working days of the insured event.