Insurance Company Lev Ins AD
Lev Ins
Lev Ins is a travel insurance for the Bulgaria market with online purchase and 24/7 assistance.
Direct payment
The insurer, through assistance company Coris Bulgaria, arranges and pays for medical services directly. If the insured has paid out-of-pocket, reimbursement can be claimed upon return to Bulgaria with original supporting documents.
Geographic scope
Worldwide except Bulgaria
Valid worldwide except the territory of the Republic of Bulgaria; does not cover non-Bulgarian citizens in their country of citizenship
Unique selling points
- 100% reimbursement with zero deductible - all approved expenses covered in full, unlike many competitors that apply co-payments.
- 24/7 emergency assistance in English through Coris Bulgaria, a dedicated international assistance leader reachable at +359(2) 90 30 114.
- Coverage available for individuals up to 85 years of age with no medical documents required, with flexible single-trip and multitrip options.
- Worldwide territorial coverage with a premium unaffected by the destination country, making it equally priced for any international trip.
- Flexible modular coverage - customers select and pay only for the risks and insured sums they need, including optional winter sports, rescue costs, and personal liability.
Coverage limits
Medical expenses and repatriation
Covered
Covers medical treatment costs and repatriation as a result of an accident or acute illness while traveling abroad. The insured sum is agreed per risk and stated in the policy. For persons over 70 years of age, coverage for acute illness is capped at 4,000 EUR or USD regardless of the selected sum insured.
Emergency medical treatment
Covered
Emergency medical treatment for acute illness or accident is covered as part of the mandatory medical expenses clause (10.1). The assistance company Coris Bulgaria organises access to appropriate medical facilities 24/7.
Hospitalization
Covered
Hospitalization costs are covered under the mandatory medical expenses and repatriation clause (10.1) for accidents or acute illness. An optional daily hospital allowance is also available as an additional selectable risk.
Outpatient treatment
Covered
Outpatient treatment for accidents and acute illness is covered within the mandatory medical expenses clause (10.1). The assistance company selects and directs the insured to an appropriate physician or medical facility.
Emergency dental treatment
€350
Expenses for emergency dental treatment are a mandatory covered risk (clause 10.2). The aggregate liability limit is 350 EUR or USD for all events within the policy term.
Medical transport
Covered
Medical transport to an appropriate medical facility is organised and covered by the insurer through the assistance company as part of the mandatory medical expenses clause (10.1).
Medical evacuation and repatriation
Covered
Repatriation costs are covered under the mandatory clause (10.1): the insurer covers transport of the insured from abroad to their permanent residence in Bulgaria or the nearest suitable hospital if adequate treatment cannot be guaranteed nearby.
Repatriation of mortal remains
Covered
Repatriation of mortal remains is covered under the medical expenses and repatriation clause (10.1) of the mandatory coverage.
Search and rescue expenses
Optional
Optional selectable risk (clause 11.1). When an additional premium is paid and this risk is included in the policy, the insurer — through the assistance company — undertakes to pay the usual, pre-approved, actually incurred costs for search, rescue, provision of first aid, and transport carried out by organisations engaged in search-and-rescue operations on land, air, and water (including underwater). No specific monetary limit is published; the limit is agreed per policy.
COVID-19 treatment
Optional
COVID-19 coverage is available as an optional add-on covering medical expenses and quarantine costs related to COVID-19 when selected and included in the policy for an additional premium.
Pre-existing conditions
Excluded
Diseases of any nature pre-existing the conclusion of the insurance contract, as well as recurring diseases, are explicitly excluded from coverage.
Winter sports coverage
Optional
Optional additional coverage for amateur winter sports on designated routes and off-piste areas. Requires separate selection and additional premium payment at the time of policy purchase.
Adventure and extreme sports coverage
Optional
Coverage for amateur extreme sports is available as an optional add-on within the broad range of selectable risks. Specific limits are agreed in the policy.
Pregnancy complications
Excluded
Artificial insemination, infertility treatment, and contraceptive costs are explicitly excluded. Routine pregnancy is not covered; only acute life-threatening complications may qualify under the mandatory medical expenses clause subject to assistance company approval.
Personal liability to third parties
Optional
Optional selectable risk (clause 11.7). When included in the policy, the insurer pays adjudicated sums up to the limit agreed in the policy. Exclusions include liability arising from ownership or use of vehicles, vessels, aircraft, firearms, or real estate, contractual obligations, and professional liability. No specific monetary limit is published; the limit is agreed per policy.
Legal assistance
Optional
Optional selectable risk (clause 11.8 / article 61). The insurer covers actually incurred costs abroad related to the legal defence of the insured, including attorney fees and court costs, if the insured is held liable under the legislation of the relevant country for damages caused to third parties or for unintentional acts or non-compliance with local laws. No specific monetary limit is published; the limit is agreed per policy.
24/7 assistance service
unlimited
Round-the-clock emergency assistance is provided through Coris Bulgaria. The assistance service operates 24/7 in English. Emergency contact number: +359(2) 90 30 114.
Key conditions
Assistance call deadline
In the event of an insured event, the insured must contact the telephone numbers specified in the insurance policy within 24 hours. If the insured has been admitted to a medical facility in a condition making contact practically impossible, they must contact the assistance company or insurer within 24 hours of when their condition allows, but in all cases before leaving the medical facility.
Unauthorized treatment
Costs incurred without the prior approval of the assistance company or the insurer are not covered and will not be reimbursed. The insurer is not obliged to pay compensation for expenses incurred outside the approved treatment plan.
Purchase while abroad
Concluding a policy after the start of travel, when the insured is already abroad, is permitted provided the insured has an existing active policy with Lev Ins and there is no break in coverage and no insured event has already occurred.
Chronic conditions
Diseases of any nature pre-existing the conclusion of the insurance contract, as well as recurring diseases, are explicitly excluded from coverage.
Pregnancy
Artificial insemination, infertility treatment, and contraceptive costs are explicitly excluded. Routine pregnancy is not a covered risk; only acute life-threatening complications may qualify under the mandatory medical expenses clause subject to assistance company approval.
Pre-existing condition exclusions
All diseases of any nature pre-existing the conclusion of the insurance contract are excluded, as are recurring diseases. Treatment undertaken with a therapeutic or consultative purpose prior to the trip is also excluded.
Coverage duration limit
The insurance can be concluded for a period from 1 day to one year. Multitrip policies covering multiple trips within a defined period are also available.
Documents
General Terms and Conditions - Travel Assistance Abroad (code 1801)
terms_and_conditions
Policy specifics
Medical expenses and repatriation
Coverage for medical treatment costs and repatriation in case of accident or acute illness while traveling abroad
SourceWinter sports coverage
Optional additional coverage for amateur winter sports on designated routes and off-piste areas
SourceMultitrip insurance option
Option to purchase multitrip insurance covering multiple trips abroad within a specified period
SourceAge limit up to 85 years
Natural persons up to 85 years of age are eligible for insurance; no medical documents required for persons up to 85
SourceWorldwide coverage except Bulgaria
Insurance is valid worldwide except for the territory of the Republic of Bulgaria; does not cover non-Bulgarian citizens in their country of citizenship
Source24-hour assistance through Coris Bulgaria
Round-the-clock emergency assistance provided through Coris Bulgaria, a proven leader in international assistance services
SourceNo deductible / 100% coverage
The insurance includes 100% coverage with no deductible, meaning all approved expenses are covered in full by the insurer
Source24-hour notification requirement for claims
In case of an insured event, the insured must contact the telephone numbers specified in the insurance policy within 24 hours
SourceSources
- https://bookandgo.bg/obshti-usloviya-na-zastrahovka-pomosht-pri-patuvane-v-chuzhbina_13_19
- https://clavistrend.bg/img/upl/files/O%D0%A3_%D0%9F%D0%BE%D0%BC%D0%BE%D1%89-%D0%BF%D1%80%D0%B2%D1%83%D0%B2%D0%B0%D0%BD%D0%B5.pdf
- https://clavistrend.bg/img/upl/files/O%D0%A3_%D0%9F%D0%BE%D0%BC%D0%BE%D1%89-%D0%BF%D1%80%D0%B8-%D0%BF%D1%8A%D1%82%D1%83%D0%B2%D0%B0%D0%BD%D0%B5.pdf
- https://www.deluxetravelbg.com/zastrahovki/FOR_THE_TRAVEL_ASSISTANCE_ABROAD_INSURANCE
- https://www.lev-ins.com/en/our-products/travel-insurances/travel-abroad/
- https://www.lev-ins.com/en/produkti-za-individualni-klienti/travel-abroad-insurance/10/21
- https://www.verticalworld.eu/pomosht-pri-patuvane.php