Lev Ins
Lev Ins is a travel insurance for the BG market with online purchase and 24/7 assistance.
Direct payment
100% coverage with no deductible – all approved expenses are reimbursed in full by the insurer. Expenses made without prior approval of the assistance company or insurer are not reimbursed.
Geographic scope
worldwide
Valid worldwide except the territory of the Republic of Bulgaria. Does not cover events in the insured country of citizenship for non-Bulgarian citizens.
Unique selling points
- 100% reimbursement of all approved medical expenses abroad with zero deductible – no out-of-pocket co-payment required from the insured.
- Persons up to 85 years of age are insured without requiring any medical documents, one of the highest age limits in the Bulgarian travel insurance market.
- 24/7 multilingual emergency assistance provided through Coris Bulgaria, a dedicated international assistance partner reachable at +359(2) 90 30 114 from anywhere in the world.
- Highly flexible modular coverage: choose one, several, or all optional risk clauses including personal liability, legal assistance, search and rescue, and baggage, and set the insured sum per risk independently.
- Optional multi-trip annual policy available covering unlimited trips abroad within one year with selectable per-trip duration limits of 30, 60, or 90 days.
Coverage limits
Medical expenses
€5,000
Selectable insured sum; common entry-level is 5,000 EUR (e.g. as cited in package tour policies referencing Lev Ins). Higher sums available up to 30,000+ EUR. Persons over 70 capped at 4,000 EUR for acute illness regardless of chosen sum.
Emergency Medical Treatment
€5,000
Covered under the main medical expenses and repatriation risk; no separate sub-limit identified in General Terms beyond overall insured sum.
Hospitalization
—
Covered as part of the overall medical expenses sum; no separate hospitalization sub-limit specified in the General Terms (code 1801).
Outpatient Treatment
—
Covered under the overall medical expenses risk; no separate outpatient sub-limit specified in publicly available General Terms.
Emergency dental
€350
Limit of 350 EUR (or USD) in total for all events within the policy term, as per General Terms code 1801.
Medical transport
—
Covered together with repatriation under the main medical expenses risk up to the chosen insured sum; no separate sub-limit identified.
Medical Evacuation
—
Covered under medical expenses and repatriation risk up to the chosen insured sum; no separate evacuation sub-limit identified in publicly available terms.
Repatriation Of Remains
—
Covered under the medical expenses and repatriation risk; transport of remains to Bulgaria in case of death from accident or acute illness is included, up to the insured sum.
Search & rescue
—
Optional (elective) additional risk under code 1801; limit is not fixed in General Terms and is agreed per policy. Covered only when additional premium is paid.
COVID-19 treatment
—
COVID-19 is covered as an acute illness under the main medical expenses risk. No separate COVID-19 sub-limit found in the Lev Ins code 1801 General Terms; covered within the overall chosen insured sum.
Pre-existing medical conditions
Excluded
Pre-existing medical conditions, defined as any medical condition whether diagnosed or not existing before the insurance effective date, are excluded from coverage. Recurring diseases of any kind prior to the contract are also excluded.
SourceWinter Sports Cover
—
Available as an optional add-on with premium surcharge for amateur winter sports on designated slopes and off-piste. Covered up to the main insured sum; no separate winter sports sub-limit identified.
Adventure Sports Cover
—
Available as an optional add-on with premium surcharge. Extreme/adventure sports are excluded by default and must be specifically added. Covered up to the main insured sum; no separate sub-limit identified.
Pregnancy and childbirth
Excluded
Artificial insemination, treatment of sterility, contraceptive costs, and costs related to pregnancy, childbirth, or abortion are explicitly excluded from coverage.
SourcePersonal liability
—
Optional (elective) additional risk: civil liability for property and non-property damages caused to third parties. Limit is agreed per policy; not fixed in General Terms. Listed as selectable risk under code 1801.
Legal assistance
—
Optional (elective) additional risk under code 1801. Covers attorney fees and court costs incurred abroad if insured is held liable. Limit is agreed per policy; not fixed in General Terms.
24/7 round-the-clock assistance
Covered
24-hour emergency assistance is provided through Coris Bulgaria assistance company, available in English. Insured persons must contact +359(2) 90 30 114 immediately upon occurrence of an insured event abroad and within 24 hours provide the policy number, full name, ID, policy period, location, and event details.
SourceKey conditions
Assistance call deadline
In the event of an insured event, the insured must contact the assistance company phone numbers specified in the policy within 24 hours, providing the policy number, full name, ID number, policy term, location, and detailed information about the event.
Unauthorized treatment
Expenses made without prior approval of the assistance company or the insurer are not covered and will not be reimbursed. Insured persons who seek treatment without notifying the assistance company must pay costs themselves and may submit a reimbursement claim after returning to Bulgaria with supporting documents, provided the risk is included in the policy.
Purchase while abroad
Taking out a policy after the start of the trip, when the insured is already abroad, is permitted only if the person has an existing active policy with ZK Lev Ins, there is no interruption in coverage, and no insured event has already occurred.
Chronic conditions
Diseases of any nature pre-existing the insurance contract, as well as recurring diseases, are excluded from coverage. Emergency treatment of a life-threatening deterioration of a chronic condition may be covered under the general medical expenses provision.
Pregnancy
Pregnancy, childbirth, abortion, artificial insemination, sterility treatment, and contraceptive costs are explicitly excluded from coverage.
pre_existing_conditions
Pre-existing medical conditions are defined as any medical condition whether diagnosed or not existing before the insurance effective date. Such conditions are excluded from coverage. The insured must inform the insurer of any declared pre-existing conditions at policy inception.
coverage_duration_limit
The insurance can be taken out for a period of one day to one year. For multi-trip annual policies, coverage for each individual trip is within a maximum of 30, 60, or 90 days counted from the date of crossing the Bulgarian border on departure to the date of crossing on return.
Where to buy
Policy specifics
Medical expenses and emergency treatment abroad
Coverage for emergency medical treatment, examinations, and hospitalization occurring during travel outside Bulgaria
Emergency medical evacuation and repatriation
Coverage for medical evacuation to home country or nearest appropriate medical facility and repatriation of remains
Emergency dental treatment
Coverage for emergency dental treatment needed due to accident or sudden dental problems
24/7 round-the-clock travel assistance
24-hour emergency assistance hotline available in multiple languages for medical and non-medical emergencies during travel
Age restrictions and requirements
Insurance available for natural persons up to 85 years of age; persons aged 70-85 insured at increased premium
Geographic scope - Domestic travel
Travel Insurance for Bulgaria covers events occurring during tourism, travel, excursions or vacation within the Republic of Bulgaria territory
Geographic scope - International travel
Travel Assistance Abroad insurance valid worldwide, except for territory of Republic of Bulgaria; does not cover events in insured's country of citizenship (for non-Bulgarian citizens)
Claim notification and reporting requirements
Insured must contact assistance line immediately upon occurrence of insured event and provide claim within prescribed timeframe