Reviewed from source documents

Joint Stock Insurance Company OZK-Insurance AD

OZK

OZK is a travel insurance for the Bulgaria market with no online purchase and 24/7 assistance.

Last verified Sep 9, 2026Reviewed by: Boleron EUUnderwritten by: ЗАД "ОЗК-Застраховане" АД (OZK Insurance JSC)
24/7 helpline

Direct payment

The insurer covers expenses and/or pays compensation to the insured upon occurrence of an insurance event within the limits and conditions defined in the insurance policy.

Geographic scope

Worldwide, excluding Bulgaria

Coverage applies to events occurring during travel or stay outside the territory of Bulgaria; for foreign nationals it also excludes the territory of the country of which they are citizens.

Unique selling points

  • 24/7 international assistance is provided through the specialized assistance company CORIS INTERNATIONAL.
  • Travelers can choose among seven medical expense limits, from 2,000 up to 30,000 EUR/USD, to match their needs.
  • A Multitrip annual option covers unlimited trips abroad within a year, with flexible per-trip durations of up to 30, 60, or 90 days.
  • Coverage is available worldwide for both Bulgarian and foreign nationals traveling outside their home country.

Coverage limits

Medical expenses

€2,000 – €30,000

The insured selects a medical expense limit of 2,000, 4,000, 5,000, 10,000, 15,000, 25,000 or 30,000 EUR/USD under the basic Clause A programme; the Multitrip annual variant offers 20,000 or 30,000 EUR/USD per trip.

SourceClause Клауза А

Застрахователната сума / Лимитите за медицинските разходи се избират от Вас и може да бъдат 2 000, 4 000, 5 000, 10 000, 15 000, 25 000 или 30 000 евро/щ.д.

Emergency medical treatment

€2,000 – €30,000

Only in Клауза А

Basic Clause A coverage (minimum required to conclude the policy) includes medical assistance, examinations and treatment.

SourceClause Клауза А

Основно покритие - КЛАУЗА А (минимално изискуемо за сключване на застраховката): медицинска помощ, изследвания и лечение; транспортиране и хоспитализация

Hospitalization

€2,000 – €30,000

Only in Клауза А

Basic Clause A coverage includes hospitalization within the selected medical expenses limit.

SourceClause Клауза А

Основно покритие - КЛАУЗА А (минимално изискуемо за сключване на застраховката): медицинска помощ, изследвания и лечение; транспортиране и хоспитализация

Outpatient treatment

Not established from the reviewed documents

No specific outpatient treatment limit is stated separately from the general medical expenses limit.

Source

Emergency dental care

Not established from the reviewed documents

The sources do not state whether emergency dental care is covered or its limit.

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Medical transportation

€2,000 – €30,000

Only in Клауза А

Basic Clause A coverage includes transportation within the selected medical expenses limit.

SourceClause Клауза А

Основно покритие - КЛАУЗА А (минимално изискуемо за сключване на застраховката): медицинска помощ, изследвания и лечение; транспортиране и хоспитализация

Medical evacuation

Not established from the reviewed documents

The sources do not separately confirm or deny a distinct medical evacuation benefit beyond general transportation.

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Repatriation of remains

Not established from the reviewed documents

The sources do not state whether repatriation of remains is covered or its limit.

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Search and rescue

Not established from the reviewed documents

The sources do not state whether search and rescue costs are covered.

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COVID-19 treatment

Not established from the reviewed documents

The sources do not state a specific COVID-19 treatment limit for this product.

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Pre-existing conditions

Not established from the reviewed documents

The sources for this specific product do not state whether pre-existing conditions are excluded or covered.

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Winter sports cover

Not established from the reviewed documents

The sources do not state whether winter sports are covered.

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Adventure sports cover

Not established from the reviewed documents

The sources do not state whether adventure sports are covered.

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Pregnancy complications

Not established from the reviewed documents

The sources do not state whether pregnancy complications are covered.

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Personal liability

Not established from the reviewed documents

The sources do not state whether personal liability is covered under this product.

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Legal assistance

Not established from the reviewed documents

The sources do not state whether legal assistance is covered under this product.

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24/7 assistance

Covered

No limit stated

The insurer provides the insured with 24-hour assistance through the specialized international assistance company CORIS INTERNATIONAL.

Source

The insurer provides the insured with 24-hour assistance through the specialized international company CORIS INTERNATIONAL.

Key conditions

Assistance call deadline

The insured must contact the Assistance Company and agree in advance on any services that may involve costs before receiving such services.

Source

Coverage duration limit

For the Multitrip annual variant, the maximum duration of each individual trip within the insurance year must be selected as up to 30, 60, or 90 calendar days.

Source

следва да изберете максималния срок за всяко едно пътуване в рамките на застрахователната година - до 30, до 60 или до 90 календарни дни.

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Policy specifics

Emergency transportation

Coverage for emergency transportation by ambulance and medical evacuation

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Coverage limits

Insured may choose limits from EUR/USD 2,000 to EUR/USD 30,000

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Multitrip coverage

Annual policy for multiple trips with maximum duration per trip of 30, 60, or 90 days

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Age requirement

Insured person must be between 1 and 60 years of age

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Territorial exclusion

Coverage is NOT valid within Bulgaria or in the insured's country of residence/citizenship

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Pre-notification of services

Insured must contact assistance company and agree in advance on services that may incur costs

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Chronic disease exclusion

Pre-existing chronic diseases are not covered

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Claims notification period

Insured must notify insurer within 24 hours of insurance event occurrence

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