UNIQA pure
UNIQA pure is a travel insurance for the BG market with online purchase and 24/7 assistance.
Direct payment
The insurer, through the Assistance company, directs the insured to a suitable healthcare institution, arranges transportation to the hospital when necessary, and pays the actually incurred medical costs directly within the agreed policy limit. If the insured pays medical costs themselves, they must notify the insurer within 7 working days after returning to their country of residence.
Geographic scope
international
Valid for the territory specified in the policy, except the country of permanent residence of the insured. Coverage is not provided for trips to Republic of Ukraine, Russian Federation and Republic of Belarus.
Unique selling points
- 24/7 emergency assistance hotline (+359 2 903 01 10) with coordinated direct payment to healthcare providers abroad, so the insured does not need to pay out-of-pocket and seek reimbursement.
- All travel insurance packages include COVID-19 medical expenses and medical transportation/repatriation coverage by default, at no additional cost.
- Fully online purchase and claims process available via bg.uniqa-pure.com, with instant policy issuance and online claims reporting at any time.
- Flexible multi-trip subscription model allows customers to pause or cancel coverage after 6 months, and to change territorial coverage and package tier each month as travel needs evolve.
- Coverage for extreme and adventure sports (including winter sports outside marked slopes, diving, bungee jumping, and professional sports) can be added as an explicit policy endorsement, giving active travellers tailored protection not included in standard policies.
Coverage limits
Medical expenses
€5,000 – €100,000
Emergency medical treatment
Covered
Emergency medical treatment including examinations, treatment, surgical intervention, and medicaments for acute illness or accident is included in the main coverage. Treatment of chronic or pre-existing conditions is excluded, except emergency aid to bring the insured out of a life-threatening condition.
SourceHospitalization costs
Covered
Hospitalization costs are covered as part of urgent medical expenses due to acute illness or accident, within the agreed policy limit. Costs incurred for personal comfort during hospitalization are excluded.
SourceOutpatient treatment
Covered
Outpatient medical examinations and treatment are covered under urgent medical expenses for acute illness or accident. Control examinations, treatment or medical care that are not emergency medical aid are excluded.
SourceEmergency dental treatment
Covered
Dental treatment for handling an acute sudden pain suffered by the insured, only when required as a result of an accident, pulpitis, abscess or tooth extraction covered under the policy. Limit of liability is up to 300 EUR per insured person.
SourceMedical transportation and repatriation
Covered
Covers transportation of the insured or the insured's remains from the country of the accident or acute illness or the healthcare institution which performed the treatment, to the country of the insured's permanent residence. Included in the main coverage and also covers COVID-19 related medical transportation. Sum insured is determined by the policyholder's choice.
SourceMedical evacuation
Covered
Transportation costs for transporting the insured to the nearest or any other hospital for the purpose of providing emergency medical care are included in urgent medical expenses. This includes evacuation costs as part of the main coverage.
SourceRepatriation of remains
Covered
Transportation of the insured's remains from the country of the accident or acute illness or the healthcare institution that performed the treatment to the country of the insured's permanent residence is included in the main coverage under medical transportation and repatriation.
SourceRescue expenses
Optional
Optional additional cover. Covers costs incurred for search, rescue, primary medical care and transportation to a healthcare institution by organizations involved in search and/or rescue of an insured person. Available against payment of additional premium.
SourceCOVID-19 medical coverage
Covered
All packages include COVID-19 coverage for Medical Expenses and Medical Transportation and Repatriation. Note: trip cancellation and trip interruption costs related to COVID-19 are not covered. Note that the General Terms and Conditions (clause 21.25) exclude expenses for treatment of pandemic diseases declared by the WHO; however, the official product marketing explicitly states COVID-19 medical expenses and medical transportation are included in all packages.
SourcePre-existing conditions
Conditional
Treatment of chronic or recurrent diseases or conditions pre-existing before inception of policy is excluded. However, in case of a suddenly occurred crisis resulting from pre-existing diseases and accidents, emergency medical aid to bring the insured out of a life-threatening condition is covered, as well as medical transportation and/or repatriation of mortal remains to the country of permanent residence.
SourceWinter sports coverage
Optional
Winter sports off marked ski slopes and in freeride zones are excluded from the base policy. Coverage for winter sports and other extreme amateur sports is available only when the risk is explicitly written in the insurance policy and additional premium is paid.
SourceAdventure and extreme sports coverage
Optional
Practicing professional and extreme amateur sports of any kind (parachuting, bungee jumping, alpinism, trekking above 4,000m, hang gliding, paragliding, rock climbing, mountain biking, diving, surfing, water skiing, rafting, caving, hunting, ATV/UTV driving, paintballing, competitions, etc.) is excluded from the base policy. Coverage is available only when explicitly written in the policy and additional premium is paid.
SourcePregnancy and childbirth complications
Conditional
Pregnancy, childbirth, and abortion are excluded, except in the cases of a life-threatening condition. Sterility, change of gender, and sexually transmitted diseases are also excluded.
SourcePersonal liability
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Legal assistance
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24/7 Assistance
Covered
24/7 emergency hotline is provided at +359 (2) 903 01 10. The Assistance company coordinates medical help, directs the insured to suitable healthcare institutions, arranges medical transportation, and handles claims coordination at any time of day or night.
SourceKey conditions
Assistance call deadline
The insured or their representative must notify the Assistance company within 24 hours of the occurrence of the insured event. If the insured was admitted to the healthcare facility in a life-threatening condition, the Assistance company must be informed before leaving the medical establishment. If medical expenses were paid by the insured themselves, the insurer must be notified within 7 working days after returning to the country of residence.
Unauthorized treatment
If the insured refuses to comply with any of the instructions given by the Assistance company or treating physician, the insurer shall not be liable and all subsequent medical and other costs incurred after the date of the refusal shall be borne by the insured.
Purchase while abroad
The insurance contract can only be concluded before the start date of the trip. Online travel insurance cannot be concluded if the insured is already abroad. The policy becomes effective from 00:00h on the date specified as the start of the trip.
Chronic conditions
Treatment of chronic or recurrent diseases or conditions pre-existing before inception of policy is excluded. However, in case of a suddenly occurred crisis resulting from pre-existing diseases and accidents, emergency medical aid to bring the insured out of a life-threatening condition is covered, as well as medical transportation and/or repatriation of mortal remains to the country of permanent residence.
Pregnancy
Pregnancy, childbirth and abortion are excluded from coverage, except in cases of a life-threatening condition. Sterility, change of gender, and sexually transmitted diseases are also excluded.
pre_existing_conditions
Treatment of chronic or recurrent diseases or conditions pre-existing before inception of policy is excluded. Emergency aid for life-threatening crises arising from pre-existing conditions is covered, as well as medical transportation and repatriation.
coverage_duration_limit
For single trip insurance, the policy is concluded for the period of the trip. For multi-trip (multitrip) insurance, the policy is contracted for one year with coverage per trip up to 31, 62 or 92 days maximum duration. Online travel insurance cannot be concluded if the insured is older than 70 years on the start date of the trip.
Where to buy
Policy specifics
Trip cancellation protection
Optional additional cover available for costs of cancelled trips
COVID-19 medical coverage
Medical expenses and medical transportation related to COVID-19 are included in all packages
Geographic coverage exclusions
Coverage is not provided for trips to specific countries including Ukraine, Russian Federation, and Belarus
Maximum age for online purchase
Online travel insurance cannot be concluded if you are older than 70 years on trip start date
Multi-trip minimum commitment period
Multi-trip insurance requires minimum 6 months of coverage before cancellation or pause
Pandemic exclusion vs. COVID-19 medical inclusion
The General Terms and Conditions clause 21.25 excludes expenses for treatment of diseases declared as pandemic by the WHO. However, the official product marketing explicitly states that all packages include COVID-19 coverage for medical expenses and medical transportation and repatriation. Trip cancellation due to COVID-19 remains excluded.