Additional health insurance when traveling abroad covers the cost of medical care outside the country.It is highly recommended, even for short trips.Insurers offer different plans according to the destination, duration and activities during the stay.

Why is additional travel health insurance important?

The national health system usually has no coverage outside the country's borders.Withoutadditional insurance, treatment costs can reach thousands of euros.In some countries, even an ambulance is paid on the spot.

Example:Hospitalization in the US costs an average of $2,600 per day.In Japan — about $1,100.In Switzerland – over 1,200 CHF.

What does supplementary travel health insurance cover?

Usual coverage includes:

Emergency medical care and hospitalization;
Repatriation to the homeland if necessary;
Transport to hospital;
Dental services in case of accidents;
Accidental death;
Telemedicine or remote consultation.

здравно осигуряване при пътуване допълнително

Does it matter where you travel?

Yes.The insurance premium and coverage depend on the travel area:

Coverage area	Average daily premium	Peculiarities:
EU	€0.80 – €2.00	It is also valid with EHIC, but with restrictions.
Worldwide (excluding US)	€1.50 – €3.00	Good coverage at lower risk.
Worldwide (incl. USA)	€3.00 – €6.00	High cost of treatment, most expensive.

European Health Insurance Card (EHIC) vs.supplementary health insurance

The EHIC only covers services in public hospitals in the EU.Does not include:

Private clinics;
Repatriation;
Medical transport;
Costs outside the scope of the local health system.

Additional insurance provides full coverage and includes reimbursement in the event of unforeseen circumstances.

How to choose the right insurance?

Consider the following factors when choosinginternational insurance:

Duration of the trip– more than 30 days requires special policies;
Purpose of the trip– business, tourism, extreme sports;
Healthy state– chronic diseases require additional travel health insurance;
Destination– risky countries have a higher premium.

допълнително осигуряване при пътуване здравно

What are the exclusions from coverage?

Most insurancesdo not cover:

Treatment for pre-existing disease without prior application;
Alcohol or drug accidents;
Treatment of mental disorders;
Aesthetic procedures or cosmetic operations;
Participation in dangerous sports without an additional clause.

What is important to do before traveling?

Review the policy and coverage limits;
Bring a copy of the contract and emergency contact number;
Check if pre-registration is required for certain services;
Notify the insurer in the event of an accidentwithin 24 hours.

Supplementary health insurance when traveling abroad: what you need to know?

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