Reimbursement is the process by which a health insured person is reimbursed for medical services covered by supplemental health insurance.This only applies to costs recognized by the insurer.
What services are refundable?
Additional health insuranceusually covers:
- Examinations by specialists– cardiologists, dermatologists, neurologists, etc.;
- Laboratory studies– blood tests, hormone panels and microbiology;
- Diagnostic procedures– X-ray, ultrasound, MRI and scanners;
- Physiotherapy and rehabilitation– for injuries and chronic conditions;
- Medicines purchased– with a prescription and recommendation from a doctor;
- Hospital stay– under certain conditions.
Each insurance company has a specific list of covered services, limits and exclusions.The conditions are described in the individual health plan.
What are the refund terms?
Insurers usually require:
- The service was performed in a licensed medical facility;
- Documents to be submitted on time (usually up to 30 or 60 days);
- The service was performed after the start date of the insurance;
- The costs are not covered by the NHIF or another insurer.
Important:Not all services are 100% covered by international insurance.Many plans have an annual limit (e.g. BGN 1,000) or a reimbursement rate (e.g. 80%).
What mistakes to avoid?
- Submission of documents outside the deadline;
- Lack of original receipts or invoices;
- Mismatch between the name in the document and the name of the insured;
- Receiving medical assistance in a non-accredited medical facility.
Incomplete or inaccurate documents will result in denial of refund.
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| Какво представлява възстановяване на разходи? | Това е процес, при който застрахованият получава обратно суми за медицински услуги, покрити от допълнителната здравна застраховка. | ||||||||||||||||||||||||||||||||||
| Какви услуги се покриват? | Прегледи, изследвания, диагностика, лекарства, физиотерапия, болничен престой – според условията на плана. | ||||||||||||||||||||||||||||||||||
| Каква е процедурата за заявяване на възстановяването? | Чрез попълнено заявление, фактури, медицински документи – подават се онлайн, по имейл или в офис. | ||||||||||||||||||||||||||||||||||
| Какви условия съществуват? | Здравно заведение с лиценз, спазване на срокове (30–60 дни), валидна застраховка, услуги ... Reimbursement is the process by which a health insured person is reimbursed for medical services covered by supplemental health insurance.This only applies to costs recognized by the insurer. What services are refundable?Additional health insuranceusually covers:
Each insurance company has a specific list of covered services, limits and exclusions.The conditions are described in the individual health plan. What are the refund terms?Insurers usually require:
Important:Not all services are 100% covered by international insurance.Many plans have an annual limit (e.g. BGN 1,000) or a reimbursement rate (e.g. 80%). What mistakes to avoid?
Incomplete or inaccurate documents will result in denial of refund.
Download the app  Download the appReimbursement is the process by which a health insured person is reimbursed for medical services covered by supplemental health insurance.This only applies to costs recognized by the insurer. What services are refundable?Additional health insuranceusually covers:
Each insurance company has a specific list of covered services, limits and exclusions.The conditions are described in the individual health plan. What are the refund terms?Insurers usually require:
Important:Not all services are 100% covered by international insurance.Many plans have an annual limit (e.g. BGN 1,000) or a reimbursement rate (e.g. 80%). What mistakes to avoid?
Incomplete or inaccurate documents will result in denial of refund.
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