Additional health insurance - adequate and timely medical assistance in Bulgariafrom BGN 42/month (21.47 EUR/month)
Supplementary health insurance (SHI) isvaluable incentiveto the salary and social benefits of the employees and the management team.The main advantagesinclude:
Benefits for insured persons
- Personal health card: serves for identification when receiving medical services.
- Free choice of specialists: no referrals needed.
- Cashless service: direct payment between the insurer and the medical facility.
- Access to additional hospital services: cover expensive research.
- 24/7 Call center: often with trained medical staff.
- Redeem costs for:medicines, doptric glasses and medical supplies.
- Possibility of preventive examinations.
- Dental care option.
Insurers:Unica Life, Bulstrad Life, Generals, Euroins, DZI, etc.
Send an inquiryfor Additional health insurance / Health insurance for Bulgaria!
За да можем максимално бързо да Ви дадем оферта за фирмена здравна застраховка, моля в запитването да посочите: брой и средна възраст на служителите, съотношение мъже/жени, избор на пакети (напр. болнично, извънболнично, лекарства и медицински средства, профилактика и др.) и ЕИК на фирмата.
ЗАПИТВАНЕ ТУК!
Practice shows that most employees appreciate the PPE provided by the employer.Payment options vary, but most often the employer pays the premiums and the employees benefit from the medical services.However, HSE is not a key factor in choosing a job for most applicants.
Sample prices for SDI for a company with up to 10 insured employees: from BGN 42 per person per month
The insurance cover is used in the following ways:
- Subscription cashless service- the client visits a medical facility with which the insurance company has a contract, and the costs of the health services used, which are covered under the terms of the insurance contract, are paid directly to the medical facility by the insurer
- Reimbursement of expenses- the client pays the costs for the health goods and services used in a medical ...
Additional health insurance - adequate and timely medical assistance in Bulgariafrom BGN 42/month (21.47 EUR/month)
Supplementary health insurance (SHI) isvaluable incentiveto the salary and social benefits of the employees and the management team.The main advantagesinclude:
Benefits for insured persons
- Personal health card: serves for identification when receiving medical services.
- Free choice of specialists: no referrals needed.
- Cashless service: direct payment between the insurer and the medical facility.
- Access to additional hospital services: cover expensive research.
- 24/7 Call center: often with trained medical staff.
- Redeem costs for:medicines, doptric glasses and medical supplies.
- Possibility of preventive examinations.
- Dental care option.
Insurers:Unica Life, Bulstrad Life, Generals, Euroins, DZI, etc.
Send an inquiryfor Additional health insurance / Health insurance for Bulgaria!
За да можем максимално бързо да Ви дадем оферта за фирмена здравна застраховка, моля в запитването да посочите: брой и средна възраст на служителите, съотношение мъже/жени, избор на пакети (напр. болнично, извънболнично, лекарства и медицински средства, профилактика и др.) и ЕИК на фирмата.
ЗАПИТВАНЕ ТУК!
Practice shows that most employees appreciate the PPE provided by the employer.Payment options vary, but most often the employer pays the premiums and the employees benefit from the medical services.However, HSE is not a key factor in choosing a job for most applicants.
Sample prices for SDI for a company with up to 10 insured employees: from BGN 42 per person per month
The insurance cover is used in the following ways:
- Subscription cashless service- the client visits a medical facility with which the insurance company has a contract, and the costs of the health services used, which are covered under the terms of the insurance contract, are paid directly to the medical facility by the insurer
- Reimbursement of expenses- the client pays the costs for the health goods and services used in a medical facility of his choice, then submits a claim to the insurer for their reimbursement by attaching the relevant documents.Expenses are reimbursed on invoices up to the full amount of the liability limit specified in the contract
- Expenditure on health goods(medicines, medical supplies, aids), are covered only on the principle of reimbursement
Benefits for those insured by Supplementary Health Insurance
The availability of additional health insurance is an additional incentive to the salary and insurance of employees and management. Here are the distinctive features of this type of insurance.
- Personal health card - with this document, the insured is legitimized in front of medical facilities in order to use medical services
- Free choice of qualified medical specialists without the need for referrals
- Cashless service: direct payment between the insurer and the medical facility
- Use of additional hospital services and expensive tests
- 24/7 Call center often with trained medical staff
- Redemption of medicines, glasses and other consumables
- Possibility of preventive examinations and dental care
Practice shows that the majority of employees are satisfied when the employer provides them with a health insurance.There are different payment options.However, most often the employer pays the insurance premiums and the employees benefit from the medical services.However, for the majority of people, voluntary health insurance is not a key factor in the job search, but rather an afterthought.
Benefits for employers
Corporate clients have long recognized the benefits of employee health insurance.The average cost of insurance isBGN 42 per month (EUR 21.47/month), and benefits include:
- Increased employee loyalty and engagement.
- Improving the corporate imagethrough social benefits.
- De facto increase in remunerationwith the ability to differentiate between managers and employees.
- Time saved– direct access to a specialist without referrals.
- Tax benefitsbyArt.19, para.2 of the ZKPO.
Supplementary health insurance is an investment in the health and motivation of employees.It not only improves the quality of work, but also strengthens the relationship between the employer and the staff.
Benefits for insurance companies
Last but not least are the benefits for insurance companies.Supplementary health insurance allows insurers and intermediaries to differentiate their portfolios and build on existing products to the customer.This enables them to better manage risk and vulnerability to customers and offer products with lower vulnerability.Thus, this normal European practice is gradually entering Bulgaria with confident steps.
Keep in mind that the supplementary health insurance (SHI) clauses do not cover the territory outside Bulgaria.For abroad, it is necessary to conclude another typeInternational medical insuranceorInsurance Travel assistance, orInsurance for multiple trips Multitrip.
DZO (additional voluntary health insurance) in detail
Outpatient treatment
Generally speaking, voluntary health insurance covers examinations with a specialist in a polyclinic (DKC) or medical center. This includes primary and secondary examinations with a doctor of your choice in outpatient and home settings.Clinical research (in a laboratory), treatment and rehabilitation in a medical facility.
Hospital treatment (hospitalization)
This includes diagnosis and treatment of patients in multi-specialty state and municipal hospitals (MBAL), private clinics and specialized hospitals for active treatment (SBAL) for various manipulations and surgical treatment.An Additional insurance naturally builds on the coverage provided by the health fund.It extends services to improving living conditions and covers things like team selection, consumables, expensive implants and more.
Medicines and medical devices
Covering the costs of the insured persons for the purchase of medicines, consumables and aids.These include casts, prostheses, splints, dioptric glasses, etc.
Dental care
This is a frequently desired clause in supplemental health insurance.It covers treatment, surgery and prevention of the teeth and oral cavity.This feather with a higher value because of the high prices of dental services in the country and Europe.
Statistics 2020
In 2020, over 250 thousand people in Bulgaria had additional health insurance.A leading reason for this is that by paying more about BGN 300 (153.37 euros) per year, people save themselves the queues at the DCCs.They do not need referrals from a personal physician and have access to profiled doctors.A major factor here is also the large international companies that conclude such contracts for DZO (supplementary health insurance) for their workers.
Until last year, the main inconvenience was that the service was available primarily to corporate customers –companies with over 50 employees.As of this year, some insurers tend to accept businesses with a smaller volume of employees, including family members.
Insurance companies, offering this health insurance product for companies (DZO) in our country are over 15. Here are some of them: Bulstrad Life, Unica Life, DZI, Euroins, Generali Zakrila, Grupama and others.
| Допълнителното здравно осигуряване покрива | Полицата ДЗО покрива рискове, произтичащи от заболяване или злополука, свързани с финансовото обезпечаване на определени медицински услуги и стоки, и/или изплащане на фиксирани суми като обезщетение |
| Допълнителното здравно осигуряване не покрива | ДЗО не покрива медицинско обслужване извън пределите на страната. За конкретни клаузи и изключения, моля обърнете внимание на условията по полицата си. |
| Предимства на медицинската застраховка за работодателя | Работодателят показва на служителите си, че се грижи за финансовата сигурност на служителите си и повишава имижда си. Данъчни облекчения: Съгласно Закона за Корпоративното Подоходно Облагане (ЗКПО), вноските за здравно застрахователно покритие направени от Работодателя за всеки застрахован служител, в размер до 60 лева месечно, се приспадат от облагаемата печалба на фирмата. |
| Варианти за изплащане на обезщетения по ДЗО | Абонаментно обслужване Здравни услуги и стоки от доставчици, с които застрахователят има сключен договор. Финансовите отношения се уреждат директно между застрахователя и медицинското заведение. Възстановяване на разходи Застрахователят възстановява разходите за здравно обслужване на застрахованите лица от свободно избрани от тях изпълнители на здравни услуги, след предоставяне на необходимите документи |
| Основни покрития и пакети на здравната застраховка | Извънболнично лечение (амбулаторни прегледи) Болнично лечение Медицински средства и лекарства Телемедицина (при някои застрахователни компании) Физиотерапия и рехабилитация Здравни услуги оказвани на бременни И др. като профилактични прегледи |
Frequently asked questions
Does voluntary health insurance cover emergency medical care?
Answer: Emergency medical care in Bulgaria is free and by law is covered by the state.That is why she is not subject to additional health insurance.Emergency medical care (e.g. in private hospitals and clinics) is most often included in the health insurance packages.Is it possible to create a personal insurance program with the supplementary health insurance?
Answer: Most often, companies are insured under the additional health insurance, including the personnel according to a list.In this line of thought, individual insurance programs are not made under the Health Insurance Scheme.The object of the individual requirements are insurances of a higher class, such as the international health insurance.However, there the annual premium is several times higher, as are the coverages and limits.In what terms is the compensation paid under a concluded contract (policy) for voluntary health insurance?
Answer: The term for payment of compensation under a claim is 15 working days from the provision of all documents and the client's bank account.Keep in mind that over 75% of examinations and manipulations are cashless in most medical facilities in our country, and there is no need to wait for reimbursement.Is there an age limit for taking out supplementary health insurance?
Answer: Each insurance company has its own limits or excesses for medical insurance.Therefore, it cannot be answered unambiguously.Most often, there is an increase in the premium upon reaching the age of 65.Does voluntary health insurance cover chronic or pre-existing conditions?
Answer: When the group of insured employees is large, very often pre-existing or chronic illnesses are also covered up to a certain limit.This is a big advantage of DZO over individual health insurances.Often, the insurer is inclined to also cover pregnancy and childbirth costs for larger insurance contracts (eg more than 30 people).Are there deferment periods in the HSO?
Answer: For groups of more than 5 people, most insurance companies do not have grace periods.This means that the coverage comes into effect from the moment the policy is started and the premium is paid by the customer.Otherwise, individual health insurances have a standard 2 month grace period.
Download the app
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Additional health insurance - adequate and timely medical assistance in Bulgariafrom BGN 42/month (21.47 EUR/month)
Supplementary health insurance (SHI) isvaluable incentiveto the salary and social benefits of the employees and the management team.The main advantagesinclude:
Benefits for insured persons
- Personal health card: serves for identification when receiving medical services.
- Free choice of specialists: no referrals needed.
- Cashless service: direct payment between the insurer and the medical facility.
- Access to additional hospital services: cover expensive research.
- 24/7 Call center: often with trained medical staff.
- Redeem costs for:medicines, doptric glasses and medical supplies.
- Possibility of preventive examinations.
- Dental care option.
Insurers:Unica Life, Bulstrad Life, Generals, Euroins, DZI, etc.
Send an inquiryfor Additional health insurance / Health insurance for Bulgaria!
За да можем максимално бързо да Ви дадем оферта за фирмена здравна застраховка, моля в запитването да посочите: брой и средна възраст на служителите, съотношение мъже/жени, избор на пакети (напр. болнично, извънболнично, лекарства и медицински средства, профилактика и др.) и ЕИК на фирмата.
ЗАПИТВАНЕ ТУК!
Practice shows that most employees appreciate the PPE provided by the employer.Payment options vary, but most often the employer pays the premiums and the employees benefit from the medical services.However, HSE is not a key factor in choosing a job for most applicants.
Sample prices for SDI for a company with up to 10 insured employees: from BGN 42 per person per month
The insurance cover is used in the following ways:
- Subscription cashless service- the client visits a medical facility with which the insurance company has a contract, and the costs of the health services used, which are covered under the terms of the insurance contract, are paid directly to the medical facility by the insurer
- Reimbursement of expenses- the client pays the costs for the health goods and services used in a medical ...
Additional health insurance - adequate and timely medical assistance in Bulgariafrom BGN 42/month (21.47 EUR/month)
Supplementary health insurance (SHI) isvaluable incentiveto the salary and social benefits of the employees and the management team.The main advantagesinclude:
Benefits for insured persons
- Personal health card: serves for identification when receiving medical services.
- Free choice of specialists: no referrals needed.
- Cashless service: direct payment between the insurer and the medical facility.
- Access to additional hospital services: cover expensive research.
- 24/7 Call center: often with trained medical staff.
- Redeem costs for:medicines, doptric glasses and medical supplies.
- Possibility of preventive examinations.
- Dental care option.
Insurers:Unica Life, Bulstrad Life, Generals, Euroins, DZI, etc.
Send an inquiryfor Additional health insurance / Health insurance for Bulgaria!
За да можем максимално бързо да Ви дадем оферта за фирмена здравна застраховка, моля в запитването да посочите: брой и средна възраст на служителите, съотношение мъже/жени, избор на пакети (напр. болнично, извънболнично, лекарства и медицински средства, профилактика и др.) и ЕИК на фирмата.
ЗАПИТВАНЕ ТУК!
Practice shows that most employees appreciate the PPE provided by the employer.Payment options vary, but most often the employer pays the premiums and the employees benefit from the medical services.However, HSE is not a key factor in choosing a job for most applicants.
Sample prices for SDI for a company with up to 10 insured employees: from BGN 42 per person per month
The insurance cover is used in the following ways:
- Subscription cashless service- the client visits a medical facility with which the insurance company has a contract, and the costs of the health services used, which are covered under the terms of the insurance contract, are paid directly to the medical facility by the insurer
- Reimbursement of expenses- the client pays the costs for the health goods and services used in a medical facility of his choice, then submits a claim to the insurer for their reimbursement by attaching the relevant documents.Expenses are reimbursed on invoices up to the full amount of the liability limit specified in the contract
- Expenditure on health goods(medicines, medical supplies, aids), are covered only on the principle of reimbursement
Benefits for those insured by Supplementary Health Insurance
The availability of additional health insurance is an additional incentive to the salary and insurance of employees and management. Here are the distinctive features of this type of insurance.
- Personal health card - with this document, the insured is legitimized in front of medical facilities in order to use medical services
- Free choice of qualified medical specialists without the need for referrals
- Cashless service: direct payment between the insurer and the medical facility
- Use of additional hospital services and expensive tests
- 24/7 Call center often with trained medical staff
- Redemption of medicines, glasses and other consumables
- Possibility of preventive examinations and dental care
Practice shows that the majority of employees are satisfied when the employer provides them with a health insurance.There are different payment options.However, most often the employer pays the insurance premiums and the employees benefit from the medical services.However, for the majority of people, voluntary health insurance is not a key factor in the job search, but rather an afterthought.
Benefits for employers
Corporate clients have long recognized the benefits of employee health insurance.The average cost of insurance isBGN 42 per month (EUR 21.47/month), and benefits include:
- Increased employee loyalty and engagement.
- Improving the corporate imagethrough social benefits.
- De facto increase in remunerationwith the ability to differentiate between managers and employees.
- Time saved– direct access to a specialist without referrals.
- Tax benefitsbyArt.19, para.2 of the ZKPO.
Supplementary health insurance is an investment in the health and motivation of employees.It not only improves the quality of work, but also strengthens the relationship between the employer and the staff.
Benefits for insurance companies
Last but not least are the benefits for insurance companies.Supplementary health insurance allows insurers and intermediaries to differentiate their portfolios and build on existing products to the customer.This enables them to better manage risk and vulnerability to customers and offer products with lower vulnerability.Thus, this normal European practice is gradually entering Bulgaria with confident steps.
Keep in mind that the supplementary health insurance (SHI) clauses do not cover the territory outside Bulgaria.For abroad, it is necessary to conclude another typeInternational medical insuranceorInsurance Travel assistance, orInsurance for multiple trips Multitrip.
DZO (additional voluntary health insurance) in detail
Outpatient treatment
Generally speaking, voluntary health insurance covers examinations with a specialist in a polyclinic (DKC) or medical center. This includes primary and secondary examinations with a doctor of your choice in outpatient and home settings.Clinical research (in a laboratory), treatment and rehabilitation in a medical facility.
Hospital treatment (hospitalization)
This includes diagnosis and treatment of patients in multi-specialty state and municipal hospitals (MBAL), private clinics and specialized hospitals for active treatment (SBAL) for various manipulations and surgical treatment.An Additional insurance naturally builds on the coverage provided by the health fund.It extends services to improving living conditions and covers things like team selection, consumables, expensive implants and more.
Medicines and medical devices
Covering the costs of the insured persons for the purchase of medicines, consumables and aids.These include casts, prostheses, splints, dioptric glasses, etc.
Dental care
This is a frequently desired clause in supplemental health insurance.It covers treatment, surgery and prevention of the teeth and oral cavity.This feather with a higher value because of the high prices of dental services in the country and Europe.
Statistics 2020
In 2020, over 250 thousand people in Bulgaria had additional health insurance.A leading reason for this is that by paying more about BGN 300 (153.37 euros) per year, people save themselves the queues at the DCCs.They do not need referrals from a personal physician and have access to profiled doctors.A major factor here is also the large international companies that conclude such contracts for DZO (supplementary health insurance) for their workers.
Until last year, the main inconvenience was that the service was available primarily to corporate customers –companies with over 50 employees.As of this year, some insurers tend to accept businesses with a smaller volume of employees, including family members.
Insurance companies, offering this health insurance product for companies (DZO) in our country are over 15. Here are some of them: Bulstrad Life, Unica Life, DZI, Euroins, Generali Zakrila, Grupama and others.
| Допълнителното здравно осигуряване покрива | Полицата ДЗО покрива рискове, произтичащи от заболяване или злополука, свързани с финансовото обезпечаване на определени медицински услуги и стоки, и/или изплащане на фиксирани суми като обезщетение |
| Допълнителното здравно осигуряване не покрива | ДЗО не покрива медицинско обслужване извън пределите на страната. За конкретни клаузи и изключения, моля обърнете внимание на условията по полицата си. |
| Предимства на медицинската застраховка за работодателя | Работодателят показва на служителите си, че се грижи за финансовата сигурност на служителите си и повишава имижда си. Данъчни облекчения: Съгласно Закона за Корпоративното Подоходно Облагане (ЗКПО), вноските за здравно застрахователно покритие направени от Работодателя за всеки застрахован служител, в размер до 60 лева месечно, се приспадат от облагаемата печалба на фирмата. |
| Варианти за изплащане на обезщетения по ДЗО | Абонаментно обслужване Здравни услуги и стоки от доставчици, с които застрахователят има сключен договор. Финансовите отношения се уреждат директно между застрахователя и медицинското заведение. Възстановяване на разходи Застрахователят възстановява разходите за здравно обслужване на застрахованите лица от свободно избрани от тях изпълнители на здравни услуги, след предоставяне на необходимите документи |
| Основни покрития и пакети на здравната застраховка | Извънболнично лечение (амбулаторни прегледи) Болнично лечение Медицински средства и лекарства Телемедицина (при някои застрахователни компании) Физиотерапия и рехабилитация Здравни услуги оказвани на бременни И др. като профилактични прегледи |
Frequently asked questions
Does voluntary health insurance cover emergency medical care?
Answer: Emergency medical care in Bulgaria is free and by law is covered by the state.That is why she is not subject to additional health insurance.Emergency medical care (e.g. in private hospitals and clinics) is most often included in the health insurance packages.Is it possible to create a personal insurance program with the supplementary health insurance?
Answer: Most often, companies are insured under the additional health insurance, including the personnel according to a list.In this line of thought, individual insurance programs are not made under the Health Insurance Scheme.The object of the individual requirements are insurances of a higher class, such as the international health insurance.However, there the annual premium is several times higher, as are the coverages and limits.In what terms is the compensation paid under a concluded contract (policy) for voluntary health insurance?
Answer: The term for payment of compensation under a claim is 15 working days from the provision of all documents and the client's bank account.Keep in mind that over 75% of examinations and manipulations are cashless in most medical facilities in our country, and there is no need to wait for reimbursement.Is there an age limit for taking out supplementary health insurance?
Answer: Each insurance company has its own limits or excesses for medical insurance.Therefore, it cannot be answered unambiguously.Most often, there is an increase in the premium upon reaching the age of 65.Does voluntary health insurance cover chronic or pre-existing conditions?
Answer: When the group of insured employees is large, very often pre-existing or chronic illnesses are also covered up to a certain limit.This is a big advantage of DZO over individual health insurances.Often, the insurer is inclined to also cover pregnancy and childbirth costs for larger insurance contracts (eg more than 30 people).Are there deferment periods in the HSO?
Answer: For groups of more than 5 people, most insurance companies do not have grace periods.This means that the coverage comes into effect from the moment the policy is started and the premium is paid by the customer.Otherwise, individual health insurances have a standard 2 month grace period.
