Insurance for foreigners

Insurance for foreigners staying short-term or long-term in Bulgaria.According to Bulgarian legislation, every foreign citizen in order to apply for a long-term residence permit must have a valid mandatory health insurance for foreigners with a coverage limit of 30,000 euros.Pursuant to Resolution of the Ministry of Justice No. 80 of 2005, amended and supplemented in the State Gazette.No. 51 of 07/05/2011, those wishing to have this mandatory insurance are foreigners transiting or staying in our country between 90 and 365 days.

Coveringsof health insurance for foreigners

By regulation, this insurance covers medical expenses:

• for an examination by a specialist or general practitioner at the polyclinic
• in case of hospital stay as a result of an accident and illness
• for emergency dental treatment
• for urgent medical transport by ambulance

Mandatory health insurance for foreigners is taken out by most insurance companies in Bulgaria upon presentation of a foreigner's personal passport or card.Some of the companies already work with an assisting company and offer cashless service in certain clinics and hospitals in larger cities and resorts.

The price of the insurance is determined by the term of the policy, the age and the profession of the insured. There are also price increases for amateur or professional sports.

Voluntaryinsurance for foreigners

Most Bulgarian insurers also offer voluntary insurance for foreigners.With it, the limits of compensation for medical expenses are lower. They can also be concluded for a shorter period of time, depending on the client's needs. This insurance once again covers the costs incurred for treatment and hospital stay of foreign citizens.Also covered are costs for emergency medical care, costs incurred for outpatient and inpatient medical care, as well as costs for emergency dental care.

This voluntary health insurance is suitable for foreigners residing in Bulgaria for a long stay.It will cover all urgent medical needs in the country until the patient is stabilized.However, another product is suitable for full health coverage: international health insurance or voluntary health insurance.

Medicinskand insurance for foreigners residing in the Republic of Bulgaria is an insurance product that has been developed in accordance with the Ordinance on general conditions.This includes the minimum insurance amount, the minimum insurance premium and the procedure for concluding mandatory medical insurance for all foreigners who reside short-term or long-term in the Republic of Bulgaria.Also those who transit through our country.

Insurance is mandatory for foreign citizens residing short-term or long-term in the Republic of Bulgaria.

Who can be insured?

Insured are individual or group foreign natural persons who reside short-term or long-term in the Republic of Bulgaria, or who pass through our country in transit.

Is the insurance coverage only for Bulgaria?

The insurance is intended only for the territory of the Republic of Bulgaria.

What does the insurance cover?

This type of insurance covers all necessary medical expenses incurred during the validity of the concluded insurance contract on the territory of the Republic of Bulgaria.

Thesecosts include:

• Costs for medical treatment
• Expenses for necessary medical transportation
• Expenses for emergency dental treatment
• Repatriation following an accident or acute illness

Thisinsurance has no age limit.

Restrictions are related to any congenital anomalies.Also with various types of cosmetic and plastic surgery.The list also includes chronic diseases that were present even before the conclusion of the insurance.

Theretreatment restrictions and control examinations that are not urgent and urgent.

Situations resulting from a natural disaster, use of narcotics, alcohol and narcotic substances, activities associated with high risk or non-compliance with certain medical recommendations.

Where is insurance taken out for foreigners residing on the territory of Bulgaria?

Insurance for foreigners residing in the Republic of Bulgaria or transiting can be made at selected insurance companies that offer it.By contacting larger insurance companies, you can get detailed information about this type of insurance.

How muchis the insurance compensation for insurance for foreigners on the territory of our country?

The insurance amount under the insurance of a foreigner residing or transiting through the territory of the Republic of Bulgaria for one person is BGN 60,000.

To emphasize again, it is determined according to the Ordinance on the general conditions.These general conditions include the  minimum insurance amount, the minimum insurance premium and the procedure for concluding the mandatory medical insurance for foreigners who reside short-term or long-term in the Republic of Bulgaria or pass through the country in transit.

Медицинската застраховка за чужденци покрива	Полицата покрива медицински разходи, извършени от застрахования или лечебното заведение при акутно заболяване или злополука, възникнали на територията на Република България, а именно: Разходи за медицинско лечение; Разходи за медицинско транспортиране; Разходи за спешно дентално лечение
Медицинската застраховка за чужденци не окрива	Здравни услуги, потребността от които е възникнала вследствие на минали заболявания; лечение и болничен престой при съществуващи хронични заболяваниятрансплантация на органи, тъкани и клеткипланови неврохирургични, кардиологични и очни операцииин витро процедуриимунизации и др.
Териториална валидност	Медицинската застраховка за чужденци пребиваващи в България важи само на териорията на страната
Застрахователна сума на полицата	Стандартната застрахователна сума за тази застраховка, съгласно Наредба е 60 000 лв.
Застраховка за виза или продължително пребиваване в България	Този тип здравна застраховка е задължителна при кандидатстване за виза, както и за разрешително за продължително пребиваване у нас.

Frequently Asked Questions

What does the Medical Insurance for Foreigners cover?

Answer: The Medical Insurance for foreigners residing in the Republic of Bulgaria covers the costs of urgent and emergency medical care in case of illness or accident, any necessary transport costs for accommodation and relocation of the Insured, as well as costs for emergency dental care.

What are the differences between the Medical Insurance for Foreigners and the Additional Healthinsurance?

Answer: Medical insurance for foreigners is mandatory when residing in Bulgaria, and health insurance (insurance)is voluntary.This insurance only covers emergency and urgent situations, while DZO is a comprehensive insurance product.The purpose of this insurance is to cover the costs of stabilizing the patient and bringing him out of an emergency.

What are the limitations of the Medical Insurance for foreigners?

Answer: This insurance does not cover cases arising from sports competitions, general crimes, fights, as well as excessive use of alcohol or drugs.

When the Medical Insurance does not applyforeigners?

Answer: The insurance does not apply in most standard situations: participation in a military conflict, rebellion, military coup, strike, terrorism.Also, the insurance does not apply to damage caused by earthquakes, emergency and disaster situations and nuclear accidents.