Health insurance

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What is health insurance?

Health insurance is a flexible and innovative product that provides the most appropriate combination of health services and preventive measures. These insurances provide financial protection in the event of an accident and illness, hospital admission, or need for surgery. Quality medical care in every part of the country and freedom to choose a healthcare facility are guaranteed. The insurance can be individual, group/corporate or family.

Why order from us?

We will help you make an informed choice about the insurer that will satisfy your individual needs, work and lifestyle. We will also offer you the most appropriate package of health care services, as well as full assistance in case of need.

Benefits of the health insurance

You receive quality personal service other than standard packages offered by the National Health Fund;
You have the right to access specialists in a timely manner without the need for a referral;
You manage your own money spent on health;
You do not have to pay additional expenses that are not included in the clinical pathways;
You get access to the most advanced medical equipment, to consultations with leading doctors and medical transportation;
You have a 24-hour contact with medical coordinators through the insurer’s call center;
For companies: The health insurance is not only a desirable social benefit for employees. It also helps:

- for early diagnosis of diseases;

- for reducing the risk of chronic disease;

- for reducing the risk of temporary and permanent disability of employees and the absence from work;

- last but not least, the supplementary health insurance also provides tax benefits for legal entities.

Health care packages

Disease prevention and protection - includes basic preventive exams and additional exams for early diseases diagnosis;
Outpatient care - provides primary and follow-up exams and exams at a health care provider selected by the insured person, on an outpatient or home basis;
Hospital care - includes diagnostics, treatment and admission to hospitals and covers the treatment and operations of the insured person;
Health care – provides care to the patient at home and hospital by medical professionals and rehabilitators until his/her full recovery;
Reimbursement of expenses – reimbursement of expenses related to medical services and the purchase of medicines and other medical supplies;
Dental care – includes services related to doctor-prescribed therapeutic, surgical or orthopedic interventions in the oral cavity.

Conclusion and price

The contract period may be one or more years. The coverage of the policy is the territory of the Republic of Bulgaria, except where the package includes the “critical illness” risk - then the territory covered is Europe or the whole world.

The insurance can be paid annually or every month.

The price depends on:

The health package selected: there are basic packages, such as “Hospital treatment”, and additional packages, such as “Prevention”, “Dental treatment”, “Health services for pregnant women”, etc.;
Product level selected: different health packages may contain health care services that are different in scope and volume.

Questuions and Answers

Healthcare products upgrade the services covered by the compulsory health insurance package. The following is guaranteed: higher quality of the provided health services, saving time, quick service, access to all health facilities and medical specialists in the country, the right to examination, hospital admission and treatment without referral and waiting.

Health insurance contributions up to BGN 60 per month per employee, paid by the employer, are treated as non-taxable company expenses according to Article 208 of the Corporate Income Tax Act (CITA).

Some insurers offer health insurance, even if you are not insured or your health insurance rights have been suspended. In most cases, however, this happens under certain conditions, and the amount of the insurance premium paid by the client is higher. However, the health insurance, in cases where you are not insured, is preferable, since the insurance premium you will pay will be significantly lower than the amounts due in case of treatment as a non-insured patient.

The services are used in one of the following ways:

Subscription service – the prevention and treatment of the insured persons in the medical establishments, with which the insurer has a contract, are carried without payment by the insured, because the insurer settles the expenses directly.
Reimbursement of expenses – the insured person may choose to have a medical exam or to undergo treatment in private and public medical establishments with which the insurer has no contract. Then, the person gets the opportunity to recover the expenses incurred by presenting the relevant documents with or without deductible, depending on the package and the insurance company.

These products build on the standard health insurance by providing high quality treatment in prestigious hospitals not only in Bulgaria but also abroad (Europe or worldwide), with high annual limits. A second medical opinion from world-renowned specialists is covered, as is the treatment of malignant and benign tumors, cardiovascular surgeries and organ transplantation. The insurance also includes the organisation and provision of travel abroad for the purpose of treatment, reception and hospitalisation, and daily allowance for hospital stays.