According to the legislation of Bulgaria, every foreign citizen arriving on its territory is obliged to have a health insurance policy. EU citizens do not need to buy separate insurance, as their national policies are valid throughout the EU. But citizens of Russia, Ukraine, Kazakhstan and Belarus need to enter the territory of Bulgaria Take out an insurance policy. According to the rules, insurance can be issued by both foreign and Bulgarian insurance companies. Also, it must meet the following requirements: – According to EU standards, the amount of insurance coverage for a medical policy must be at least 30 thousand euros or 60 thousand Bulgarian leva – The insurance must be valid on the territory of Bulgaria or the EU.

Some features of insurance in Bulgaria

If you purchase an insurance policy from a Bulgarian company, then you need to know some local nuances. Insurances can have different degrees of coverage. A standard insurance policy (the most inexpensive) usually reimburses the cost of medical care in case of accidents and acute illnesses. If you have chronic diseases, we advise you to purchase more expensive insurance that will cover the cost of their treatment in case of an exacerbation. Often, our fellow citizens who are not familiar with health insurance in Bulgaria think that even standard insurance covers the cost of treating any diseases. This is not true.

The following are not insured events:

– Chronic diseases – hypertension, endocrine, neuropathological diseases, cardiovascular diseases, etc.; – Psychiatric and psychological care; – Gynecology and obstetric care; – Accidents caused by the fault of the insured person (heat stroke, frostbite); – Deterioration of health as a result of self-medication.

Insured persons can receive compensation in the following cases:

– Unforeseen accident (falls, accidents, etc.); – A sharp deterioration in health not associated with chronic diseases; In this case, the insurance company will pay for all medical services, medicines, transportation and nursing services (if necessary). Before payment, insurance companies carefully check all documentation and contact the attending physician for information. Only contact legal and accredited medical professionals. Make sure that all documents are made without making mistakes in order to receive insurance compensation in full.

What to do if an insured event occurs?

If an accident or sudden illness occurs, you can call an ambulance (in Bulgaria – ruler) or go to an official hospital. If the treatment will take place in a hospital, it is necessary to give the insurance policy to the attending physician so that he contacts the insurance company and discusses the details of the treatment and its payment. If you were just at the doctor's appointment, then he must write you an outpatient sheet, an invoice and a cash receipt. Also, the doctor can give a referral for an examination in the laboratory or a prescription for the purchase of medicines in a pharmacy, from where you also need to take receipts confirming payment. All received documents must be kept. By the way, many insurance companies enter into direct contracts with hospitals. And if you call the insurer in case of an insured event, then you can immediately be sent to the hospital, where the doctor's appointment and other medical procedures will be free. In any case, you or your relatives must inform the insurer about the occurrence of an insured event by phone or e-mail, providing passport data, policy number, description of the disease and medical care.

In order to receive a payment, you must provide the following documents to the insurance company:

– Application for payment; – Insurance policy – copy; – Passport (as well as personal card – if any) – copy; – Birth certificate (if the insured person is not more than 14 years old); – Bank details of the account where the payment will be made; – Outpatient list, doctor's prescription and test results; – Cash receipts and invoices confirming payment for medical services.

Cost of an insurance policy

The average cost of a standard insurance policy for one year ranges from 70 to 150 euros. For this cost, a middle-aged person will be able to buy annual insurance with a maximum coverage amount of 30 thousand euros. It is also worth remembering that for the elderly, insurance can cost 2-3 times more. Insurance can also cost 20-30% more for children under 10 years old.

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