Medical insurance for foreigners staying in Bulgaria for a short or long period of time. According to the Bulgarian legislation, to obtain a long-term residence permit, every foreign citizen must have a valid medical insurance for foreigners with a coverage limit of 30,000 euros. According to Decree of the Council of Ministers № 80 of 2005, amended and supplemented in the State Gazette. No. 51 of 05.07.2011, claiming this compulsory insurance are foreigners passing in transit or staying in Bulgaria between 90 and 365 days.
Phone number for information: 0896 340 304
Medical insurance coverage for foreigners
According to an ordinance, this insurance covers medical expenses for:
- Specialist medical examination or general practitioner in a polyclinic
- Hospital stay as a result of an accident and illness
- Emergency dental treatment
- Emergency medical transport by ambulance
Compulsory health insurance for foreigners is taken out by most insurance companies in Bulgaria against presentation of an identity card or card of a foreigner. Some of the companies are already working with an assistance company and offer cashless services 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 price increases for amateur or professional athletes.
Voluntary insurance for foreigners
Most Bulgarian insurers also offer voluntary insurance for foreigners. It has lower limits of compensation for medical expenses. They can also be taken out for a shorter period of time depending on the client’s need. This insurance covers the expenses incurred for treatment and hospital stay of foreign citizens. Expenses for provided emergency medical care, expenses incurred for outpatient and inpatient medical care, as well as expenses for emergency dental care are also covered.
This voluntary health insurance is suitable for foreigners who reside in Bulgaria for a long period of time. It will cover all urgent medical needs in the country until the patient is stabilized. However, another product is suitable for complete health coverage: international health insurance or voluntary health insurance.
What is the medical insurance for foreigners residing in Bulgaria?
The medical insurance for foreigners residing in the Republic of Bulgaria is an insurance product that has been developed in accordance with the General Terms and Conditions Ordinance. This includes the minimum insurance amount, the minimum insurance premium and the procedure for concluding compulsory medical insurance for all foreigners who reside in the Republic of Bulgaria for a short or long period of time. Also those that pass in transit through our country.
The insurance is obligatory for the foreign citizens, staying for a short or long period in the Republic of Bulgaria.
Who can be insured?
Individuals or groups of foreign citizens who reside for a short or long time in the Republic of Bulgaria or who transit through our country are insured.
Is the insurance coverage only for Bulgaria?
The insurance is intended only for the territory of the Republic of Bulgaria.
What does the insurance covers?
This type of insurance covers all necessary medical expenses incurred during the validity of the insurance contract concluded on the territory of the Republic of Bulgaria.
These expenses include:
- Expenses for medical treatment
- Expenses for necessary medical transportation
- Expenses for emergency dental treatment
- Repatriation as a result of an accident or acute illness
This insurance has no age limit.
The restrictions are related to some congenital anomalies. Also with different types of cosmetic and plastic surgeries. The list also includes chronic diseases that were present before the insurance was taken out.
There are restrictions on treatment and check-ups that are not urgent .
Situations due to a natural disaster, use of narcotics, alcohol and drugs, activities involving high risk or non-compliance with certain medical recommendations.
Where is the insurance for foreigners residing on the territory of Bulgaria taken out?
Insurance for foreigners residing in the Republic of Bulgaria or transiting can be made in a selected insurance company that offers it. When contacting larger insurance companies you can get detailed information about this type of insurance.
What is the insurance indemnity in case of insurance for foreigners on the territory of our country?
The insurance amount for insurance of a foreigner residing or transiting through the territory of the Republic of Bulgaria for one person amounts to BGN 60,000.
Again, it is determined in accordance with the Ordinance on General Terms and Conditions. These general conditions include the minimum sum insured, the minimum insurance premium and the procedure for concluding the compulsory medical insurance of foreigners who reside in the Republic of Bulgaria for a short or long period of time or pass through the country in transit.