• Covers a medical opinion on your state of health, together with a recommendation for follow-up treatment, for all diagnosed medical conditions, with the exception of acute and emergency conditions;
• Provided by leading medical centres located outside Bulgaria, on the basis of medical documents relating to tests carried out and the initial diagnosis made in Bulgaria.

• Provides one digital health consultation during each 12-month period through a dedicated online portal, where the Beneficiary completes a questionnaire required for the assessment of their health condition and the preparation of health prevention recommendations.

Insurance payouts are determined by the Insurers on a case-by-case basis and, depending on the covered risk that has occurred, cover the outstanding loan balance or a corresponding number of monthly loan instalments, up to a set amount (limit). The prescribed limits on the sum insured and the number of payments per risk, including per insured event, depend on the insurance package chosen.

The insurance serves as security for the consumer loan granted; the beneficiary is therefore Postbank or the relevant lender as at the date on which the insured event occurs.

The beneficiary of the "Second Medical Opinion" and "Health Prevention Program" services is the insured borrower.

The amount of the insurance premium payable and the way it is paid (monthly or as a one-off payment) depend on the insurance package and are determined according to the amount and term of the consumer loan granted, or according to the amount of the monthly loan instalment. A one-off or monthly fee is payable for the "Second Medical Opinion" and "Health Prevention Program" services, in the amount set out in the General Terms and Conditions of the services.

If you have an insurance policy with Cardif Bulgaria and an insured event occurs:

Step 1: Contact the Cardif Bulgaria Contact Center at +359 2 4915 970 or visit the Cardif Bulgaria office at 29A Hristo Belchev Street, Entrance A, Floor 1, Sofia, and report the event, providing the staff with complete and detailed information.

Step 2: Complete a written Notice of Insurance Event and prepare all documents requested by the Cardif Bulgaria representatives. Information regarding this step can be found on the Cardif Bulgaria website: http://www.bnpparibascardif.bg or through the contact telephone numbers.

Step 3: Submit the documents to Cardif Bulgaria using whichever method is most convenient for you:

• By courier;
• By registered mail via Bulgarian Posts (with acknowledgment of receipt);
• In person at the Cardif Bulgaria office.

Cardif Bulgaria will:

• Register your insurance claim and assess the information and documentation submitted;
• Contact you using the telephone number and/or address provided for correspondence if any additional documents or clarifications are required;
• Make a decision regarding your claim and notify you in writing or by SMS within 15 days of receiving all required information.

If you have any questions regarding your claim, you may contact the Cardif Bulgaria Contact Center or the Customer Service Center representatives on any business day from 9:00 a.m. to 5:30 p.m. at +359 2 4915 970, or send an inquiry to cardifbulgaria@cardif.com.

You may use the "Second Medical Opinion" service at any time if you have been diagnosed with a medical condition and would like to obtain an independent assessment of your health condition and the treatment prescribed.

Step 1: Contact Coris Bulgaria Ltd., the assistance company of MediGuide International, by phone at 00800 210 0020, by email at operations@coris.bg, or at 1A Yakov Kraikov Street, 1606 Sofia, and provide the representatives with complete and detailed information. They will discuss with you how you can access the service.

Step 2: Complete and submit the required documents authorizing access to your medical information and personal data, as well as copies of all medical documentation related to the initial diagnosis and any accompanying medical records (with the assistance of your physician, if necessary).

Step 3: Through its assistance company, MediGuide will offer you a choice of three medical centers selected in accordance with your medical condition, from which you may obtain a Second Medical Opinion.

Step 4: Select your preferred medical center and inform the assistance company of your choice.

Step 5: Within 10 business days after receipt of all required medical documents, you will receive a written report regarding your diagnosis, together with a proposed detailed treatment plan.

To use the "Health Prevention Program", you must register on the dedicated online portal created for the program and complete a questionnaire required for the assessment of your health condition. The completed questionnaire is reviewed and analyzed by certified physicians, after which you will receive an evaluation and recommendations regarding your health. If you wish, your health assessment may also be shared electronically with your personal physician.