Product levels of insurance cover:

The insurance is offered with a fixed sum insured under the basic insurance coverage and is available in two product levels, depending on the sum insured limit for the additional health coverage:

• Silver coverage – total sum insured of up to 1 000 000 EUR;
• Gold coverage – total sum insured of up to 2 000 000 EUR;

Basic cover:

• Death as a result of illness or accident — a fixed sum insured;

Additional health cover*:

• Inpatient Care – inpatient medical treatment; hospital accommodation, including accommodation for a parent accompanying an insured child; surgical procedures, including reconstructive surgery, transplants, and internal prosthetic devices; advanced diagnostic investigations and other related medical services;
• Outpatient Care – medical examinations and consultations, diagnostic tests and procedures, alternative/complementary therapies, home-based care, prescription medications, and other related medical services;
• Emergency treatment, including ambulance services, medical evacuation, repatriation, and tests and treatment for COVID-19;
• Post-hospital recovery treatment — out-patient physiotherapy, external prostheses and assistive devices;
• Oncological treatment — consultations, tests, radiotherapy and chemotherapy;
• Dental care, including following an accident;
• Maternity care — available only under Gold cover;
• Preventive care — available only under Gold cover, with the exception of vaccinations.

* Certain expenses for medical treatment, goods and services, including certain non-medical expenses (e.g., accommodation for a parent accompanying a child under 16 years of age), are covered depending on the selected level of insurance coverage and subject to the applicable sub-limits of the sum insured. A complete description of the insurance coverages and insured amounts is available in the Appendix: Table under Article 5 of the General Terms and Conditions of the insurance policy.

Territorial levels:

The insurance is available with coverage in 4 territorial zones, depending on the needs and preferences of the insured person:

• Europe, including Turkey (with the exception of Liechtenstein, Russia, Switzerland and the United Kingdom), the Mediterranean and Central African countries*;
• Worldwide, with the exception of North America, the Caribbean, Switzerland, Russia, the United Kingdom, China, Hong Kong and Singapore;
• Worldwide, with the exception of the North American continent and the Caribbean**;
• Worldwide (with a maximum stay of 3 months in the USA);

* Central African Countries – Benin, Burkina Faso, Cameroon, Central African Republic, Chad, Comoros, Republic of the Congo, Côte d'Ivoire, Equatorial Guinea, Gabon, Guinea-Bissau, Mali, Niger, Senegal, and Togo.

** Caribbean – Anguilla, Antigua, Aruba, The Bahamas, Barbados, Bermuda, Bonaire, Cayman Islands, Cuba, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Saint Lucia, Saint Martin, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, Virgin Islands, Puerto Rico, Saint Kitts and Nevis, Saba, Saint Barthélemy.

• If you need treatment in Bulgaria, get in touch with the insurer ZEAD Bulstrad Life Vienna Insurance Group EAD;
• If you need treatment abroad, get in touch with Daily Health Insurance Group (DHIG) – the assistance company partnered with your insurer to organise medical services outside Bulgaria;
• You can use the medical services covered by the insurance:
  • Cashless - at a medical facility within the insurer's partner network in Bulgaria, or at a medical facility abroad if it supports this arrangement.;
  • through cost reimbursement - you pay for the medical services provided and/or medicines purchased, then complete and submit the required forms together with supporting documents.
• You can freely choose your doctor and medical facility, but please note that in certain cases, according to Chapter V, Section I of the General Terms and Conditions of the insurance, you need to get prior approval from the Insurer or the Assistance company. Otherwise, you might be denied reimbursement of the expenses or part of them may be your responsibility;
• If you need urgent medical help, call emergency services (dial 112 for Europe and Bulgaria) or go to the nearest emergency medical centre. In such cases, you should inform your insurer or assistance company about what happened within 48 hours.

For medical consultation or treatment in Bulgaria, get in touch with the insurer via:

• The B-Assist mobile app (download it for free from Google Play or the App Store);
• The B-Assist online services portal: https://b-assist.bulstradlife.bg;
• Telephone: 0700 14 144 (according to your operator's tariff plan);
• E-mail: md@bulstradlife.bg