Accident, combined with medical expenses for foreign citizens residing for a short time, travelling across, or in transit through the territory of the Republic of Bulgaria.

Under these Special Terms, based on an insurance contract signed with the individual specified in the insurance policy as the Insuring party and upon payment of an insurance premium, the Insurer provides insurance protection to foreign citizens, hereinafter referred to as Insured individuals, according to the Regulation on the General Terms, the minimum insurance amount, minimum insurance premium, and procedures for contracting the mandatory medical insurance of foreigners residing for a short or long period of time in the Republic of Bulgaria, or passing in transit through the country.

Subject to insurance under the mandatory medical insurance are the expenses for treatment and hospitalization of foreigners residing for a short or long period of time in the Republic of Bulgaria, or passing in transit through it for the duration of their stay in the country.

The insurance contract for foreigners residing for a short time in the Republic of Bulgaria or passing in transit through the country cannot be executed for a term longer than 90 days.

The insurance contract for foreigners residing for a long time in the Republic of Bulgaria cannot be executed for a term longer than one year.

The insurance coverage is valid only on the territory of the Republic of Bulgaria – from a border post of entry to a border post of exit upon leaving the territory of the country.

RISKS COVERED AND AMOUNT OF THE COMPENSATION

The Insurer reimburses the Insured or pays directly to the medical institution the actual medical expenses for emergency medical assistance in case of a sudden, unexpected, unpredictable ailment, disease, or accident which has occurred during the term of the insurance contract, up to the limit of the insurance amount specified in the policy.

The insurance amount is contracted by the parties and cannot be less than the minimum insurance amount specified by legislation.

The total amount of all payments for each of the risks covered cannot exceed the contracted insurance amount specified in the policy or in these Special Terms.

The insurance premium is determined according to the fee schedule of the Insurer, which is effective as of the day of signing of the insurance, but it cannot be less than the minimum insurance premium specified by legislation, and it is paid in a single installment upon signing of the policy.