Insurance HEALTH CLUB

International health insurance with coverage of up to 1,000,000 euros for Europe and Turkey, covering treatment costs in case of illness or accident, suitable for both individuals and companies seeking to protect their employees.

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1,000,000 €
LIMIT FOR TREATMENT
NO MEDICAL EXAMINATION

HEALTH INSURANCE "HEALTH CLUB" FROM BULSTRAD LIFE

Bulstrad Life Vienna Insurance Group JSC is a member of the Vienna Insurance Group – a leading insurance group in Austria and in Central and Eastern Europe, with nearly 200 years of experience in the insurance business

Insurance Coverage

HOSPITALIZATION

Accommodation and meal expenses during hospitalization
- up to policy limit: 1,000,000 EUR

Medical treatment expenses during hospitalization
- up to policy limit: 1,000,000 EUR

Accommodation for a parent of an insured child under 16 years
- 115 EUR per night (up to 30 nights)

Reconstructive surgery
- up to policy limit: 1,000,000 EUR

Internal prosthetic devices and aids
- up to policy limit: 1,000,000 EUR

Transplantation of kidneys, heart, lung, heart-lung, liver, bone marrow, and stem cells
- up to 110,000 EUR

Daily allowance for hospitalization
- 115 EUR per night (up to 20 nights)

POST-HOSPITALIZATION CARE

Physiotherapy prescribed by a doctor after hospitalization
- up to 20 sessions

External prosthetics and aids required after hospitalization, day treatment, or accident and emergency treatment
- up to 900 EUR

ONCOLOGICAL TREATMENT

Oncological treatment including consultations, tests, radiotherapy, chemotherapy, and home medication post-discharge
- up to policy limit: 1,000,000 EUR

Expenses for wig/hairpiece if needed after cancer treatment
- up to 900 EUR

OUTPATIENT CARE

(excluding oncological and dental treatments)

Treatments and consultations by private doctors and outpatient clinics
- up to 2,300 EUR

Physiotherapy prescribed by a physiotherapist
- up to 10 sessions

Alternative/complementary medical practices
- 40 EUR per session (up to 10 sessions)

Rehabilitative speech therapy
- up to 5,750 EUR (50% co-payment)

DENTAL CARE

Dental treatment after an accident
- up to 1,200 EUR

PREVENTIVE CARE

Vaccinations
- up to 120 EUR

EMERGENCY TREATMENT

Local ambulance transportation
- up to policy limit: 1,000,000 EUR

Emergency medical evacuation for acute conditions if suitable care cannot be arranged locally
- up to policy limit: 1,000,000 EUR

Repatriation or local burial
- up to 16,500 EUR

Emergency treatment outside the main coverage area
- up to 110,000 EUR (30 days)

COVID-19 tests and treatment
- Up to category-specific limits, not exceeding 200,000 EUR

COVERED RISKS WITH WAITING PERIOD

The waiting period is a period during which the insurer does not cover certain risks related to illnesses that often arise before the insurance is concluded.

Inpatient treatment in a psychiatric clinic or ward
- up to 30 nights (coverage effective 11 months after policy issuance)

Chronic conditions including consultations, inpatient and outpatient treatment, and medications (excluding malignant tumors, congenital and hereditary conditions)
- up to 3,500 EUR (coverage effective 11 months after policy issuance)

HIV/AIDS: Consultations, treatment, and medications for inpatient and outpatient treatment
- up to 16,500 EUR for the policy term, including all renewals (coverage effective 22 months after policy issuance)

Basic restorative dental treatment
- up to 600 EUR with 20% co-payment (coverage effective 6 months after policy issuance)

LIMITATIONS AND THRESHOLDS FOR CERTAIN MEDICAL CONDITIONS OR EVENTS

Congenital and hereditary conditions diagnosed post-policy issuance
- up to 40,000 EUR per condition during the policy term

Palliative care for terminal illnesses and hospice care;

Rehabilitation course in a rehabilitation center immediately after inpatient treatment;

Hormone replacement therapy for oncological disease, when not related to menopause;

Home care for the patient;

Psychiatric outpatient consultations and prescribed medications;

Normal pregnancy and childbirth;

Complicated pregnancy and childbirth;

Care for a newborn within 14 (fourteen) days from the date of birth;

Health screening for adults;

Events not specifically described in the appendix with covered risks and not included in one of the coverage levels described in the same appendix;

Expenses not supported by medical documents, invoice, receipt, and stickers;

Insurance events involving persons beyond the age limits of the contract;

Risks not included in the silver-level coverage package in the General Terms.

Excluded risks are exhaustively listed in the applicable General Terms.

Territorial Scope: Europe (Zone 4)

List of countries in Europe Zone 4:

Albania; Algeria; Andorra; Armenia; Austria; Azerbaijan; Belgium; Belarus; Bosnia and Herzegovina; Bulgaria; Croatia; Cyprus; Czech Republic; Denmark along with the Faroe Islands (excluding Greenland); Egypt; Estonia; Finland; France (excluding overseas territories); Georgia; Germany; Greece; Hungary; Ireland; Iceland; Italy; Jordan; Kazakhstan; Kosovo; Latvia; Lithuania; Libya; Luxembourg; North Macedonia; Malta; Morocco (excluding Western Sahara, occupied by Morocco); Moldova; Monaco; Montenegro; Netherlands; Norway; Poland; Portugal along with Madeira and the Azores; Romania; San Marino; Sweden; Serbia; Slovakia; Slovenia; Spain including the Canary Islands, Balearic Islands, Ceuta and Melilla; Tunisia; Turkey; Ukraine; Vatican; Benin; Burkina Faso; Cameroon; Central African Republic; Chad; Comoros; Republic of the Congo; Ivory Coast; Equatorial Guinea; Gabon; Guinea-Bissau; Mali; Niger; Senegal; Togo.

Excluded Countries:

Liechtenstein; Russia; Switzerland and the United Kingdom; Syria; Lebanon; Israel and Central African countries; Greenland; Western Sahara, occupied by Morocco; overseas territories of France.

IN CASE OF EMERGENCY MEDICAL ASSISTANCE IN BULGARIA OR ABROAD

You are obliged to inform the insurer about the incident within 48 hours.

  • In Bulgaria, call: 070014144
  • Abroad, call: +1 833 992 1333

IF YOU NEED TREATMENT OR MEDICAL CONSULTATION IN BULGARIA

Option 1:

  • Call: 070014144
  • Inform the operator that you have health insurance from the Health Club, mention your name and policy number.
  • Describe your treatment needs and request cashless service, so that the insurer covers the costs directly to the medical facility.

IF YOU NEED TREATMENT OR MEDICAL CONSULTATION IN BULGARIA

Option 2: (For treatment costing over 500 EUR)

  • Fill in the pre-approval and payment form according to the insurer's template. This should be done at least 5 calendar days before the planned date of the medical event requiring pre-approval. Submit the application through the portal b-assist.bulstradlife.bg
  • You can also schedule a medical examination and request reimbursement of medical expenses online at the same website or via the B-Assist mobile app.
  • Important: If you do not seek pre-approval, the insurer has the right to cover only 75% of the treatment costs!

IF YOU NEED TREATMENT OR MEDICAL CONSULTATION ABROAD

Option 1:

  • Fill out a request for pre-approval and payment for treatment according to the insurer's template. This must be done at least 5 calendar days before the planned date of the medical event. Submit the application through the portal b-assist.bulstradlife.bg

Option 2:

  • If you need assistance or instructions, please call +18339921333
  • This number is for the Daily Health Insurance Group (DHIG), the company that, in conjunction with VIG (owner of Bulstrad Life), developed this health insurance and provides customer service worldwide in English, 24/7.
  • Important: If you do not seek pre-approval, the insurer has the right to cover only 75% of the treatment costs!

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