HEALTH INSURANCE "HEALTH CLUB" FROM BULSTRAD LIFE
Insurance Coverage
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)
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 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
(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 treatment after an accident
- up to 1,200 EUR
Vaccinations
- up to 120 EUR
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
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)
Congenital and hereditary conditions diagnosed post-policy issuance
- up to 40,000 EUR per condition during the policy term
The insurance does not cover
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 COVERAGE
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.Actions in Case of Insurance Event
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!