Bulgaria Insurance

Health Care Smart

Bulgaria Insurance


About the product

Health Care Smart is a private health insurance that enables you to plan your personal health expenses and make quality healthcare more accessible. When you need an examination by a specialist, and you cannot get a Referral for Consultation from your GP, Health Care Smart will provide you with easy access to the needed doctor or specialist. The insurance covers too the prescribed medical or diagnostic tests that are not included under the NHIF (National Health Insurance Fund) coverage. When you need to stay in hospital, we will reimburse the medical costs incurred during your hospital treatment not covered by the clinical pathway, such as choice of a doctor specialist/surgical team, consumables, user charges, etc.

Your Coverage and Benefits

  • In-patient treatment
  • Outpatient treatment
  • Reimbursement of expenses for prescribed drugs and medicines
  • Psychological counselling© - confidential psychological telephone counselling when you need it
  • Hello, Doc© - our support line available via phone or email with company's medical experts to answer any questions concerning your health issues-Outpatient treatment


  • Treatment provided in a timely manner for solving any health problem
  • A cost-effective tool for upgrading medical care and services that are not covered by the NHIF
  • Comprehensive cover, a near-perfect answer to all your medical needs.
  • Direct payment settlement in the medical facilities, part of Bulgaria Insurance’s network
  • Option to add family members to your policy – spouse or partner, children or parents
  • Insurance coverage consistent with your specific demands and needs
  • Simplified and clear claims handling process

For your convenience

  • Personal health card to access the medical facilities, part of Bulgaria Insurance’s network throughout the country   
  • «Digital health card» in your smartphone - wherever you are and you don`t need a plastic anymore
  • Providing healthcare services without waiting periods and deductibles, on a subscription basis or reimbursement of expenses
  • Assistance and coordination through our Customer Service Center at +359 (0) 700 13 555
  • Quick introduction guide about the ways of getting the most out of your health insurance, information about the selected benefits&limits as well as the required documents for reimbursement of expenses.

Get a free online quote through the inquiry form bellow or to better understand if the health insurance plan is right for your needs, contact us at health@bulgariainsurance.bg for a free consultation to help answer your questions.

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