Bulgaria Insurance

Health Without Borders

Bulgaria Insurance


About the product

Health without Borders - our International Health Plans, are developed for both individual and corporate clients and available to Bulgarian citizens and foreigners permanently residing in Bulgaria.

We know from experience that if life throws you an unexpected challenge, little things can mean a lot. So when it comes to your health, at Bulgaria Insurance we believe that a swift diagnosis and prompt access to treatment matters most to our customers - along with genuine help, support and understanding from people who care. That’s why we can provide access to high-quality medical services from a wide range of healthcare providers.

The International Health Plans have been developed in partnership with AXA PPP healthcare Limited, the reinsurer, and are available with three levels of cover depending on the territorial scope and the overall limits. They provide coverage ranging from 500,000 to 2,5 million euros per year and include a wide range of hospital and outpatient treatment cost.

Your Benefits

In-patient and daycare treatment

  • Daily accommodation charges
  • Surgeons’ and Anaesthetists’ charges
  • Parent accommodation
  • Cash benefit
  • In-patient direct billing

Out-patient treatment

  • Medical practitioner charges, consultations, diagnostic procedures
  • Diagnostic tests such as MRI, CT, PET scanning, colon/gastroscopy, angiography
  • Physiotherapy
  • Prescription drugs and dressings
  • Alternative courses of chiropractic treatment, acupuncture, homeopathy and osteopathy
  • Nursing-at-home
  • Routine dental (a 50% co-payment is applicable to this benefit)

Other Benefits

  • Oncology treatment including Radiotherapy/Chemotherapy
  • Road ambulance transport when medically necessary
  • Out-patient psychiatric treatment
  • Chronic Illnesses (available after 12 months of membership)
  • Pregnancy and delivery, including complications (available after 12 consecutive months membership for Plan A and 24 consecutive months for Plan B or Plan C)

What You Need To Do Before You Have Treatment

Call us before having treatment

You must telephone our Health Insurance Department when planning any of the following:

- In-patient or daycare treatment in Bulgaria or abroad (this is treatment for which you are admitted to a hospital or clinic even if only for a few hours);

- The following diagnostic tests must be pre-approved by us whether taken on an in-patient, daycare or out-patient basis:

  • An MRI scan
  • A CT scan
  • PET scans
  • Gastroscopy
  • Colonoscopy
  • Angiography.

We will confirm your level of cover and how it applies to the hospital in which you are to receive treatment. If the treatment is given as an emergency, then you may not be able to contact us beforehand. Do, however, ask somebody to contact us as soon as possible and make sure that, when you are admitted to hospital, the hospital is given your membership details and proof of identity so that they can contact us straight away.   

Other than for the diagnostic procedures indicated above, you do not need to contact us before receiving out-patient treatment, but we  encourage you to do so.   

What You Need To Do When You Want To Make a Claim  

When you want to make a claim let us know and we will send you a claim form, or you can download this from here. You must make sure it is filled in, signed by yourself, the medical practitioner or specialist treating you and sent back to us as quickly as possible, giving us all the information, we request and accompanied by detailed invoices and proof of payment.   

The claim form must be submitted within 90 days of the start date of the treatment along with all original and numbered receipts/invoices - as per the policy membership agreement. Claims will not be considered if not submitted within 90 days of treatment being received.


  • Quick access to treatment anywhere in the world
  • International Emergency Medical Assistance worldwide, 24 hours a day, 365 days a year providing evacuation or repatriation services
  • Option to transfer the insurance policy if you leave Bulgaria 

    Global access to the care you need   

    For our existing/current customers

    Being a customer with a Health without Borders plan, you can benefit from direct access to  more than 11 000 healthcare providers from the AXA PPP healthcare Limited and Bulgaria Insurance partner network, including the most reputable hospitals and clinics in Bulgaria, Europe and worldwide.   

    IMPORTANT: In view of the latest epidemic situation in the world related to Coronavirus disease (COVID-19) outbreak,  please find up to date information about how to use the medical services during the COVID 19 pandemic being a ‘Health Without Borders’ member here

    Bulgaria Insurance



    Access to AXA Select medical network


    You can find more information on Health without Borders plans available and to access all the necessary documents here

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