Travel Assistance
HDI Zastrahovane AD offers its clients a Travel Insurance with assistance, provided by the assisting company CORIS.
Subject of the insurance
Under this insurance the Insurer shall cover costs and pay out amounts based on the cover and the limits of liability selected by the Insured for events occurred while travelling or during the stay of the Insured abroad. CORIS is an assisting company, which shall take care of the organization and payment of the treatment and/or repatriation of the Insured, in compliance with the conditions and the limits of cover, as specified in the insurance policy.
Insured persons
- Bulgarian citizens for the period of their stay abroad.
- Foreign citizens while travelling to a country different than their home country or to a country they are residents of.
The insurance shall be concluded with persons from 3 months to 65 years of age.
The Insurance may be concluded with persons from 65 to 75 years of age, as well as with persons with disability of up to 50%, upon the Insurer’s assessment and after payment of double insurance premium.
Covered risks
Basic cover – accident and/or acute disease
The liability of the Insurer upon occurrence of accident and/or acute disease shall include:
- Providing non-stop information about medical doctors, dentists, hospitals, pharmacies, etc. in case of needed emergency care.
- Covering costs of emergency medical aid, including treatment as prescribed by a medical doctor for emergency cases. The Insurer’s liability shall be up to the limit specified in the policy and shall include costs of medical, pharmaceutical, hospital and surgical services, urgent laboratory and X-ray tests, ambulance fee and/or fee for escorting medical professional, for a period of not more than 15 (fifteen) days for acute disease and 30 (thirty) days for accident.
- Costs of emergency dental care only as a result of an accident.
- Repatriation of the Insured (if the original ticket is not valid for this purpose), when following certain treatment and upon a medical professional’s assessment, the health status of the Insured makes this possible.
- Repatriation in case of death of the Insured to the Insured’s place of residence.
Additional cover
Death as a result of an accident, permanent disability as a result of an accident, rescue costs, emergency dental care, daily allowances for hospital stay, theft of personal baggage, expenses for funeral abroad in case of death as a result of an accident or acute disease, juridical help, theft of documents or bank cards, delivery of messages, expenses related to cancelled travel.
Conclusion, еffect and term of the insurance contract
The insurance contract shall be concluded in the form of a policy to be signed by both the Insurer and the Insured. At the option of additional cover „Costs related with the cancelled travel” the insurance contract is to be concluded not later than 30 days before the departure date. The insurance shall be concluded for one person and/or his/her family members. In cases of insuring an organized group of people, a list of the Insured shall be enclosed to the policy, being an integral part of it. Тhe insurance shall be concluded for the term, specified in the policy, and shall come in effect from 00.00 ч. on the day, specified in the policy, provided that the insurance premium has been paid.
“Multitrip” policies
The insurance is designated for Bulgarian citizens, who are frequently travelling to foreign countries. The policy shall be issued to one person only. The length of stay abroad shall be verified by the stamps in the travel passport of the Insured or by other documents, when the Insured travels in the member countries of the EU using personal identity card. The days of departure and arrival in the Republic of Bulgaria shall be included in the relevant stay of 31 days (Multitrip 1) or 62 days (Multitrip 2) or 93 days (Multitrip 3).
- Multitrip 1 – the stay abroad for each trip does not exceed 31 calendar days, from the date of crossing the border of the Republic of Bulgaria, until the date of crossing back the border at the arrival.
- Multitrip 2 - the stay abroad for each trip does not exceed 62 calendar days, from the date of crossing the border of the Republic of Bulgaria, until the date of crossing back the border at the arrival.
- Multitrip 3 – the stay abroad for each trip does not exceed 93 calendar days, from the date of crossing the border of Republic of Bulgaria, until the date of crossing back the border at the arrival.
Territorial Scope
The insurance shall be valid according to the territorial scope selected by the Insured, as follows:
- Europe and the Republic of Turkey.
- Worldwide.
Sum insured
The sum insured is in EUR or USD and is determined by the choice of the Insuring person and depending on the chosen territorial range of validity of the insurance.
Insurance premium
The insurance premium shall be calculated on the basis of the selected cover, the sum insured, the insurance term and the territorial scope of the insurance contract.
Actions of the Insured upon occurrence of an insurance event
Upon occurrence of an insurance event the Insured, its relative, trustee or medical professional shall immediately contact for help and assistance the closest non-stop center of the assisting company CORIS or the non-stop operative center of CORIS in Sofia, referring to the telephones specified in the policy. The assisting company will take care of the organization and payment of treatment and/or repatriation of the Insured.
In case of insured event occurrence under the additional cover the Insured and its lawful heirs are obliged to inform ASAP the Insurer, but not later than 3 (three) months from the date of occurrence of the insured event and to present to the Insurer the necessary required documents.
Insurance indemnity
The insurance indemnity payable to the Insured for every insurance event may not exceed the sum insured stated in the policy or in the General conditions. When signing “Multitrip” policies, the liability of the Insurer is up to the limits of the policy. The indemnity regarding events within the Additional cover is paid only once within the period of insurance.
