"ACCIDENT" INSURANCE
Insurance and Reinsurance Company "DZI - General insurance" Plc. offers big risk coverage in case of handicap or death and reimburses expenses induced by a general or work ACCIDENT in the following cases:
- Death;
- Temporary or long-term handicap;
- Medical expenses;
- Transportation to the address of residence;
- Expenses for the transportation of a dead body and/or funeral;
- Rescue expenses;
Loss of personal luggage at an accident incurred to the Insured.
"ILLNESS" INSURANCE
Insurance and Reinsurance Company "DZI - General insurance" Plc. offers insurance protection in case of ILLNESS by paying damages or reimbursing medical expenses supported in fact, as follows:
- Medical expenses and medications for a pre-hospital and hospital stay, money for hospital stay etc.;
- Diagnosis of extremely heavy diseases;
- Temporary handicap due to a general or acute disease;
- Long-term handicap due to a professional disease.
"COMPLEX" TOURIST INSURANCE
The Insurance can be made by all owners/users of tourist places/hotels on the territory of the Republic of Bulgaria as Insurers.
Object of the Insurance are the property and non-property interests of all Bulgarian and foreign physical persons - guests of the tourist place/hotel (Coverage I) and/or hiring equipment and tools, property of or held by the tourist place/hotel (Coverage II).
What risks covers the insurance?
"Hotel" coverage - for people descended in the tourist places/hotels.
The insurance coverage for this group of people is partitioned into three sections:
Section "A"
- Death by accident;
- Loss of one or more limbs, one or two eyes, long-term handicap due to an accident;
- Medical expenses induced by an accident or acute disease;
- Transportation to the address of residence following an accident or acute disease;
Section "B"
- theft through burglary of personal luggage or
- armed robbery of luggage such as personal belongings and objects brought for the stay as well as acquired in Bulgaria.
Section "C" - civil responsibility of the Insured for damages to third party* (body injuries and material damages to third party).
Coverage "Ticket " - for persons hiring equipment and tools, property of or held by the tourist place/hotel, as well as for visitors of theme parks, exhibition and conference halls, theatre and cinema halls:
For this group of people, the coverage is after Section "A":
- Death by accident;
- Loss of one or more limbs, one or two eyes, long-term handicap due to an accident;
- Medical expenses induced by an accident or acute disease;
- Transportation to the address of residence following an accident or acute disease.
SECTION "A" - ACCIDENT
At Death by accident - the contracted insurance amount is being paid to the legal heirs of the Insured.
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At Loss of one or more limbs, one or two eyes, long-term handicap due to an accident - a percentage of the contracted insurance amount, equal to the percentage of long-term handicap, is being paid to the Insured.
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Medical expenses induced by an accident or acute disease - the really sustained expenses by invoice for treatment, surgery intervention, X-ray and laboratory examinations, transportation to and from the hospital are being reimbursed within the contracted limit.
- Transportation to the address of residence following an accident or acute disease - the really sustained expenses are being reimbursed within the contracted limit.
SECTION "B" - THEFT
Theft through burglary or armed robbery of personal luggage from the hotel where the Insured has descended
Personal luggage are being considered personal belongings and objects brought for the stay as well as acquired in Bulgaria.
The amount of the damages to be paid is to be determined within the liability limits and after taking into consideration the contracted franchises on the base of:
- presented documents about the real value of the belongings to the date of the insurance event or
- upon evaluation accorded between the Insurer and the Insured
SECTION "C"
Civil responsibility of the Insured for damages to third party - the Insurer's liability is up to the real amount of the damages but not more than the contracted liability limits. The Insurer pays insurance damages within the liability limits after receiving a written claim on the base of:
- out of the court agreement between the sides of the insurance contract and the injured third party, respectively his legal heirs;
- entered in vigour court decisions against the Insured.
How to receive recompense?
At occurring of insurance event, the Insured must immediately and not later than 24 hours inform the administration of the tourist place/hotel and the respective departments of the Insurer.
It is necessary to require special documents from the authorised authorities to prove the insurance event and the reasons for its happening (a Police protocol).
At the happening of insurance events with foreign citizens Insurance and Reinsurance Company "DZI - General insurance" Plc. sends an insurance damage for long-term handicap within 24 hours after a claim from the Insurer. Insurance damages are paid personally to the Insured in the nearest branch of Insurance and Reinsurance Company "DZI - General insurance" Plc.
