Complex Medical Care

A group health insurance, concluded by legal entities (Employers) to the benefit of employees with an option to add employees’ family members
Priority access with an individual Health Card to over 250 specialized healthcare establishments and medical centers in Bulgaria
Reimbursement of treatment expenses, incurred at any healthcare establishment in Bulgaria
An opportunity for flexible choice of insurance coverage options, offered in a standard or in a luxury package
DZI vouchers guaranteeing free online consultations with a doctor through the platform Healee
Option to directly book an appointment for an examination with over 1,000 doctors from over 40 specialties working with DZI through the platform SuperDoc.bg

Insured period	1 year
Sum Insured	From BGN 2000 up to BGN 25 000
Age limits	From the age of 1 up to 70 years
Insurance type	Group insurance, over 10 persons
Territorial coverage	Across Bulgaria

Inpatient care	Includes diagnostics and treatment in clinics and hospital wards
Outpatient care	Includes primary and follow-up examinations and tests by a selected medical specialist in outpatient settings

Disease Prevention	Provides for early detection of an illness and its timely treatment
Dental care	Covers examinations and tests related to dental disease
Medicines	Expenses for purchased medicines for home treatment are reimbursed
Reimbursement of expenses for sanatorium treatment	Reimbursement of re-treatment costs after hospital stay in specialized hospitals for rehabilitation and sanatorium treatment
"Extra Care" Package	Reimbursement of expenses for: Nursing and health care services for acute illness or surgery Manipulations at home after a hospital stay associated with an acute illness or surgery Accompanee during a hospital stay
Telemedicine / Second medical opinion	Covers confirmation or modification of an initial diagnosis and treatment recommendations made by physicians in US hospitals. 24 life-threatening medical conditions are covered.

Insurance policy conclusion

Group contracts for medical insurance are concluded on the basis of a filled-in proposal, a list of Insurees and personal health declarations and with the issuance of an insurance contract

For groups of over 30 persons, it is admissible to conclude an insurance contract without providing personal health declarations

Use of healthcare services

On a subscription principle - without the Insurees’ paying for the services used in the partner network of healthcare establishments. The Insurees provide the coordinating physician with a valid individual Health Card
On a cost reimbursement principle - upon use of services at a freely chosen medical care provider