Health insurance

Why is it necessary?
HEALTH INSURANCE IS NECESSARY as it covers damages related to an individual’s most valuable asset – his health. In Bulgaria, health payments may be done using two methods – compulsory and voluntary.WE MAKE PAY COMPULSORY HEALTH CONTRIBUTIONS as per the Republic of Bulgaria’s legislation. Visits at the family doctor and the receipt of medical referrals for examinations, as well as hospitalizations are covered by the National Health Insurance Fund (NHIF) using mandatory health insurance. Some of it is paid by the employee and the rest – by the employer under an employment contract.WE PAY VOLUNTARY HEALTH CONTRIBUTIONS, if we conclude a health insurance. Before the most recent changes in legislation, this option was called “Voluntary health insurance”. The service’s new name is “Health insurance”.

What does it consist of?
HEALTH INSURANCE CONSISTS OF the voluntary private use of medical service packages. These packages differ with different insurance companies. They depend on the type and degree of coverage, price, quality, etc.

What does it cover?
HEALTH INSURANCE COVERS RISKS deriving of an illness or accident, suffered by the insured party, related to the financial assurance of certain health services and goods which are outside the range of the compulsory health insurance. Thanks to this insurance, financial assurance is received for the time of hospitalization in a licensed medical institution.

Who concludes it?
HEALTH INSURANCE CAN BE CONCLUDED BY any person in the Republic of Bulgaria, as well as by a group of persons.

What are the advantages?
THE CONCLUSION OF HEALTH INSURANCE GUARANTEES high quality health services and fast administrative attendance – better than that of the NHIF. The use of health insurance does not repeal the obligation to pay health insurance to the NHIF.

HEALTH INSURANCE ALSO GUARANTEES:Depending on the selected package of services, the insured party may have access to all medical institutions and medical specialists in the country.Depending on the selected package of services, the insured party receives testing and treatment without a medical referral from his personal doctor, without waiting and without the limitations of clinical pathways;Privilege at the doctor’s cabinet;Lapse of patient and other fees;Diagnosis and reception into a medical institution (depending on the selected package of medical services);Depending on the selected package of services – a free choice when using specialized medical assistance, without a referral from a general practice doctor, at all medical institutions and specialists.

What are the types of medical insurance?
THERE ARE TWO TYPES OF MEDICAL INSURANCE – for individuals and for groups.