Do I need medical insurance to Bulgaria to travel? We will consider all the nuances of registration and find out the prices, we will find the most optimal options for a package of documents when planning a vacation with children or the whole family, we will tell you where it is more profitable to insure your life against accidents at sea.
Visiting foreign countries, including Bulgaria, implies difficulties with the execution of business papers. It is logical that people diligently avoid ordering the same insurances, but this is not justified. To simplify matters and minimize costs, you just need to carefully study the subtleties and nuances.
Do I need medical insurance for holidays in Bulgaria?
We will answer this question even before we find out how much insurance costs to Bulgaria. People draw up such business papers rather out of necessity, because it is necessary to submit packages of texts for a visa. But ordering this or that service is not enough, you need to carefully study the nuances so as not to pay money for an unnecessary or unsatisfactory product. It is necessary to take out insurance for a trip to Bulgaria. The specific purpose for which travelers board a plane, train, ship or bus does not matter.
Such an act will have to be ordered for visiting relatives, for recreation, and for study or work. The goal is to confirm that the visitors will pay 100% for the necessary medical care, that the payment for it will not fall on the Bulgarian state. The Border Guard has full legal authority to check the business papers of arrivals for life and health insurance. The laws of the Russian Federation also contain positions that indicate the compulsory health insurance of citizens flying abroad.
The corresponding act will help to obtain the necessary assistance of doctors in:
- car accident;
- plane or train crash;
- food poisoning;
- infectious disease;
- falling from a height;
- assault with a weapon or other incident.
What kind of insurance is suitable for a visa?
This question is by no means idle, and the consent of the migration authorities to travel directly depends on what kind of insurance to choose for a trip to Bulgaria. Yes, and his own peace of mind. Russian citizens are required to come to the country with a policy, the amount of coverage for which will be at least 2 million rubles. If there is no such policy, and the insured event has occurred, you will need to reimburse the costs from your own funds. Travel insurance in Bulgaria necessarily covers the countries of the Schengen Association. Bulgarian rules state that coverage starts at 30 thousand euros.
No entry is allowed without insurance, which covers every day of the intended trip. When using double-entry visas, contracts are concluded without fail for the period when the first visit to the country is scheduled. Medical insurance for a trip to Bulgaria, which is concluded with a deductible, or with reimbursement at the expense of the patient or legal representatives of at least a tiny part of the payments in the event of an insurance situation, is not suitable. Among the necessary covered expenses, diagnostic, therapeutic and rehabilitation procedures are introduced, as well as the transfer of the insured back to the Russian Federation. Including death.
Electronic documentation is not considered, the contract is presented in hard copy format. Filling 100% of the columns is allowed only in block letters and the same numbers. The policy reflects the full identification information of the insured, the amount of expenses that the insurer will cover and the territory where the insurance certificate is valid. Reflect the period of validity of the policy, covered by the text on the insurance act of risks.
Where to buy cheap insurance in Bulgaria?
Now it's time to figure out where to buy insurance in Bulgaria, and what is the cost of medical insurance, which experts consider justified. Such agreements are drawn up at the consulates of the Balkan country, at Russian insurance companies, at travel agencies and online through special resources. In the latter case, payment is made from plastic cards, by means of transfers or electronic money services.
The policy received by e-mail is only printed out on a printer. On average, a weekly trip for one person includes an insurance fee of 500 rubles. But this is only the minimum tariff, full insurance is provided with contributions of at least 1000 rubles for 7 days. If additional options are also required, the tariff rises to 1.5-2.5 thousand rubles for the same time. For older people, the rates are several times higher than for relatively young people, individual parameters are sometimes assigned for children.
Service ERV has been operating since 2006 and has already become on a par with the leaders on the European continent. Representatives of the company are present at the sites where only the appeal of customers is possible. All the necessary information can always be obtained on the pages in social networks. But we must take into account that you have to arrive at the hospital on your own, delivery there is not paid. The purchase of a policy is possible only if the clients are in the country where they live permanently, and the action must begin strictly before leaving the territory of Russia. Who cheats - will lose the payment guaranteed.
An alternative is provided by the service Cherehapa... There are shown a variety of offers from insurance companies, sometimes even more profitable than on official resources. The site has been operating for 6 years. Customers say he is always on the side of the customer, not the insurer. There is full informational support.
Project Tripinsurance is flexible and easy to contact. But in any case, at any insurance rate, the reimbursement will be only $ 1000, which is unacceptable for a trip to Bulgarian resorts. Sunburn and allergy compensation is not provided at all.
The most valuable thing today is the Sravn.ru service, which we use constantly on our regular trips across Russia and abroad in search of material for our project. Visitors note that the largest number of options is presented there (the search is very fast and is not limited to the previously mentioned resources). You can choose the best offer with a 100% guarantee, spending only a minimum of time. As for the prices for travel insurance, it is really cheaper here.
What is required for registration?
First you need to find out what kind of trip you are planning. If mountain climbing, skydiving, diving and other extreme activities are planned, they should be covered by the program. There are also other options - not only medical: for cases with exacerbation of chronic ailments, in case of sunburn, in case of problems with luggage and untimely departure of the plane. The list of documents for registration is established by the rules of each company and even each service separately.
Travel insurance for holidays in Bulgaria with children
In this case, we recommend using Tripinsurance, which offers standalone support or the assistance of Mondial operators. The second type of service is preferable because Mondial is very widely represented in the Bulgarian territory and has a strong network of collaborating clinics there. Slightly more profitable selling on the Sravn.ru service ERV insurance with support service Euro-Center Holding... The fee starts from 127 and 115 rubles per day, respectively.
What other types of travel insurance are there?
Clients can order here a policy for the whole year. The calculation of the fee is made when specifying the exact age.It is allowed to order insurance for a group of tourists as a whole. Multiple annual policy, allowing you to come for 30 days, implies (depending on the tariff) a refund from 30 thousand to 1 million euros.
Additional insurance offers include professional sports (competitions and training, sailing, surfing), baggage loss and trip cancellation, accident, civil liability insurance. You can order policies from Ingosstrakh, Alliance, Arsenal, Alfa Insurance, Tinkoff, VTB. The policy will definitely be accepted by any visa organization, everything possible has been done to ensure that it arrives by e-mail.
If an insured event occurs?
What to do? Do not panic and first of all you need to get the policy, find the number at the top of the page and call the specified phone number. Further, you need to calmly and clearly describe the situation to the operator in the most complete form: in which hotel you stayed, where you are, what state and other moments.
Be sure to have a passport and personal data with you:
- Full name of the tourist;
- The name of the company where you are insured;
- Policy number at the top of the document;
- Your location, if a hotel, then its name is enough;
- Your phone number.
