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Accident and General Ilness Insurance

Accident and General Ilness Insurance

Subject matter
The insured persons are Bulgarian and foreign citizens staying in Bulgaria or in another country. The insurance can be concluded individually, for a family, employees, students/schoolchildren, sportsmen, etc.

Risks covered
The risks for this type of insurance are related to the events Accident and Illness.
Under the General Conditions of the Insurance accidents are:

  • all actions of external forces of fortuitous and unforeseeable nature that happened against the will of the Policyholder and they have caused death or bodily injuries with temporary or permanent disability within a period of one year from their occurrence. An accident is also considered death or bodily injury of the Policyholder while saving a human life or property.
  • An illness (disease) /as per the International Classification of Diseases/ is considered to be a disturbance of the normal interaction of the Policyholder with the external environment, which results in structural-functional or functional changes to the organism of the Policyholder.

Basic risks

  • death and permanent disability as a result of an accident
  • death and disability as a result of an occupational accident

Additional risks

  • temporary disability as a result of an occupational or domestic accident
  • temporary disability as a result of a general illness
  • per diem for hospital stay as a result of a general illness
  • per diem for hospital stay as a result of an occupational or domestic accident
  • medical expenses as a result of a general illness
  • medical expenses as a result of an occupational or domestic accident
  • permanent disability as a result of a professional disease

* The Insurer also allows the conclusion of additional risks different from the mentioned herein, if the Policyholder wishes.

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