Occurrence of an insurance event after policy settlement – fatality.

Permanently disability confirmed by the competent health agencies: the regional medical committee (TEMC) and the national medical committee (NEMC).

In case of uninterrupted temporary disability beginning or continuing during the term of the insurance as a result of an accident occurred during the policy operation, or as a result of the same illness occurred for the first time during the policy duration.

Diagnosis of any of the following Critical conditions for the first time during the policy operation: Benign brain tumor, Blindness, Coma, Aortocoronary bypass grafts, Myocardial infarction (MI), Kidney failure, Life-threatening malignant tumor, Hearing loss, Speech loss, Major organ transplantation, Paralysis, Stroke, Severe burns.

Second Medical Opinion is provided by MediGuide International and includes: independent expert assessment of the medical documentation by a doctor - specialist in a pre-selected leading medical center in order to confirm the initial medical diagnosis.

For each full day (24 hours) of hospital stay up to 30 days  

Covered are examinations performed during policy period, by medical specialist or habilitated person, on the territory of the Republic of Bulgaria.