What is My Euroins Health Insurance?
You invest in the most valuable thing - your health and that of your family, and We reimburse your medical expenses related to services and health goods in the conditions of Out-of-Hospital and Hospital medical care, as a result of illness or accident.
With MyEuroins Health PLUS you receive additional coverage for diagnosis and treatment of oncological and serious diseases abroad. Coverage under the terms of My Euroins Health PLUS is intended for persons up to 64 years of age.
Why choose Euroins for My Euroins Health Insurance for individual clients?
- Individual coverage or for the whole family
- Unlimited access to online consultations (virtual doctor)
- Personalized approach and service for every client
- Optional coverage for treatment abroad for cancer and other serious illnesses
- Optional coverage for psychological support following an accident or serious illness
- Optional coverage for death and cancer screening
- Access to personal health record MyEuroinsHealth
What does My Euroins Health Insurance cover for individual clients?
You can choose My Euroins Health for individual clients or enhance your coverage with My Euroins Health Plus for individual clients.
My Euroins Health
- Online consultation
- Outpatient medical care
- Inpatient medical care
- Reimbursement of expenses for health-related goods
- Reimbursement of expenses for healthcare services without a referral from Euroins – 50% co-insurance applies
My Euroins Health Plus
- All coverage included in My Euroins Health + additional MediCare insurance coverage:
- Treatment abroad for malignant neoplasms, coronary artery bypass surgery, heart valve replacement, neurosurgery, organ and bone marrow transplantation, cancer screening, and a second medical opinion, with an annual limit of EUR 1,000,000 and a lifetime limit of EUR 2,000,000
- A lump-sum benefit of EUR 10,000 in the event of refusal of treatment abroad, or EUR 1,000 for pre-invasive cancer
- Genetic testing abroad following a cancer diagnosis
- Second medical opinion – MediGuide, available via the toll-free number 00800-120-1131
How to use the coverage:
Subscription service
You visit a healthcare provider with which Euroins has a contractual agreement, and we pay the costs of the healthcare services you receive directly to the provider. The services are available on a subscription basis and only after prior coordination with the Euroins Call Center.
Reimbursement of costs for healthcare goods and services
- For prescribed medications in outpatient care, team selection, a private room (a room with improved living conditions) or medical supplies (implants) in hospital care, pay the costs yourself.
- Get complete medical documentation and an invoice with a receipt for the relevant health goods.
- File a claim for reimbursement of expenses:
- Through the My Euroins Health platform
- Or at an Euroins office: fill out in person on paper a Request for reimbursement of expenses according to the Insurer's template, attach the required documents in original and send to the address Sofia 1592, 43 Hristofor Kolumb Blvd., "Liquidation of damages - health insurance" department
- By sending the request and documents by courier, for which you must pay the courier costs.
If, despite the requirement to make an appointment through our Call Center, you visit a medical facility of your choice (including trusted medical facilities), you must pay the costs of the healthcare services used yourself. When claiming reimbursement, we will reimburse up to 50% of the cost of the paid services, but not more than 50% of the usual costs, for a risk covered under the policy.
Online medical consultation
Euroins provides you with the opportunity for a quick and easy online consultation with a doctor. The online consultation is not a medical examination, but provides the opportunity for a second medical opinion, consultation on documents and receiving advice in some situations.
- Contact the Euroins Call Center and explain your condition. The Call Center can refer you to an online consultation with a doctor.
- During the consultation, you can share symptoms and complaints, laboratory results, photos.
- The doctor can assess whether it is necessary to refer you to a medical facility.
- If you need to visit a medical facility, call the Call Center to make an appointment.
- If you have been prescribed medication, after purchasing it, file a claim online through your personal health record MyEuroins Health.
Where is My Euroins Health Insurance valid for individual clients?
My Euroins Health for individual clients – valid within the territory of the Republic of Bulgaria.
MyEuroins Health Plus for individual clients – valid within the territory of the Republic of Bulgaria and the European Union (excluding Switzerland and Turkey).
Terms and Conditions of My Euroins Health Insurance for individual clients
What is the duration of the Insurance cover?
For a period of one year. The insurance contract comes into force after a preventive screening of the insured person has been carried out within 30 days of its signing.
When organizing treatment and paying for expenses related to it, carried out in a hospital in Europe, a waiting period applies:
for group policies over 10 people - 90 days
for individual and family policies - 180 days.
If before or during the waiting period (deferral period) the Insured is in remission or diagnosed with a critical illness, the reinsurer refuses coverage and refunds the premium paid for this person.
What are the liability limits?
- Outpatient medical care – EUR 2,550 (BGN 4,987.37)
- Inpatient medical care – EUR 13,000 (BGN 25,425.79)
- Reimbursement of expenses for health-related goods – EUR 200 (BGN 391.17)
- Online medical consultation – unlimited
- Treatment abroad for malignant neoplasms, coronary artery bypass surgery, heart valve replacement, neurosurgery, organ and bone marrow transplantation, cancer screening, and a second medical opinion – annual limit of EUR 1,000,000 and lifetime limit of EUR 2,000,000
Where can I take out My Euroins Health and My Euroins Health PLUS insurance for individual clients?
Information about the price of My Euroins Health and My Euroins Health PLUS insurance for individual clients and concluding an insurance contract can be found at any Euroins office, by email: contact@euroins.bg or by phone. 0700 17 241.
Where can I pay for My Euroins Health and My Euroins Health insurance for individual clients?
Payment for My Euroins Health and My Euroins Health and insurance for individual clients premiums can be made at any Euroins office, in our partner network, by bank transfer and online at www.euroins.bg
When does the insurance come into effect?
The insurance comes into effect after payment of the insurance premium and completion of the preventive screening.
Terms used:
- Hospital medical care - a complex of medical activities and services that are provided to patients in hospital settings.
- Outpatient medical care - all medical services that are provided to patients outside of hospitals.
Documents
- Специални условия- MediCare
- Общи условия_My Euroins Health
- Искане за възстановяване на разходи
- Въпросник за откриване на заболявания
- Предложение въпросник Индивидуална застраховка
- Предложение въпросник MyEuroins Health семейна застраховка
- Информационен документ MyEuroinsHealth
- Обичайни и разумни разходи
Frequently asked questions
How can I book an appointment for a medical check-up under the My Euroins Health insurance for individual clients?
How can I use an online medical consultation with My Euroins Health insurance for individual clients?
Does the My Euroins Health insurance for individual clients cover emergency medical care?
If you need emergency assistance, call 112 or go to the nearest emergency center.
When do the My Euroins Health and My Euroins Health Plus health insurance policies come into effect for individual clients?
How can I pay the premium for My Euroins Health insurance for individual clients?
When paying by bank transfer, you must include your insurance policy number in the payment reference.
Where can I take out My Euroins Health insurance for individual clients?
Motor third-party liability insurance and travel insurance can also be purchased online on the company’s website at euroins.bg or through the MyEuroins portal.
How can I submit a claim for reimbursement of medical supplies under the My Euroins Health insurance for individual clients?
What should I do in case of hospitalization if I have My Euroins Health insurance for individual clients?
What should I do in case of being diagnosed with a critical illness if I have My Euroins Health insurance for individual clients?
If diagnosed with a critical illness, you are entitled to a second medical opinion (a document-based consultation conducted by a licensed specialist in Bulgaria regarding the given diagnosis) by requesting the service at 0700 17 241.
What is required for treatment of a critical illness abroad under the My Euroins Health insurance for individual clients?