Group Accident and Illness Insurance

MAIN AND MANDATORY RISK
✓ Death due to accident

Additional risks that can be included in the insurance:
✓ Death due to illness;
✓ Death due to occupational accident;
✓ Permanent loss of working capacity due to accident;
✓ Permanent total loss of working capacity over 70%, due to illness;
✓ Temporary disability due to
accident or illness;
✓ Medical expenses due to accident or illness;
✓ Daily allowance for hospital stay
(hospitalization) due to accident or
illness;
✓ Recovery after hospitalization due to accident or illness;
✓ Reimbursement of expenses for an accompanying person, during hospitalization or during a recovery period, due to accident or illness;
✓ Breakage/Fracture;
✓ Burn;
✓ Surgical treatment due to accident or illness;
✓ Medical transport expenses due to accident or illness;
✓ Emergency dental care due to
accident;
✓ Second medical opinion based on documents, in
trusted medical facilities due to
accident or illness;
✓ Funeral expenses in case of death due to
accident or illness;
✓ Diagnosis of critical illnesses;

• The Insurer is not liable for risks not listed in the insurance policy or in an endorsement.
• Risks related to existing chronic conditions or an illness known as of the insurance policy's inception date;
• Events occurring as a result of engaging in dangerous sports activities or hobbies;
• Self-treatment by the insured person without medical prescriptions or non-compliance with medical prescriptions;
• Use of alcohol, drugs, or other intoxicating or stimulating substances by the insured person;
• Pregnancy (incl. ectopic), childbirth, abortion, and resulting complications or illnesses;

Other exclusions described in detail in the General Terms and Conditions of the insurance.

This insurance is intended for employees of an employer or members of a non-profit legal entity, aged 14 to 69, who are citizens of the Republic of Bulgaria or foreigners with permanent residence status in the Republic of Bulgaria.

Group Accident and Illness Insurance provides an opportunity for employers or non-profit legal entities to offer their employees insurance protection against the risks of accident and illness at the workplace and during their free time.