Do I need Health Insurance When Moving to Bulgaria?

When planning a move to Bulgaria as an expat or digital nomad, one of the essential considerations is health insurance. Bulgaria requires all foreigners applying for a long-term stay to have health insurance coverage. This insurance must be valid for the entire duration of your stay or until you are eligible to join the national health insurance system after obtaining residency. The minimum coverage amount should be equivalent to the cost of emergency medical care and hospitalization in Bulgaria. It's important to ensure that your insurance policy meets these requirements to avoid any issues with your residency application or when seeking medical care.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance policies are designed to meet the requirements of various countries for residency applications. However, it is crucial to verify that your chosen policy complies with Bulgarian regulations. The insurance should cover emergency medical services, hospitalization, and repatriation. It should also be valid in Bulgaria and have a coverage amount that is acceptable to the Bulgarian authorities. Before purchasing a policy, expats should carefully review the terms and ensure that the insurance provider is recognized by the Bulgarian government. It's advisable to obtain written confirmation of the policy's compliance to present during the residency application process.

Which local health insurers offer this type of insurance?

In Bulgaria, there are several local health insurance companies that offer policies tailored to meet the requirements for residency applications. These insurers provide a range of plans that cater to different needs and budgets. Some of the well-known local insurance companies include DZI, Bulstrad, and Allianz Bulgaria. These companies have experience working with expats and are familiar with the type of coverage that is necessary for residency purposes. They offer plans that are specifically designed to satisfy the legal requirements and can provide documentation in Bulgarian, which is often needed for official procedures.

Advice from Expats in Bulgaria about Health Insurance

Experienced expats in Bulgaria often emphasize the importance of understanding the specifics of the health insurance policy you choose. It's essential to ensure that your policy covers not only emergency medical care but also any specific health needs you may have. Additionally, expats recommend choosing a reputable insurance provider with a track record of prompt and fair handling of claims. It's also beneficial to select a plan that offers a straightforward claims process and has customer service representatives who can communicate effectively in English. Lastly, while cost is an important factor, expats advise against choosing a policy based solely on price, as the cheapest option may not provide adequate coverage or service.