Travel Insurance Insurance for Bulgaria

The General Terms and Conditions for Medical Travel Insurance with Assitance are an integral part of the insurance contract and contain the agreements with which the insurance is undewritten. We answer the following questions in the General Terms and Conditions:

✓What does the insurance cover and what the insurance does not cover? ✓On the territory of which countries does the insurance provides coverage?

✓What are your and our rights and obligations in connection with the insurance?

We, Generali Insurance AD address you in your capacity as Policyholder, the person with whom we underwrite the insurance contract, in these General Terms and Conditions. The Policyholder may also be Insured – the natural person whom we insure against risks related to his/her life, health or physical integrity or for whom we provide assistance services through an assistance company in the realization of these risks.
We shall provide protection in occurrence of loss or damage arising as a result of risks covered by us during the validity of the insurance. These occurrences are uncertain, unknown and not depending on your will or the will of the Insured. Our protection consists in the payment of cash compensation and/or the provision of immediate assistance to the insured person who, as a result of an occurrence of loss or damage, has encountered difficulties during a travel abroad.

What is a travel abroad?

A travel abroad is your trip (departure and/or return), as well as your stay:

✓If you are a Bulgarian citizen – outside the territory of the Republic of Bulgaria;

✓If you are a foreign citizen – outside the territory of the Republic of Bulgaria and the territory of the state (countries) of which you are a citizen.

What is immediate assistance?

Immediate assistance is the expenses incurred for medical and assistance services, which are provided to you to manage a problem when traveling abroad, incurred up to 15 days after the date of the occurrence of loss or damage.

After its entry into force, the insurance shall be valid as long as you reside outside the above-mentioned territories until the insurance expiration. 5. The risks against which we offer protection are grouped in clauses presented in Section II. “What kind of risks do we cover with the insurance?” 6. We offer coverage after paying the relevant amount, which is called the insurance premium.

What do we insure?

With this insurance we shall provide you with protection during your trip and stay abroad in case of events as a result of which you experienced difficulties. We refer to these events as occurrences of loss or damage. As a result of these occurrences and within the limits we agree on in the policy, we shall undertake the following:

✓Cover your costs, and/or

✓Pay compensation to you, and/or

✓Provide you with immediate qualified assistance through a specialized company, which we hereinafter refer to as the Assistance Company.

We shall not cover correction, repair or warranty service of property, nor the expenses incurred for mediation in finding and providing assistance in this regard under this insurance.

Who do we insure?

We shall insure Bulgarian and foreign citizens under these General Terms and Conditions. The foreign citizens we insure shall be residing in the Republic of Bulgaria on a legal basis, which may be:

9.1. A valid permit for continuous, long-term or permanent residence of a foreigner 9.2. A valid certificate of long-term or permanent residence of a citizen of:

✓A State Party to the Agreement on the European Economic Area, or ✓Swiss Confederation.

We may also insure, at our discretion, foreign citizens residing legally in the Republic of Bulgaria for a period of less than 9 months.
We may insure you for a period not longer than 4 (four) months, in case you are a foreign citizen who does not have the status of permanent resident in the Republic of Bulgaria.
We shall only insure persons who are in good health at the time of underwriting the insurance, which allows them to travel and the persons do not violate a doctor’s prescription for this and are over 6 months old at the date specified in the policy for the beginning of the insurance period.
The persons over the age of 70 shall be insured with a maximum sum insured of up to 30,000 currency units, under main coverage and up to 5 000 currency units for medical expenses as a result of an acute illness and to 10,000 currency units’ currency units under the “Accident” clause.

13.1 The persons over the age of 70 to 75 years shall be insured only for travel for tourism, visiting, short-term education or specialization, seminars, professional qualification business meeting purposes.

13.2 The persons over the age of 75 shall be insured only for travel for tourism and visiting purposes.

Generali Insurance AD is a Company, having its headquarters the Republic of Bulgaria, Sofia, 68 Knyaz Alexander Dondukov Blvd., UIC 030269049 and it is holding a license to conduct insurance business – Resolution No. 1 of the National Insurance Council of March 26, 1998. Generali Insurance AD is part of the Generali Group, which is registered under No. 26 with the Register of Insurance Groups at the Institute for Insurance Supervision (IVASS).

When do we underwrite the insurance?

The insurance shall be concluded only prior to the beginning of your travel abroad, and its starting point shall be located in the Republic of Bulgaria.

14.1. We shall have the right to terminate the insurance contract if it is concluded in violation of the above without our express consent. We may exercise this right of termination within one month of becoming aware of these circumstances. We shall not pay an insurance indemnity for an occurrence of loss or damage in the event of an occurrence in the meantime.

14.2. The burden of proving the conclusion of the insurance shall be yours, in case a dispute arises between us as to whether the insurance was concluded before the start of the trip with a starting point within the Republic of Bulgaria.

What is the territorial coverage of the insurance?

The insurance shall provide coverage for the whole world except for: – USA and Canada,

– The territory of the Republic of Bulgaria, and

– The country of permanent residence and citizenship, Unless otherwise agreed in the policy.

We shall provide an insurance coverage for the USA and Canada upon explicit agreement in the insurance contract and against payment of an additional premium.
We shall not provide insurance coverage and we shall not responsible for the payment of any indemnity or for the provision of any benefit if the provision of such coverage, the payment of such indemnity or the provision of such benefit is:

17.1. is caused by risk related to the Islamic Republic of Iran, the Syrian Arab Republic,Democratic People’s Republic of Korea, Crimea region, Donetsk regions and Luhansk People’s Republics, regions of Zaporozhye and Kherson, Bolivarian Republic Venezuela, Republic of Belarus, Russian Federation, Islamic Republic of Afghanistan,Republic of the Union of Myanmar or other countries/territories placed under total embargo and comprehensive sanctions;

17.2. Constitutes a sanctioned, prohibited or restricted act in accordance with: – United Nations resolution;

– Commercial or economic rules, laws or regulations of the European Union, the United Kingdom or the United States; – The legislation of the Republic of Bulgaria.

Section II. What kind of risks do we cover with the insurance? 18. We shall offer coverage of risks grouped in:

18.1. Main Coverage –this is the minimum compulsory insurance coverage, as you choose the limit of liability from the limits of liability we offer. 18.2. Additional coverage –these are clauses containing covered risks and clauses packages that you can add to the main coverage.

What do we offer in the Main insurance coverage?

Under the Main Coverage, we shall cover expenses up to the amount of the agreed limit of liability in the policy for the following: Medical expenses due to an accident or acute illness, incurred abroad for:

19.1. Outpatient treatment.

We shall cover under the insurance the expenses for your outpatient treatment, which does not require early termination of the travel abroad, as expenses for:

✓Your emergency transportation by ambulance or other type of medical transport from the place of the accident/occurrence of the acute illness nearest medical facility, as well as expenses for subsequent transport to a specialized medical facility.

✓Conducting medical examinations and tests (laboratory analyzes, X-ray diagnostics, etc.),

✓Purchased medicines prescribed by the doctor who performed the examinations/tests, as well as for the fees of the respective medical specialist(s). 19.2. Inpatient treatment.

We shall organize through the Assistance company and cover the expenses for:

✓Your emergency transportation by ambulance or other type of medical transport from the place of the accident/occurrence of the acute illness to the nearest inpatient facility. We shall also cover the expenses of subsequent interhospital medical transport;

✓Your hospitalization/admission for treatment and stay in a standard room;

✓The expenses for treatment until the acute moment or pain symptoms are controlled, including the expenses for: o Medical examinations, tests, diagnosis, therapeutic treatment and surgical procedures;

o Doctors’ fees;

o Medicines purchased according to a doctor’s prescription.

You shall fill in a Health Status Questionnaire by which the risk to be evaluated by us if you wish to underwrite insurance for a limit under the main coverage of over 75,000 currency units.

What is an accident?

An accident is any event that leads to the death or bodily injury of an insured person as a result of unforeseen and sudden influences of external origin, which the insured person did not intentionally cause. The accident may be determined by time and place. The accident may cause work incapacity and/or death within one year from the date of its occurrence. Unpredictability is presumed until proven otherwise.

We shall also recognize as accident the cases of:

✓Sprains, strains and tears of tissues, joints, tendons and muscles due to sudden strain of own strength; ✓Work incapacity and/or death caused by compulsory immunization;

✓Diseases that are a direct consequence of an accident;

✓Infections in which the causative agents of the infection have entered the body of the injured person as a result of an accident; We shall not consider as an accident events that occurred as a result of:

✘Occupational or other diseases;

✘Traumatic injuries resulting from epileptic seizures as well as seizures caused by other diseases (including colic), mental illness, bleeding and paralysis caused by high blood pressure, atherosclerosis, etc.;

✘Acute gastrointestinal infections, including trichinosis and salmonellosis, inguinal and abdominal hernias, disc herniations, radiculitis, retinal detachment, etc.; ✘Complication of pregnancy, childbirth and the postpartum period, outpatient abortion;

✘Temperature effects – cold, frost, sun or heat stroke, sunburn, inflammatory conditions of organs and systems caused by low temperatures; ✘Medical or surgical intervention, unless it was necessitated by the accident itself;

✘Alcohol exposure resulting in death or traumatic injury;

✘Effects of narcotic drugs or their analogues – stimulants, doping agents, leading to death or traumatic injuries; What is an acute illness?

Acute illness (disease) is an acute, often sudden violation of the basic vital functions of the body, with rapid progression of symptoms, which can lead to severe organic disorders, disability or death and requiring emergency/urgent medical intervention. These disorders (diseases orinjuries) are expected to respond quickly to adequate treatment aimed at restoring the health condition that existed before the disorder.

19.3. Expenses for emergency dental treatment We shall cover the expenses for:

✓Elimination of severe toothache due to an accident, or

✓Elimination of severe pain in acute inflammatory process in the oral cavity, for which an accurate diagnosis can be made (pulpitis, periodontitis, abscess) ✓Extraction of a suddenly broken or deeply destroyed tooth, including anesthesia.

We shall cover these expenses, provided that the accident, the acute inflammatory process and the expenses of their dental treatment have occurred during the term of the insurance. We shall cover a check-up following the performance of any of the abovementioned services.

We shall cover the expenses for emergency dental treatment for a limit of liability up to 250 currency units for each occurrence and in total for all occurrences during the insurance period. What is emergency dental treatment?

Emergency dental treatment means dental treatment to eliminate severe toothache due to bodily injury in an accident, as well as assistance in acute inflammatory processes in the oral cavity, which may be accurately diagnosed (pulpitis, periodontitis, abscess). The occurrence should have occurred and taken place after the entry into force of the policy and after you are outside the territory of the Republic of Bulgaria / or the country of your permanent residence and citizenship.

19.4. Expenses for mountain search and rescue

We shall pay to the local specialized services through the Assistance company the expenses of your search and rescue in the mountains, if necessary. The coverage limit shall be up to 2,000 currency units per one occurrence and in total for the period of the insurance.

19.5. Expenses for return to Bulgaria upon inpatient treatment

We shall cover the expenses for your return to the Republic of Bulgaria upon inpatient treatment, when your health condition allows you to continue your treatment in Bulgaria. Through the Assistance company we shall organize and cover these expenses up:

а) To hospital facility, specified by you in the Republic of Bulgaria, or b) To your place of residence in the Republic of Bulgaria.

The doctors named by the Assistance Company shall be the only people who have the right to decide when and how your return to be performed. We shall provide through the Assistance company a medical specialist to accompany you on your return, if necessary.

We shall cover your expenses for return to the Republic of Bulgaria up to the amount of your chosen limit of liability under the Main Coverage, but for not more than 25,000 currency units. 19.6. Expenses for transportation of human remains

In case the Insured dies while traveling abroad, we shall organize through the Assistance company and cover the expenses for the transportation of his or her body or his or her cremated remains to the Republic of Bulgaria.

We shall cover the expenses of transporting human remains from the place of death abroad to a settlement in the Republic of Bulgaria, indicated by his or her relatives.

We shall cover the expenses of transporting his or her remains up to the amount of your chosen limit of liability under the Main Coverage, but for not more than 25,000 currency units. We shall not cover the expenses of storing his or her remains or cremated remains, nor the expenses of rituals and burial.

19.7. Expenses of “coronavirus” infection

When a “coronavirus” infection is diagnosed, we cover up to the amount of the basic coverage liability agreed in the policy, but for not more than 5,000 currency units: ✓medical expenses for outpatient and inpatient treatment and

✓expenses for return to Bulgaria for inpatient treatment and for transportation of human remains.

General Terms and Conditions

for Travel Assistance Abroad Insurance

“Coronavirus” is a severe acute respiratory syndrome coronavirus-2 (SARS-CoV-2) and its associated disease COVID-19.

What additional coverage do we offer?

We shall offer for an additional premium the additional coverage of risks, grouped in clauses and packages, which you can choose to add to the Basic coverage at the conclusion of the policy: Accident Clause

Death by accident

We shall pay the limit of liability agreed in the policy for this risk equally to your legal heirs in the event that you die in an accident while traveling abroad. We shall pay the limit of liability under the previous sentence, provided that the accident with you occurred during the period of the insurance, and your death occurred no later than one year from the date of the accident and is in direct causal link with the accident.

We shall not insure minors and persons placed under full incapacity under this risk. Permanent work incapacity due to an accident

We shall pay a percentage of the sum insured equal to the percentage of lost/reduced working capacity in case of permanent disability due to an accident.

The certification shall be performed by the Territorial Expert Medical Commission/National Expert Medical Commission, our expert commissions or by the judicial bodies, in accordance with the Ordinance on the Medical Expertise.

The certification shall be performed only after your final and complete stabilization after the accident injuries, but not earlier than three months from the date of the accident and not later than one year after the accident.

The certification shall be performed regardless of the degree of your stabilization, determining the percentage corresponding to your condition at the end of the one-year period from the date of the accident if the treatment is not completed within one year of the accident.

We shall not cover expenses related to complications that occurred in your condition after one year from the day of the accident under the insurance.

We shall apply a reduced percentage of permanent disability corresponding to the disability that is a direct and immediate consequence of the occurrence to determine the indemnity if, as a result of an occurrence, parts of the body or organs that have been previously damaged or functionally unfit are affected.

What is permanently reduced working capacity?

Permanently reduced working capacity is a condition in which due to a traumatic injury, you have limited working capacity in connection with a permanent functional deficit of a relevant damaged organ or system.

Personal Liability clause

We shall cover your liability up to the limit agreed in the policy if during your trip abroad you cause death, bodily injury or illness to third parties, as well as full or partial damage to movable and immovable property of third parties. We shall cover your liability for damages for which you are liable under the applicable civil law of the country in which you have caused the damages.

We shall not insure unaccompanied minors against this risk.

The insurance shall not provide coverage, respectively we shall not pay an indemnity for:

✘Damages to third parties that you have caused in connection with the possession or use of a motor vehicle, vessels (other than those for water sports), aircraft, weapons or real estate; ✘Damages to third parties resulting from an intentional crime committed by you, fleeing the scene of a crime or refusing to assist victims of crime;

✘Fines, sanctions, coercive administrative measures and penalties imposed by an authorized body; ✘Damages from non-performance of your obligation, which you have undertaken under the contract;

✘Damages you have caused by practicing a certain profession, occupation or position, professional advice, professional services and employment;

✘Damages from an offense that you have committed in a state of mental illness, after the use of alcohol or under the influence of a narcotic substance or its analogue; ✘Causing damages during or in connection with the performance of any work activity by you;

✘Damages caused by or in connection with the possession of fighting dog breeds; ✘Damage from goods manufactured or delivered by you.

Legal Aid Clause

We shall organize through the Assistance company and cover the expenses up to the limit agreed in the policy for legal aid and your protection in court proceedings abroad, filed against you for damages caused to third parties. The expenses for legal aid and protection under the previous sentence shall be covered, provided that they have been incurred within one month after the end date of the insurance period.

We shall not insure unaccompanied minors against this risk. We shall not cover or pay an indemnity for:

✘Liability related to the possession or use of a motor vehicle;

✘The expenses in court proceedings for the realization of your contractual or professional liability;

✘Damages from an offense committed by you in a state of mental illness, after the use of alcohol or under the influence of a narcotic substance or its analogue;

✘The expenses in court proceedings for damages to third parties or for other offenses committed by you outside the period of insurance coverage under the policy, or for damages from an intentional crime that you have committed;

✘The expenses related to legal proceedings brought against you in connection with an intentional crime, escape from the crime scene.

Reduction or Extension of Stay Clause

Reduction in length of the stay/Early return of the insured in Bulgaria

We shall provide contingency coverage of up to 1,500 currency units for your return to the Republic of Bulgaria in case of shortening of your stay abroad, due: ✓To death of a close relative (direct relative, brother or sister) or spouse.

✓To death of a person accompanying you during your journey; Contingency return costs shall be considered:

✓The price of the new ticket for a regular flight for economy class, train or bus – in case the return ticket purchased by you in advance has not been used due to impossible revalidation; ✓The amount for revalidation of a regular flight ticket for economy class, train or bus – in case the return ticket purchased by you in advance has been used after the respective revalidation. Extension of stay

We shall provide coverage for hotel accommodation in case of extension of your stay abroad due to an accident you have suffered or an acute illness. The condition to cover your expenses, according to the previous sentence, is that you have not been hospitalized in a medical facility. Coverage limit for one person up to 75 currency units per one night, but not more than 3 nights. If you need to extend your stay abroad, you shall be obliged to notify the Assistance company on the telephone numbers indicated in the insurance policy prior to the performance of any actions or expenses in this regard. Secure Wallet Clause

We shall reimburse the expenses for:

✓Re-issuance of personal documents (passport, identity card, driving license), credit and/or debit cards, in case they are stolen or lost when traveling abroad. Our limit of liability shall be up to 100 CU; ✓Losses uncompensated by the bank-issuer of a credit/debit card up to 200 CU, occurred as a result of unauthorized use of the card from the moment of establishing its loss or theft, until the moment of registration of the request to the bank for blocking the credit/debit card. We shall cover the losses referred to in the previous sentence only if they have occurred within no more than 72 hours prior to the registration with the bank of the card blocking request under the insurance.

This clause shall not cover damages from intentional actions of relatives in the direct line and in the collateral line up to and including the fourth degree, of a spouse or of persons living together on a marital basis.

Our liability for this risk shall be for the initial and one-time manifestation of the risk during the period of the insurance.

Kidnapping Clause

We shall cover medical expenses resulting from bodily injuries suffered during your kidnapping or hostage-taking and incurred after your release. The coverage limit shall be up to the amount of the sum isured chosen by you for the main coverage.

What do kidnapping and hostage-taking mean?

Kidnapping means detaining or taking you against your will in a place unknown to others, using force or threat, without legal grounds. The detention or lead away of minors by their relatives and/or close friends shall not be considered a kidnapping.

Hostage detention means your detention by a third party through the threat that, if a condition imposed by him or her is not fulfilled by another person, they will cause you serious or moderate bodily injury or death.

Missed Event Clause

We shall reimburse you for the expenses of a purchased ticket/paid fee for participation in an organized event abroad, if the event is missed due: ✓To the fact that an accident or acute illness has occurred to you;

✓To death of your close relative (direct relative, brother or sister) or spouse; ✓To death during the journey of an accompanying person of the insured person.

The above risks should have occurred after the start of the trip abroad and prior to the start of the organized event.

The limit shal be up to the value of the unused ticket, but not more than 100 currency units per one event and in total for the period of the insurance. What does an organized event mean?

An organized event abroad is a concert, performance, celebration of a significant date, competition, exhibition, fair, congress, seminar or sports event abroad, for which you have previously purchased a ticket or paid a participation fee.

On the Road Package

Hotel expenses in case of a road traffic accident

We shall cover the expenses of overnight stays in a hotel up to the limit under this risk, if as a result of a road traffic accident occurred abroad, the car which has Bulgarian plates, driven by you, owned or used under leasing:

✓May not move under its own power, according to local legislation, and

✓Its repair may not be carried out within the day on which it was damaged due to late hours, weekends or public holidays, or will last for more than 1 (one) working day.

Your daily and other expenses shall not included in the coverage.

Our limit of liability shall be up to 75 currency units per one night, but for not more than 3 (three) nights. Refuelling the wrong fuel in the vehicle

When, as a result of this risk, your car cannot move under its own power, we shall pay the expenses of draining the wrong fuel up to 250 currency units per an occurrence and in total for the period of the insurance.

Motor vehicle key loss

We shall reimburse the expenses of locksmith assistance in locking the car due to a blocked lock, lost or forgotten in the cabin ignition key. We shall provide coverage for your own or used under leasing car with Bulgarian plates, which can not continue its journey due to the lock. Our limit of liability shall be up to 100 currency units per an occurrence and in total for the period of the insurance.

Legal aid and guarantee for release in case of a road traffic accident

We shall cover the fees of a lawyer for legal assistance and protection in the proceedings for your release on bail.

The coverage shall refer to the cases in which you are guilty of an accident caused while traveling abroad and are forcibly detained by the local authorities. We shall cover only the cases in which you cause a road traffic accident with own or used under a lease agreement car with Bulgarian plates.

Our limit of liability shall be up to 1,500 currency units per an occurrence and in total for the period of the insurance.

Ski and Snowboard Package Ski/snowboard equipment

We shall pay you an indemnification up to the limit under this risk for burglary or loss of your own equipment (ski/snowboard, bindings, shoes and helmet), in case of: ✓Fire,

✓Natural disaster, ✓Attempted burglary, or

✓An accident during your trip abroad.

Our limit of liability shall be up to 150 currency units in total for all lost or stolen items. Rental replacement ski/snowboard equipment

We shall reimburse you up to the limit under this risk for hiring replacement ski/snowboard equipment in the event of burglary or loss (in case of fire, natural disaster, attempted burglary or accident) of your own ski equipment during travel abroad.

Our limit of liability shall be up to 15 currency units per day and for not more than 7 (seven) days. Ski Pass

We shall pay you an indemnification up to the limit under this risk for the unused part of the subscription pass for the use of ski facilities due to an accident or acute illness with you during a trip abroad. We shall reimburse this unused part if the respective supplier does not take responsibility for such reimbursement.

Our limit of liability shall be up to 50 currency units per day, for no more than a total of 7 (seven) days.

We shall not pay an inemnification for the risks “Ski/snowboard equipment” and “Rental replacement ski/snowboard equipment” gor: ✘Loss of ski/snowboard equipment;

✘Theft of ski/snowboard equipment placed on or inside a vehicle, unless the vehicle has been parked in a guarded car park or in a garage; ✘Ski/snowboard equipment left in a public place, unattended.

Flight Package

Delay or cancellation of a scheduled flight

In case of delay or cancellation (annulment) of a regular flight, we shall reimburse you for the expenses incurred by you for the purchase of food, beverages, medicines and/or hotel accommodation up to the risk limit.

Our limit of liability shall be up to 100 currency units per an occurrence and in total for the period of the insurance. We shall not cover expenses:

✘To persons with a permanent address in the settlement in/around which the airport at which the flight was canceled is located; ✘Related to the value of the ticket;

✘If the starting or ending point of the trip is outside the territory covered by the insurance. What does cancellation of a regular flight mean?

Cancellation of a scheduled scheduled flight means the cancellation of a scheduled flight due to: ✓Adverse weather conditions and/or natural disasters.

✓Technical malfunction of the aircraft. ✓Terrorist threats.

Missed connecting scheduled flight

In case you miss a connecting regular flight, we shall reimburse you for the expenses incurred by you for the purchase of food, beverages, medicines and/or hotel accommodation up to the limit under the risk.

You shall have incurred the expenses:

✓In connection with the omission of the connecting scheduled flight from the transfer point due to the delay of the previous scheduled flight and the lack of subsequent transport within 4 hours after arrival at the transfer point;

✓At the transfer point after your arrival there.

We shall not cover expenses if the transfer point is outside the territory covered by the insurance.

Our limit of liability shall be up to 100 currency units per an occurrence and in total for the period of the insurance. Delay of checked baggage when traveling by air

We shall reimburse you for the expenses of purchasing basic necessities in case your luggage arrives more than six hours late from your arrival at the end of your scheduled flight. The basic necessities shall be purchased in the interval after your arrival at the end of the trip until the checked baggage is received, but not later than 48 hours from your arrival. We shall not cover expenses if the end point of the trip is outside the territory covered by the insurance.

Our limit of liability shall be up to 100 currency units. What do basic necessities mean?

Basic necessities are toiletries, clothes and shoes.

Loss of checked baggage when traveling by air

We shall pay you compensation for partial or complete loss of luggage due to the fault of the carrier up to the agreed limit.

Loss of luggage shall have occurred during the continuous air carriage of your luggage – from the moment of its delivery to the carrier at check-in until the moment of its receipt by you. We shall not pay an indemnifiaction:

✘If the end point of the trip is outside the territory covered by the insurance

✘If your luggage is found during your stay abroad. Then we shall pay you an indemnifiaction only for the risk “Delay of checked baggage” up to its limit. ✘If the loss of the checked baggage is established on the territory of the Republic of Bulgaria/on the territory of your permanent residence or citizenship. The limit shall be up to 100 currency units for loss of one luggage and a total of up to 250 currency units for all the luggage.

What does the loss of checked baggage mean?

Loss of checked baggage is undelivered baggage at the end of the journey that has been checked in and handed over for carriage along with your air travel. Baggage that has not been delivered within 21 days of your arrival at the end of your trip shall be considered lost.

What assistance services do we offer?

We shall offer the following assistance services as part of our Main Coverage: 21.1. Information on medical care

Whenever an insurance event occurs, the company shall provide you with the necessary information and contact details for doctors, addresses of hospitals, medical centres, emergency centres, etc. according to the occurrence and your specific needs.

21.2. Tourist information

Upon your request, the Assistance company shall provide tourist information necessary in connection with your organized trip and stay abroad. 21.3. Transmission of emergency messages

In case of an occurrence of loss or damage, the Assistance company shall offer you a service for sending messages and changing reservations. The Assistance company shall organize the transmission of all messages to your relatives and to the people you work with. The Assistance company may change reservations for hotel, plane, car rental, redirect appointments according to your instructions.

21.4. Delivery of necessary medicines

We shall provide you, through the Assistance Company, with the necessary medicines to continue the treatment of an existing disease, if you cannot provide medicines on the spot. You shall be obliged to reimburse us for the expenses incurred for delivery of necessary medicines within 1 (one) month after your return to the Republic of Bulgaria..

21.5. Provision of a loan.

Under the Loss or theft of personal documents and bank cards risk the Assistance company may provide you with a loan after a person designated by you pays to us an amount equal to the loan amount.

21.6. Payment of guarantee.

Under the risk “Legal aid and guarantee for release in case of a road traffic accident” the Assistance company may submit a guarantee for your release, after a person specified by you deposits with us an amount equal to the amount of the guarantee, but not more than 5,000 currency units.

“What is “limit of liability” and what options for policy conclusion we offer? 22. What is the limit of liability?

22.1. The limit of liability shall be the upper limit of our liability to pay compensation or provide assistance in the event of an occurrence with you. We shall determine in these General Terms and Conditions or negotiate with you in the policy a limit of liability for the Main Coverage and the modules of the additional coverage.

22.2. We shall apply the limit of liability in total for all occurrences that occurred during the insurance coverage period under the contract, regardless of their number and type. 22.3. We shall apply the limit and the sum insured for each insured person in the group insurances.

What are the options for concluding a policy?

23.1. Single Trip – concluded for the period of the travel abroad prior to its start.

4 General Terms and Conditions

for Travel Assistance Abroad Insurance

23.2. Multi Trip – we offer the “Multi Trip” option for those persons who often travel abroad. 23.2.1. We shall underwrite insurance under this option for a period of one year.

23.2.2. The duration of each individual trip may be up to 30/60/90 consecutive days abroad. 23.2.3. The total stay abroad for a period of one year may not exceed 180 days.

23.2.4. We shall conclude the “Multi trip” option with persons over 6 months of age up to 75 years of age as of the date of concluding the insurance. 23.2.5. We shall provide insurance coverage only for the risks under the main coverage and the provided assistance services with the “Multi trip” option.

Section III. What kind of risks we do not insure?

We shall not cover expenses incurred in the Republic of Bulgaria under this insurance.

24.1. We shall not cover the expenses incurred on the territory of the country of permanent residence and citizenship for foreign citizens.

24.2. For Bulgarian citizens we shall not cover occurrences of loss or damage (expenses) carried out on the territory of a country in which they have permanent residence or citizenship. 25. Under the insurance we do not cover damages and do not owe compensation for events resulting of/due to:

✘Trips taken to countries in a state of war or civil war. Losses, injuries, fatal injuries or expenses caused by war, invasion, enemy action (whether declared war or not), terrorist acts, civil war, riots, strike, lockout, uprisings, military and civilian seizure of power, participation in civil unrest, violence of any kind, military exercises or other acts of a military nature;

✘Intentional participation in illegal actions, committing or attempting to commit a crime of a general nature, participation in a fight, except in cases of self-defense; ✘Accidents caused by gambling or other bets;

✘Execution of a death sentence, damage to health that occurred during the detention of the insured by the authorities or in a place of imprisonment; ✘Cleaning, assembly and other any actions with weapons;

✘Earthquake or atomic and nuclear explosions, radioactive products and their contamination, radiation or ionizing radiation, violation of the established measures and requirements for nuclear safety, leading to violation of the conditions and limits for radiation impact on the environment, according to current Bulgarian or international norms and standards;

✘; Production accidents or chemical pollution, as a result of production and other accidents, environmental disasters; ✘Natural disaster or other event of mass or catastrophic nature;

✘The use of radioactive, toxic, explosive or other hazardous materials from explosive nuclear components

✘Air pressure waves caused by airplanes and other airborne equipment traveling at the speed of sound or supersonic speed; ✘Air travel (excluding those as a passenger with a paid regular or charter flight ticket);

✘Pursuit of an activity for which you do not have the necessary valid permit, including driving land vehicles, aircrafts or water vessels without a valid driver’s license;

✘Amateur practice of extreme sports, professional practice of any sport, as well as participation in organized sport competitions / such as amateur or professional/. At your request, by express agreement antered in the insurance policy, and against payment of additional premium, we can include in the insurance coverage the activities specified in this exception, grouped by us into risk classes.

What does “extreme sports” mean?

“Extreme sports” are: all types of motor sports (land, air and water), all types of air and aviation sports ( including parachuting, hang gliding, paragliding etc), bungee jumping,mountaineering, spaleology, rock climbing,scuba diving, as well as participation in expeditions to places with extreme climatic and natural conditions, sports orientation, American football, rugby, ice hockey, kick boxing, martial arts, weightlifting, wrestling, skiing ad snowboarding outside the designated areas, bobsleigh, mountain canoeing, rafting, aerial acrobatics, freeride (off0piste riding) , sport climbing, mountain biking, diving, sandboarding, zorbing, slackline, paintball, longboarding, vertical roller skating, extreme pogo, bouldering, ice climbing, wingsuit jumping, bocking (stilt jumping)q high aerobatics, freestyle, tricycle racing, climbing, mountain boarding, base jumping, parkour;

✘hunting, mountaineering or mountain climbing above 3000 meters and caving;

✘Sexually transmitted diseases, HIV, AIDS, or expenses incurred directly or indirectly in treatment, diagnosis or medical examination;

✘Suicide or attempted suicide, intentional self-harm or deliberate endangerment unless you endanger your life and health to save another person; ✘Effects of alcohol or drugs on you;

✘Circumstances which could give rise to a claim and which were known to you at the time of the start of the journey; ✘Participation in medical research or clinical trials of medicinal products;

✘Expenses and/or benefits payable under other insurance policies, compulsory and/or voluntary medical insurance, or other medical schemes; ✘Accident or acute illness, the treatment of which does not require emergency or urgent care;

Under the main and additional coverage, we do not cover and do not owe compensation for:

✘Expenses for treatment of diseases existing at the time of concluding the insurance, regardless of whether they were known to you at that time; ✘Expenses for preventive and routine medical examinations and tests;

✘Expenses for treatment of illness, if such was the purpose of the trip;

✘Medical expenses exceeding 150 currency units for which you have not notified the Assistance Company or us, within 48 hours from the occurrence of an insurance event or from the conduct of a medical examination/treatment in a hospital approved by the Assistance Company or by us;

✘Transport expenses or expenses for your return to the Republic of Bulgaria, which you have incurred without the approval of the Assistance company; ✘Expenses in excess of the eligible and normal expenses of medical care and necessary medicines in the country where the occurrence occurred;

✘Expenses for dental treatment and for the placement of artificial teeth/implants or dentures, for the placement or replacement of fillings, for the placement, replacement or repair of crowns, bridges and veneers, other than those to relieve your pain;

✘Acupuncture, iris diagnostics, homeopathic examinations, treatment with non-traditional methods and means, including homeopathy, as well as any treatment that is not recommended and performed by a general practitioner or a specialist, or is performed in facilities that are not registered as medical in accordance with the local legislation;

✘Expenses related to declared epidemics and pandemics, except for the medical expenses for outpatient and inpatient treatment, costs for return to Bulgaria for inpatient treatment and for transportation of mortal remains in case of “coronavirus” infection;

✘Expenses for removal of physical defects and anomalies, aesthetic surgery and application of cosmetics and procedures;

✘Expenses for treatment of all forms of mental, neuropsychiatric diseases and neuroses, for psychoanalysis, psychotherapy, for treatment of alcoholism and drug addiction;

✘Expenses for hemodialysis and blood transfusion, organ, tissue and cell transplantation, planned neurosurgical, cardiac, ophthalmic and other types of operations, in vitro fertility, hospital care for cancer patients and mandatory immunizations;

✘Expenses related to pregnancy and/or complications due to it, including abortion; ✘Expenses related to rehabilitation and physiotherapy, sanatorium or other similar treatment;

✘Expenses as a result of an accident you have suffered after using alcohol or under the influence of a narcotic substance or its analogue; ✘Medical expenses incurred later than 15 days after the onset of the acute illness or accident;

✘Expenses for food supplements and vitamins; ✘Expenses for implants, prostheses and corrective devices;

✘Expenses related to mourning equipment, ritual, as well as expenses related to funeral.

✘expenses and/or benefits payable under other insurance policies, compulsory and/or voluntary medical insurance, or other medical schemes; ✘late payment interest payable to third parties;

✘costs for overnight stays in a hotel that have not been agreed with the Assistance Company

Section IV. How do we underwrite business? What is the period of insurance? How do we underwrite the insurance policy?

We underwrite the insurance contract with you in writing in the form of an insurance policy, which in these General Terms and Conditions we refer to as the “policy”. 28. The policy may be underwritten as an individual, family or group contract.
As a Policyholder you may insure two or more persons, the number of which is determined or identifiable, and which we shall include in a list according to certain criteria.
Prior to underwritting the policy, you shall fill in and sign a Proposal Questionnaire according to our model form, in which you declare accurately and in good faith all the circumstances for which we have asked a question in writing. The offer may be filled in by our employee, as you answer all the questions accurately and in good faith and confirm your answers with your signature.

What are the consequences if you declare inaccurately or conceal circumstances?

We may terminate the policy without notice if you, your authorized representative or insurance broker has knowingly declared inaccurately or concealed circumstance, in the presence of which we would not have underwritten the policy. In this case, we may terminate the policy within one month of becoming aware of this circumstance.
We shall refuse in full to pay compensation for an occurrence which has been affected by an incorrectly declared or implied circumstance.
We may reduce the indemnity for оccurrence of loss or damage on which an incorrectly declared or concealed circumstance has had an effect only to increase the amount of damages. In this case, we shall reduce the indemnity according to the ratio between the amount of the premium paid and the premium to be paid according to the actual insurance risk.
We may request an amendment to the policy if you, your authorized representative or the representative’s insurance broker have knowingly declared inaccurately or withheld a circumstance in the presence of which we would have concluded the policy, but under other conditions. We may exercise this right within one month of becoming aware of the circumstance. We shall terminate the policy in case you do not accept our change proposal within two weeks of receiving the proposal.

What is the term of the insurance coverage, its beginning and end?

The insurance coverage starts with the departure of the Insured of the territory of the Republic of Bulgaria, but not earlier than the time of the day indicated in the policy for the beginning of the insurance coverage period, provided that as of that date and time you have paid the insurance premium to us.
At your explicit request, we may extend the period of insurance coverage under a one-time travel policy. This may be done be the conclusion of an endorsement to the policy, for which you shall pay an additional premium due to us, which we determine. We shall extend the term of your policy only if the total period of insurance coverage under the policy along with its extension does not exceed 12 months.
The insurance coverage shall be terminated with your return on the territory of the Republic of Bulgaria or at the time of the day indicated in the policy for the end of the period of insurance coverage – whichever of the two circumstances occurs earlier.
The insurance shall be terminated automatically upon the expiration of the period for which it has been concluded or upon exhaustion of the respective limits for the separate clauses as a result of 5

paid indemnities or amounts.

What are your rights if your trip is canceled or postponed?

You may file a request for termination of the policy, if after the conclusion of the policy circumstances arise that frustrate or postpone your trip abroad.
You can do this in any of our representative offices in the country, but not later than the end of the working day on the date specified in the policy for the beginning of the insurance coverage period. 41. In this case the policy shall be terminated as of the receipt of the request for termination. In this case, upon termination of the insurance we shall have the right to keep the portion of the premium

corresponding to our administrative expenses for underwriting the insurance.

What are the manners the policy to be unilaterally terminated?

You may unilaterally terminate the policy without notice by sending us a reasoned written notice. Termination shall occur at 24:00 on the date we obtain the termination.
We may unilaterally terminate the policy at any time by giving seven days’ written notice to you at the last address indicated in the policy or an endorsement thereto. The policy shall be terminated after the expiration of the seven-day period of the receipt of the notice.

Upon termination of the policy you shall have the right to obtain the portion of the paid insurance premium corresponding to the unexpired period of insurance coverage.

Section V. How do we determine the price of insurance? How do we determine the insurance premium?

The insurance premium also includes the tax that is charged on it, and this is the amount you pay us in order to provide you with protection under the terms of the policy.
We determine it in currency units (euro or US dollars) according to our tariff. You pay the premium once in its BGN equivalent at the central exchange rate of the BNB on the day of concluding the insurance contract.
You can pay the insurance premium in cash, to our bank account or through approved by us electronic payment systems.

Section VI. What are your insurance obligations?

You or the Insured shall be obliged to notify the Assistance Company within 48 hours of the occurrence of the insurance event. If you or the Insured are not able to do this in person, you may make the notification through your relatives, trustees or medical personnel.
In case the Insured has paid the expenses for the provided medical care, the Insured may file a claim for reimbursement of the expenses incurred by the Insured directly to us by presenting the documents necessary for establishing the event, the right to compensation and its amount after the Insured‘s return in the Republic of Bulgaria.
You shall be obliged to present the policy in the medical facility (hospital, clinic, etc.) during the examination and rendering of medical assistance.
You shall be obliged to accurately and in good faith provide the Assistance Company with the necessary information to fully clarify the circumstances under which the insured event occurred. Upon filing a claim, you may be required to provide proof of the day of leaving the territory of the Republic of Bulgaria, as well as the length of your stay abroad. By concluding the policy, you authorize us to request the necessary information from third parties (medical facilities, doctors, airport services, police, etc.) through the Assistance Company, releasing these persons from the obligation to protect medical or official secrecy.
You shall be obliged to immediately notify the relevant airport services and obtain by these airport services a document certifying the event that occurred, in the event of risks related to the use of air transport (for example, “Delay or cancellation of a scheduled flight”, “Missed connecting scheduled flight”, “Loss of checked baggage”, “Delay of checked baggage when traveling by air”).
In the occurrence of an insured event, you shall be obliged to take all possible measures to limit the damages and to cooperate (with us and the Assistance Company) to provide detailed information about the circumstances that led to the occurrence of the insured event.
In case you do not fulfill your obligations under the previous point, the Assistance Company shall have the right to subject you to medical examinations as often as necessary, and in case of death -to request an autopsy.
In case of death of an insured person, the third beneficiaries shall submit to us a written claim for payment of the agreed sum insured. The claim shall be filed in our office.

Section VII. How to notify us of an occurrence and claim a compensation?

You shall notify the Assistance Company within 48 hours of your admission to a hospital or other medical facility as a result of an accident or illness you have suffered. In order to notify the Assistance Company, you shall use the telephone numbers listed in the policy to which the Assistance Company provides telephone services around the clock. The purpose being:

✓Us to guarantee that the presented policy covers the expenses related to the insurance event;

✓To provide the address and telephone number of the medical facility where medical care was provided or where you are located; ✓To obtain information and referral for treatment at the nearest and appropriate hospital or medical centre.

After confirming the validity of the policy, the Assistance company shall proceed on our behalf to provide assistance services on the case until its completion and shall settle the payment to the agreed limits for the medical services provided to you by the respective medical facility.
After your return to the Republic of Bulgaria you shall present to us all documents in original, necessary for establishing the respective event and the amount of the insurance payment, in the cases when you have paid with your own funds for the medical services used by you. If the documents are in a language other than English, German or Russian, you shall submit them with an official translation into Bulgarian. In case you fail to do this, we shall perform the translation of the documents and the translation expenses shall be deducted from the amount of the compensation.
You shall be obliged to comply with the above instructions, as their exact implementation is a condition preceding any of our liability for the insurance event and the implementation of payments related thereto.
The necessary documents for filing a claim against us for reimbursement of expenses incurred by the insured person depend on the event and the risk covered. You can find them in Appendix 1. “What are the documents and information you need to provide us to make a claim?” to these General Terms and Conditions.

Section VIII. What are our obligations? How do we determine the insurance indemnity?

In the event of an insurance event, we shall pay insurance indemnities up to the limits agreed in the policy for the individual risk coverage. We shall make payments within the terms according to the Insurance Code.
The filing of the insurance claim shall be carried out by the Assistance company and under our control.
In case the expenses and the values of the used services exceed the respective limits of liability agreed in the policy, the difference between the actual value of the used services and the limit under the policy shall be at the expense of the Insured. The insured shall pay this difference directly to the organization that provided the service. In exceptional cases, the Insured may pay the amount to the Assistance Company, which shall perform the settlement with the organization that has provided the respective service.
We shall have the right to refuse, in whole or in part, the satisfaction of the claim brought against us:

64.1. In all cases where one or more of the exceptions to these General Terms and Conditions or the applicable Special Conditions apply;

64.2. When the Insured has not fulfilled, or has incorrectly fulfilled his obligations under these General Terms and Conditions, the Insurance Code or other normative documents.

64.3. In case of a deliberately incorrectly declared or concealed circumstance by the Insured of significant importance for the risk, which has had an impact on the occurrence of the insured event. 64.4. when the Insured has intentionally caused or participated in the causing of the insured event.

64.5. In case the Insured provides false information, uses a document with false content, false or forged document in order to obtain compensation or amount under the insurance. The Insured shall pay a refund of the amounts paid, if the above circumstances are established after the insurance payment is made.

64.6. In case of non-fulfillment by the Insured of his obligations to present the documents required by us and when this has led to impossibility to determine the type or amount of the damage.

Section IX. What else do you need to know about the insurance?

Important about your right to obtain an indemnity and the consequences of paying the indemnity.

Your rights under the policy for payments under the risk “Death by accident” shall expire upon the expiration of five years from the date of occurrence of the insured event. For the remaining risks, your rights shall be extinguished with a three-year limitation period from the date of occurrence of the insurance event.
If a third party is responsible for the damage caused, we shall intervene in your rights against that third party up to the amount of the paid indemnity and the costs incurred for the determination of the indemnity.
You shall be obliged to assist us in exercising our rights against the person who caused the damage.
The waiver of your rights against third parties has no force against us in the exercise of our recourse rights.

How do we process your personal data?

We shall undertake to process all personal data provided to us in connection with the insurance contract in accordance with the provisions of the Personal Data Protection Act and the General Data Protection Regulation (EU) 2016/679.

How are disputes resolved on your claims?

Any and all matters and disputes between you and us in connection with the insurance relationship shall be resolved voluntarily, through negotiations, in a spirit of cooperation and in accordance with these General Terms and Conditions and the applicable legislation.
Objections against our decisions on claims shall be submitted online through our contact form on www.generali.bg, to the Central Office, directly or through our respective representation. 72. The disputes may be brought for resolution before the competent Bulgarian court in case of disagreement on a voluntary basis regarding claims between the parties under this insurance.
The Insurance Code and the other applicable legislation of the Republic of Bulgaria shall apply to any and all matters not settled under these General Terms and Conditions and under the insurance contract.
We shall apply Article 72 of the Obligations and Contracts Act for the counting of the terms under these General Terms and Conditions, when not explicitly indicated otherwise in the General Terms and Conditions. Wherever the time limits under these General Terms and Conditions are set in days, we mean calendar days and not working da
These General Terms and Conditions, the policy and the endorsemets thereto represent the content of the insurance contract.
Any amendment or replacement of the General Terms and Conditions with new General Terms and Conditions during the validity of the insurance contract shall be valid for you only if the amendments or the new General Terms and Conditions have been given to you and you have confirmed the amendments or the new General Terms and Conditions in writing.
These General Terms and Conditions may be extended by special conditions specified in the policy through negotiation.
These General Terms and Conditions may also be provided to you in English translation. The Bulgarian text shall prevail in case of discrepancies between the Bulgarian and English text.

These General Terms and Conditions for Medical Travel Insurance with Assitance have been adopted by a decision of the Management Board of Generali Insurance AD under Minutes No. 43 of 28th December 2016, in force as of 1st January 2017, amended and supplemented with Minutes No. 7 of 28th February 2019, in force as of 1st April 2019, amended and supplemented with Minutes No 46 of 23.12.2020, amended and supplemented with Minutes No 12 from 17.03.2021 г. in force as of 1st April 2021, amended and supplemented with Minutes No 26 from 16.06.2021 г. in force as of 1st July 202;. amended and supplemented with Minutes No 52 from 13.12.2023 г. in force as of 11th September 2024

Appendix 1.

What are the documents and information you need to provide us to make a claim? For each claim, you shall submit:

✓Written request for payment according to our model form; ✓The insurance policy;

MAIN COVERAGE:

Medical expenses due to an accident or acute illness and expenses for emergency dental treatment

✓Originals of bills, invoices, fiscal vouchers for the incurred expenses; ✓Upon payment by bank transfer with a credit/debit card, a bank statement;

✓Medical report/Medical Case Summary/Ambulatory sheet with data for diagnosis, case history, performed laboratory examinations and tests, etc.;

✓Examination results (laboratory, X-ray, etc.); ✓Prescription with prescribed medication; ✓Bank account

✓A copy of the Birth Certificate and a bank account in BGN of one of the parents, if the injured person is a minor;

ADDITIONAL COVERAGE: Accident Clause

In case of death by accident the documents shall be provided by the legal heirs: ✓Copy of Death Certificate;

✓Copy of death report (Мedical report/Case history containing data on the cause of death);

✓A copy of a police report if the death occurred as a result of a road traffic accident; ✓Results of blood tests for the presence of alcohol or drugs, if the insured was a

driver of the vehicle and the death occurred as a result of a road traffic accident; ✓Copy of Certificate of Inheritance;

✓Bank accounts of all legal heirs;

In case of permanent work incapacity due to an accident

✓Copy of the Decision of the Territorial Expert Medical Commission/National Expert Medical Commission for primary certification and a certain percentage of permanently reduced working capacity;

✓ Medical report/Medical Case Summary/Case history, containing an accurate diagnosis and prescribed treatment;

✓Bank account Personal Liability clause

✓Document issued by a competent authority (police, prosecutor’s office, investigation or court) regarding the circumstances of the occurrence;

✓Original document proving payment of compensation to third injured parties (if any); Legal Aid Clause

✓Document issued by a competent authority (police, prosecutor’s office, investigation or court) regarding the circumstances of the occurrence

✓Contract for legal protection and assistance, concluded with a lawyer

✓Original document for payment made under the Contract for legal protection and assistance (if such has been made)

Reduction or Extension of Stay Clause Upon shortening the stay ✓Copy of Death Certificate

✓Copy of case history for in-patient stay

✓Kinship document (eg birth certificate, civil marriage certificate) ✓Original of: boarding passes from the realized regular flight

✓Originals of invoices, receipts, fiscal vouchers for purchased travel ticket or for paid ticket revalidation fee

✓Upon payment by bank transfer with a credit/debit card, a bank statement Upon extension of the stay

✓Original invoice for overnight accommodation

✓Medical report/outpatient list (with data on diagnosis, prescribed treatment), results of performed examinations,appointed by the attending physician,proving the need to extend the stay abroad

Secure Wallet Clause

✓Document from the relevant police department for the occurrence of the event; ✓Document/official note from the bank confirming the request for blocking the bank

occurrence of the accident and the circumstances for its occurrence;

✓Document issued by a competent authority under local law on the guarantee of release;

✓Contract for legal protection and assistance concluded with a lawyer;

✓Original document for payment made under the contract for legal protection and assistance (if such has been made);

Ski and Snowboard Package Ski/snowboard equipment

✓Police report in case of burglary or attempted burglary, perishing;

✓Medical documentation (report/case history/outpatient list) or a document from the Mountain Service about the accident;

Rental replacement ski/snowboard equipment

✓Police report in case of burglary or attempted burglary, perishing;

✓Medical documentation (report/case history/outpatient list) or a document from the Mountain Service about the accident;

✓Originals of invoices, fiscal receipts, receipts, vouchers for expenses for rental of ski equipment;

Ski Pass

✓Medical documentation (report/case history/outpatient list) for evidence of an accident or acute illness;

✓Originals of invoices, fiscal receipts, vouchers, receipts for expenses for the purchase of a ski package or rental of ski equipment;

Flight Package

Delay or cancellation of a scheduled flight

✓A document from the airline proving the delay or cancellation of the scheduled flight; ✓Regular flight tickets;

✓Original of: boarding passes from the realized flight;

✓Originals of invoices, bills, receipts, vouchers, fiscal receipts for unforeseen expenses /food, medicine, drinks or hotel/;

Missed connecting scheduled flight

✓A document from the airline proving the delay of the previous scheduled flight; ✓Regular flight tickets;

✓Original of: boarding passes from the realized flight;

✓Originals of invoices, bills, receipts, vouchers, fiscal receipts for unforeseen expenses incurred at the transfer point /food, medicine, drinks or hotel/;

Delay of checked baggage when traveling by air

✓Property irregularity report issued by the relevant airport services (Lost and Found); ✓Original of boarding passes from the realized regular flight;

✓Original labels of checked baggage;

✓Originals of invoices, bills, receipts, vouchers, fiscal receipts for expenses for basic necessities /clothes, shoes and toiletries/;

✓Document for delivery of luggage;

Loss of checked baggage when traveling by air

✓Property irregularity report issued by the relevant airport services (Lost and Found); ✓Original of: boarding passes from the realized regular flight;

✓Original of: Labels of checked baggage;

✓Originals of: invoices, bills, receipts, vouchers, fiscal receipts for expenses incurred for basic necessities /clothes, shoes and toiletries/;

card;

✓Originals of invoices, receipts, bills, vouchers, fiscal receipt for reissuance of personal documents and/or bank cards;

✓Bank statement from your card bank account, certifying the amount, date and time of unauthorized payment transactions;

✓A document from the bank certifying the refusal and refund of the amounts for the unauthorized operations;

Kidnapping Clause

✓Document on the circumstances of the occurrence, issued by a competent authority (Embassy of the Republic of Bulgaria, police, prosecutor’s office, investigation, court)

✓Medical reports, case history, examination results confirming bodily injuries ✓Originals of invoices, bills, receipts, vouchers, fiscal receipt for the medical expenses

incurred

Missed Event Clause

✓Original of the unused ticket for the event

✓ Medical reports, case history, ambulatory sheets proving the occurrence of an accident or acute illness

✓Copy of Death Certificate

✓Kinship documents (eg birth certificate, civil marriage certificate) On the Road Package

Hotel expenses in case of a road traffic accident

✓Originals of invoices, receipts, bills, vouchers, fiscal receipts for hotel accommodation ✓Free text statement on the circumstances of the occurrence

✓In the event of a collision with another vehicle – a bilateral protocol or other document certifying the occurrence of the event (police protocol and other applicable documents, in accordance with the traffic act of the country)

Refuelling the wrong fuel in the vehicle

✓Free text statement on the circumstances of the occurrence;

✓Originals of invoices, receipts, bills, vouchers, fiscal receipts for car rental, repatriation of vehicles with a specialized vehicle to a repair shop, transport by taxi to a repair shop, labor expenses for draining the wrong fuel and its disposal, issued by the relevant repair shop;

Loss of a vehicle key

✓Free text statement on the circumstances of the occurrence;

✓Originals of invoices, receipts, bills, vouchers, fiscal receipts for transport by taxi to a repair shop;

✓Originals of invoices for unlocking vehicles, changing and repairing locks; Legal aid and guarantee for release in case of a road traffic accident

✓ Police report or other document issued by the relevant institutions proving the