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Foreign residents in Bulgaria will need various types of insurance - the following are advisable for most people, depending on circumstances:

Life Insurance

This is likely to be a condition of your mortgage, if you have one, but may be worth considering even if this is not the case. Check with your provider for more details

Property Insurance

Insuring your property against fire, flood, accidental damage etc. is always worthwhile. For those buying property, this type of buildings cover is compulsory - once you obtain your Notary Deed, you submit it to your insurer together with your application form.

Contents Insurance

This can be expensive in Bulgaria, and insurance companies pay out for listed items with proof of purchase only. It is therefore advisable to take out cover only for items like electrical goods and large furniture.

Medical Insurance

Proof of medical insurance is a condition of entering the country and part of the visa application process. For expats transferring to Bulgaria with an existing employer, it is vital to check on your current health insurance, to find out what is or is not covered during your time in Bulgaria. It may be necessary to take out additional cover with your existing insurer, or begin a new policy with a different provider. If so, look for a company that specialises in international insurance and check what medical treatment and expenses are covered.

A list of insurance companies and brokers in Bulgaria can be found at: http://www.need.bg/en/?c=3

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