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Bulgaria – Health Insurance

Bulgaria has a universal healthcare system that is funded through mandatory contributions from employees and employers. In this article, we will look at how the health insurance system works in Bulgaria, what it covers, and the advantages of international private medical insurance for expats living in the country.

Health Insurance Requirements in Bulgaria

Health insurance is mandatory for all residents in Bulgaria, including foreigners with long-term visas or work permits. The Bulgarian healthcare system is based on a mandatory social insurance model, which means that contributions are made by both employers and employees.

State Health Insurance System in Bulgaria

The state health insurance system in Bulgaria provides coverage for a wide range of medical services, including hospitalization, specialist consultations, diagnostic tests, prescription drugs, and medical procedures. The system is funded by mandatory contributions from employees and employers, and it covers all residents of Bulgaria, regardless of their age, income, or health status.

Under the state health insurance system, patients are required to pay a small co-payment for some medical services, such as outpatient consultations and prescription drugs. The co-payment amount varies depending on the type of service and the individual’s income level. However, there are no co-payments for emergency care or hospitalization.

Applying for State Health Insurance System in Bulgaria (provide answer in numbered steps)

  1. Obtain a Bulgarian Personal Identification Number (PIN) from the local Migration Directorate or the Ministry of Interior.
  2. Register with the National Revenue Agency (NRA) to obtain a Unique Identification Code (UIC).
  3. Find a local branch of the National Health Insurance Fund (NHIF) and complete an application form to enroll in the state health insurance system.
  4. Provide a copy of your Bulgarian ID card or passport and your NRA registration certificate.
  5. Pay the mandatory health insurance contributions, which are calculated based on your income level.

Advantages of Private Medical Insurance in Bulgaria

While the state health insurance system in Bulgaria provides comprehensive coverage, there are some advantages to purchasing international private medical insurance for expats living in the country. Some of these advantages include:

More comprehensive coverage


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International private medical insurance policies often provide more comprehensive coverage than the state health insurance system. This can include coverage for dental care, vision care, and alternative therapies that are not covered under the state system.

More flexibility

With international private medical insurance, expats have more flexibility in choosing their healthcare providers and treatment options. They can also choose to receive treatment in other countries if they are not satisfied with the quality of care in Bulgaria.

English-speaking doctors and staff

Many international private medical insurance providers offer access to English-speaking doctors and staff, which can be beneficial for expats who are not fluent in Bulgarian.

Peace of mind

Having international private medical insurance can provide expats with peace of mind knowing that they are covered for any medical emergencies or unexpected illnesses that may arise while living in Bulgaria.

In conclusion, health insurance is mandatory in Bulgaria, and the state health insurance system provides comprehensive coverage for all residents. However, expats living in the country may benefit from purchasing international private medical insurance for more comprehensive coverage, flexibility, and peace of mind.


Latest Videos

In this short video, we dive into the significant health care updates and changes happening globally in 2024. From Germany's insurance cost adjustments to Cyprus's renewed COVID-19 precautions, we cover the essential news you need to know.  Germany's Health Insurance Update:  Starting in 2024, residents in Germany will see a slight increase in their health insurance costs, with a 0.1% rise to a maximum of 1.7%. This adjustment aims to expand coverage for medical care not currently included in statutory health insurance, such as select dental treatments, IVF, and early cancer screenings.  COVID-19 Measures Reintroduced in Cyprus:  With over 3000 new COVID-19 cases, Cyprus is stepping up its game by reintroducing health measures. Requirements now include proof of a negative COVID-19 test for entry into various facilities, emphasizing the importance of vaccination, especially for the elderly, to combat the evolving virus strains.  Free Health Trials in Trieste, Italy:  Trieste launches an initiative for free health screenings, including echocardiograms and blood tests, focusing on preventive care against non-communicable diseases. This move underscores the city's commitment to improving public health through early detection and prevention.  Spain's New Health Advice App:  Madrid introduces a groundbreaking app offering reliable health advice to counteract the widespread misinformation online. This app, part of the 'Madrid Te Cuida' initiative, will guide users to accurate information, from diet tips to medical queries, ensuring the advice is vetted by health professionals.  Expat Satisfaction with Healthcare in Mexico:  A study reveals that expat retirees in Mexico are largely content with the healthcare quality and costs, with many citing significant savings compared to the United States without compromising on care quality. This insight sheds light on the growing trend of healthcare tourism and relocation for medical reasons.  Stay tuned as we unpack these updates, providing you with the insights and implications of these healthcare changes. Whether it's the impact on your wallet or the quality of care you can expect, we've got you covered in this comprehensive overview of health care in 2024. Don't forget to like, share, and subscribe for more health news around the globe!

In this short video, we dive into the significant health care updates and changes happening globally in 2024. From Germany's insurance cost adjustments to Cyprus's renewed COVID-19 precautions, we cover the essential news you need to know.

Germany's Health Insurance Update:

Starting in 2024, residents in Germany will see a slight increase in their health insurance costs, with a 0.1% rise to a maximum of 1.7%. This adjustment aims to expand coverage for medical care not currently included in statutory health insurance, such as select dental treatments, IVF, and early cancer screenings.

COVID-19 Measures Reintroduced in Cyprus:

With over 3000 new COVID-19 cases, Cyprus is stepping up its game by reintroducing health measures. Requirements now include proof of a negative COVID-19 test for entry into various facilities, emphasizing the importance of vaccination, especially for the elderly, to combat the evolving virus strains.

Free Health Trials in Trieste, Italy:

Trieste launches an initiative for free health screenings, including echocardiograms and blood tests, focusing on preventive care against non-communicable diseases. This move underscores the city's commitment to improving public health through early detection and prevention.

Spain's New Health Advice App:

Madrid introduces a groundbreaking app offering reliable health advice to counteract the widespread misinformation online. This app, part of the 'Madrid Te Cuida' initiative, will guide users to accurate information, from diet tips to medical queries, ensuring the advice is vetted by health professionals.

Expat Satisfaction with Healthcare in Mexico:

A study reveals that expat retirees in Mexico are largely content with the healthcare quality and costs, with many citing significant savings compared to the United States without compromising on care quality. This insight sheds light on the growing trend of healthcare tourism and relocation for medical reasons.

Stay tuned as we unpack these updates, providing you with the insights and implications of these healthcare changes. Whether it's the impact on your wallet or the quality of care you can expect, we've got you covered in this comprehensive overview of health care in 2024. Don't forget to like, share, and subscribe for more health news around the globe!

YouTube Video UCB21b-C4O2aXm7H18_GsXMQ_nC_Fs6gU22U

Expat Focus International Healthcare Update January 2024

Expat Focus 31 January 2024 10:36 am

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