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Bulgaria - Insurance

expatriate insurance quotes

Health insurance abroad is essential for any expat. In addition to expat healthcare insurance rates, insurance providers or online insurance comparison sites can provide life assurance quotes and auto insurance rates to provide you with overseas coverage. However, remember that cheap insurance may not represent the best value for money if you need to make a claim - as an expat you may require specialist expatriate insurance cover abroad.

To request free, no-obligation quotes from leading insurers, please visit our expat insurance page

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

Read more about this country

Expat Health Insurance Partners


Our award-winning expatriate business provides health benefits to more than 650,000 members worldwide. In addition, we have helped develop world-class health systems for governments, corporations and providers around the world. We want to be the global leader in delivering world-class health solutions, making quality health care more accessible and empowering people to live healthier lives.


Health is your number one priority. At Aviva we understand this, which is why we’re focused on helping you and your family access high quality healthcare at home or overseas. Our award winning medical insurance will help you get the treatment you need or simply provide guidance and advice wherever you are, 24/7.

Bupa Global

At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.


Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.