Physical Health

All employees are automatically enrolled in health insurance. This is a comprehensive medical plan provided by Bulstrad Life which includes cover for outpatient care, prescription medicines & vision care, inpatient care, and dental care.

Information on how you can enrol in these benefits can be found on this website.

You can find more information on the plan here (EN/BGN).

Family members are classed as spouses, domestic partners, parents up to 70 years old and children up to 18 years old or 26 years old if in education.

You can add your family members to the insurance plan at your own cost. This is deducted monthly from your salary. The cost per family member is shown below.

Cost per Family member:

• Annual Cost: 798.05 BGN
• Monthly cost: 66.50 BGN

Please note that this can be increased by Bulstrad Life by 50% or 100% depending on the outcome of the health risk assessment and if the risk is very high they can refuse to enrol the family member.

To enrol your family members in the plan you must do the following:

1. Complete and sign an application form (EN/BGN). For children add parent and child names on this.
2. Provide a health declaration form for each member (EN/BGN).
3. Provide a Bulstrad privacy declaration (EN/BGN).
4. For adult family members, provide a Marins consent declaration (this must be signed by the adult family member) (EN/BGN).
5. For children, provide a Marins consent child declaration (this must be signed by you (the employee)) for your children (EN/BGN).
6. Send all these documents by email to our broker, Marins Bulgaria – Employee_benefits@marins.bg.

Please protect your documents with a password.

The forms will then be reviewed and sent to Bulstrad for a final decision. You will then be contacted directly by Marins with the final outcome and cost.
If you wish family members who have cover with Generali to continue to have cover with Bulstrad life without any interruption the above documents must be sent to Marins by 20th November 2024.

When will my family members cover start?

• If you wish to have their cover start from 1st December you must complete and return the documents detailed above for each member by 20th November 2024.
• Cover will start on 1st January 2025 for documents submitted between 21st November and 20th December.
• Cover will start on 1st February 2025 for documents submitted between 21st December and 20th January 2025.
• Documents received after this date will not be processed.
• New employees can enrol their family members within 1 month from their hire date.
• Newborns can be enrolled within 1 month of their birth date.
• Please note that family members cannot be removed from cover until the end of the plan year (31st November 2025).

How do I make a claim?
Claims can be made online via the B-Assist app or web portal or by completing a paper form. More information on how to claim can be found here (EN/BGN).

What happens if you leave?
If you leave your employment both you and your family members cover will be terminated on your last day of employment.

Who do I contact if I have any issues with this benefit?
Marins, our local broker can support you with:

• claims preparation
• claims negotiation assistance
• consultancy on the benefits and how to use them
• if you cant reach Bulstrad’s call centre
• if you face any difficulties with a medical service provider in the network

You can contact them via:
Live Chat: marins.bg
Email: employee_benefits@marins.bg