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Emigrating to Bulgaria: How to best secure your health insurance!
Emigrating to Bulgaria is a big step. An important aspect is health insurance. What options do you have? What do you need to consider? Get informed now and secure yourself. Do you need personal advice? Get in contact with us here.
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Emigrating to Bulgaria is a big step. An important aspect is health insurance. What options do you have? What do you need to consider? Get informed now and secure yourself. Do you need personal advice? Get in contact with us here.
Emigrating to Bulgaria is a big step. An important aspect is health insurance. What options do you have? What do you need to consider? Get informed now and secure yourself. Do you need personal advice? Get in contact with us here.
Emigrating to Bulgaria is a big step. An important aspect is health insurance. What options do you have? What do you need to consider? Get informed now and secure yourself. Do you need personal advice? Get in contact with us here.
Planning your move to Bulgaria? Learn how to ensure seamless health insurance coverage and what options are available for German expatriates.
Are you planning to emigrate to Bulgaria? Health insurance is a key factor in this process. At GoMovin, we understand that an international move raises many questions. That's why we want to help make the process as stress-free as possible. With our expertise in relocation, we support individuals, families, and businesses in moving their lives internationally. Comprehensive planning of health insurance is essential to ensure you are well-protected from the start in your new home.
In this article, you'll learn what to consider for health insurance in Bulgaria, the options available for German emigrants, and how to optimise your healthcare. We provide an overview of the Bulgarian healthcare system, the different insurance models, and important tips for choosing the right policy. This way, you can focus on your new life in Bulgaria with peace of mind.
GoMovin offers you an all-in-one solution for international relocations, including personal advice, legal support, property services, and cultural integration. We are your partner for a successful start in Bulgaria.
Bulgarian health system: Private supplementary insurance improves care
The Bulgarian healthcare system is an important aspect to consider when moving abroad. It consists of a state-provided primary care and a private sector. State care is often financially limited, while private healthcare offers higher quality but is associated with higher costs. It's crucial to understand the differences and similarities between both systems to make the right decision for your healthcare needs.
One of the challenges in Bulgaria is access to healthcare in rural areas. It can be difficult to find qualified doctors and modern medical facilities here. Language barriers can also be an issue, especially if you don't speak Bulgarian. Additionally, there are quality differences compared to Germany. Therefore, it's advisable to take out private supplementary insurance to ensure comprehensive healthcare. Allianz Care provides information on the healthcare system in Bulgaria.
When planning your move to Bulgaria, it's important to familiarize yourself early with the healthcare system and assess which insurance options are suitable for you. Good preparation is the key to a worry-free start in your new home.
Mandatory health insurance: How to ensure you are covered as a resident
In Bulgaria, there is a compulsory health insurance for all permanent residents who are not insured in another EU country. This means that you must get health insurance in Bulgaria after your relocation, unless you continue to be covered by your German health insurance. Contributions to the Bulgarian health insurance are deducted directly from the salary.
The state health insurance covers outpatient treatments, specialized medical assistance, and medication for home care. However, you should expect to make co-payments. For example, in 2023, these amounted to approximately 1.50 EUR for a doctor's visit and about 5.80 EUR per day in the hospital. It is important to note that membership in the health insurance is mandatory if you have your permanent residence there and are not insured in another EU country.
If you move to Bulgaria, you should therefore inform yourself in good time about the legal requirements for health insurance and register with the relevant authorities. This ensures that you are optimally cared for in the event of illness and that no unnecessary costs arise.
German Emigrants: Choose the Right Insurance Option
As a German expat in Bulgaria, you have various insurance options to choose from. One possibility is the European Health Insurance Card (EHIC). This card grants you access to basic healthcare in Bulgaria, but it is not sufficient for longer stays. An overseas health insurance is recommended for the transitional period.
Another option is international health insurance. This offers more comprehensive cover than the EHIC, allowing you free choice of doctors, extended emergency services, and language support. However, the costs for international health insurance are generally higher than those for the EHIC or Bulgarian health insurance. There are also special offers for German expat insurance in Bulgaria, tailored to the needs of German expats. These include, for instance, free choice of doctors, extended emergency services, and language support.
Registration for Bulgarian health insurance requires contributions based on income. It is important to carefully consider the different options and choose the one that best suits your individual needs and risk profile.
Health Insurance: How to Make the Right Choice
The choice of the right health insurance is crucial for a worry-free stay in Bulgaria. You should consider your individual needs and risk profile. Ask yourself what is important to you: age, health status, intended length of stay, personal preferences – all of these play a role in choosing the right insurance.
Compare the scope of benefits and costs of different policies. Does the insurance offer basic protection or comprehensive coverage? What exclusions are there (e.g., dental treatments, pregnancy)? What is the duration of the insurance and are there extension options? Pay attention to the assistance services as well. Does the insurance provide emergency support, such as medical transport, appointment scheduling or translation services? Read the fine print and watch out for conditions and exclusions, such as age restrictions, pre-existing conditions or deductibles.
By considering these aspects, you can ensure that you select the right health insurance for your needs and receive optimum care in the event of illness.
Before Emigrating: Plan Health Insurance Thoroughly
Before your emigration to Bulgaria, there are some important steps to consider to plan your health insurance seamlessly. Cancel your German health insurance in good time to ensure continuous coverage. Check the deadlines and formalities with your health insurance provider.
Take out international health insurance to be temporarily covered. This is particularly important if you do not yet qualify for Bulgarian health insurance. Arrange the international health insurance before your departure, while you still have a German residence. Clarify your social insurance status. Obtain information from your health insurance provider and Bulgarian authorities to ensure you have taken all necessary steps.
By following these steps, you can ensure that during your emigration to Bulgaria and in your new home, you are optimally insured at all times. The German Embassy Sofia also offers information and support.
Health Insurance for Pensioners: How to Stay Optimally Covered
For pensioners who are emigrating to Bulgaria, there are certain aspects of health insurance to consider. Clarify your entitlements to a German pension and health insurance. Find out about the possibilities of continuing insurance in Germany or Bulgaria.
There are special offers and regulations for German pensioners in Bulgaria. Have your personal situation assessed and adjust your insurance accordingly. Ensure that your insurance guarantees comprehensive healthcare, even in old age. The GoMovin page for pensioners in Bulgaria provides additional information.
Good planning and choosing the right insurance are crucial to being well cared for in retirement in Bulgaria.
Moving abroad worry-free: Health insurance as the key to success
An extensive health insurance is essential for a worry-free stay in Bulgaria. Both state and private options are available to you. Careful planning and comparing various offers are crucial to making the right choice.
At GoMovin, we are pleased to assist you with our expertise. We help you find the right health insurance and plan all necessary steps for your emigration. This way, you can focus on your new life in Bulgaria with ease.
The European Commission provides information on your rights in Bulgaria. Contact us today to start your personalised consultation and make your move to Bulgaria stress-free. Get in touch now!
Further useful links
The Allianz Care offers information on the healthcare system in Bulgaria.
The Deutsche Botschaft Sofia also provides information and support for expatriates.
The Europäische Kommission provides information on your rights in Bulgaria.
FAQ
What health insurance do I need as a German expat in Bulgaria?
For the transition period, it's advisable to have international health insurance. For longer stays, a Bulgarian health insurance is required. A private supplementary insurance can enhance medical coverage.
Am I automatically insured in Bulgaria as an EU citizen?
EU citizens can use the European Health Insurance Card (EHIC) for basic healthcare. However, for a permanent stay, a local health insurance is necessary.
How much does private health insurance in Bulgaria cost?
The costs of private health insurance in Bulgaria vary. Basic policies start at around €10 per month, while more comprehensive policies can cost up to €50 per month.
What services does the state health insurance in Bulgaria cover?
The state health insurance covers outpatient treatments, specialized medical assistance and medications. However, co-payments may apply.
How do I enroll in the Bulgarian health insurance?
Enrollment in the Bulgarian health insurance requires income-based contributions. Information is available from the relevant Bulgarian authorities.
What happens to my German health insurance when I move to Bulgaria?
Your German health insurance automatically ends upon emigration. Cancel your insurance in time and plan for seamless coverage.
Do I need special health insurance in Bulgaria as a pensioner?
As a pensioner, you should clarify your entitlements to German pension and health insurance. There are special offers for German pensioners in Bulgaria.
What should I consider regarding my health insurance before emigrating?
Cancel your German health insurance, take out international health insurance, and clarify your social security status.
