Compare Health Insurance in Bulgaria

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20 live offers compared from 4 providers, from BGN 0. Updated daily.

What is health insurance in Bulgaria?

Bulgaria has a national health system funded through the National Health Insurance Fund (NHIF/NZOK), to which employees, employers and the self-employed contribute. Private (voluntary) health insurance sits on top of this, giving faster access to specialists, private clinics, planned procedures and services the NHIF does not fully cover. Voluntary policies (доброволно здравно осигуряване) are bought individually or provided by employers as a benefit, and are popular for cutting waiting times and widening choice of provider.

How the Bulgarian market works

The mandatory NHIF is a state scheme, while voluntary health insurers are licensed and supervised by the Financial Supervision Commission (FSC/KFN) under the Insurance Code. Private policies contract with networks of clinics, hospitals and pharmacies. Coverage typically includes outpatient care, hospital treatment, diagnostics, dental and medicines, depending on the plan. Premiums are set in lev, with the euro peg at 1.95583 and euro adoption planned.

Benefits

Faster access — private cover shortens waits for specialists and planned procedures compared with the state route.

Choice of provider — treatment at private clinics and hospitals within the insurer's network.

Broader services — plans can include dental, diagnostics, prescriptions and preventive check-ups.

Employer benefit — group schemes give staff cover at a lower per-person cost.

How to choose

Confirm what the plan covers beyond the NHIF — outpatient, hospital, dental, medicines and diagnostics vary by product. Check the network of clinics and hospitals, annual limits per service, and any waiting periods or exclusions for pre-existing conditions. Compare individual versus group cover if your employer offers a scheme. Read how claims and reimbursements work, and whether treatment is cashless within the network or paid and reclaimed.

Leading providers in Bulgaria

DZI, part of KBC, is a major voluntary health insurer, alongside Allianz Bulgaria Insurance and Generali Bulgaria, both backed by large international groups. Bulstrad Vienna Insurance Group also offers health cover. All are FSC-supervised, contract with clinic and hospital networks across the country, and sell individual and employer group plans. Comparing network coverage and included services is the key differentiator.

What it costs

The mandatory NHIF is funded by income-based contributions, separate from any private policy. Voluntary premiums depend on age, the cover level, services included and annual limits, with employer group schemes cheaper per person than individual cover. Higher limits, dental and medicine cover raise the premium. Some plans require co-payments or have per-service caps. Compare the annual premium against the services and limits you will realistically use.

Protections and regulation

Voluntary health insurers are supervised by the Financial Supervision Commission under the Insurance Code, which governs contract terms, disclosures and claims. The mandatory NHIF operates under separate public health-insurance law. Private cover complements but does not replace the state system — you remain within the NHIF while holding a voluntary policy. Check exclusions, waiting periods and pre-existing-condition terms carefully before buying.

Common questions

Does private insurance replace the NHIF? No — it sits on top of the mandatory national scheme, adding speed, choice and extra services.

Are pre-existing conditions covered? Often subject to exclusions or waiting periods; check the wording before you buy.

Is treatment cashless? Within the insurer's network it often is; outside it you may pay and claim reimbursement — confirm the process.

Health Insurance in Bulgaria — FAQ