The European Health Insurance Card (EHIC) is your key to accessing essential healthcare services across Europe. Whether you are a Bulgarian resident or a foreigner living in the country, understanding the EHIC is crucial for your well-being. This guide explains the EHIC’s benefits, the application process in Bulgaria, what it covers, and key considerations to keep in mind.
What is the EHIC?
The EHIC is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, as well as Iceland, Liechtenstein, Norway, and Switzerland. With the EHIC, you can receive treatment under the same conditions and costs (sometimes free) as residents of the country you are visiting.
Covered treatments include:
- Emergency care
- Treatment of chronic or pre-existing illnesses
- Pregnancy and childbirth
Who is Eligible for an EHIC in Bulgaria?
You can apply for an EHIC in Bulgaria if you fall under one of the following categories:
- Bulgarian citizens
- Citizens of other EU/EEA countries who are health insured in Bulgaria
- Non-EU citizens employed in Bulgaria who have paid health insurance contributions for at least three months
How to Apply for an EHIC in Bulgaria
You can apply for the EHIC through two main methods:
- Online Application:
- Visit the National Health Insurance Fund (NHIF) website.
- This option requires an electronic signature to complete the process.
- In-Person Application:
- Apply at any NHIF office.
- Alternatively, submit your application at branches of First Investment Bank.
Documents Required for Your Application
- A valid identity document (passport or ID card)
- Social Security number (if applicable)
Important Notes for Foreigners in Bulgaria
- Health Insurance Contributions: Non-EU citizens must have paid health insurance contributions for at least three months before applying. Without these contributions, your health coverage in Bulgaria will be suspended, and your EHIC application will be denied.
- Residency Requirements: Ensure your residency and health insurance status are up to date before applying for the EHIC.
What Does the EHIC Cover?
The EHIC covers medically necessary healthcare during temporary stays abroad, including:
- Emergency treatment
- Chronic illness care
- Pregnancy and childbirth
- Medically necessary treatments like dialysis, oxygen therapy, or chemotherapy
What Does the EHIC NOT Cover?
The EHIC has limitations, and you should be aware of the following exclusions:
- Private healthcare
- Repatriation costs
- Non-urgent treatments (e.g., elective cosmetic surgery)
- Planned treatment abroad without prior NHIF authorization
Important Tips
- The EHIC is not a substitute for travel insurance. While the card provides access to state healthcare, travel insurance can cover additional costs like private care, repatriation, or lost luggage.
- Moving abroad? If you plan to relocate to another EU/EEA country, you should register with Form S1 for long-term healthcare coverage instead of relying on the EHIC.
- Keep your EHIC current. Ensure your card is valid before traveling and renew it as needed.
FAQs
1. What happens if I lose my EHIC abroad?
- Contact the NHIF to request a Provisional Replacement Certificate (PRC), which offers the same benefits as the EHIC.
2. Can I use the EHIC for dental care?
- The EHIC only covers dental care deemed medically necessary by local healthcare providers.
Disclaimer
The information provided in this post is for general guidance and does not constitute professional legal advice. Procedures and regulations can change; please consult the National Health Insurance Fund (NHIF) or their official website for the most up-to-date information.
How We Can Help
Do you need assistance applying for your EHIC in Bulgaria? Our team provides personalized support to:
- Verify your eligibility
- Navigate the application process (online or in-person)
- Ensure you have all necessary documents
- Resolve issues related to suspended health insurance
Contact us today for expert guidance tailored to your needs.
Additional Resources
- National Health Insurance Fund (NHIF):
- Website: https://www.nhif.bg/en
- Telephone: +359 2 965 9116
- Hotline: 0800 14 800
- European Health Insurance Card – Bulgaria: