Examples

In-Patient Package

• The In-Patient Package covers all expenses for hospital treatment.
  • The personal limit of the reimbursable health care expenditures may vary from BGN 3 000 to BGN 25 000 according to the selected option.

I . Examples of 0% co-insurance of the Insured, i.e. United Health Insurance covers 100% of the hospital medical expenditure:

1. The Insured may select in which hospital to receive medical treatment. Before making their choice they may contact United Health Insurance in order to receive additional information, regarding the possible alternatives and the most suitable for them medical specialists and hospitals.
2. The Insured notify United Health Insurance of their choice. The company then contacts the chosen hospital and guarantees the patient is insured and that United Health Insurance will cover 100% of the medical expenses.
3. United Health Insurance coordinates the admission day with the hospital and the Insured.
4. During the hospital stay United Health Insurance maintains constant contact with the health care facility and the Insured for any necessary support.
5. United Health Insurance provides assistance to the medical facility for completion of the necessary documents after the patient's discharge from hospital.
6. United Health Insurance pays all medical expenses directly to the hospital.
7. The personal limit of the Insured is reduced by the sum, paid by United Health Insurance to the hospital.

Out-patient Package

• The Out-Patient Package provides coverage of outpatient care expenditures, for both examinations and tests.
  • The personal limit of the reimbursable health care expenditures for medical examinations may vary from BGN 500 to BGN 3 000 per month according to the selected option.
  • The personal limit of the reimbursable health care expenditures for medical testing (apparatus, laboratory, X-ray, including high-costly specialized tests) may vary from BGN 500 to BGN 3 000 per month according to the selected option.

I . Examples of 0% co-insurance of the Insured, i.e. United Health Insurance covers 100% of the out-patient medical expenditure for examination and testing:

1. The Insured may select the medical specialist (including professors and docents) or health care facility in which to receive medical examinations and testing. Before making their choice they may contact United Health Insurance in order to receive additional information, regarding the possible alternatives and the most suitable medical specialists and health care facilities.
2. United Health Insurance may provide assistance with the organisation of the medical examination or testing and the replenishment of the documents for reimbursement of the medical expenditure.
3. After the medical examinations or testing United Health Insurance pays all medical expenses directly to the medical specialist or health care facility, or the Insured pays the sum to the medical specialist or health care facility and afterwards receives reimbursement from United Health Insurance.
4. The Insured’s personal limit for medical examinations is reduced by the sum, paid by United Health Insurance.
5. The Insured’s personal limit for medical testing is reduced by the sum, paid by United Health Insurance.

Combination of In-patient and Out-patient Packages:

This combination provides coverage of:

• The personal limit of the reimbursable health care expenditures for medical examinations may vary from BGN 500 to BGN 3 000 per month according to the selected option.
• The personal limit of the reimbursable health care expenditures for medical testing (apparatus, laboratory, X-ray, including high-costly specialized tests) may vary from BGN 500 to BGN 3 000 per month according to the selected option.

• All medical expenses for examinations and testing in a health care facility when the patient is not hospitalized.
• All medical expenses for hospital treatment.
  • The personal limit of the reimbursable health care expenditures may vary from BGN 3 000 to BGN 25 000 according to the selected option.

I . Examples of 0% co-insurance of the Insured, i.e. United Health Insurance covers 100% of the medical expenses:

1. The Insured may select the medical specialist (including professors and docents) or health care facility in which to receive medical examinations and testing. Before making their choice they may contact United Health Insurance in order to receive additional information, regarding the possible alternatives and the most suitable medical specialists and health care facility.
2. United Health Insurance may assist the Insured with the organisation of the medical examination or testing and the replenishment of the documents for reimbursement of medical expenditure.
3. After the medical examinations or testing United Health Insurance pays all medical expenses directly to the medical specialist or health care facility, or the Insured pays the sum to the medical specialist or health care facility and afterwards receives reimbursement from United Health Insurance.
4. The Insured’s personal limit for medical examinations is reduced by the sum, paid by United Health Insurance.
5. The Insured’s personal limit for medical testing is reduced by the sum, paid by United Health Insurance.

   If, following the medical examinations and testing, hospital treatment is recommended to the Insured:

6. Before choosing a hospital, the Insured may receive additional information from United Health Insurance, regarding the recommended hospital as well as other suitable alternative medical facilities.
7. The Insured notify United Health Insurance of their choice. The company then contacts the chosen hospital and guarantees the patient is health insured and United Health Insurance will cover 100 % of the medical expenses.
8. United Health Insurance coordinates the admission day with the hospital and the Insured.
9. United Health Insurance pays the transportation of the Insured to the hospital in case it is in another city.
10. During the hospital stay United Health Insurance maintains constant contact with the health care facility and the Insured for any necessary support.
11. United Health Insurance provides assistance to the medical facility for completion of all necessary documents after the patient's discharge from hospital.
12. United Health Insurance pays all medical expenses directly to the hospital.
13. The personal limit of the Insured is reduced by the sum, paid by United Health Insurance to the hospital.