Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance
(European Health Insurance Card - Employment, Social Affairs & Inclusion - European Commission (europa.eu))
An EHIC gives the student the right to access state-provided healthcare during a temporary stay in another EU country, Norway, Iceland, Liechtenstein or Switzerland.
When you are in possession of a valid EHIC during your study period in Bulgaria, it only provides coverage for emergency medical expenses. Please note that this does not include any costs for medical evacuation, physical therapy, acupuncture or emergency dental expenses. You are also not covered for your personal possessions, liability, legal aid, emergency assistance and extra travel expenses.
The validity of the EHIC depends on your home country and your insurer in your home country. It may not cover the full period of studies. Please verify the validity of your EHIC with your insurer in your home country for your study period abroad in Bulgaria.
However, the coverage of the European Health Insurance Card or private insurance may not be sufficient, especially in case of repatriation and specific medical intervention. In that case, a complementary private insurance might be useful.
Taking out an additional insurance during your study abroad in Bulgaria is specially needed for the risks that are not covered for with your EHIC. This to be certain that you are properly insured during your study period.As each country’s healthcare system is different services that cost nothing at home might not be free in another country like Bulgaria.