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Make a Claim

We know that when an insurance event occurs there are many things you need to do and to think about. We have tried to make the process easier providing you with information concerning the procedure for making a claim for payment of compensation, as follows:

1. Notify the Company for the occurred insurance event, according the general terms and conditions of your policy:

  • Death claims: within 7 days considered from date of death (Basic Policy) and within 5 days for accidental death (Rider Personal Accident or Personal Accident insurance).
  • For other insurance coverage – within 7 days from the date of event (Permanent Invalidity, Daily Benefits, Surgical Benefit).

The Company receives claim notifications with original documents and/ or certified copies in its Head office at address:
ALICO Bulgaria Zhivotozastrahovatelno Drujestvo EAD
51B Bulgaria Blvd.
1404 Sofia, Bulgaria
ATTN: Claims department
Phone: 02/8186 200

2. Depending on the type of the occurred insurance event, You should enclose to Your declaration for occurrence of insurance event different documents and forms, as specified below.

  • Death Claim Form – form 2.

            This form must be filled out by Beneficiary (the person who will use of the insurance compensation). If there is more than one Beneficiary, a separate form will be filled in by each. In case the claimant is under age 18, the form must be filled out by the claimant’s legal representative.

  • Death Claim Form - Physician’s Statement for the death– form 2A.

            This form must be filled out by Physician who attended the deceased during his last illness or the medical institution where the Insured is treated.

  • Authorized copy of Death Certificate.
  • Authorized copy of Birth Certificate of the Insured (Proof of Age).
  • Documents to identify the beneficiaries: Identity Card of the Beneficiary; if the beneficiaries are Legal heirs - Certificate of Legal Heirs; or in case of beneficiary under age 18 - Guardianship certificate, if needed.
  • Original Policy with all issued endorsements
  • Authorized copy of Autopsy report (if Autopsy is being made) and protocol of gas or chemical analysis of the blood for alcohol presence (subject to availability).

In case of claims for permanent disability, Surgical Benefit, Daily Benefit, fractures, serious disease or other type of benefits the following documents are also requested, depending on the coverage on which the claim is based:

  • Physician’s Statement – Claim for permanent disability – form 3
  • Statement of Insured – only Accidental Claim Form  – form 4
  • Physician’s Statement – only Accidental Claim Form  – form 4A.
  • Physician’s Statement - Hospital/Surgical Claim Form – form 5

In case of policies with coverage Permanent disability or Waiver of premium, when the conditions of the policy regarding payment of such types of benefit are fulfilled, the insured shall also submit the Claim form for Permanent disability or Waiver of premium – Form 6.

According to the explicit authorization of the insured/owner or beneficiary of the policy, the Company can carry on from third parties related to and required for the clarification of the circumstances of the insurance event and defining the grounds and amount of the claim. The Company obligates not to request from the third parties information and documents not related to and not required for the clarification of the circumstances of the insurance event and defining the grounds and amount of the claim.


3. All documents sent to us should be in Bulgarian language. In case the originals are in any different language, there should be attached a translation made by officially authorized translator.

4. The payment of policy benefits is made in the currency, stated in the policy. It is possible to pay the equivalent in BGN of a benefit due in foreign currency (using the exchange rate of the Bulgarian national bank of the day). Payment could be made in cash (up to 300 BGN) or by bank transfer to the bank account provided by the respective beneficiary. The payment is effected within 15 days, in keeping with the Insurance code and under the condition that the beneficiary has provided in writing a bank account for payment of the benefit (except when the latter is payable in cash according to these rules).

5. Detailed Internal regulations for claims handling procedure could be found here.

6. Procedure for handling costumers’ complaints could be found here.