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Best Health Insurance in Bulgaria

6 insurers ranked and reviewed · Updated May 2026

Sources:Financial Supervision Commission (FSC)XPRIMM

Healthcare System Overview

Bulgaria operates a dual system combining the public National Health Insurance Fund (NHIF/NZOK) with a competitive private insurance market. The NHIF is funded through mandatory contributions of 8% of income and provides access to public healthcare. Private health insurance supplements NHIF coverage with faster access, private clinics, and broader services. As of July 2025, Bulgaria made NHIF enrollment mandatory for Single Work and Residence Permit holders.

#1

BULSTRAD Vienna Insurance Group

ЗАД "Булстрад Виена Иншурънс Груп"

private35K members
100Score
FSC: #1 in Health Insurance(2025)
★★★★☆4.0satisfactionFinancial strength: A+ (parent Vienna Insurance Group, S&P)

Market Share

~22% total market

Health Position

#1 in health insurance

Parent Company

Vienna Insurance Group

  • #1 in health insurance in Bulgaria
  • Part of Vienna Insurance Group (largest CEE insurer)
  • ~22% total market share
  • B Assist mobile app for quick medical access
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#2

DZI Insurance

ДЗИ (Държавен Застрахователен Институт)

private800K members
100Score
FSC: Market Leader in Bulgaria(2025)
★★★☆☆3.9satisfactionFinancial strength: A+ (parent KBC Group, S&P)

Customers

800,000+

Parent Company

KBC Group (Belgium)

Key Products

Good Health, Treatment Without Borders, Corporate Plans

  • Market leader in Bulgarian insurance (800,000+ customers)
  • Part of KBC Group (Belgium) — strong international backing
  • 'Good Health' individual and family health plans
  • 'Treatment Without Borders' cross-border coverage
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#3

Generali Insurance Bulgaria

Дженерали Застраховане АД

private500K members
88.9Score
FSC: ~22% Market Share (tied with Bulstrad)(2025)
★★★☆☆3.8satisfactionFinancial strength: A (parent Generali Group, S&P)

Market Share

~22% total market (tied with Bulstrad)

Parent Company

Generali Group

Acquisition

Acquired OZOF Doverie (BGN 22M, 2024/25)

  • ~22% total market share (tied with Bulstrad)
  • Acquired OZOF Doverie health insurance fund in 2024/2025
  • Part of Generali Group, one of Europe's largest insurers
  • Expanding health insurance offering through Doverie acquisition
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#4

National Health Insurance Fund (NHIF)

Национална здравноосигурителна каса (НЗОК)

statutory7.0M members
85Score
FSC: National Statutory Health Insurer(2025)
★★★☆☆3.3satisfaction

Coverage

Universal mandatory

Contribution Rate

8% of income

Regional Funds

28 Regional Health Insurance Funds

  • Sole administrator of mandatory health insurance
  • 28 Regional Health Insurance Funds nationwide
  • 8% of income contribution rate
  • Covers GP visits, hospital care, medications (partially)
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#5

DallBogg: Zhivot i Zdrave

ДаллБогг: Живот и Здраве

private250K members
77.8Score
FSC: #1 Non-Life Insurer, Fastest Growing(2025)
★★★☆☆3.6satisfaction

Market Share

15.38% non-life (#1 in non-life)

Growth

Fastest-growing insurer in Bulgaria

Brand Meaning

'Life and Health' (Zhivot i Zdrave)

  • Fastest-growing insurer in Bulgaria
  • #1 in non-life insurance (15.38% market share)
  • Health-focused brand identity ('Life and Health')
  • Competitive pricing strategy
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#6

Allianz Bulgaria

ЗАД Алианц България

private200K members
66.7Score
Allianz SE: World's Largest Insurer(2025)
★★★★☆4.0satisfactionFinancial strength: AA (parent Allianz SE, S&P)

Parent Company

Allianz SE (world's largest insurer)

Focus

Corporate health and expat-friendly

Digital Services

Strong digital platform

  • Part of Allianz SE, world's largest insurer
  • Full range of health and life insurance
  • Strong digital services and online platform
  • International expat-friendly services
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About Health Insurance in Bulgaria

Bulgaria operates a dual system combining the public National Health Insurance Fund (NHIF/NZOK) with a competitive private insurance market. The NHIF is funded through mandatory contributions of 8% of income and provides access to public healthcare. Private health insurance supplements NHIF coverage with faster access, private clinics, and broader services. As of July 2025, Bulgaria made NHIF enrollment mandatory for Single Work and Residence Permit holders.

Our editorial team has evaluated and ranked the top 6 health insurers in Bulgaria based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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