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statutory

National Health Insurance Fund (NHIF)

Национална здравноосигурителна каса (НЗОК)

85Score

★★★☆☆3.3

Customer satisfaction · 7.0M members

FSC: National Statutory Health Insurer(2025)

The NHIF (NZOK) is the sole administrator of mandatory health insurance in Bulgaria, covering approximately 7 million residents through 28 Regional Health Insurance Funds. Funded by mandatory contributions of 8% of income, it covers GP visits, hospital care, and partially subsidizes medications.

Overall Score

85/100

Founded

1998

Headquarters

Sofia

Type

statutory

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Key Metrics

Coverage

Universal mandatory

Contribution Rate

8% of income

Regional Funds

28 Regional Health Insurance Funds

Eu Integration

EHIC card integrated

Editorial Ratings

FSC: National Statutory Health Insurer(2025)

Rating: Sole mandatory health insurance administrator (max: N/A)

85FSC

Coverage Highlights

✓Sole administrator of mandatory health insurance
✓28 Regional Health Insurance Funds nationwide
✓8% of income contribution rate
✓Covers GP visits, hospital care, medications (partially)
✓Mandatory for all residents since 2025 reform

Pros

✓Universal coverage for all residents
✓Low contribution rate (8% of income)
✓Comprehensive basic coverage
✓EU EHIC integration

Cons

✗Long wait times for specialist care
✗Underfunded public facilities
✗Limited coverage of dental and optical care

Frequently Asked Questions

How much do Bulgarians pay for mandatory health insurance?

Mandatory health insurance contributions in Bulgaria are 8% of gross income, split between employer and employee.

What does NHIF Bulgaria cover?

NHIF covers GP visits, specialist referrals, hospital care, and partially subsidizes medications. Dental and optical care have limited coverage.

Is private health insurance necessary in Bulgaria?

While not mandatory, private health insurance is recommended in Bulgaria for faster access to specialists, private clinic care, and broader service coverage beyond the NHIF's basic package.

Quick Summary

InsurerNational Health Insurance Fund (NHIF)

Country🇧🇬 Bulgaria

Overall Score85/100

Satisfaction3.3/5

Members7.0M

Typestatutory

Founded1998

Other Insurers in Bulgaria

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100

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88.9

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DallBogg: Zhivot i Zdrave

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Allianz Bulgaria

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66.7

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Ready to get covered?

Visit National Health Insurance Fund (NHIF) to learn more about their plans.

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