{ "schema_version": "1.0", "dataset_type": "insurance_tariff_reference", "currency": "EUR", "insurance_tax_rate": 0.02, "prices_in_variants_include_tax": true, "validity": { "tariff_year": 2026, "last_updated": "2026-08-22" }, "source": { "workbook": "2024 страховки положняк", "sheet_authoritative_quotes": "Main AI", "sheet_tariff_rules": "Тарифы 26" }, "usage_for_ai": { "instructions": [ "Match insurer_id, period_code, requested options and the user's age.", "Inside the matched variant, select the price_bands item where age_min <= age <= age_max.", "Return price_eur_incl_2pct_tax as the quoted price.", "Do not recompute a final price when an exact variant exists; variants[].price_bands is authoritative.", "If the user's requested option combination is absent, say that an exact published quote is unavailable and direct the user to the calculator_url for their language.", "Respect published age limits. BULSTRAD has no published tariff above age 80 in the 2026 source table; do not quote BULSTRAD for age 81+ from extrapolated matrix cells." ], "calculator_urls": { "ru": "https://bg.eurostrah.com/", "en": "https://bg.euromedins.com/", "bg": "https://bg.euromedins.com/", "de": "https://bg.euromedins.com/", "es": "https://bg.euromedins.com/" } }, "languages": { "ru": { "dataset_name": "Тарифы медицинского страхования для иностранцев в Болгарии", "price_note": "Все конечные цены включают 2% страховой налог.", "consultation": "Для точного расчёта и оформления используйте онлайн-калькулятор.", "insurers": { "uniqa": "UNIQA", "bulstrad": "BULSTRAD", "armeec": "Armeez" }, "options": { "schengen": "Шенген", "work": "Работа", "sport": "Спорт", "work_class": "Класс работы", "amateur": "Любительский спорт", "professional": "Профессиональный спорт", "professional_sport_class": "Класс профессионального спорта" }, "periods": { "7d": "7 дней", "15d": "15 дней", "1m": "1 мес.", "2m": "2 мес.", "3m": "3 мес.", "4m": "4 мес.", "5m": "5 мес.", "6m": "6 мес.", "7m": "7 мес.", "8m": "8 мес.", "9m": "9 мес.", "10m": "10 мес.", "11m": "11 мес.", "12m": "12 мес." } }, "en": { "dataset_name": "Medical insurance tariffs for foreigners in Bulgaria", "price_note": "All final prices include the 2% insurance tax.", "consultation": "Use the online calculator for an exact quote and purchase.", "insurers": { "uniqa": "UNIQA", "bulstrad": "BULSTRAD", "armeec": "Armeez" }, "options": { "schengen": "Schengen", "work": "Work", "sport": "Sport", "work_class": "Work risk class", "amateur": "Amateur sport", "professional": "Professional sport", "professional_sport_class": "Professional sport class" }, "periods": { "7d": "7 days", "15d": "15 days", "1m": "1 month", "2m": "2 months", "3m": "3 months", "4m": "4 months", "5m": "5 months", "6m": "6 months", "7m": "7 months", "8m": "8 months", "9m": "9 months", "10m": "10 months", "11m": "11 months", "12m": "12 months" } }, "bg": { "dataset_name": "Тарифи за медицинска застраховка на чужденци в България", "price_note": "Всички крайни цени включват 2% данък върху застрахователната премия.", "consultation": "За точна цена и сключване използвайте онлайн калкулатора.", "insurers": { "uniqa": "UNIQA", "bulstrad": "BULSTRAD", "armeec": "Armeez" }, "options": { "schengen": "Шенген", "work": "Работа", "sport": "Спорт", "work_class": "Клас на трудов риск", "amateur": "Любителски спорт", "professional": "Професионален спорт", "professional_sport_class": "Клас на професионалния спорт" }, "periods": { "7d": "7 дни", "15d": "15 дни", "1m": "1 мес.", "2m": "2 мес.", "3m": "3 мес.", "4m": "4 мес.", "5m": "5 мес.", "6m": "6 мес.", "7m": "7 мес.", "8m": "8 мес.", "9m": "9 мес.", "10m": "10 мес.", "11m": "11 мес.", "12m": "12 мес." } }, "de": { "dataset_name": "Tarife der Krankenversicherung für Ausländer in Bulgarien", "price_note": "Alle Endpreise enthalten 2 % Versicherungssteuer.", "consultation": "Für ein genaues Angebot und den Abschluss nutzen Sie den Online-Rechner.", "insurers": { "uniqa": "UNIQA", "bulstrad": "BULSTRAD", "armeec": "Armeez" }, "options": { "schengen": "Schengen", "work": "Arbeit", "sport": "Sport", "work_class": "Arbeitsrisikoklasse", "amateur": "Amateursport", "professional": "Profisport", "professional_sport_class": "Klasse des Profisports" }, "periods": { "7d": "7 Tage", "15d": "15 Tage", "1m": "1 Monat", "2m": "2 Monate", "3m": "3 Monate", "4m": "4 Monate", "5m": "5 Monate", "6m": "6 Monate", "7m": "7 Monate", "8m": "8 Monate", "9m": "9 Monate", "10m": "10 Monate", "11m": "11 Monate", "12m": "12 Monate" } }, "es": { "dataset_name": "Tarifas de seguro médico para extranjeros en Bulgaria", "price_note": "Todos los precios finales incluyen el impuesto del seguro del 2%.", "consultation": "Para un cálculo exacto y contratación, utilice la calculadora en línea.", "insurers": { "uniqa": "UNIQA", "bulstrad": "BULSTRAD", "armeec": "Armeez" }, "options": { "schengen": "Schengen", "work": "Trabajo", "sport": "Deporte", "work_class": "Clase de riesgo laboral", "amateur": "Deporte amateur", "professional": "Deporte profesional", "professional_sport_class": "Clase de deporte profesional" }, "periods": { "7d": "7 días", "15d": "15 días", "1m": "1 mes", "2m": "2 meses", "3m": "3 meses", "4m": "4 meses", "5m": "5 meses", "6m": "6 meses", "7m": "7 meses", "8m": "8 meses", "9m": "9 meses", "10m": "10 meses", "11m": "11 meses", "12m": "12 meses" } } }, "insurers": { "uniqa": { "display_name": "UNIQA", "rules": { "age_bands": [ { "age_min": 0, "age_max": 70, "base_multiplier": 1.0 }, { "age_min": 71, "age_max": 75, "base_multiplier": 2.0 }, { "age_min": 76, "age_max": 80, "base_multiplier": 3.0 }, { "age_min": 81, "age_max": 85, "base_multiplier": 3.0 }, { "age_min": 86, "age_max": 120, "base_multiplier": 3.0 } ], "schengen": { "available": true, "surcharge_percent_of_base": 10 }, "work": { "available": false }, "sport": { "available": false }, "combination_rule": "Use variants[].price_bands as the authoritative final quote table." }, "base_tariffs_incl_2pct_tax": { "age_headers": [ [ "a0_70", "0–70" ], [ "a71_75", "71–75" ], [ "a76_80", "76–80" ], [ "a81_85", "81–85" ], [ "a86_plus", "86+" ] ], "rows": [ { "period": "1 мес.", "a0_70": 17.11, "a71_75": 34.21, "a76_80": 51.32, "a81_85": 51.32, "a86_plus": 51.32 }, { "period": "2 мес.", "a0_70": 29.15, "a71_75": 58.3, "a76_80": 87.45, "a81_85": 87.45, "a86_plus": 87.45 }, { "period": "3 мес.", "a0_70": 35.62, "a71_75": 71.24, "a76_80": 106.86, "a81_85": 106.86, "a86_plus": 106.86 }, { "period": "4 мес.", "a0_70": 38.85, "a71_75": 77.71, "a76_80": 116.56, "a81_85": 116.56, "a86_plus": 116.56 }, { "period": "5 мес.", "a0_70": 44.33, "a71_75": 88.66, "a76_80": 132.99, "a81_85": 132.99, "a86_plus": 132.99 }, { "period": "6 мес.", "a0_70": 54.03, "a71_75": 108.06, "a76_80": 162.09, "a81_85": 162.09, "a86_plus": 162.09 }, { "period": "7 мес.", "a0_70": 71.97, "a71_75": 143.94, "a76_80": 215.91, "a81_85": 215.91, "a86_plus": 215.91 }, { "period": "8 мес.", "a0_70": 71.97, "a71_75": 143.94, "a76_80": 215.91, "a81_85": 215.91, "a86_plus": 215.91 }, { "period": "9 мес.", "a0_70": 71.97, "a71_75": 143.94, "a76_80": 215.91, "a81_85": 215.91, "a86_plus": 215.91 }, { "period": "10 мес.", "a0_70": 89.7, "a71_75": 179.4, "a76_80": 269.1, "a81_85": 269.1, "a86_plus": 269.1 }, { "period": "11 мес.", "a0_70": 89.7, "a71_75": 179.4, "a76_80": 269.1, "a81_85": 269.1, "a86_plus": 269.1 }, { "period": "12 мес.", "a0_70": 89.7, "a71_75": 179.4, "a76_80": 269.1, "a81_85": 269.1, "a86_plus": 269.1 } ] } }, "bulstrad": { "display_name": "BULSTRAD", "rules": { "age_bands": [ { "age_min": 0, "age_max": 69, "base_multiplier": 1.0 }, { "age_min": 70, "age_max": 74, "base_multiplier": 3.0 }, { "age_min": 75, "age_max": 80, "base_multiplier": 4.0 } ], "schengen": { "available": true, "note": "The published Main AI quote matrix uses Schengen as the standard quoted variant." }, "work": { "available": true, "surcharge_percent_of_base": 50 }, "sport": { "available": true, "surcharge_percent_of_base": 100 }, "combination_rule": "For the Main AI quote matrix: work = +50% of base, sport = +100% of base, work+sport = +200% of base. Use variants[].price_bands as authoritative.", "maximum_published_age": 80 }, "base_tariffs_incl_2pct_tax": { "age_headers": [ [ "a0_69", "0–69" ], [ "a70_74", "70–74" ], [ "a75_80", "75–80" ] ], "rows": [ { "period": "15 дней", "a0_69": 12.9, "a70_74": 38.71, "a75_80": 51.61 }, { "period": "1 мес.", "a0_69": 25.82, "a70_74": 77.45, "a75_80": 103.26 }, { "period": "2 мес.", "a0_69": 31.29, "a70_74": 93.88, "a75_80": 125.17 }, { "period": "3 мес.", "a0_69": 41.1, "a70_74": 123.29, "a75_80": 164.38 }, { "period": "4 мес.", "a0_69": 47.36, "a70_74": 142.08, "a75_80": 189.43 }, { "period": "5 мес.", "a0_69": 55.18, "a70_74": 165.55, "a75_80": 220.73 }, { "period": "6 мес.", "a0_69": 65.61, "a70_74": 196.82, "a75_80": 262.43 }, { "period": "7 мес.", "a0_69": 73.43, "a70_74": 220.29, "a75_80": 293.72 }, { "period": "8 мес.", "a0_69": 81.77, "a70_74": 245.32, "a75_80": 327.09 }, { "period": "9 мес.", "a0_69": 86.99, "a70_74": 260.96, "a75_80": 347.94 }, { "period": "10 мес.", "a0_69": 95.34, "a70_74": 286.02, "a75_80": 381.36 }, { "period": "11 мес.", "a0_69": 102.11, "a70_74": 306.34, "a75_80": 408.45 }, { "period": "12 мес.", "a0_69": 108.38, "a70_74": 325.13, "a75_80": 433.5 } ] } }, "armeec": { "display_name": "Armeez", "rules": { "age_bands": [ { "age_min": 0, "age_max": 60, "base_multiplier": 1.0 }, { "age_min": 61, "age_max": 65, "base_multiplier": 1.5 }, { "age_min": 66, "age_max": 70, "base_multiplier": 2.0 }, { "age_min": 71, "age_max": 75, "base_multiplier": 3.0 }, { "age_min": 76, "age_max": 120, "base_multiplier": 4.0 } ], "schengen": { "available": true, "surcharge_percent_of_base": 100 }, "work": { "available": true, "classes": { "1": 20, "2": 40, "3": 70, "4": 100 } }, "sport": { "available": true, "amateur_percent": 50, "professional_classes": { "1": 50, "2": 100, "3": 150, "4": 200 } }, "combination_rule": "Additional risk surcharges are calculated from the insurer's base premium for the same age and period and are additive; authoritative final values are in variants[].price_bands." }, "base_tariffs_incl_2pct_tax": { "age_headers": [ [ "a0_60", "0–60" ], [ "a61_65", "61–65" ], [ "a66_70", "66–70" ], [ "a71_75", "71–75" ], [ "a76_plus", "76+" ] ], "rows": [ { "period": "7 дней", "a0_60": 10.43, "a61_65": 15.65, "a66_70": 20.87, "a71_75": 31.3, "a76_plus": 41.74 }, { "period": "15 дней", "a0_60": 18.26, "a61_65": 27.39, "a66_70": 36.52, "a71_75": 54.77, "a76_plus": 73.03 }, { "period": "1 мес.", "a0_60": 31.29, "a61_65": 46.94, "a66_70": 62.59, "a71_75": 93.88, "a76_plus": 125.17 }, { "period": "2 мес.", "a0_60": 62.61, "a61_65": 93.91, "a66_70": 125.22, "a71_75": 187.82, "a76_plus": 250.43 }, { "period": "3 мес.", "a0_60": 62.61, "a61_65": 93.91, "a66_70": 125.22, "a71_75": 187.82, "a76_plus": 250.43 }, { "period": "4 мес.", "a0_60": 104.31, "a61_65": 156.46, "a66_70": 208.61, "a71_75": 312.92, "a76_plus": 417.22 }, { "period": "5 мес.", "a0_60": 104.31, "a61_65": 156.46, "a66_70": 208.61, "a71_75": 312.92, "a76_plus": 417.22 }, { "period": "6 мес.", "a0_60": 104.31, "a61_65": 156.46, "a66_70": 208.61, "a71_75": 312.92, "a76_plus": 417.22 }, { "period": "7 мес.", "a0_60": 156.46, "a61_65": 234.69, "a66_70": 312.92, "a71_75": 469.37, "a76_plus": 625.83 }, { "period": "8 мес.", "a0_60": 156.46, "a61_65": 234.69, "a66_70": 312.92, "a71_75": 469.37, "a76_plus": 625.83 }, { "period": "9 мес.", "a0_60": 156.46, "a61_65": 234.69, "a66_70": 312.92, "a71_75": 469.37, "a76_plus": 625.83 }, { "period": "10 мес.", "a0_60": 156.46, "a61_65": 234.69, "a66_70": 312.92, "a71_75": 469.37, "a76_plus": 625.83 }, { "period": "11 мес.", "a0_60": 156.46, "a61_65": 234.69, "a66_70": 312.92, "a71_75": 469.37, "a76_plus": 625.83 }, { "period": "12 мес.", "a0_60": 156.46, "a61_65": 234.69, "a66_70": 312.92, "a71_75": 469.37, "a76_plus": 625.83 } ] } } }, "variants": [ { "source_row_main_ai": 3, "insurer_id": "bulstrad", "period_code": "7d", "period_label_source": "1 week", "duration": { "type": "days", "value": 7 }, "options": { "schengen": true, "work": false, "sport": false, "work_class": null, "sport_type": null, "professional_sport_class": null }, "price_bands": [ { "age_min": 0, "age_max": 69, "price_eur_incl_2pct_tax": 6.03 }, { "age_min": 70, "age_max": 74, "price_eur_incl_2pct_tax": 18.08 }, { "age_min": 75, "age_max": 79, "price_eur_incl_2pct_tax": 24.11 } ] }, { "source_row_main_ai": 4, "insurer_id": "bulstrad", "period_code": "7d", "period_label_source": "1 week", "duration": { "type": "days", "value": 7 }, "options": { "schengen": true, "work": true, "sport": false, "work_class": null, "sport_type": null, "professional_sport_class": null }, "price_bands": [ { "age_min": 0, "age_max": 69, "price_eur_incl_2pct_tax": 9.04 }, { "age_min": 70, "age_max": 74, "price_eur_incl_2pct_tax": 27.13 }, { "age_min": 75, "age_max": 79, "price_eur_incl_2pct_tax": 36.17 } ] }, { "source_row_main_ai": 5, "insurer_id": "bulstrad", "period_code": "7d", "period_label_source": "1 week", "duration": { "type": "days", "value": 7 }, "options": { "schengen": true, "work": false, "sport": true, "work_class": null, "sport_type": "generic", "professional_sport_class": null }, "price_bands": [ { "age_min": 0, "age_max": 69, "price_eur_incl_2pct_tax": 12.06 }, { "age_min": 70, "age_max": 74, "price_eur_incl_2pct_tax": 36.17 }, { "age_min": 75, "age_max": 79, "price_eur_incl_2pct_tax": 48.23 } ] }, { "source_row_main_ai": 6, "insurer_id": "bulstrad", "period_code": "7d", "period_label_source": "1 week", "duration": { "type": "days", "value": 7 }, "options": { "schengen": true, "work": true, "sport": true, "work_class": null, "sport_type": "generic", "professional_sport_class": null }, "price_bands": [ { "age_min": 0, "age_max": 69, "price_eur_incl_2pct_tax": 18.08 }, { "age_min": 70, "age_max": 74, "price_eur_incl_2pct_tax": 54.25 }, { "age_min": 75, "age_max": 79, "price_eur_incl_2pct_tax": 72.34 } ] }, { "source_row_main_ai": 7, "insurer_id": "uniqa", "period_code": "7d", "period_label_source": "1 week", "duration": { "type": "days", "value": 7 }, "options": { "schengen": false, "work": false, "sport": false, "work_class": null, "sport_type": null, "professional_sport_class": null }, "price_bands": [ { "age_min": 0, "age_max": 69, "price_eur_incl_2pct_tax": 6.15 }, { "age_min": 70, "age_max": 75, "price_eur_incl_2pct_tax": 12.3 }, { "age_min": 76, "age_max": 120, "price_eur_incl_2pct_tax": 18.45 } ] }, { "source_row_main_ai": 8, "insurer_id": "uniqa", "period_code": "7d", "period_label_source": "1 week", "duration": { "type": "days", "value": 7 }, "options": { "schengen": true, "work": false, "sport": false, "work_class": null, "sport_type": null, "professional_sport_class": null }, "price_bands": [ { "age_min": 0, "age_max": 69, "price_eur_incl_2pct_tax": 6.77 }, { "age_min": 70, "age_max": 75, "price_eur_incl_2pct_tax": 13.53 }, { "age_min": 76, "age_max": 120, "price_eur_incl_2pct_tax": 20.3 } ] }, { "source_row_main_ai": 9, "insurer_id": "armeec", "period_code": "7d", "period_label_source": "1 week", "duration": { "type": "days", "value": 7 }, "options": { "schengen": false, "work": false, "sport": false, "work_class": null, "sport_type": null, "professional_sport_class": null }, "price_bands": [ { "age_min": 0, "age_max": 60, "price_eur_incl_2pct_tax": 10.43 }, { "age_min": 61, "age_max": 65, "price_eur_incl_2pct_tax": 15.66 }, { "age_min": 66, "age_max": 70, "price_eur_incl_2pct_tax": 20.87 }, { "age_min": 71, "age_max": 75, "price_eur_incl_2pct_tax": 31.3 }, { "age_min": 76, "age_max": 100, "price_eur_incl_2pct_tax": 41.74 } ] }, { "source_row_main_ai": 10, "insurer_id": "armeec", "period_code": "7d", "period_label_source": "1 week", "duration": { "type": "days", "value": 7 }, "options": { "schengen": true, "work": false, "sport": false, "work_class": null, "sport_type": null, "professional_sport_class": null }, "price_bands": [ { "age_min": 0, "age_max": 60, "price_eur_incl_2pct_tax": 20.87 }, { "age_min": 61, "age_max": 65, 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