MEGAPROTECT

MEGAPROTECT

Five different insurances at preferential prices in one policy, customers are given eight possible options to choose from, depending on their desire and financial capacity.

What is insured?

Insurance protection is provided for movable or immovable property, owned by Bulgarian or foreign natural persons or legal entities.

The insurance coverage for movable property is provided only if it is located in buildings at the address specified in the contract.

The liability of legal entities and natural persons is covered for the material and non-material damage caused by them to third parties, which are a direct and immediate result of an insured event.

Object of insurance is also the health, life and physical integrity of the insured individuals.

Under this insurance costs are reimbursed, amounts are paid, assistance and specialized services are provided, determined by type and up to the sum insured (limit of liability), agreed in the insurance contract, foreventsoccurringduring atriporstay of Bulgarian and foreign individuals outside the territory of the Republic of Bulgaria.

Territorial scope of coverage:

MEGAPROTECT insurance provides protection for movable and immovable property located on the territory of the Republic of Bulgaria.

What risks are covered by the insurance?

- Damages as a result of fire and the consequences of extinguishing it; lightning (thunder, a flash of lightning); explosion and implosion; falling of and impact by aircraft and parts thereof;
- Storm, hurricane, whirlwind, tornado, damage from falling branches, trees, etc. hail and the consequences thereof, torrential rain, flood due to a natural disaster;
- Action of groundwater and/or sea waves, damage resulting from the pressure of natural accumulation of snow or ice, frost (freezing) of commodity-material values, landslide and landslip;
- Watersupplyandseweragedamages – covered are damages resulting from breakdown of plumbing, sewerage, heating and air-conditioning installations and / or pipes; sudden leakage of water from sprinkler systems;
- Damage to property in case of impact from self-propelled machines and / or during loading and unloading with loading-unloading machines during an accident in which they are involved; damage to property during it's transportation from one address to another by own or rented transport;
- Shortcircuit / current rush;
- Impact from a motor vehicle or an animal;
- Earthquake;
- Burglary;

- Malicious acts of third parties;
- Fire resulting from malicious acts of third parties;
- Vandalism and vandalism in an attempted burglary of real estate;

Expenses

Actually incurred expenses necessary for prevention of an insured event (including for relocation or protection of insured property), as well as for limitation or minimization of damages after occurrence of an insured event, incl. the costs for clearing debris and remnants of such property, in the total amount of up to 5% of its sum insured; Broken glass; Liability to third parties; Medical expenses resulting from an accident or acute illness; Transportation and repatriation; Death of the insured person resulting from a domestic accident, Permanent disability resulting from a domestic accident, Temporary disability resulting from a domestic accident, costs of medicines - covers the costs incurred for purchased medicines up to 30 days from the date of the domestic accident.

Why should I take out insurance with Lev Ins?

Complete insurance protection solution;

Under the MEGAPROTECT insurance policy, the client can choose a different option in each separate section of the five different insurances;

Deferred payment of the insurance premium;

The sum insured is agreed between the insurer and the insured;

24/7 free emergency assistance for managing and mitigation of insured events;

Opportunity to choose currency – Bulgarian lev or Euro.

Real estate

Residential buildings - houses and apartments

Outbuildings, basements, attics, garages

Movable property

General house furnishings, household and computer equipment intended for use in the private life of the Insured and the members of his/her family and household, located at the address specified in the insurance contract.

Liability to third parties

Covered is material and non-material damage caused to third parties by the Insured.

Medical expenses on trips abroad with assistance

Covered are medical expenses, as a result of an accident or acute illness - the expenses in cash incurred by the Insured and / or the Assistance Company for medical, pharmaceutical, surgical and hospital services are reimbursed up to the limit specified in the insurance policy.

Transportation and repatriation - in case of proven medical necessity the Insurer covers the transportation costs of the Insured to Bulgaria, as well as repatriation of mortal remains in case of death.

Domestic accident

• Death of the insured person as a result of a domestic accident;
• Permanent disability as a result of a domestic accident;
• Temporary disability as a result of a domestic accident;
• Expenses for medicines - the incurred expenses for purchased medicines are covered up to 30 days from the date of the domestic accident

Emergency Assistance* for the home 0800 10 200:

Private Property insurance of Lev Ins provides an emergency management service by a specialized technician without payment of an additional premium.

 

Plumbing services (labor and materials) 

Locksmith services (labor and materials)

  Electrical services (labor and materials)    

  Glass services (labor and materials)