Short answer
A Bulgaria long-stay Visa D requires an insurance policy for the whole period of stay, issued by an insurance company licensed in the European Union, with a minimum amount of coverage of 30,000 euros, and the policy must cover repatriation costs as well as emergency medical care and emergency hospital treatment (Source: BG_LONGSTAY_MFA_2026, Ministry of Foreign Affairs of the Republic of Bulgaria, Visa D (long-term) document; verified 2026-06-17).
Key findings at a glance
| Item | Value |
|---|---|
| Route | Bulgaria Long-stay Visa D |
| Authority | Ministry of Foreign Affairs of the Republic of Bulgaria (mfa.bg) |
| Evidence verified | 2026-06-17 |
| Snapshot | 2026-06-13 |
| Modeled rules | Insurance mandatory; minimum 30,000 EUR; whole period of stay; EU-licensed insurer |
What the authority requires
The Ministry of Foreign Affairs Visa D (long-term) document lists, among the documents required in all cases:
- An “Insurance policy (and copy) for the whole period of stay, issued by an Insurance Company with a license to carry out insurance activities on the territory of the European Union, with a minimum amount of coverage of 30,000 euros.” (Source:
BG_LONGSTAY_MFA_2026; verified 2026-06-17) - “The policy should cover all repatriation costs as well as emergency medical care and emergency hospital treatment for the period of stay.”
Normalized requirements table:
| Requirement | Source URL | Locator | Verified date |
|---|---|---|---|
| Insurance is mandatory | https://www.mfa.bg/upload/99380/2_Visa_D.pdf | Documents required in all cases, item 5 | 2026-06-17 |
| Minimum coverage 30,000 EUR | https://www.mfa.bg/upload/99380/2_Visa_D.pdf | Documents required in all cases, item 5 | 2026-06-17 |
| Whole period of stay | https://www.mfa.bg/upload/99380/2_Visa_D.pdf | Documents required in all cases, item 5 | 2026-06-17 |
| Issued by EU-licensed insurer | https://www.mfa.bg/upload/99380/2_Visa_D.pdf | Documents required in all cases, item 5 | 2026-06-17 |
Verified requirements (PASS/FAIL/UNKNOWN)
| Requirement | Status | Evidence |
|---|---|---|
| Insurance is mandatory | PASS | Item 5: “Insurance policy … for the whole period of stay” |
| Minimum 30,000 EUR | PASS | “with a minimum amount of coverage of 30,000 euros” |
| Whole period of stay | PASS | “for the whole period of stay” |
| EU-licensed insurer | PASS | “issued by an Insurance Company with a license to carry out insurance activities on the territory of the European Union” |
How we evaluate
The checker compares each modeled requirement against product evidence. Four rules are encoded from item 5 of the Visa D document: insurance is mandatory, a minimum of 30,000 euros, validity for the whole period of stay, and an insurer licensed in the European Union. The repatriation, emergency medical care and emergency hospital treatment wording is preserved in the evidence excerpt.
The EU-licence condition is the deciding one. Following the UNKNOWN > Wrong principle, a product is only credited for it when its own evidence documents that the insurer holds an EU insurance licence; otherwise the engine records UNKNOWN rather than assuming any provider qualifies. As a result, AXA Schengen Europe Travel is GREEN for this route, because its source documents an insurer (Inter Partner Assistance SA/NV) authorized by the National Bank of Belgium, with 100,000 euros of medical cover, hospitalization and medical repatriation. The other tracked products do not document an EU insurance licence in their evidence, so they stay UNKNOWN — including products with high limits and full-period cover, because the licence itself is not established. See /methodology/ for the full logic.
Proof package checklist
- An insurance policy for the whole period of stay from an EU-licensed insurer.
- Coverage of at least 30,000 euros, covering repatriation, emergency medical care and emergency hospital treatment.
- A certificate showing the policy holder, policy number and coverage dates.
- The remaining Visa D documents (passport, accommodation, financial means, police clearance).
FAQ
Q: What is required?
A: An EU-licensed insurance policy of at least 30,000 euros, for the whole period of stay, covering repatriation and emergency hospital treatment (Source: BG_LONGSTAY_MFA_2026; verified 2026-06-17).
Q: Which product is GREEN? A: AXA Schengen Europe Travel, because its source documents an EU-licensed insurer with the required cover. Others stay UNKNOWN until an EU licence is documented.
Q: Is the 30,000 euro the Schengen short-stay figure? A: No — it is stated on the Ministry’s national Visa D (long-term) document for this long-stay route.
Check in the engine
Use the compliance checker with the current snapshot for this route:
Open Compliance CheckerRelated reading
- Bulgaria long-stay Visa D requirements (route page)
- Digital nomad insurance in Europe
- How to read compliance results
Where to find compliant insurance for a Bulgaria long-stay Visa D
The Ministry requires an EU-licensed policy of at least 30,000 euros for the whole period of stay, covering repatriation and emergency hospital treatment. In the current snapshot, AXA Schengen Europe Travel shows GREEN, because its source documents an insurer authorized by the National Bank of Belgium with 100,000 euros of medical cover and repatriation. Confirm the exact terms and validity dates with the insurer and the Bulgarian authorities before applying.
- AXA Schengen Europe Travel — official product page. This is not a paid affiliate link.
Use the compliance checker to confirm the current GREEN products for this route before you buy.
Disclaimer + Affiliate disclosure
Not legal advice. Compliance results are evidence-based snapshots.
Affiliate disclosure: the AXA link above is an official product page, not a paid affiliate link, and no commission is earned from it. Any affiliate link, where present on this site, appears only after results and does not change the compliance outcome.
Last updated: 2026-06-16
Evidence log
- Source: BG_LONGSTAY_MFA_2026
- Source: AXA_SCHENGEN_EUROPE_2026