Health Care in Bulgaria
State healthcare in Bulgaria is not completely free. You may need to pay something for most treatments and services. How much you pay depends on how your healthcare is funded.
UK nationals usually access the Bulgarian healthcare system in one of these ways:
paying state health insurance contributions through their Bulgarian employer
paying state health insurance contributions independently if you’re self-employed or financially independent
taking out private health insurance
using a UK-issued GHIC or EHIC for temporary stays when studying, or as a ‘posted’ (detached) worker
registering a UK-issued S1 form with Bulgaria’s National Health Insurance Fund (see ‘UK-funded healthcare: getting and using an S1 form in Bulgaria’ below)
Healthcare if you live and work in Bulgaria
If you are planning on moving to Bulgaria, see the guidance on Living in Bulgaria for more information about visa and residency requirements.
You must show proof of required healthcare cover:
before you can register as a resident
when you apply for a visa
For details about the healthcare cover required for residency applications, contact local authorities in Bulgaria or the appropriate Bulgarian embassy or consulate in the UK.
When you apply for residency, you’ll be asked to show a proof of health insurance.
As a resident, you can pay national health insurance contributions. This will entitle you to cheaper state healthcare, so you’ll only pay a small patient fee rather than the full amount.
If you’re employed or self-employed, you’ll pay monthly national health insurance contributions to the National Revenue Agency (NRA, website in Bulgarian).
If you’re not working, you can either:
pay your contributions to the NRA by registering as a self-insured person
get private health insurance
You may be entitled to a Bulgarian EHIC for travel, including visits to the UK.
You may also have the right to apply for a UK S1 if you start drawing a UK State Pension (see ‘UK-funded healthcare: getting and using an S1 form in Bulgaria’ below).
How to register for healthcare
You first need to register as a resident.
If you’re working for a Bulgarian employer, they’ll arrange for monthly national health insurance payments to the NRA to come out of your salary before you’re paid.
You’ll need to register at your local NRA office (website in Bulgarian) if you’re:
self-employed
registering as a self-insured person
unemployed
Check with your local NRA office what documents you’ll need to provide when you register.
Once you’re making contributions, you can register with a local GP. Make sure they’re registered with the National Health Insurance Fund.
Your GP will help you get a National Health Insurance Card. Show this whenever you see a doctor.
You’ll need a referral from your GP to see a specialist. If you don’t have a referral, you’ll have to pay the full price of the visit or treatment.
How to access healthcare services
Find your nearest hospital or clinic on this GOV.UK page.
How much you’ll pay
If you’re employed, your monthly national health insurance contributions are 8% of your salary before tax, split between your employer and you. Your employer pays 4.8% and you pay 3.2%. Your contribution will be taken out of your salary before you’re paid.
If you’re self-employed, your national insurance contributions will be 8% of your taxable income.
If you do not have a taxable income – for example, you receive a pension – you’ll pay a small health insurance contribution. This is set from the national minimum wage.
Emergency healthcare is free in Bulgaria.
You’ll have to pay a small amount for most other medical services, for example:
from 2.90 Bulgarian leva for a visit to your GP
from 5.80 Bulgarian leva per day for the first 10 days you’re in hospital
Some people may be exempt from paying healthcare costs – for example, if you’ve just given birth or are having cancer treatment. You’ll need an exemption certificate from your doctor.
There are no set costs for dental treatment.
You’ll have to pay for all prescribed medicine. How much you’ll pay depends on the medicine.
If your UK employer has sent you to Bulgaria temporarily (‘posted workers’)
A posted worker, also known as a ‘detached worker’, is someone employed or self-employed in the UK, but temporarily sent to a European Economic Area (EEA) country.
UK posted workers can access healthcare in Bulgaria using a GHIC, EHIC or S1 form.
HMRC has a helpline for National Insurance enquiries from non-UK residents. They can answer questions about posted worker status and explain which documents you will need to get healthcare while posted.
UK-funded healthcare: getting and using an S1 form in Bulgaria
There’s different guidance if you have an S1 as a posted worker (see ‘If your UK employer has sent you to Bulgaria temporarily (‘posted workers’)’ above).
You may be entitled to state healthcare paid for by the UK if you’re a resident in Bulgaria and receive a UK State Pension or an exportable benefit. See Planning your healthcare abroad on the NHS website for more information about eligibility.
You may also be entitled to an S1 form if you’re a frontier worker (someone who works in one state and lives in another). You must contact HMRC National Insurance enquiries to find out if you’re eligible.
Not all UK benefits that can be claimed while abroad entitle you to UK-funded healthcare. Read more about claiming benefits if you move abroad or contact Jobcentre Plus to ask about a benefit.
Once you have an S1 form, you must register it with the Bulgarian National Health Insurance Fund.
This will mean you and your dependants will be entitled to healthcare in Bulgaria on the same basis as a Bulgarian citizen.
You’ll also get:
a UK-issued GHIC or EHIC for travel
planned treatments in other EU countries
You can find out more about using your GHIC or EHIC abroad and the rules on planned treatments in other EU countries on the NHS website.
Dependants and family members may be classified differently in Bulgaria than the UK.
Check with the local authorities when you register your S1 form.
If you’re entitled to an S1 form as a dependant of a State Pensioner, your health cover will be cancelled once you begin claiming your UK State Pension.
You will be sent a new S1 form to your registered address from NHS Overseas Healthcare Services. You must register this form to ensure continuation of healthcare cover.
You are responsible for informing NHS Overseas Healthcare Services if you change your address or your circumstances change.
NHS Overseas Healthcare Services
Telephone: +44 (0)191 218 1999
Monday to Friday, 8am to 6pm
Saturday, 9am to 3pm
How to get an S1 form
If you have a UK State Pension or another qualifying exportable benefit, you must request an application form by phone from NHS Overseas Healthcare Services (see contact details above).
How to use an S1 form in Bulgaria
Once you have an S1 form, you must register it with your local National Health Insurance Fund office.
You’ll get a certificate to show that you’ve registered your S1 form. Bring this with you whenever you visit a doctor or get medical treatment.
This will show you’re entitled to healthcare on the same basis as a Bulgarian citizen.
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