Check your health insurance status in Bulgaria (2026)

You go to the doctor or are admitted to hospital, and at the desk you learn that your health insurance status is “interrupted”. At that moment treatment that should have been free suddenly comes out of your own pocket.

The good news: the check takes less than two minutes, needs only your personal identification number (ЕГН) and is completely free. Here is how to check your status and, if it is interrupted, how to restore it.

❓How do I check my health insurance status by ЕГН?

✅Open portal.nra.bg, enter your ЕГН and date of birth. The service is free, needs no registration and shows immediately whether your rights are active (uninterrupted) or interrupted. The data is maintained by the National Revenue Agency (НАП), not by the National Health Insurance Fund (НЗОК).

Source: НАП

Ways to check your health insurance status

There are several ways to check your status. The fastest is the NRA online portal, which needs nothing more than your ЕГН.

Method	What you need	When to choose it
NRA online portal	Only your ЕГН and date of birth	A quick check of whether your status is active
With an NRA personal identification code (ПИК)	Your personal identification code (ПИК)	A detailed report showing which months have not been paid
Phone 0700 18 700	Your ЕГН, a call to the NRA	If you prefer to ask a person directly
At the counter of an NRA office	Your ID card	When you need a document or assistance

NRA information line: 0700 18 700. The online check is free and anonymous.

For an ordinary check the portal is enough. If you see that your status is interrupted and you want to know exactly which months are missing, sign in with your ПИК.

The online check step by step

Open portal.nra.bg

The “Health insurance status” service (Здравноосигурителен статус). It is available without registration.

Enter your ЕГН and date of birth

No password is asked for. Make sure you are on the official nra.bg domain.

Read the result

The system shows the status “uninterrupted” or “interrupted” rights.

See which months are missing

with a ПИК

If the status is interrupted, the report lists the unpaid months.

Ask Pravko and get an answer with citations from the law.

Important: the status is maintained by the NRA, not by the НЗОК

Many people look for their status on the website of the National Health Insurance Fund (НЗОК) and cannot find it. The reason is simple: the National Revenue Agency (НАП) collects the health contributions and calculates the status, while the НЗОК pays for the treatment. That is why the check is always in the NRA portal.

Security warning

Enter your ЕГН only on the official domain nra.bg. There are fake websites that imitate the NRA to steal personal data. The check is always free, is never paid for and never asks for bank information.

Active versus interrupted rights: what it means

The result of the check is one of two statuses. The difference for your wallet is huge.

	Active (uninterrupted) rights	Interrupted rights
Right to treatment under the НЗОК	Yes, covered	No, you pay the full price
GP and specialist	Free with a referral	You pay for the appointment yourself
Tests and hospital	Covered by the НЗОК	At your own expense
How it looks in the report	“Uninterrupted rights”	“Interrupted rights” + a list of months

With interrupted rights you still owe the contributions, but you lose the coverage.

When rights are interrupted: the rule of more than three contributions

Rights are not lost because of one missed contribution. The law is specific: you lose them when you have not paid more than three monthly contributions that fell due within a period of 36 months.

more than 3

unpaid monthly contributions within 36 months interrupt your rights

Source: ЗЗО, Art. 109(1)

Note the word “more”. Exactly three missed contributions do not interrupt your rights; the interruption starts from the fourth. The count covers the last 36 months before the month of treatment.

Health Insurance Act (ЗЗО)

Art. 109(1)

Official Bulgarian text

„Здравноосигурителните права на лицата, които са длъжни да внасят осигурителни вноски за своя сметка, се прекъсват, в случай че лицата не са внесли повече от три дължими месечни осигурителни вноски за период от 36 месеца до началото на месеца, предхождащ месеца на оказаната медицинска помощ, като лицата с прекъснати здравноосигурителни права заплащат оказаната им медицинска помощ.“

Working on an employment contract? Your rights are protected

If you work on an employment contract and your employer has not paid your contributions, this does not interrupt your rights. The rule of more than three contributions applies to people who insure themselves at their own expense, the self-insured and people without income. The employer, not you, is responsible for the employer’s failure to pay (Art. 109(4) ЗЗО).

Consequences of an interrupted status

While your status is interrupted, you are in practice uninsured, even though you are obliged to pay contributions.

What you lose when rights are interrupted

You pay the full price at the GP, the specialist and in hospital.
Referrals and tests are not covered by the НЗОК.
You may have a problem getting certain documents linked to your health status.
Your debt to the NRA keeps growing until you pay and restore your rights.

How to restore your rights

Restoring them is entirely in your hands and needs no application or approval. You pay the contributions due and the rights come back.

Steps to restore your rights

Check which months you owe

Pay all the contributions due

The law requires you to pay what is due for the last 60 months (Art. 109(2) ЗЗО).

Rights are restored from the date of payment

Immediately after payment you are again entitled to treatment under the НЗОК.

The health contribution for 2026 is 8% of the insurable income. How much you pay per month depends on your category.

Monthly health contribution for 2026

Person without income (Art. 40(5) ЗЗО)

8% of the minimum income of €275.33

€22.03 (BGN 43.09)

Self-insured person

8% of the minimum income of €550.66

€44.05 (BGN 86.16)

Total

depends on the number of missed months (up to 60)

The amounts are minimums and apply for 2026, retained by the extension law (State Gazette issue 113/2025) until the new budget is adopted. Fixed rate: €1 = BGN 1.95583. To restore your rights you pay all the months due, up to 60. Note: what you paid for treatment during the interruption is not refunded (Art. 109(3) ЗЗО).

What you paid during the interruption is not refunded

If you paid for treatment while your status was interrupted, that money is not refunded to you, even after you pay the contributions. That is why it is better to check your status regularly rather than only at the doctor’s door.

Who has to pay contributions themselves

If you work on an employment contract, your employer withholds and pays your contributions. But some categories of people must insure themselves, and they are the ones who most often end up with interrupted rights.

People who pay health contributions themselves

If you are in one of these categories, check your status every month.

Unemployed people without benefit from the Labour Office (Бюро по труда)

If you are not registered or the benefit has run out

Self-insured people

Freelance professions, managers, farmers

Students over a certain age

When they are no longer insured at the state’s expense

Bulgarians abroad who have not submitted an application

If you have not declared residence outside the country (Art. 40а ЗЗО)

If you are a Bulgarian citizen living abroad for more than 183 days a year, you may be exempt from paying contributions for that period, but only after submitting an application to the NRA in advance (Art. 40a ЗЗО). Without an application the contributions keep accruing and your status may be interrupted while you are abroad.

Frequently asked questions

❓Why is my status interrupted if I work on an employment contract?

✅If you work on an employment contract, your employer’s failure to pay does not interrupt your rights (Art. 109(4) ЗЗО). If you still see an interrupted status, the most common cause is an earlier period of self-insurance, unemployment or living abroad without declaring it. Sign in with your ПИК to see exactly which months are missing.

Source: ЗЗО, Art. 109(4)

❓How many months back do I have to pay to restore my rights?

✅You pay the contributions due for the last 60 months (Art. 109(2) ЗЗО). Your rights are restored from the date of payment. The period in which the interruption is tested, however, is 36 months back.

Source: ЗЗО, Art. 109(2)

❓Does the NRA or the НЗОК maintain the data on my health status?

✅The data is maintained by the National Revenue Agency (НАП), which collects the contributions and calculates the status. The НЗОК pays for treatment, but the check is made in the NRA portal. If you are looking for a check of your specific health contributions (who paid what and how much), see our separate article.