DZI review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

DZI suits households in Bulgaria that want a single insurer for car, home, life, health and travel cover, with private health opening at €5 a month. It scores 6.2 overall, and monthly payments spread the cost, though the entry price is not among the lowest here.

Key facts

Best for
Households in Bulgaria wanting monthly health cover from a long-established insurer.
Premium from
€5 (Source, checked September 26, 2026)
Insurance types
Auto, Home, Life, Health, Travel, Breakdown, Home-emergency (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Cover limit
Travel medical expenses limit EUR 5,000 to 50,000 (Source, checked September 26, 2026)
Claims channels
Phone, Online portal, Offices and service centres, Email (Source, checked September 26, 2026)
Age range
16 to 69 years (Source, checked September 26, 2026)
Legal entity
DZI-General Insurance (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
1946 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
dzi.bg

Business insurance

Provider type
Insurer (Source, checked September 26, 2026)
Cover types
Public-liability, Professional-indemnity, Property (Source, checked September 26, 2026)
Premium from
€5 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Legal entity
DZI-General Insurance (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
1946 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInfacebook.com

Pros and cons

Pros

  • Private health cover starts at €5 a month, under the site median of €8.37
  • Monthly payments are available, so the premium runs on the monthly model rather than as a single lump sum
  • Cover spans auto, home and life, letting a single insurer handle motor, property, life, health and travel
  • Health cover is written for adults across 16 to 69 years
  • Support runs through phone, email and help centre for questions before a claim

Cons

  • The starting premium ranks at position 93 of the 252 brands compared, so the entry price sits above the lowest figures on the list
  • Support runs on phone, email and help centre only, with no live messaging route listed for quick questions
  • The personal range stops at auto, home and life, with no pet or motorcycle cover
  • Business cover is limited to public liability, professional indemnity and property, so employers liability is not offered
DZI

Ready to try DZI?

Scored 9.4 / 10 by AssureCue.

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Who it suits

  • Households in Bulgaria that want car, home and health cover from a single insurer
  • Adults who prefer monthly premiums to a single annual payment
  • Travellers who want the medical limit set by the insurer at Travel medical expenses limit EUR 5,000 to 50,000

Who should look elsewhere

  • Readers who want pet or motorcycle cover, since Good Sam Insurance Agency lists those lines in auto, home and renters
  • Small businesses needing employers liability, as public liability, professional indemnity and property stops at public liability, professional indemnity and property
  • Shoppers after a free starting price, since bunq shows €0

Price signals

The price most people meet first is the private health premium, which starts at €5. That compares with a site median of €8.37 for starting prices and an upper quartile of €29.72, while the full site range runs €0 to €3,431.08. Treat that figure as an entry price for budgeting rather than the yearly cost of a policy, since a quote moves with age, cover and risk. DZI sits at position 93 of the 252 brands compared on starting premium, which shows where the advertised number falls on the list. Monthly payments are available and the payment model is monthly, so the premium is collected in instalments instead of once. The cost score here is 6.2 and the overall score is 6.2. For contrast, EuroAsia Insurance quotes from UZS 60,000, while bunq shows €0.

Cover and limits

DZI offers auto, home and life. That is a broad personal book for a single provider, covering the main household needs from motor and property through to health, life and travel. Health cover is aimed at adults across 16 to 69 years, so both younger and older applicants fall inside the band the insurer publishes. On travel, the medical expenses limit runs Travel medical expenses limit EUR 5,000 to 50,000, which sets the ceiling for treatment costs claimed abroad. The personal range carries no pet or motorcycle line, so a household with those needs would need another provider. Good Sam Insurance Agency, by contrast, lists pet and motorcycle cover in auto, home and renters. For anyone weighing a single policy against several, DZI covers the core personal lines and stops at the edges of the household.

The company behind it

DZI operates as DZI-General Insurance, listed as insurer rather than a broker or comparison site. Contracts therefore sit with the insurer itself, so the policy and any claim run directly with DZI. The company is based in Bulgaria and has traded since 1946, which gives it a long record in its home market. Customer contact runs through phone, email and help centre, so questions about premiums, cover or claims can be raised by phone, by email or through the help centre. The claims side opens more routes, through phone, online portal and offices and service centres, so a claim can also be lodged at an office or service centre. Buyers who prefer a broker to handle the paperwork should note that insurer means there is no intermediary between policyholder and insurer.

How DZI compares

Where DZI is available

Available
Bulgaria

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does private health cover cost at DZI?+

Health cover starts at €5 a month. That is the opening premium for the policy, and the site median for starting prices is €8.37, with an upper quartile of €29.72. A quote based on your own age, cover and risk will usually sit above the entry figure.

Can I pay the premium monthly?+

Yes. Monthly payments are available and the payment model is monthly, so the premium is collected in instalments across the year rather than as a single payment. That suits households with a tight monthly budget, and it holds the entry health premium at €5 a month for the starting policy.

Who stands behind the policy?+

The policy is underwritten by DZI-General Insurance, which is listed as insurer rather than a broker. Contracts and claims therefore sit with the insurer itself, so there is no intermediary layer between you and DZI. The company is based in Bulgaria and has traded since 1946.

How do I make a claim?+

Claims can be started through phone, online portal and offices and service centres, so there are several routes in, including a phone line, an online portal, email and offices or service centres. For general questions before a claim, support runs through phone, email and help centre. The in-person route is useful if you would rather hand over paperwork in person.

What lines of insurance does DZI sell?+

DZI sells auto, home and life, which covers motor, property, life, health, travel, breakdown and home emergency. The personal range stops short of pet and motorcycle cover. Good Sam Insurance Agency lists those lines in auto, home and renters, so a household with a pet or a motorbike may need a second provider.

How much travel medical cover is included?+

The travel medical expenses limit runs Travel medical expenses limit EUR 5,000 to 50,000, which is the ceiling the insurer applies to treatment costs claimed abroad. Travellers with a higher medical risk, or a longer stay outside the country, need a limit chosen to match, and that choice is made at the point of sale.

Which ages can buy health cover?+

Health cover is written for adults across 16 to 69 years, so both younger and older applicants fall inside the published band. The range rules out cover for anyone outside it, which matters for a household insuring a very young child or an older relative on a parent's policy.

Does DZI cover businesses?+

Yes, for public liability, professional indemnity and property. Employers liability is not part of that list, so a business needing it would need another provider. EuroAsia Insurance serves a different market, quoting from UZS 60,000, which sits in a different currency from the €5 entry premium shown for DZI.

Sources

  • dzi.bg/business-clients checked September 26, 2026

    Backs: Cover types

    “Obshta grajdanska otgovornost; Profesionalni otgovornosti; Zastrahovka Imushtestvo za biznesa”

  • dzi.bg/en checked September 26, 2026

    Backs: Insurance types, Support channels

    “Vehicles insurance, Property insurance, Health and Life, Travel insurance, Roadside Assistance Insurance, SOS for Home”

  • dzi.bg/en/about/who checked September 26, 2026

    Backs: Provider type, Founded, Headquarters, Legal entity

    “DZI develops and offers a full range of products in the General Insurance and Life Insurance domains”

  • dzi.bg/en/contact checked September 26, 2026

    Backs: Claims channels

    “0700 16 166 - Claim Assistance, in Bulgaria and abroad; Claim Registration; Write to us”

  • dzi.bg/en/individual-clients/individual-health-en/zakrila checked September 26, 2026

    Backs: Age range, Pricing model, Monthly payments, Premium from

    “Age limits: From the age of 16 up to 69 years”

  • dzi.bg/en/individual-clients/individual-travel-en/pomosht... checked September 26, 2026

    Backs: Cover limit

    “Sums insured /limits, amounting to: From EUR 5000 up to EUR 50 000 for main coverage - medical expenses”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

DZI

DZI

Households in Bulgaria wanting monthly health cover from a long-established insurer.

9.4/10See alternatives

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