This is included in Ailment 60+
With Ailment 60+, you have that opportunity and you can keep the insurance going until you turn 85. If you are given one of the following diagnoses, caused by an ailment, you can receive tax-free lump-sum compensation.
How does Ailment 60+ work?
You can read more about how the insurance works here.
Take out insurance for your life partner
You can take out Ailment 60+ for your spouse, registered partner or co-habitee. Contact Customer Services - 0771–58 59 02 and we will help you.
Compensation after a specific number of days
In order to be able to be compensated, at least 180 days must have elapsed between taking out the insurance and the day when the diagnosis is made.
This qualifying period does not apply if, within 90 days from withdrawing from our Illness and Survivor Insurance, you change over to Ailment 60+.
You have a right to compensation when 30 days have elapsed after the diagnosis is established.
If you become ill again
If you have already received compensation for a diagnosis, special rules apply should you be unfortunate enough to be afflicted again:
- Compensation can be paid for a maximum of three different diagnoses.
- You cannot receive compensation for the same diagnosis more than once.
How much compensation can I get in money?
The extent of the compensation depends on your (group member’s) age. If you are under 70, you receive SEK 40,000. If you are between 70 and 74, you receive SEK 34,000 and, if you are between 75 and 85, you receive SEK 27,000. It is up to you what you want to do with the money.
These diagnoses are covered by Ailment 60+
The diagnosis must be determined no later than the month in which you reach 85 as a group member. You cannot receive compensation for a diagnosis you already had when the insurance was taken out.
|Cancer (C00-C97 and D05 excluding C44 and secondary tumours C76-C79)*||Malignant primary tumour, characterised as uncontrolled cell growth as well as infiltration of surrounding tissue.
The diagnosis must be based on, and determined through, a histological or cytological examination of a removed tumour or a performed biopsy, conducted by a doctor specialising in tissue studies (pathological anatomy).
|Acute myocardial infarction (I21)|
|Stroke (I60-I64)||Cerebrovascular incident (blood clot or haemorrhage) including thromboses, embolisms and burst blood vessels in the brain.|
|Atrophies in the central nervous system (G10-G13)||For example, motor neuron disease (ALS)|
|Parkinson’s disease (G20)|
|Impaired vision (H54.0, H54.4)||Total and irreversible (permanent) loss of sight in both eyes|
|Impaired hearing (H90-H91)||Total and irreversible (permanent) loss of hearing in both ears|
|Dementia in regard to Alzheimer’s (F00.1)|
Frequently asked questions and answers
Is there any age limit with regard to death due to an accident in Accidents 60+?
No, there is no age limit with regard to compensation.
Can one change the beneficiary provision from the deceased’s estate to a person of your own choice?
Yes, by sending in a separate beneficiary provision to Folksam. Contact our Customer Service - 0771–58 59 02 and we will help you.