At different ages and in different family situations, you need to be able to compensate for loss of income or major expenses that may arise temporarily – regardless of your illness. For this reason, it is good to have the security offered by health and critical illness insurance.
Overview
Compensation for sick leave
Compensation for sick leave is paid monthly. The amount of compensation you receive depends on the sum insured that you have chosen and your level of incapacity, although not less than 25 per cent.
Compensation may be paid after three months of incapacity for work. Compensation is paid for a maximum of 36 months.
The insurance also applies to grant recipients who are not covered by the Swedish Social Insurance Agency’s regulations regarding SGI.
Compensation for certain diagnoses
Compensation is paid at SEK 60 000 if, due to a serious illness or accidental injury, you are given one of the following diagnoses determined by a medical specialist in Sweden.
If you have a diagnosis caused by illness, the diagnosis must have been made after the insurance has been valid for at least three consecutive months in order for you to be entitled to compensation for the diagnosis.
The compensation is the same as the sum insured that you select for the insurance. The policy statement sets out the scope of the insurance cover as well as the amount of the sum insured.
Compensation for crisis intervention
If you suffer from mental ill health as a direct consequence of a diagnosis that grants entitlement to compensation in this insurance, you can receive crisis intervention in the form of ten treatments with a therapist or psychologist that we appoint. We will also reimburse reasonable and necessary costs for travel and interpreters.
Diagnoses
The following diagnoses are covered by your insurance policy
| Diagnosis | Description |
|---|---|
Alzheimer’s disease (F00, G30) |
|
Other dementias (ICD F01-F03, G31.0 - G31.1, G31.8-G31.9) |
|
Cancer (ICD C00-C97 (malignant tumours) and D00-D09 (cancer in situ) excluding C44, C91.0, C91.0a-C91.0b, C92.0-C92.1, C92.3-C92.6, C92.0a-C92.0b, C93, C94.4, D00-D00.1, D01.4-D01.9, D02.0, D02.4, D04, D07.0-D07.4, D07.6, D09.0-D09.9, D09.99, D09.9.9.9, D099.9. |
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). |
Meningitis (ICD A39, G00.0, G00.1) |
|
Myocardial infarction (ICD I21-I22) |
|
Motor neurone disease ALS (G 12.2) |
|
Multiple sclerosis – ICD G35 |
|
Musculoskeletal disorders (ICD M00-M01, M30-M32, M34, M86.3-M86.4, M87.0) |
|
Parkinson’s disease (G20) |
|
Psoriatic arthritis (ICD M07) |
|
Rheumatoid arthritis (ICD M05-M06) |
|
Schizophrenia (ICD F20, F25) |
|
Cerebrovascular diseases (ICD G46.0-G46.8, I60-I61, I62.0, I63, I67.0, I68.1-I68.2, I69.1-I69.2) |
|
Renal disorders (ICD E10.2, E11.2, N02-N07, N18) |
|
Central nervous system viral diseases (ICD A83-A86) |
Important to consider
Compensation in the event of certain diagnoses is provided as a lump sum that is paid out at the earliest 30 days after a diagnosis has been made.
No compensation is paid if you die within this 30-day period.
Compensation can be paid for a maximum of three different diagnoses.
General limitations
Certain limitations also exist in the case of gross negligence, for compensation in case of stay abroad, war, nuclear reaction and certain acts of terrorism.
You do not need to complete a health declaration to take out the insurance. In the first 12 months after taking out the insurance, there is a restriction that means you cannot receive compensation for an ailment or bodily injury for which you sought care before the insurance took effect.
Terms and conditions
Here you can download insurance terms and conditions. You can read in detail what applies to the insurance. For example, you need to do this before you take out the insurance and when you have suffered an injury.