SULF

Health and critical illness insurance

At various ages and in various family situations, you need to be able to compensate for loss of income or major expenses that may arise temporarily – regardless of what illness you are affected by. For this reason, it is good to obtain the security that the sickness and critical illness insurance can offer.

Compensation for sick leave

Compensation for sick leave is paid monthly. The amount of compensation you receive depends on the amount of compensation you have chosen and your level of incapacity, although not less than 25 per cent.

Compensation can be paid after 3 or 12 months’ incapacity, depending on the collective agreement. 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 in the event of 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 insured amount you select for the insurance. The policy statement sets out the scope of the insurance cover as well as the size of the compensation.

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
Cancer (C00-C97 and D05 excluding C44 and secondary tumours C76-C79)* Malignant primary tumour, characterised as uncontrolled cell growth as will 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).
Certain benign tumours in the brain and spinal cord (D32-D33 and D47.1) Benign tumour in the central nervous system membranes, or a benign tumour in the brain and other parts of the central nervous system. 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).
Alzheimer’s disease (F00, G30)  
Atrophies in the central nervous system, Huntington’s disease (G10) and ALS (G12.2) For example, motor neuron disease (ALS).
Parkinson’s disease (G20)  
Demyelinating disease in the central nervous system (G35) For example, multiple sclerosis (MS).
Impaired vision (H54.0. H54.4) Total and irreversible (permanent) loss of sight in one or both eyes.
Hearing loss (total hearing loss under H90-H91) Total and irreversible (permanent) hearing loss in one or both ears.
Acute myocardial infarction (I21)  
Stroke (I60-I64) Cerebrovascular incident (blood clot or haemorrhage) including thromboses, embolisms and burst blood vessels in the brain.
Aortic aneurysm (I71) Aneurysm in the aorta.
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

There are also certain limitations in the event of gross negligence, for compensation in the event of time spent abroad, war, nuclear reaction and certain acts of terrorism.
Below you can download complete terms and conditions and your latest insurance certificate. This will provide you with the details of what applies to your insurance.

Terms and conditions (in Swedish)