- The policy covers both ailments and accidents
- It can also be taken out for grandchildren and stepchildren
- Access to Familiestöd Direkt [Family Support Direct] – a helpline relating to children and family life
This is what you get in our Child Insurance
|Our Child Insurance||25 prisbasbelopp||50 prisbasbelopp|
|Insurance sum||1 162 500 SEK||2 325 000 SEK|
|Up to 3 487 500 SEK||Up to 6 975 000 SEK|
|Up to 1 162 500 SEK||Up to 2 325 000 SEK|
|Up to 116 250 SEK||Up to 232 500 SEK|
What does price base amount mean?
No medical examination
This means that the insurance carries a limited protection in the event of an ailment during the first half-year but provides compensation for, for example, medical and travel costs. If you have our Pregnancy Insurance with extended protection, Members’ Children policies apply without any time limit in the event of an ailment right from the very day you have signed up for it. A prerequisite is, however, that you sign up for Members’ Children within six months of the child’s birth.
Direct family support
Family Support Direct
The telephone line is exclusive to you who have our pregnancy or child insurance and you can call as many times as you like. It costs you nothing of course.
Included in Family Support Direct:
- Advice from a midwife if you have questions regarding pregnancy
- For questions concerning children; paediatric nurse or sociologist
- Call as often as you want
Family Support Direct
The service is free of charge; it is provided by Falck Healthcare and gives you access to an unlimited number of calls.
Important to consider
Onset of an ailment prior to underwriting
The insurance does not apply to an ailment or physical faults, nor for the consequences of such conditions, if the symptoms were manifest before the day the insurance is taken out.
A calculation example
Alex takes out child insurance for his 3-year old daughter Norah. Prior to Alex taking out the insurance policy Norah has been diagnosed as being diabetic. Compensation is not payable from the child insurance since the ailment was discovered before the policy was taken out.
Limitations in the event of certain ailments
If the insurance is taken out after the age of 6 has been reached the insurance does not apply to neuro-psychiatric disorders (such as late development) irrespective of when the symptoms of the ailment appeared, nor for the following ailments if the symptoms became apparent before the insurance had been in force for at least one continuous year.
If the insurance applies to the following ailments then compensation is payable in the event of medical disability at a maximum of 10 per cent of the insurance sum, but compensation is not payable for financial disability, care costs or temporary parents allowances in respect of seriously ill children.
Mental disorders, haemophilia, cystic fibrosis, epilepsy, ailments affecting the central nerve and muscle systems, sensory-neural hearing disability, malformation and chromosomal abnormalities and obesity.
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.
Limitations in the event of an ailment
In order to have the right to compensation in the event of an ailment, other than medical expenses, travel expenses and crisis treatment expenses, the ailment or symptoms of an ailment shall have been evident no earlier than when the insurance has been in force for at least six months.
This means that the insurance carries a limited protection in the event of an ailment during the first half-year but provides compensation for, e.g. medical and travel costs. If you have our Pregnancy Insurance with extended protection, Members’ Children policies apply without any time limit in the event of an ailment right from the very day you have signed up for it.
A prerequisite is, however, that you sign up for Members’ Children within six months of the child’s birth.
Examples of compensation in the event of an ailment
No compensation: Karin takes out child insurance for Olle. When, after three months, Olle started to wee and drink increasingly often, she became alarmed. Following an examination it transpires that Olle had become diabetic. In this instance the insurance has limited applicability regarding the ailment since the insurance had not been in force for at least six months. Compensation is, however, payable for medical and travel expenses above the excess and crisis management.
Compensation: Karin takes out child insurance for Olle. After a year it emerges that Olle has become diabetic. A major adjustment awaits the family but, since the qualifying period of six months has passed, compensation can be paid. Olle has an illness and accident insurance cover with 25 price base amounts, 1 162 500 SEK, and can receive 235 300 SEKin compensation as you can see in detail below.
Compensation for, and paid-out, amount
- SEK 200 - doctor and travel costs above the excess
- SEK 600 - emergency compensation for hospital overnight stay
- SEK 7,000 - hospital stay 14 days
- SEK 58 125 half care contribution for 1 year
- SEK 174 375 permanent reduction in physical ability (medical disability)
- Total compensated amount — 235 300
Olle’s family can also receive help from the insurance in the form of crisis management.
If the insurance applies to the following illnesses then compensation is payable in the event of Medical disability at a maximum of 10 per cent of the insurance sum, but compensation is not payable for Financial disability, Activity capital, Care costs or Temporary parents allowances in respect of care of seriously ill children.
Ailments covered by the limitation:
- Mental ailments
- Cystic fibrosis
- Ailments within the central nerve and muscle systems
- Sensory-neural deafness
- Malformation and chromosomal abnormality
Frequently asked questions and answers
Doesn’t the municipality or school’s insurance cover everything?
The municipality’s insurance rarely covers ailments, which is one of the most common causes of disability. Many accidents also occur during leisure times when many municipal policies do not apply.
What is so good about child insurance?
A child insurance policy is an important complement to the community’s protection and can make a big difference to the family’s economy. It ensures that your child is insured 24/7 for both ailments and accidents.
The child insurance provides compensation for, for example, care costs, disability and certain diagnoses and also serves as an important financial support for a child who, in the future, has restricted opportunities for working due to a disability.
As an adult, the child can receive financial help that will make a great difference to their quality of life. A child insurance policy is thus able to help the child both now and in the future. In addition, it can provide the family with financial help if a parent is granted care allowance in order to look after the child.
Does the insurance cover all ailments?
Yes, but with a restricted scope for certain ailments. Examples of such ailments are autism, Asperger's syndrome, epilepsy and ADHD. You can read more about it in the insurance terms and conditions under Restrictions to the insurance policy’s validity.
There are also rules governing the age at which the insurance is taken out. If the insurance is taken out after the child’s sixth birthday, it does not, for example, apply to late development. Nor does it apply to certain ailments which present during the first insurance year.
My son sustained a football injury and had to be operated on. Does the insurance apply?
The insurance covers injuries which arise through accidents and, in our insurance, injuries sustained when engaged in sports are also included. Your son’s compensation is calculated, for example, on the basis of hospital stays, scars and any medical disability.
Talk with the football club as well; they may also have an insurance policy. If it is with a company other than Folksam, we sort out the question of compensation in conjunction with them.
My daughter is 12 years old; can I take out insurance for her?
Yes, you can take out insurance for her up to the age of 18 years. It then applies up to and including the policy year in which she turns 25.
We are going to adopt a child from abroad. Can we sign a insurance for her?
Yes, when the child has been given a social security number the insurance part that covers accidental injuries will be valid the following day. day after. The part of the Members child insurance that covers ailments will become valid after six months,