Terms and Conditions health and parental insurance for doctoral students with stipends 2016
This is an insurance for stipend-funded doctoral students. It provides compensation when doctoral students stipends are reduced due to absence from studies in the case of illness, parantal leave or temporary parental leave.
Document information
Type of document: Terms and Conditions
Valid from: 01/07/2016
Sender: Insurance Department
Pages in print: 11
2 Content of the insurance
The insurance consists of three parts:
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Sickness benefit
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Parental benefit
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Temporary parental benefit
Where possible, the regulations and concepts of the Social Insurance Code are applied in the policy. The structure of the insurance policy in part also follows that of the Code.
The insurance does not confer entitlement to compensation if the doctoral student is entitled to equivalent compensation under any other insurance cover.
For those whose studies are partially funded through stipends, the benefits in this insurance are limited to that proportion which consists of stipends.
Compensation under the policy is not taxable.
The insurance utilises Compensation Qualifying Income – EGI (Ersättningsgrundande inkomst) – rather than SGI (Sjukpenninggrundande inkomst, Sickness Benefit Qualifying Income). EGI corresponds to the stipend annually received by the doctoral student.
2.1 Compensation Qualifying Income
The amount of compensation is dependent on the insured's Compensation Qualifying Income (EGI) and the extent to which his or her work capacity is reduced.
An insured person's EGI also constitutes the basis for calculating parental benefit at the sickness benefit level and temporary parental benefit.
Compensation Qualifying Income is the annual income in money that an insured person will receive in the form of a stipend. This does not include compensation for literature, insurance, accompanying family members, etc.
The Compensation Qualifying Income may not exceed 7.5 price base amounts for sickness benefit and 10 price base amounts for parental benefit at the sickness benefit level.
In order for it to be possible to establish a person's Compensation Qualifying Income, it is necessary for him or her to have been admitted as a doctoral student at a state university or university college in Sweden and not be a full-time employee.
In order for it to be possible to establish the Compensation Qualifying Income, it is also necessary for some portion of the insured's annual income to derive from stipends for the pursuit doctoral studies.
