1 Scope, definitions and deductible

1.1 Who does the insurance apply to?

1.1.1 Group insurance

When a university or university college has obtained this insurance as a group insurance, it applies to all exchange students who have been accepted for and are undertaking further education, education as a researcher or internship abroad. Exchange student means a student who is studying or undergo internship abroad according to a written agreement on exchange or acceptance between the Swedish educational institution and a foreign educational institution, internship, company or organisation.

In this context “accepted” means registered in LADOK or a corresponding system.

The studies or internship abroad must give HE credits in the course of education in which the student has been accepted and is taking in Sweden.

1.1.2 Individual insurance

A university, college or other authority can subscribe to this insurance directly on our website for an individual student or doctoral candidate who is will be studying or undergo internship abroad when this is not done according to a written agreement between the educational institutions according to point 1.1.1.

The insurance order must then state:

1. the student’s name and personal ID number or date of birth

2. the insurance period and

3. the authority, invoice reference and contact person at the authority.

1.2 Where and when does the insurance apply?

The group insurance is valid during direct travel between Sweden and the country of the educational course. It is valid 24 hours a day in the country of the educational course during the period of the student’s education or practice abroad, as well as two weeks before the start of study/internship and two weeks after the end of study/internship. The student’s actual study/internship period shall be registered in an appropriate manner at the university/university college in Sweden.

The insurance is also valid during holidays, as long as the insured remains in the country of the educational course and the studies continue after the holiday.

The insurance is also valid during direct travel from one educational course country to another in order to continue the exchange studies in that country.

Individual insurance is valid 24 hours a day and worldwide during the agreed insurance period.

1.3 Insurance certificate

Kammarkollegiet can issue a medical insurance card (MIC) or certificate of insurance if the university/university college orders this for the student. If a student is covered by group insurance, the university/college issues an MIC or certificate of insurance if needed. The MIC has no payment function. The insured can pay the costs or contact Falck Global Assistance.

1.4 Definitions

1.4.1 Relative

Relative means:

• Spouse

• Cohabiting partner who is registered at the same address as the insured

• Child

• Grandchild

• Sibling

• Parent

• Grandparent

• Parent in law*

• Son/daughter in law**

• Stepmother/stepfather***

* Parent of spouse or of cohabiting partner as referred to above.

** Child’s spouse or cohabiting partner as referred to above.

*** Parent’s spouse or cohabiting partner as referred to above.

1.4.2 Emergency medical care

Care for symptoms that arise suddenly during the insurance period and for which the insured must seek medical aid within a few days. Here emergency medical care has the same meaning as the term immediate health care in section 4 of the Health Care Act (1982:763). Examples of emergency medical care include care that is needed for an illness that occurs during a stay abroad or where care is needed as quickly as possible, such as with stomach ache or fever.

1.4.3 Emergency dental care

Care that means that the insured becomes free of pain and infection, that any visible gaps are temporarily filled and that there is one (1) functioning chewing surface. Here emergency dental health care has the same meaning as the term immediate dental health care in section 6 of the Dental Health Care Act (1985:125). Visible gap means the complete or partial loss of any of the ten front teeth in the lower or upper jaw. In the event of damage to teeth during chewing or biting, reimbursement is only given for the emergency treatment that is performed abroad.

1.4.4 Base amount

Base amount refers to the base price amount according to chapter 2 section 7 of the Social Insurance Regulations.

1.4.5 The insured

The insured refers to the person who is covered by the insurance.

1.4.6 The authority

The authority refers to the authority that subscribed to the insurance.

1.4.7 Accident

Accident refers to a bodily injury caused by an involuntary and sudden event involving external violence to the body.

Injury during scheduled physical exercise or health care practice or other practical tuition with a high level of physical strain is considered to be an accident even if the requirement for external violence is not met.

The effects of smoke, gas, chemical substances, heat, cold or radiation are considered to be equivalent to external violence. The same applies to changes in pressure and other effects on the body during the teaching of diving.

In spite of the requirement for an involuntary event, sudden events involving external violence to the body are also considered to be accidents if they arise in connection with work, education, practice or exercises that the insured participates in voluntarily, if the event is an undesired and unforeseen consequence of this. The same applies to injury or illness that arises in connection with practising injection or sample taking during health care teaching.

Repetitive strain or overload injuries, twisting injuries (except to the knee) and damage to teeth when chewing or biting are not counted as accidents. The same applies to heart attack, cerebral haemorrhage etc., as well as illness caused by bacteria, virus or other infection that did not arise in connection with a sudden and involuntary event involving external violence to the body.

1.4.8 Personal property

Personal property refers to property that the insured takes with him or her, borrows from a private individual or buys on the journey for private use.

1.4.9 Cohabitant partner

Here cohabitant partner refers to the same as in the Cohabitation Act (2003:376).

1.4.10 Illness through infection

Illness through infection refers to the same as occupational injury through infection in section 5 of the ordinance (1977:284) on occupational injury insurance and government personal injury cover.

1.4.11 Start of study

The expression start of study refers to the start of term, start of course or date on which the course of study at the educational institution in the country of the educational course begins. Introductory courses, language courses and similar preparatory activities for study that are organised at the foreign educational institution are included in the teaching period.

1.4.12 End of study

The expression end of study refers to the end of term or of the course, when the teaching or practice period finishes. Examination or trial periods that are directly connected with the study or practice period are included in the teaching period.

1.4.13 Country of the educational course

The country where the studies or internship take place.

1.5 Deductible

The insurance has no deductible, with the exception of 2.6 Property cover, where the deductible is SEK 1,500 SEK.