1 Scope and deductible

1.1 Who does the insurance apply to?

1.1.1 Group insurance

When a university or university college has taken out 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 practicing abroad according to a written agreement on exchange or acceptance between the Swedish educational institution and a foreign educational institution, place of practice, company or organisation.

In this context, “accepted” is defined as registered in LADOK or a corresponding system.

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

1.1.2 Individual insurance

A university, university college or other authority can take out this insurance directly on our website for an individual student or doctoral candidate who is to study or take an internship abroad when this is not governed by a written agreement between the educational institutions according to point 1.1.1.

The insurance order must then state:

• The insured’s name and personal ID number or date of birth

• the insurance period and

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

1.2 Where and when does the insurance apply?

1.2.1 Group insurance

• The group insurance is valid during direct travel between Sweden and the country of study at the start and end of the studies. The insurance covers the insured 24 hours a day in the country of study for the period of time for the insured’s studies or internship in that country. It also applies two weeks before the studies/internship start and two weeks after the studies/internship end if the insured is in the country of study. The insured’s actual period of studies/internship in the country of study shall be registered in an appropriate manner at the university/university college in Sweden.

The insurance is also valid during holidays, provided the insured remains in the country of study and the studies continue after the holiday.

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

If the country of study is the country in which the insured is domiciled, the only clauses that apply are 2.1 Personal injury cover and 2.11 Liability cover.

1.2.2 Individual insurance

The individual insurance is valid during direct travel between Sweden and the country of study at the start and end of the studies. The insurance provides cover 24 hours a day during the insurance period agreed upon in those countries where the studies/internship are held. The countries shall be specified when taking out the insurance and be stated in the confirmation and the insurance certificate.

1.3 Distance learning

If the insured is in Sweden and is studying with a university abroad by means of distance learning, the insurance covers accidents which occur during distance learning, if the accident can be directly related to the studies to be conducted. Please refer to clause 2.1 Personal injury cover, for compensation for personal injuries.

1.4 Insurance certificate

Kammarkollegiet can issue a certificate of insurance if the university/university college orders this for the insured from Kammarkollegiet. If a student is covered by group insurance, the university issues a certificate of insurance for the insured, if necessary.

1.5 What terms apply when the Swedish Ministry of Foreign Affairs advises against travel?

The insurance does not apply in countries where the Ministry of Foreign Affairs advises against all travel. If the Ministry of Foreign Affairs advises against all travel to a specific area in a country, the insurance does not apply in that part of the country.

The above applies when such advice from the Ministry has been issued before or on the day of travel. If the insured has started his or her outward journey before the advice has been issued, the insurance will continue to apply during a transitional period (max. 30 days), allowing the insured to leave the country and return to Sweden. The same applies if this part of the insurance has come into effect during an ongoing visit abroad. If the insured’s residence is not in Sweden, the insurance may cover the travel to the home country.

On exception, Kammarkollegiet may issue an exemption from the 30-day rule. Kammarkollegiet must be notified as soon as the insured is aware that he or she is not able to travel back to Sweden or the country where the insured is domiciled within the transitional period of 30 days.

Compensation for repatriation is evaluated in accordance with clause 2.5 Interruption cover.

1.6 Deductible

The insurance applies without any deductible with the exception of clause 2.6 Property cover, where the deductible is SEK 1,500, and clause 2.12 Legal costs, where the deductible is calculated according to the method specified in that clause.