5 Definitions

5.1 Relative

Relative is defined as:

• 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 and step-siblings***

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

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

*** Parent’s spouse, cohabiting partner and children of parents as referred to above.

5.2 Emergency medical care

Care for rapidly occurring and relatively short-term medical complaints, that arise suddenly during the insurance period and for which the insured must seek medical aid within a few days. In this context, emergency medical care has the same definition as the term immediate health care in section 4 of the Health and Medical Services 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 stomachache or fever.

5.3 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 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, compensation is only paid for the acute treatment that is performed abroad.

5.4 Base amount

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

5.5 The insured

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

5.6 Residence

The insured’s residence is defined as the place where the insured lives permanently.

5.7 The authority

The authority refers to the authority that took out the insurance.

5.8 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 diving lessons. The insurance does not cover frostbite injuries that do not occur suddenly.

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, internship 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 practicing injection or sample taking during health care teaching.

Repetitive strain or overload injuries, twisting injuries and damage to teeth when chewing or biting are not defined 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.

However, twisting injuries to the knee are defined as an accident

5.9 Personal property

Personal property refers to property for private use that the insured takes with him or her or buys on the journey. The property shall belong to the insured, i.e., not be rented or borrowed.

5.10 Cohabitant partner

In this context, cohabitant partner refers to the same as in the Cohabitees Act (2003:376).

5.11 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 governmental personal injury cover.

5.12 Start of studies

The term start of studies 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 study 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.

5.13 End of studies

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

5.14 Country of study

The country where the university or internship that accepts the insured is domiciled.