Swedish state business travel insurance

The Swedish state provides travel insurance for all state authority employees for business travel both within Sweden and abroad. The insurance provides coverage during the entire business trip and is comparable to a standard travel protection insurance.

Who is covered?

The business travel insurance is a group insurance, which means that all employees of a state authority are covered during their business trips. However, there are certain groups of individuals who are not covered by this insurance, for example students, conscripts (individuals called to military service) and some consultants. For these groups, the public authority can take out other types of insurance, such as Travel insurance and Student UT.

What does the insurance cover?

The Swedish State Business Travel Insurance provides the following coverage:

  • disability and death benefits
  • visits by family members
  • disruption cover
  • assault cover
  • medical and dental care
  • home transport
  • personal property cover
  • baggage delay
  • coverage for crisis and disaster
  • cash assistance
  • third-party liability
  • legal expenses
  • motor deductible

When and where does the insurance policy apply?

The insurance provides coverage during the entire business trip.


There is no deductible associated with this insurance.

Submitting a claim

If you are covered by this insurance, you can make a claim by filling out the claim form - you can find it here on this page. The form must be signed by you and your employer - the state authority - and then sent by regular mail to Kammarkollegiet. Based on your application, we make a decision regarding the amount of compensation you will receive. You may need to include documentation with your application, see the Terms and Conditions for further information.

Where can I find out more?

The Terms and Conditions provide details on how this insurance works. We recommend you read this document in order to learn more about eligibility, terms, etc. You can find the document below.

Terms and Conditions of Insurance

Swedish state business travel insurance, terms and conditions (2020) External link.

Travel insurance, terms and conditions (2020) External link.

Swedish state business travel insurance, terms and conditions (2017).

Submit claim

Your Claim Form and any additional documentation must be sent to us at Kammarkollegiet through the regular post. Our address is:

SE-651 80 Karlstad

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Page last updated: 2020-03-13