1 Taking out, scope and deductible

1.1 Which insurance can be taken out?

This insurance can be taken out by a government authority that wishes to provide an insurance in the event of a service abroad pursuant to the Agreement on contracts abroad and guidelines for terms of employment when serving abroad (URA). The agreement’s definitions are applied in this insurance.

The insurance can be taken out either as a group insurance or as individual insurance for named individuals.

Group insurance

If the authority chooses to take out a group insurance, prior to every insurance period (normally 12 months), the authority shall provide information to Kammarkollegiet regarding the estimated number of insured man-days during the period with regard to both employees stationed abroad and accompanying family members. The insurance will then cover all the authority’s employees stationed abroad, all accompanying family members to such an employee and all non-accompanying family members who visit the employee in the country of service.

Individual insurance

When taking out an individual insurance policy, the authority shall in its order state:

• name and personal ID number of those to be covered (children who have turned 19 are not covered)

• the term of the insurance

• the foreign service location

• invoice address and invoice reference

For every such order, the authority receives an insurance confirmation and an invoice for the premium, which is calculated on the number of insured man-days. If at the time of order, it is not clear if and if so when family members who are staying outside the country of service will travel to visit, insurance for them may be taken out separately.

1.2 Who is covered by the insurance and when does it apply?

The insurance applies worldwide including Sweden (except 2.5 Medical, dental and home transport cover, which only applies abroad). It also applies in war zones.

1.2.1 Group insurance

In the event of group insurance, the insurance applies for the employee throughout the entire period of service. In addition to the period of cover, the insurance also applies during the direct travel and return between the city of residence in Sweden and the country of service, on condition that this journey is made no earlier than two weeks before the beginning of the period of service or two weeks after the end of the period of service.

For accompanying family members, it applies during the same time with the following exceptions:

• The insurance does not apply during time when the family member has not yet taken his or her outbound journey and not during time after the family member’s final journey home.

• It does not apply during travel to and from and stays in a third country, which is not directly adjacent to the country of service when the employee does not come with on the journey or stays in this country.

The insurance applies for family members who are outside the country of service who visit the employee in the country of service on condition that the employer has paid the travel costs. In addition to the period of visit in the country of service, the insurance also applies during the direct outbound and return travel between the city of residence in Sweden and the country of service.

Before the beginning of the period of service

The insurance covers the employee and accompanying family members who due to e.g. moving into a home is in the country of service for a maximum of two weeks before the beginning of the period of service.

After the end of the period of service

The insurance covers the employee and accompanying family members who due to e.g. closing up a home and removal is in the country of service for a maximum of two weeks after the end of the period of service.

School attendance

The insurance covers accompanying children who due to school attendance are in a third country on condition that the employer reimburses their school costs.

The insurance covers the employee, accompanying children and family members who due to school attendance are in the country of service before the employee has taken his or her position. The insurance covers accompanying children over the age of 19 who are in upper-secondary school or the equivalent that the employer pays educational allowance for (or would have paid if the school charged fees). However, the insurance applies no longer than until the child turns 21.

1.2.2 Individual insurance

In the event of individual insurance, the insurance protection applies during the time that is stated in the insurance confirmation from Kammarkollegiet.

1.3 Deductible

The insurance applies without deductible.