2 Insurance cover

2.1 Personal injury cover

In the event that the insured party suffers accidental personal injury or contracts an infectious disease during the insurance period, reimbursement for personal injury is paid in accordance with chapter 5, sections 1, 2 and 5 of the Swedish Tort Liability Act (1972:207) as if liability to pay damages had existed.

Reimbursement for personal injury according to chapter 5, sections 1 and 2 of the Swedish Tort Liability Act includes, among other things, healthcare costs, loss of income, pain and suffering and disfigurement or other permanent injury. Reimbursement according to section 2 of the above mentioned Act also covers funeral costs, loss of maintenance and personal injury for the next of kin of the deceased.

In questions of reimbursement for loss of earnings, the rules on calculation of the annuity base in chapter 41, sections 8-18 of the Swedish Social Insurance Code (2010:110) apply. These rules relating to loss of earnings do not apply to sick leave that is shorter than 31 days.

Personal injury in connection with assault is compensated to the extent that the insured does not, within a reasonable time in consideration of the nature of the injury and the need for reimbursement, receive damages from the perpetrator, the perpetrator’s insurance company or another, although no later than three years after Kammarkollegiet has been notified.

Should the personal is suffered or the infectious disease contracted lead to death within a period of three years, one base amount, in addition to the any amounts already paid, is paid to the estate. In the event that the deceased has children who have not yet reached the age of 18, three base amounts will be paid to each such child, and three base amounts will be paid to the surviving parent of each such child in their capacity as beneficiaries of accident insurance, in addition to reimbursement for the loss of maintenance pursuant to the first paragraph, provided that the surviving parent is or shall become as a result of the death a legal guardian.

Necessary and reasonable costs are reimbursed in the event of damage to teeth caused by an accident. For implant treatment and dental veneers, reimbursement is only paid on condition that the treatment is of such a kind as is covered by the general dental insurance policy. Before treatment is given, the insured party or the dentist administering the treatment must contact Kammarkollegiet for an assessment of whether the treatment is reasonable. The insurance policy only provides reimbursement for one (1) permanent treatment. Reimbursement is not paid for damage caused by chewing or biting, as this is not considered to be an accident under this clause.

Provisions

In the event of serious illness, hospitalisation or the need for home transport or other active assistance due to injury abroad, the insured must contact:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 87 71 762

E-mail: fga@se.falck.com

Falck Global Assistance can be reached around the clock.

An assault must be reported immediately to the local police. The insured shall produce evidence that a police report has been made. If Kammarkollegiet so requires, the insured must bring legal action for damages against the perpetrator. Kammarkollegiet will then cover all the insured party’s costs that are not otherwise covered.

The insured party must observe normal caution, i.e. if possible avoid dangerous areas and situations and otherwise do what may reasonably be expected in order to avoid being the victim of assault or other injury. In the event of negligence, reimbursement is normally halved, unless the circumstances are such that the negligence was very minor or had little significance for the insurance claim. In the event of gross negligence, the right to reimbursement may be lost completely. The same applies if the insured was under the influence of alcohol, sleeping pills, narcotics or other intoxicant or committed a deliberate act that could lead to at least day fines under Swedish law.

Limitation

Personal injury cover does not apply when participating in the following high-risk activities during leisure time or holidays:

• Motorsport racing

• Martial arts

• Sporting competitions and training at elite level

• Parachuting, skydiving

Personal injury cover under this insurance policy only applies to the extent that corresponding reimbursement cannot be given through a collective agreement on reimbursement for occupational injuries or through another corresponding insurance policy, through motor vehicle insurance or according to the rules of liability for the operator of rail or air travel or other facility for which the rules for injury are specifically regulated by law.

In cases where there is a right to annuity according to the Social insurance Code (2010:110), the occupational injury annuity is coordinated with reimbursement under this insurance policy.

This insurance policy covers damages/injuries or expenses only to the extent that reimbursement cannot be obtained according to the Swedish Social Insurance Code (2010:110), other legislation or another insurance policy.

The insurance policy does not cover injuries that have not been documented in the form of medical records, certification, etc. within the healthcare service in connection with the event.

The insurance policy does not cover victimisation or abusive behaviour.

2.2 Disability and death benefits

In the event of an accident that results in medical disability, a lump sum is paid pro rata to the degree of medical disability. In the event of a medical disability of one hundred per cent, the lump sum is 22 price base amounts. This calculation uses the price base amount for the year in which the disability is confirmed. The amount is paid as soon as it has been possible to confirm the definitive degree of disability. If this has not been possible within one year of the accident, a provisional amount is paid in relation to the lowest permanent degree of disability the accident is deemed likely to give rise to. Final settlement then takes place as soon as the definitive degree of disability has been confirmed. If this has not been possible within three years of the accident, a final settlement is made in accordance with the definitive degree of disability assessed at this time. Any surplus paid out in the preliminary payment will not be reclaimed.

If an accident results in death within three years, a lump sum payment is made upon death.

If the insured party has not drawn up a special beneficiary provision for the insurance policy, the spouse or cohabitant and children under the age of 20 are the beneficiaries. If there are no such relatives, then the insured’s legal heirs are the beneficiaries.

When the surviving dependents consist solely of a spouse, registered partner or cohabitant, or a child under 20 years of age, the amount is 11 price base amounts.

If there is a spouse or cohabitant as well as children under the age of 20 among the surviving dependents, the sum is 22 base amounts.

In other cases, it is 6 price base amounts.

When performing the calculation, the price base amount in the year of death is used. Where applicable, any lump sum paid out for disability is deducted from the lump sum in the event of death.

If a spouse or cohabitant and children are beneficiaries, half of the insurance sum shall be paid to the spouse, registered partner or cohabitant and the remainder to the insured party’s children.

If a divorce case or the dissolution of a registered partnership was in progress at the time of death, the spouse or registered partner is not the beneficiary.

If the person who may be covered by the insurance policy wishes to specify beneficiaries other than those stated above, a special beneficiary provision must be drawn up. The amounts stated above, depending on the group of surviving dependents, can be distributed in the manner specified by the insured party himself/herself in the beneficiary provision. A form for this is available from Kammarkollegiet. Once drawn up, a provision must be submitted immediately to Kammarkollegiet for storage.

Limitation

Disability and death benefits does not apply when participating in the following high-risk activities during leisure time or holidays:

• Motorsport racing

• Martial arts

• Sporting competitions and training at elite level

• Parachuting, skydiving

2.3 Visits by close relatives

In the event of a life-threatening medical condition or the death of the insured party, reasonable costs of travel and accommodation are reimbursed for a maximum of three close relatives in connection with visits. Reasonable and necessary additional costs of up to SEK 5,000 per relative, including room and board as well as local transport, are reimbursed. The same applies in connection with a funeral abroad. Such journeys must always be approved in advance by Kammarkollegiet or Falck Global Assistance. Visits which do not receive the advance approval of Kammarkollegiet or Falck Global Assistance may not be eligible for remuneration of travel and additional costs.

If the close relative is in a country other than Sweden, the insurance policy can reimburse travel costs corresponding to what a trip from Sweden would have cost. The illness or death must be confirmed by means of a doctor’s certificate or death certificate.

2.4 Travel to a close relative

The insurance policy reimburses reasonable additional costs for a return trip to Sweden in the event of the life-threatening medical condition or death of a close relative. The insurance cover is limited to one (1) trip per life-threatening illness/death of a relative. Travel to and from the airport in the country of service can be reimbursed if the trip is made by public transport. Costs incurred in Sweden are not reimbursed.

If the close relative is in a country other than Sweden, the insurance policy can reimburse travel costs corresponding to what a trip to Sweden would have cost. Costs incurred in third countries are not reimbursed.

The life-threatening illness or death must be confirmed by means of a doctor’s certificate or death certificate.

2.5 Medical and dental care cover

2.5.1 Medical care

Reimbursement is paid for necessary, reasonable and documented costs of emergency medical care abroad. For each event, such costs are reimbursed for a maximum period of 90 days from the date of first contact with the care provider.

The insurance policy reimburses necessary and reasonable costs for neonatal care in the event that a child is born prematurely. The period for which such costs are reimbursed occurs in consultation with Kammarkollegiet as well as Falck Global Assistance.

The insurance policy covers abortion costs in the country of posting. If abortion is prohibited in the country of posting, contact Falck Global Assistance or Kammarkollegiet.

Any additional costs (e.g. board and lodging, rebooking of ticket) are not reimbursed. The insurance policy does not reimburse costs of medical check-ups, vaccinations or other planned medical care.

2.5.2 Maternity care and childbirth

2.5.2.1 Maternity care

The insurance policy covers necessary and reasonable costs for maternity care in the country of posting that is equivalent to the care provided by Region Stockholm. In connection with Kammarkollegiet receiving a notification of pregnancy, more detailed information is sent out to the insured party.

2.5.2.2 Childbirth

In the first instance, childbirth shall occur in Sweden. A return journey to Sweden must be planned well before the 27th week of pregnancy.

If there are special reasons, childbirth may occur in the country of posting. Kammarkollegiet shall assess whether special reasons exist.

In the event that Kammarkollegiet approves childbirth in the country of posting, childbirth costs comparable to the Swedish national health system per the guidelines of Region Stockholm are reimbursed.

In the event that Kammarkollegiet has assessed that childbirth may not occur in the country of posting, reasonable travel costs, to Sweden or to a third country where the insured party has their domicile/citizenship, prior to childbirth, as well as a return journey to the country of posting, are reimbursed.

The insurance policy also reimburses additional costs for travel to Sweden as well as costs for the return trip to the country of stationing in connection with the birth for other family members covered by the insurance policy.

If childbirth occurs in Sweden, the URA contract must be revised to include information regarding the child prior to the return journey to the country of posting.

Kammarkollegiet shall make its assessment regarding where childbirth shall occur no later than the 23rd week of pregnancy. Assessment of the medical conditions related to the pregnancy is made with the assistance of Falck Global Assistance. Kammarkollegiet’s assessment also considers financial factors. For exceptional reasons, Kammarkollegiet may change its decision regarding where childbirth shall occur even after the 23rd week of pregnancy.

2.5.2.3 Follow-ups

Reimbursement is also paid for follow-up on the mother and checks on the child until it reaches the age of one year.

2.5.2.4 Obligation to report

Upon becoming pregnant, the insured party must:

• Inform her employer no later than the 18th week of pregnancy. For special reasons, Kammarkollegiet may grant exceptions to this obligation.

Send a claim to Kammarkollegiet and report the pregnancy and the estimated date of delivery.

The employer must:

• Upon being notified of the pregnancy, continually update Kammarkollegiet regarding the pregnancy to plan maternity care and include mention of the unborn child in the URA contract.

Kammarkollegiet commences planning of the childbirth as soon as the employer provides information regarding the pregnancy and a copy of the supplemented contract has been received.

Provided that the URA contract remains valid beyond the date of delivery, the following must also be done:

• The insured party must inform the employer, not later than 7 days after the birth of the child, that childbirth has occurred, to enable the employer to supplement the URA contract with information regarding the name and birth data of the child.

• The employer must also, not later than 14 days after the birth of the child, supplement the URA contract for insurance cover to apply to the child. If the child is born in Sweden, and if the return journey to the country of posting is made within 14 days of birth, the contract must be updated before the return journey is made.

• The employer sends the updated URA contract to Kammarkollegiet.

If notification is not made, or if information to be provided by the employer to Kammarkollegiet is missing, the childbirth may not be covered by the insurance policy.

2.5.2.5 Maternity care and childbirth provisions

Provided that the requirements of 2.5.2.1, 2.5.2.2 or 2.5.2.4 are met, necessary and reasonable costs related to maternity care and childbirth will be paid in the event of pregnancy.

In EU/EEA countries, or in countries with which Sweden has agreements on medical care, Kammarkollegiet will examine whether carrying out childbirth is unsuitable, for medical or other reasons, in the country of posting. Kammarkollegiet collects medical data from Falck Global Assistance regarding the medical risks relating to childbirth in the country in question. In the event that childbirth in the country in question entails unreasonably high risk, childbirth in that country will not be approved.

In non-EU/EEA countries, or in countries with which Sweden does not have agreements on medical care, Kammarkollegiet examines whether childbirth in that country is reasonable and suitable. Kammarkollegiet collects medical data from Falck Global Assistance regarding the medical risks relating to childbirth in the country in question. In the event that childbirth in the country in question entails unreasonably high risk or unreasonably high costs, childbirth in that country will not be approved.

The insurance policy can reimburse costs for maternity follow-up care, in Sweden, in the country where the insured party has their domicile/citizenship and in the country of posting. Other costs incurred during visits in Sweden or in the country where the insured party has their domicile/citizenship are not reimbursed.

The insured party must check with the airline to find out rules the company has for pregnant passengers. According to the IATA’s rules, there is a maximum time limit for flying, but many companies also require a recently-issued doctor’s certificate for flights after the 28th week of pregnancy (27 + 6). Any costs incurred due to a person not following the airline’s rules are not covered by the insurance policy.

2.5.3 Dental care

Reimbursement is paid for necessary, reasonable and documented costs of emergency dental care abroad. For each event, such costs are reimbursed for a maximum period of 90 days from the date of first contact with the care provider.

Any additional costs (e.g. board and lodging, rebooking of ticket) are not reimbursed. If damage to teeth has arisen as a result of an accident, any necessary and reasonable costs for treatment of the damage in Sweden are also reimbursed, if the cost cannot be reimbursed by any other party. Both treatment and the cost must be approved in advance by Kammarkollegiet.

If damage to teeth is an occupational injury, the Swedish Social Insurance Agency must consider the question of compensation in the first instance. Kammarkollegiet then decides whether the damage can be reimbursed in accordance with this clause.

2.5.4 Limitation

In the event of damage to teeth caused by chewing or biting, reimbursement is only paid for the emergency treatment that is performed abroad.

Costs related to permanent crowns, dental inlays, braces, retainers, bridges or implants are not reimbursed.

2.5.5 Provisions

Sweden currently has agreements on healthcare benefits with the Nordic countries, with other countries in the EU and with some convention countries. In these countries, the public healthcare system must be used in the first instance.

Anyone travelling to a country within the EU or to another convention country should take with them a certificate from the Swedish Social Insurance Agency showing that he/she belongs to it, so that he/she can safely receive medical care in accordance with the EU rules and in accordance with the convention, i.e. at no other cost than a patient fee, if applicable.

Anyone travelling to a non-convention country should take with them a personal insurance certificate. Documentation for such a certificate is provided by Kammarkollegiet and issued by the relevant government agency. The purpose of the certificate is to ensure that the insured party has quick access to emergency medical care by enabling the healthcare institution to immediately establish that there is an insurance policy that will cover the costs. In the event of a serious illness, major personal injury, hospitalisation, pregnancy, or other active assistance with injury abroad, Falck Global Assistance or Kammarkollegiet must be contacted.

Falck Global Assistance

Tel: +46 8 587 71 749

Fax: +46 8 587 71 762

E-mail: fga@se.falck.com

The insurance policy does not cover emergency medical care in the country where the insured party is a citizen or domiciled. If the insured party does not have access to healthcare benefits in that country, the insurance policy applies. If the country of posting is the same as the country where the insured party is a citizen or is domiciled, no costs for maternity care or childbirth are reimbursed if the insured party has access to healthcare benefits.

Anyone who falls ill during a temporary stay in another EU/EEA country, Switzerland or another convention country must submit an application to the Swedish Social Insurance Agency, which will examine whether the care provided can be reimbursed. Receipts and other documentation about the care provided must be attached to the application. Kammarkollegiet has the right to request a power of attorney from the insured party, which includes applying for compensation after the fact for healthcare costs in another EU/EEA country, Switzerland or another convention country and to receive such compensation on behalf of the insured party.

2.6 Home transport cover

The insurance policy reimburses necessary and reasonable additional costs of home transport to Sweden by the insured party due to the fact that he/she has suffered a serious illness or major personal injury abroad. The insurance policy also reimburses a return trip to the country of posting. The insurance policy also reimburses the cost of repatriation to Sweden of a deceased person. The insurance policy does not reimburse costs in Sweden.

If the insured party’s domicile is in a country other than Sweden, the insurance policy can reimburse repatriation there, on the condition that the costs do not exceed the cost of a corresponding repatriation to Sweden.

If Falck Global Assistance’s recommends repatriation and the insured fails to follow this recommendation, Kammarkollegiet may refuse to reimburse the cost of continued care abroad for the illness/injury in question.

In the event that home transport is required, it is necessary to contact Kammarkollegiet or:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 87 71 762

E-mail: fga@se.falck.com

Falck Global Assistance can be reached around the clock.

2.7 Baggage delay

If baggage that has been checked in for an outbound journey is delayed for more than two hours, any necessary, reasonable and substantiated costs will be reimbursed to a maximum of SEK 6,000. An outbound journey for the employee and accompanying family members refers to travel from the country of posting. Outbound journey also refers to the posting journey from Sweden.

2.7.1 Provisions

The insured must present proof of delay from the transport company. As a first step, the transport company’s liability, obligations or offers must be requested and used.

2.8 Liability cover

2.8.1 Scope

Liability cover with the insurance applies to:

• Claims for damages against the insured as a private individual.

• Claims for damages that are directed against the insured in the relationship between the insured as tenant and a landlord.

The insurance covers damage that occurs during the insurance period caused by the insured due to negligence or for which the insured is strictly liable according to pre-contractual right to compensatory damages.

2.8.2 Limitation

The insurance does not cover:

1. Damage caused to some extent intentionally or due to gross negligence by the insured

2. Claims for damages against the insured as an entrepreneur

3. Family disputes such as divorce, custody dispute, inheritance dispute, etc.

4. Undertakings by the insured that exceed the prevailing right to damages.

5. Claims for damages against the insured as the owner, user or driver of a motor vehicle, boat or aircraft

6. Claims that are covered by an employer’s liability as principal

7. Claims that arise as a result of the insured committing an offence for which, under Swedish law, imprisonment is a possible sanction, or

8. Claims for damages made against the insured or accompanying family member that pertain to some form of damage through wear or neglect of a rented or borrowed home.

The insurance does, however, apply to claims for damages from someone other than the vehicle owner or hirer against the insured as the driver of a hired or borrowed vehicle, to the extent that the claim is not covered by applicable motor vehicle or corresponding insurance.

NoteThe insurance only provides reimbursement for damages. As such, it does not reimburse fines or penalties.

2.8.3 Claims regulation

If the insured receives a claim for damages because of an incident that has occurred during the insurance period, Kammarkollegiet undertakes to do the following for the insured:

• investigate whether liability exists,

• negotiate with the other party,

• represent the insured party in legal or arbitration proceedings and pay the legal or arbitration costs which the insured incurs or becomes liable to pay thereof and which cannot be obtained from the counter party or other party, and

• pay the damages the insured party is liable to pay in accordance with applicable liability law, although not exceeding SEK 5,000,000.

2.8.4 Provisions

Kammarkollegiet is not bound by the insured having undertaken in advance to reimburse for any damage, admit liability for damages or approve claims for reimbursement. If any claim is made, the insured must refer to the insurance with Kammarkollegiet. The insured should note the names, addresses and telephone numbers of witnesses and others who can provide information about what has occurred.

2.9 Legal costs

If the insured, as a private individual, claims damages from anyone because of an event that has occurred during the insurance period, the insured’s reasonable legal costs will be covered if these cannot be paid by the other party or another. As appropriate, reimbursement is paid for any legal costs that the insured is ordered by a court to pay to the other party.

2.9.1 Scope

The insurance policy covers legal costs:

• If the insured party, as a private individual, makes a claim for damages against another person due to an event that occurred in the country of posting

• If the insured party, as a tenant, makes a claim for damages against another person relating to the accommodation rented during the rental period in the country of posting

• This only applies to disputes that can be heard before a general court.

2.9.2 Limitation

The insurance does not cover the following disputes:

• Between the insured party and the policyholder (the government agency).

• Where the value is less than one half of one price base amount (small claims).

• Relating to the performance of professional or official duties or labour law disputes

• Related to family or inheritance law, such as divorces, custody disputes, estate distribution or inheritance disputes. Disputes within registered partnership or cohabitation according to the Cohabitees Act (2003:376) are not covered.

• Relating to pledges, guarantee obligations, similar obligations or other agreements entered into by the insured and benefiting a legal person or other private person.

• Relating to the insured as a property owner or owner of an apartment or with tenant-owner rights.

• Relating to the insured as owner, user or driver of a motor vehicle, trailer, boat or aircraft*.

• Relating to transferred claims.

• Relating to personal injury regulation, provided that reimbursement for the costs of representation cannot be obtained via traffic insurance.

*The insurance does apply, however, when the insured is the driver of a hired vehicle and is, according to an agreement with the hire company, the registered driver, in disputes with a party other than the hire company/car owner, to the extent that the claim is not covered by prevailing traffic insurance or other corresponding insurance.

2.9.3 Reimbursement amount and deductible

The maximum reimbursement amount is SEK 200,000 per contract period. The deductible is 20% of the total cost of damages, although not less than SEK 1,500 and not more than SEK 6,000.

2.9.4 Provisions

The insured shall as a first resort make use of legal aid and accept compensation from public funds.

The insured shall in the first case engage a Swedish lawyer as legal representative. In the case of a dispute abroad, the insured shall engage a legal representative approved by Kammarkollegiet.

The insurance does not cover the costs incurred when the insured waives the right to legal aid from public funds, or costs incurred when the insured waives the right to compensation for costs from the counter party.

The insurance does not cover the cost or the value of work taken on oneself, loss of income, travel and room and board, or other costs for the insured.

Compensation may be paid when the parties have reached a settlement or for some other reason do not appear before a court.

3 Insurance claims

Information regarding how to make a claim is available at www.kammarkollegiet.se.

The party claiming reimbursement must also do the following:

1.In the event of assault, attach proof that a police report was made, issued by the police in the place where the claim arose.

2.In the event of a delay in baggage that has been checked in, attach proof issued by the transport company.

3.Submit a specified claim for reimbursement and attach digital receipts or other verifications.

4.If another insurance policy applies for the same claim, inform Kammarkollegiet of this.

5.If Kammarkollegiet so requests, provide information as well as doctor’s certificates and other documents that Kammarkollegiet requires to settle the claim.

3.1 Provisions

If the insured party neglects obligations in accordance with the terms of the URA insurance policy, the reimbursement may be reduced or refused altogether.

If Falck Global Assistance has been contacted regarding emergency medical care or damage, a notice of loss must always be sent to Kammarkollegiet, even if the insured does not submit an insurance claim for reimbursement.

4 General conditions

4.1 Other insurance

With the exception of lump sum payments for disability or death, this insurance policy only reimburses damage or expenses to the extent these cannot be reimbursed by a personal injury agreement (PSA or TFA), the Swedish Social Insurance Code or other insurance policy, ordinance or law.

As stated in clause 1.2, this insurance policy is valid for the employee throughout the entire period of service in the case of group insurance, and during the agreed insurance period in the case of individual insurance. This means that it is also valid during business travel. Damage/injury or expenses during business travel are therefore reimbursed from the State’s business travel insurance policy only when the compensation rules there are more favourable for the insured party. In such cases, no reimbursement is paid under this insurance policy.

4.2 Statutory limitation

The right to reimbursement ceases three years after the date of the event, if no notification has previously been received by Kammarkollegiet. In the case of liability cover, the date of the claim is deemed to be the date on which a claim was made against the insured party. In other cases, the date of the claim is the date of the event that forms the basis of the insurance claim.

4.3 Reclaiming

To the extent that Kammarkollegiet has paid reimbursement in a claim, Kammarkollegiet takes over the insured party’s rights in respect of others who are liable for the damage.

4.4 Application of the Terms and Conditions of Insurance

In the event of a claim, the terms and conditions stated in the

confirmation of insurance that were in force when the damage occurred shall apply.

4.5 4.5Foreign currency

If expenses are incurred in a currency that is not SEK, the reimbursement amount will be according to the exchange rate on the day the expense was incurred.

4.6 4.6 Joint claims register, GSR

Under the insurance policy, Kammarkollegiet has the right to register reported claims in the insurance industry’s joint claims register (GSR).

4.7 Application

4.8 If there are differences between the terms and conditions in Swedish and in English the Swedish applies.

5 Definitions

The insurance policy applies the definitions specified in the Agreement on Overseas Contracts and Guidelines for Employment Conditions for Service Abroad (URA), as well as the definitions set out below.

Emergency medical care

Care for urgent and relatively short-term medical conditions, which arise suddenly during the insurance period, and for which the insured may need to visit a hospital within a matter of days. Emergency medical care includes, for example, necessary treatment of an illness that arises while abroad, requiring treatment as soon as possible, e.g., stomach pains or fever.

Emergency dental care

Dental care to alleviate the insured’s pain or infection, to temporarily fill any visible gaps in teeth and to ensure that the insured has at least one (1) functioning chewing surface. The term “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 caused by chewing or biting, reimbursement is only paid for the emergency treatment that is performed abroad.

Price base amount

Price base amount refers to the base price amount in accordance with the Swedish Social Insurance Code (2010:110).

Dental inlays

The term “dental inlays” refers to dental inlays, onlays and overlays.

Family members staying outside the country of service

“Family members staying outside the country of service” refers to the spouse and any children under the age of 19 who are dependents of the employee or of the employee’s accompanying spouse/cohabitant.

Provisions

A provision is a description of the rules which must be followed by the insured

to retain their right to remuneration from the insurance policy.

Life-threatening medical condition

Condition in which death is imminent.

Accompanying family members

“Accompanying family members” refers to the accompanying spouse/cohabitant and any children under the age of 19 who are dependents of the employee or of the employee’s accompanying spouse/cohabitant. Only children who permanently reside in the country of posting are considered accompanying family members.

Close relative

“Close relative” refers to the employee’s:

• Spouse/cohabitant

• Parents

• Siblings

Relations of any accompanying family member are likewise included. For any accompanying child, grandparents are also considered close relatives.

Necessary and reasonable costs

“Necessary and reasonable costs” refers to what is customary and typical both in terms of the size and the nature of the cost, and taking into account circumstances such as time, place, etc.

Accident

“Accident” refers to a bodily injury caused by an involuntary and sudden event involving external violence to the body. This means that repetitive strain or overload injuries, as well as injury resulting from torsional stress applied to anything other than a knee, do not count as an accident. The same applies to heart attack, cerebral haemorrhage, etc. not arising in connection with a sudden and involuntary event involving external violence to the body.

Planned care

Examination and/or treatment that is not a medical emergency.

Cohabitant

“Cohabitant” refers to the individual approved in advance by the employer to cohabitate at the location of posting.

Assault

“Assault” refers to injury caused by unprovoked and non-consensual bodily harm.