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.