1 Signing, scope and deductible

1.1 What insurance policies can be arranged?

This insurance policy can be arranged by a government agency that wishes to provide insurance cover for posting abroad in accordance with the Agreement on Overseas Contracts and Guidelines for Employment Conditions for Service Abroad (URA). The definitions in the agreement are applied to this insurance policy.

The insurance policy can be arranged either as a group insurance policy or as an individual insurance policy for named persons. A prerequisite for being able to arrange an insurance policy is that the persons are registered in the URA contract.

Group insurance

If the government agency chooses to arrange a group insurance policy, the authority must, before each insurance period (normally 12 months), provide information to Kammarkollegiet about the expected (estimated) number of insured personal days during the period for both employees posted abroad and accompanying family members. The insurance policy will then cover all the government agency’s employees posted abroad, all accompanying family members of such employees and all non-accompanying family members who visit the employee in the country of service.

Individual insurance

When arranging an individual insurance policy, the government agency must state the following in its order:

• names and personal ID numbers of those to be covered (children aged 19 or over are not covered)

• the insurance period

• the location of the foreign posting

• contact person, invoicing address and invoice reference

For each such order, the government agency receives an insurance confirmation and an invoice for the premium, which is calculated based on the number of insured personal days. If it is not clear when the order is placed whether, and if so when, family members who are outside the country of service are to make trips to visit, insurance policies for these persons must be arranged separately.

1.2 To whom does the insurance policy apply to and when is it valid?

The insurance policy is valid all over the world, including Sweden (except 2.5 Healthcare, dental care and repatriation cover, which only applies abroad). It is also valid in war zones and in countries where the Ministry of Foreign Affairs advises against travel.

1.2.1 Group insurance

In the case of group insurance, the policy is valid for the employee during the entire period of service. In addition to the period of service, the insurance policy is also valid for the direct outbound or return journey between the place of residence in Sweden and the country of service, provided that this journey is made no earlier than two weeks before the period of service commences or two weeks after the period of service ends.

For an accompanying family member, it is valid during the same period, with the following exceptions:

• The insurance policy is not valid during the time when the family member has not yet made his/her outbound journey and not during the time after the family member’s final journey home.

• It is not valid during travel to and from and any stay in a third country that is not directly adjacent to the country of service, when the employee does not accompany the family member on the journey or stay in that country. If special reasons apply, the group insurance policy may be valid in third countries for an accompanying family member if the employee does not accompany them on the journey. Special reasons may be, for example, evacuation to a third country for security reasons.

The insurance policy is valid for family members staying outside the country of service who visit the employee in the country of service, provided that the employer has paid the costs of travel. In addition to the period of the visit in the country of service, the insurance policy is also valid during the direct outbound or return journey between the place of residence in Sweden and the country of service.

Before the period of service commences

The insurance policy covers the employee and accompanying family member who, for example in connection with moving into a place of residence, stays in the country of service for a maximum of two weeks before the period of service commences.

After the period of service ends

The insurance policy covers the employee and accompanying family member who, for example in connection with moving out of a place of residence, stays in the country of service for a maximum of two weeks after the period of service ends.

Schooling

The insurance policy covers accompanying children who are staying in a third country due to schooling, on the condition that the employer is paying the cost of their schooling.

The insurance policy covers the employee, accompanying children and a family member who, due to schooling, stays in the country of service before the employee has taken up his/her position. The insurance policy covers accompanying children over the age of 19 who attend upper secondary school or equivalent for which the employer pays an education grant (or would have paid if the school had charged fees). The insurance policy is, however, only valid until the child reaches the age of 21.

1.2.2 Individual insurance

In the case of individual insurance, the insurance cover is valid for the period specified in the insurance confirmation from Kammarkollegiet.

1.2.3 Limitation

If a government agency has arranged a group insurance policy, individual policies cannot be arranged for the persons covered by the group insurance policy.

1.3 Deductible

The insurance policy applies without any deductible, with the exception of clause 2.8 Legal costs, where the deductible is calculated according to the method specified in that clause.