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 a case, no reimbursement is paid from 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 Foreign 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.

4.5 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).