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.

Acute illness

Urgent and relatively short-term medical condition, which may need to be treated immediately.

Emergency medical care

Emergency healthcare has the same definition as the term “immediate healthcare” in section 4 of the Swedish Health and Medical Services Act (1982:763).

Emergency dental care

Emergency dental care has the same definition as the term “immediate dental care” in section 6 of the Swedish Dental Services Act (1985:125). Emergency dental care means that the patient becomes free of pain and infection, has one (1) functioning chewing surface and that any visible gaps are temporarily filled. The term “visible gap” means the complete or partial loss of any of the ten front teeth in the lower or upper jaw.

Base amount

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

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.

Chronic medical condition

A long-term medical condition or illness for which care and/or treatment is planned. Chronic conditions can also deteriorate and become acute, in which case the required treatment becomes acute.

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. The accompanying family members must be permanently resident in the country of service and also be registered in the URA contract.

Close relative

“Close relative” refers to the employee’s:

• Spouse/cohabitant

• Child

• Sibling

• Parents

• Parents-in-law

Necessary and reasonable costs

“Necessary and reasonable costs” refers to what is customary and usual both in terms of the size and 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 twisting of anything other than the knee, do not count as an accident. The same applies to heart attack, cerebral haemorrhage, etc. that did not arise in connection with a sudden and involuntary event involving external violence to the body.

Also considered as accidents are illnesses or injuries caused by biological or chemical substances, if it is probable that someone has intentionally spread the biological or chemical substance for the purpose of causing illness or injury to people. If the illness or injury does not appear until after the insurance period, a medical expert assessment must be used as a basis for taking a position on the question of whether the illness or injury may be assumed to have affected the insured party during the insurance period.

Planned care

Investigation and/or treatment that is not medically urgent.

Cohabitant

“Cohabitant” refers to the same term used in the Swedish Cohabitation Act (2003:376).

“Close relatives” applies correspondingly to the accompanying family members. For accompanying children, grandparents are also included in the term “close relative”.

Assault

Assault refers to injury caused by violence against a person, unprovoked and without consent.