1 Scope, definitions and deductibles

1.1 When and where does the insurance apply?

The following terms and conditions apply unless separate terms and conditions have been agreed between the State authority and Kammarkollegiet. Such terms and conditions are then stated as deviations in the annual confirmation of insurance cover issued by Kammarkollegiet to the authority.

The insurance policy cover applies to all domestic and international business travel on behalf of the State authority. It applies during the entire period of absence from the place of employment or home or other place where the business journey begins or ends. In the event of an international business journey, it also applies during interruptions of travel due to vacations or leaves of absence at a place other than the insured person’s regular place of activity. For such a break to be deemed an interruption of business travel and not an independent activity, the break may not exceed a period longer than the period of the business journey otherwise. The break shall not be longer than 14 days. For holidays lasting longer than 14 days, a private insurance policy must be taken out for the entire holiday period.

It doesn´t matter if the holiday is before, during or after the business journey.

The insurance cover also applies in areas the Ministry for Foreign Affairs advises against travel to.

1.2 Who does the insurance cover?

All employees of a state authority who are travelling on government business.

Consultants who are carrying out an assignment on behalf of an authority and who are not employed by a consultancy.

All doctoral students (postgraduate students) travelling on government business.

Journeys undertaken by members of the commissions and boards of State authorities to and from gatherings and meetings of such commissions and boards are covered where such are undertaken by persons whose place of work is not in the building in which the gathering or meeting is held.

Locally employed personnel travelling on government business.

A contractor who are on a journey to an Authority´s behalf, as long as they are not in one of the following categories of persons.

The following categories of persons are not covered by the business travel insurance:

• Students

• Accompanying relatives

• Participants in the Armed Forces volunteerism

• Consultants who are employed by a consulting firm.

1.3 What is travel on government business?

Travel on government business is travel undertaken on behalf of an authority by an employee or contractor of the authority.

A business journey is considered official business on behalf of the authority if it:

• is directly linked to the insured´s duties at the authority and

• is approved by the authority.

If the activities that are the basis for the journey do not constitute official business on behalf of the authority, the travel cannot be considered a business journey.

1.4 Definitions

1.4.1 The Authority

The authority is the authority that has taken out the insurance.

1.4.2 The insured/insured person

The insured/insured person is the person covered by the insurance.

1.4.3 Cohabitant

The term cohabitant carries the same definition as in the Cohabitees Act (2003:376)

1.4.4 Base Amount

The base amount is the price base amount as defined in Chapter 2, Section 7 of the Social Insurance Code.

1.4.5 Contractors

A contractor is a person who carries out an assignment on behalf of an authority and who is not employed by the authority.

1.4.6 Accident

An "accident" is a bodily injury caused by a sudden and unintentional occurrence involving external force against the body. Damage caused by overloading or wear is not considered an accident. The same applies to heart attacks, strokes and similar, as well as diseases caused by bacteria, viruses or other contagion, unless these have arisen in connection with a sudden and unintentional occurrence involving external force against the body.

The term also includes disease or injury caused by biological or chemical substance, if it is likely that someone wilfully spread the biological or chemical substance with the intention of infecting or injuring persons. If the disease or injury is not discovered until after the term of insurance has expired, a medical expert opinion shall form the basis of the standpoint on the matter of whether the disease or injury shall be assumed to have befallen the insured during the term of insurance.

Injuries caused by chewing or biting are not considered accidental injuries.

1.4.7 Family members

• The term family members refer to:

• Spouse

• Registered partner

• Cohabitant registered at the same address as the insured person

• Child(ren)

• Grandchild(ren)

• Siblings

• Parents

• Grandparents

• Parents-in-law*

• Daughter and son-in-law**

* Stepmother and stepfather***

* Parents of the spouse, registered partner or cohabitant as referred to above.

** Children's spouse or registered partner or cohabitant as referred to above.

***Parent's spouse, registered partner or cohabitant as referred to above.

The term close family (section 2.2) covers spouse, registered partner, cohabitant and child. Where the insured person does not have these relatives, parents are considered close family.

1.5 Deductibles

No deductibles shall apply to this insurance.