2 Insurance cover

2.1 Personal injury cover

In the event of personal injury due to accident or illness through infection suffered by the insured during the insurance period, compensation for personal injury is paid according to chapter 5 sections 1 and 2 of the Damages Act (1972:207) as if liability to pay damages had existed. In questions of compensation for loss of earnings, the rules on calculation of the basis for life annuity in chapter 41 sections 8-18 of the Social Insurance Regulations (2010:110) are applied.

Compensation for personal injury according to chapter 5 sections 1 and 2 of the Damages Act includes, among other things, health care costs, loss of income, pain and suffering and disfigurement or other permanent injury. Compensation according to point 2 of the above mentioned act also covers funeral costs, loss of maintenance and personal injury for the next of kin of the deceased.

Personal injury in connection with assault is compensated to the extent that the insured does not, within a reasonable time in consideration of the nature of the injury and the need for compensation, receive damages from the perpetrator, the perpetrator’s insurance company or another, although no later than three years after Kammarkollegiet has been notified. If the insured has been negligent, compensation may be adjusted.

If the personal injury due to accident or illness through infection leads to death within three years of the event, one base amount is paid to the estate, in addition to any amount that has already been paid. If the deceased has children who have not reached 18 years of age at the time of death - in addition to compensation for loss of maintenance according to the first paragraph - compensation is paid of three base amounts to each such child and three base amounts to the other parent of such children as beneficiary of the accident insurance, provided that the other parent is, or in connection with the death becomes, a legal guardian.

Necessary and reasonable costs are reimbursed in the event of damage to teeth caused by an accident. For implant treatment and dental veneers, compensation is only paid on condition that the treatment is of such a kind as is covered by the general dental insurance. Before treatment is given the insured or the dentist giving treatment must contact Kammarkollegiet for an assessment of whether the treatment is reasonable. The insurance only provides compensation for permanent treatment. Damage caused by chewing or biting is not considered to be an accident and is not compensated under this point.

2.1.1 Instructions

In the event of serious illness, admission to hospital or a need for repatriation or other active assistance, contact must be made with:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 05 93 913

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

Assault must be immediately reported to the local police. The insured shall produce evidence that a police report has been made. If Kammarkollegiet so requires, the insured must bring a legal action for damages against the perpetrator.. Kammarkollegiet will then cover all the insured’s costs that are not otherwise covered.

The insured shall observe normal caution, i.e. if possible avoid dangerous areas and situations and otherwise do what may reasonably be expected in order to avoid being the victim of assault or other injury. In the event of negligence, compensation is normally halved, unless the circumstances are such that the negligence was very minor or had little significance for the insurance claim. In the event of gross negligence, the right to compensation may be lost completely. The same applies if the insured was under the influence of alcohol, sleeping pills, narcotics or other intoxicant or committed a deliberate act that could lead to at least a fine under Swedish law.

2.1.2 Exceptions

Personal injury cover under this insurance only applies to the extent that corresponding compensation cannot be given through a collective agreement on compensation for occupational injuries or through another corresponding insurance, through motor vehicle insurance or according to the rules of liability for the operator of rail or air travel or other facility for which the rules for injury are specifically regulated by law.

In cases where there is a right to life annuity according to the Social insurance Regulations (2010:110), the industrial injury life annuity is coordinated with compensation under this insurance. The same applies to compensation according to the ordinance (1988:245) on group life insurance for doctoral students.

This insurance compensates expenses only to the extent that compensation cannot be obtained according to the Social insurance Regulations (2010:110), other legislation or other insurance.

The insurance does not provide compensation for injuries that have not been documented in the form of medical records, certification etc. within the health care service.

The insurance does not provide compensation for victimisation or abusive behaviour.

2.2 Medical care and dental care cover

The insurance compensates necessary, reasonable and documented costs for emergency medical or dental care when the insured has suffered illness or accident abroad during the insurance period. For each event, such costs are reimbursed during a period of up to 90 days form the first contact with the care provider. There is no upper limit to the amount of insurance cover for emergency medical care. For emergency dental care, a maximum of SEK 3,000 per year is compensated.

With pregnancy, costs are reimbursed for emergency medical care abroad for the insured in connection with delivery, miscarriage or other serious complications before the end of the 28th week of pregnancy (27+6). In such cases, costs can be paid for medical care for both mother and child for more than 90 days.

The insurance covers the costs of abortion in the country of the educational course. If an abortion cannot be performed in the country of the educational course, contact must be made with Falck Global Assistance or Kammarkollegiet.

The insured must always be able to produce original receipts as evidence of medical and dental care costs. The insurance only covers medicines that are prescribed by a doctor.

The insurance reimburse documented telephone costs to Kammarkollegiet and Falck Global Assistance.

2.2.1 Exceptions

The insurance does not cover visits to a doctor with symptoms or illnesses that the insured had before travelling abroad. If the insured’s condition rapidly worsens during his or her stay abroad, the insurance covers medical care until the condition is stabilised, even though treatment of the illness continues.

The insurance does not reimburse additional costs in connection with medical or dental care. Examples of such additional costs include taxi fares, cost of rebooking tickets etc. The insurance does not cover medical examinations, vaccination, planned check-ups during pregnancy or other planned medical or dental care. Testing for sexually transmitted diseases, without symptoms or indication of actual infection, is not covered.

Treatment by a chiropractor, naprapath or physiotherapist is only covered if there is a referral from a qualified doctor.

Invoices from hospitals etc. shall always be issued to the insured, never to Kammarkollegiet.

2.2.2 Instructions

At present Sweden has agreements on sickness benefits with other countries in the EU/EEA and Switzerland, as well as with some convention countries.

If the insured intends to travel to such a country, he or she must bring a certificate/card (EU card) from the social insurance agency Försäkringskassan which shows that the insured belongs to this, so that he or she can be assured health care according to the agreement.

The insured must obtain Försäkringskassan’s decision before Kammarkollegiet can consider the question of compensation for acute health or dental care. Försäkringskassan’s decision must be attached to the notification of claim to Kammarkollegiet.

In the event of serious illness, admission to hospital or a need for other active assistance (for example where the care is estimated to involve great expense), contact must be made with:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 05 93 913

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

2.3 Home transport cover

The insurance reimburse necessary and reasonable additional costs for travel or transport of the insured to Sweden because the insured has suffered serious illness or extensive injury during the insurance period. The same applies to repatriation of the deceased in the event of the insured’s death. An assessment of whether repatriation is necessary shall always be made by the local doctor together with a doctor from Falck Global Assistance.

Costs of repatriation organised by anyone other than Falck Global Assistance will not be covered.

If the insured’s country of residence is not Sweden, the insurance can reimburse repatriation to that country, if the cost is the same as repatriation to Sweden.

If Falck Global Assistance recommends repatriation and the insured does not agree to this, Kammarkollegiet may decline to reimburse continuing care abroad for the illness/injury in question.

If there is a need for repatriation, contact must always be made with Kammarkollegiet or with:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 05 93 913

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

2.4 Visits by relatives

In the event of the insured’s life threatening injury, life threatening disease or death, reasonable costs will be reimbursed for travel for a maximum of two relatives on one occasion from their home city, as well as accommodation in connection with the visit. The same applies in connection with a funeral abroad. The travel must always be approved in advance by Kammarkollegiet or Falck Global Assistance.

2.5 Disruption cover

In the event of an interruption to the stay abroad because of a relative’s life threatening injury or life threatening illness, the death of a relative, extensive damage to the insured’s private property in Sweden, an extensive outbreak of serious infection or war, war-like disturbances or natural disaster in the country being visited,

reimbursement is given for the insured’s costs for rebooking an existing ticket for travel home or other additional costs for travel to Sweden as well as - where applicable – reasonable costs for new outward travel within the originally planned period for the stay abroad.

2.5.1 Instruction

The journey home must begin at least 48 hours before the originally booked journey home. For reimbursement to be given for new outward travel to the country of the educational course, at least 14 days of the study period must remain.

If no new outward travel is to be made within the originally planned period of the stay abroad, the travel documents issued for homeward travel shall be used. Rebooking shall occur if needed.

The insurance covers a maximum of two homeward journeys per relative. A relative’s life threatening injury or life threatening illness must be documented with a doctor’s certificate.

Travel home to Sweden refers to travel to the home city (where the insured is registered). Other costs for travel to the relative/funeral/hospital in another city are not covered.

The insurance is also valid for travel home for the funeral of a relative who died before outward travel to the country of the educational course.

If assistance is needed in booking tickets, contact:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 05 93 913

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

2.6 Connection cover

Reimbursement can be given if the insured is delayed and thereby misses his/ her transport to the country where the studies/internship are to begin or the ordinary homeward travel from the country where the studies/practice have finished. The travel must have been booked in advance.

Reimbursement can be given for additional costs that arise in order to be able to connect with the travel. Examples of additional costs include the cost of a new ticket or an extra night in a hotel that is necessary in order to be able to continue the journey.

The maximum reimbursement for additional costs is SEK 15,000.

2.6.1 Instruction

The delay must be unforeseen and unplanned. No reimbursement is given if the insured has caused the delay him or herself by oversleeping, starting out for the airport, station etc. too late or not taken traffic or weather conditions into account. Neither is reimbursement given if the insured cannot travel because of illness or if the transport company becomes bankrupt.

The insurance does not compensate costs that can be compensated by the transport company or travel organiser.

The insured must, if possible, obtain documentation of the delay or missed transport.

If assistance is needed in booking tickets or a hotel, contact:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 05 93 913

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

2.7 Property cover

Damage to or loss of the insured’s personal property, brought with them or acquired during travel, is reimbursed up to a maximum of SEK 25,000 per claim. The property cover is valid throughout the insurance period. The deductible is SEK 1,500 per claim.

Limitations within the stated sum insured:

• property prone to theft, see below, maximum SEK 15,000,

• valuable documents (tickets, passport etc.) maximum SEK 10 000 and

• cash maximum SEK 3,000.

Property prone to theft:

• objects partly or wholly made of precious metal, genuine pearls or gemstones,

• antiques and artworks, pocket and wrist watches and

• cameras, projectors, binoculars, musical instruments, mobile telephones and other electronic communication equipment, GPS equipment, computers, hand-held computers, loudspeaker systems, TV sets, video games and parts and accessories for the items listed here.

The insurance does not cover:

• Damage to or loss of cash, travel documents, objects partly or wholly made of precious metal, genuine pearls or gemstones, antiques, artworks, cameras, mobile telephones, tablets, computers or other electronic equipment and their accessories, alcoholic drinks or other fragile property or property prone to theft if such property is handed over for transport, registration or storage in another way.

• Functional faults that have not arisen in connection with a sudden and unforeseen event that has already occurred. Damage or functional faults caused by climate or environmental effects (e.g. damp, effects of sand, rust or dirt).

• Damage caused by wear and tear, surface damage such as dents and scratches that do not significantly influence the usefulness of the object.

• Damage or loss that can be compensated through other insurance, a transportation company, hotel etc.

• Damage to sports equipment during use.

• Damage to or loss of motor vehicle, boat, aircraft, caravan or trailer, home removals or animals.

• Purchases, withdrawals or use with the aid of stolen, copied or lost debit cards, credit cards, SIM cards etc.

• Apps or media files for computers, mobile telephones, tablets etc.

• Consequential losses due to loss of property, e.g. cost of telephone calls, travel, changing locks, taxis, food or accommodation.

• Property that belongs to a Swedish educational institution (Swedish authority), a foreign educational institution, a company or another juridical person.

• Property that has been left behind, lost or mislaid, even if this is later stolen.

2.7.1 Note

Fragile items or property that is prone to theft must be carried as hand baggage. The insured should be aware that theft may occur from locked bags that have been checked in. Kammarkollegiet assumes the ownership rights to lost property that is compensated by Kammarkollegiet. If property that has been compensated should be found or recovered, the insured must inform Kammarkollegiet of this.

2.7.2 Instruction

The insured shall attach evidence of reporting/notification as follows: Theft must be immediately reported to the local police. Theft in a hotel must also be reported to the hotel. Damage to or loss of transported baggage must be reported to the transportation company. As a first step, the hotel’s or transportation company’s liability, obligations or offers must be requested and used.

2.7.3 Duty of care

The insured shall observe normal care, i.e. handle and store the property in a satisfactory way and otherwise do what may reasonably be expected to avoid theft or other damage. All windows and doors must be closed and locked if nobody is in. For example, leaving money in a hotel room, leaving a bag or technical equipment unattended or leaving property that is prone to theft in a car would normally be considered negligent. If the insured is in a hotel, money, valuable documents and travel documents must be locked in a safe, deposit box etc.

In the event of negligence, compensation is normally halved, unless the circumstances indicate that the negligence was very minor or had little significance for the insurance claim. The same applies if the insured has not informed the police or attempted to limit the damage. If the negligence is especially serious, for example if a bag has been left unattended in a restaurant, hotel lobby or hotel breakfast room, the right to compensation may be lost completely.

2.7.4 Compensation and valuation rules

In the case of damage to property, documented repair costs are compensated up to the value of the property before it was damaged.

In the case of loss, the value of the property before it was lost is compensated. Valuation does not take into account sentimental value, i.e. the student’s own feelings about the property.

Original receipts for the lost or damaged property must always be submitted to Kammarkollegiet.

Compensation is given as follows, with a deductible of

SEK 1 500:

A. New property – when less than a year has elapsed since the date of purchase. 100% compensation for equivalent new property is paid.

B. Older property – when more than a year has elapsed since the date of purchase. Compensation, with a deduction of a percentage of the present price of equivalent property as stated in the table below, is paid.

No compensation is given for property more than 6 years old. However for clocks and watches that are more than 6 year’s old, 20% of the value is paid.

C. For consumables such as cosmetics, perfume, medicines, hygiene articles and underwear, compensation of 50% of the price new is paid.

D. For property that does not appear in the table below, the value of the item before damage or loss is the cost of replacement less a deduction for age and use. The deduction for age and use is ten per cent per year starting one year after the date of purchase, although not more than 70%.

E. For precious metal, genuine pearls and gemstones, 100% of the value of equivalent property is paid. The highest amount of compensation is however SEK 10,000.

Compensation as a percentage of current price/value:

Technical equipment purchased on blocket.se, tradera.se or similar websites is compensated up to a maximum of SEK 2,000 . Receipts or bank statements as proof of purchase must always be attached to the notification of claim.

2.8 Baggage delay

In the event of more than 8 hours delay to checked baggage on the outward journey from Sweden, reimbursement is given for hygiene articles and clothing that is purchased in the country of the educational course up to a maximum of SEK 2,000. These costs must be documented with original receipts.

2.8.1 Instruction

The insured must obtain evidence of the delay from the transport company. As a first step, the transport company’s liability, obligations or offers must be requested and used.

2.9 Cash assistance

If, due to theft or other compensatable event, the insured is in immediate need of money, up to SEK 10,000 in an appropriate currency may be transferred from:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 05 93 913

E-mail: fga@se.falck.com

2.9.1 Note

A payment from Falck Global Assistance is not to be considered as reimbursement for a claim but rather as a loan from Kammarkollegiet to the insured. The amount loaned is deducted from the reimbursement during claims adjustment. Thus where applicable the insured is liable to repay the difference between the loan and the ´reimbursement to Kammarkollegiet.

2.10 Crisis and disaster cover

If the insured is in a country that suffers a natural disaster or war-like disturbances and because of these circumstances is forced to move to a safer location in the country of the educational course or change his or her form of accommodation, compensation can be given for necessary and reasonable additional costs for subsistence, accommodation and domestic travel.

The maximum amount of compensation is SEK 5,000. The costs must be documented with original receipts.

If the insured suffers an acute mental crisis in connection with assault, threats, serious illness, accident or natural disaster in the country of the educational course, the insurance can compensate five treatment sessions with a psychologist, welfare officer or similar. If further treatment is needed, contact Kammarkollegiet or Falck Global

Assistance

In the case of assault or accident, reimbursement can also be given for crisis therapy in Sweden. For further reimbursement in the event of assault, see 2.1.

2.11 Liability cover

If the insured receives a claim for damages because of an incident that has occurred during the insurance period, Kammarkollegiet undertakes to do the following for the insured:

• investigate whether liability exists,

• negotiate with the other party,

• represent the insured in legal or arbitration proceedings and thereby pay the legal or arbitration costs that the insured incurs or is liable to pay and that cannot by obtained from the counter party or other and

• pay the damages the insured is liable to pay in accordance with applicable liability law, although only up to a maximum of SEK 10,000,000.

The insurance does not cover:

• claims for damages against the insured as the owner, user or driver of a motor vehicle, boat or aircraft,

• claims that are covered by an employer’s principal liability and

• claims that arise as a result of the insured committing an offence for which, under Swedish law, imprisonment is a possible sanction.

The insurance does however apply to claims for damages from someone other than the vehicle owner or hirer against the insured as the driver of a hired or borrowed vehicle, to the extent that the claim is not covered by applicable motor vehicle or corresponding insurance.

2.11.1 Note

The insurance cover is not limited to claims against the insured as a private individual. This means that the insurance also covers claims against the insured as student or trainee.

The insurance also covers claims for damages that are directed against the insured in the relationship between the insured as tenant and a landlord.

Instruction

Kammarkollegiet is not bound by the insured having undertaken in advance to compensate for any damage, admit liability for damages or approve claims for compensation. If any claim is made, the insured must refer to the insurance with Kammarkollegiet. The insured should note the names, addresses and telephone numbers of witnesses and others who can provide information about what has occurred.

2.12 Legal expenses cover

If the insured, as a private individual, claims damages from anyone because of an event that has occurred during the insurance period, the insured’s reasonable legal costs will be compensated if these cannot be payed by the other party or another. As appropriate, any legal costs that the insured is ordered by a court to pay to the other party are compensated.

The insured shall as a first course engage a Swedish lawyer as legal representative. In the case of a foreign dispute, the insured shall engage a legal representative as determined by Kammarkollegiet.

The claim must exceed SEK 15,000.

The highest amount of reimbursement is SEK 200,000.