1 Scope and deductible

1.1 What types of insurance are available?

1.1.1 Group insurance

When a university or university college has taken out this insurance as group insurance, it covers all exchange students admitted to or pursuing higher education, third-cycle education or an internship in Sweden. An exchange student is defined as a student who is studying or doing an internship in Sweden under a written exchange or acceptance agreement between the Swedish higher education institution and a foreign higher education institution.

In this context, “accepted” is defined as registered in the LADOK student administration system or equivalent.

The studies or internship in Sweden must be credit bearing (i.e. credits are awarded upon completion) in the programme that the insured has been admitted to and is pursuing at their home university.

It is possible to take out group insurance for categories of students other than those specified above by agreement with Kammarkollegiet.

1.1.2 Individual insurance

A university, university college or other authority can take out individual insurance directly on our website for an individual student or doctoral student who will be studying or performing an internship in Sweden in cases where this does not take place as described in the conditions set out in clause 1.1.1.

1.2 When and where does the insurance apply?

1.2.1 Group insurance

Group insurance provides cover during direct travel between Sweden and the country of the insured's home university when the studies begin or end.

The insurance applies:

• 24 hours a day in Sweden during the period of the insured's studies or internship

• two weeks before the start of the studies/internship and two weeks after the end of the studies/internship if the insured is in Sweden

• during school breaks, provided that the insured continues their studies at the university college/university after the break.

1.2.2 1.2.2 Individual insurance

The insurance provides cover 24 hours a day in Sweden during the contracted insurance period.

The contracted insurance period must also include the period of direct travel to and from Sweden in connection with the start and end of the studies.

1.3 Deductible

The insurance has no deductible, with the exception of 2.4 Property cover, which has a deductible of SEK 1,500, and 2.6 Legal costs cover, which has a deductible calculated as specified in that clause.