Terms and Conditions Student IN 2025

This insurance can be applied both as a group insurance and as an individual insurance. These Terms and Conditions entered into force on 1 Januari 2025.

Document information

Type of document: Terms and Conditions

Valid from: 01/01/2025

Sender: Insurance Department

Pages in print: 22

 

5 Definitions

5.1 Emergency medical care

Care for a medical condition that develops suddenly during the insurance period in Sweden and for which the insured needs to seek medical attention within a few days. Examples of emergency medical care include care that is needed for an illness that occurs during a stay in Sweden or for which treatment is needed as quickly as possible, such as in case of abdominal pain or fever.

5.2 Emergency dental care

Dental care that results in the insured being free of pain and infection, in any visible tooth gaps being temporarily filled, and in there being one (1) functioning chewing surface. Visible tooth gap is defined as the complete or partial loss of any of the ten front teeth in the lower or upper jaw.

5.3 Price base amount

Price base amount has the definition set out in Chapter 2, Section 7 of the Social Insurance Code.

5.4 The insured

The insured is the person covered by the insurance.

5.5 Direct travel

Direct travel is a journey that is as direct as possible without unnecessary stops. If the insured interrupts their travel, the insurance ceases to apply. The insurance applies in the event of a layover/change of trains in a third country, if such a stop is necessary. If the insured chooses a later departure time at such a stop, in order to be on holiday in a third country, the insurance ceases to apply. Kammarkollegiet is not permitted to provide holiday insurance.

5.6 Domicile

The insured's domicile is defined as the place where the insured permanently resides.

5.7 The authority

The authority refers to the authority that took out the insurance.

5.8 Accident

Accident means a bodily injury caused by an involuntary and sudden event involving external force to the body. Overuse or repetitive strain injuries are not regarded as accidents. The same applies to heart attacks, cerebral haemorrhages and the like, as well as illness caused by bacteria, viruses or other infectious agents that did not occur or arise in connection with a sudden and involuntary event involving external force to the body. However, twisting injuries to the knee are categorised as an accident.

5.9 Personal property

Personal property refers to property for private use that the insured takes along or purchases on the journey for private use. The property must belong to the insured, i.e. not be rented or borrowed.

5.10 Cohabiting partner

Cohabiting partner has the same meaning as set out in the Cohabitees Act (2003:376).

5.11 Start of studies

The term start of studies refers to the start of the semester, the start of the course or the time when teaching at the HEI in Sweden begins. Introductory courses, language courses and similar preparatory activities organised at the Swedish HEI are included in the period of study.

5.12 End of studies

The term end of studies refers to the end of the semester or course when the teaching or internship period ends. An examination or test period directly connected to a study or internship period is included in the period of study. In the event of an examination resit, the insurance is valid in Sweden up until the first resit session.

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