2 Insurance cover

2.1 Disability and death benefits

In the event of an accident that leads to medical disability, a lump sum is paid pro rata to the degree of medical disability. In the case of medical disability of less than 50 per cent, the lump sum is calculated on 10 base amounts. For medical disability of 50 per cent or more, the lump sum is calculated on 20 base amounts. If the accidental injury leads to death within three years, 1 base amount is paid to the estate.

No compensation is given for scars.

In calculation, the base amount in the year of death is used. Where appropriate, what has been paid as a lump sum for disability is deducted from the lump sum in the event of death.

2.1.1 Rules in the event of assault

Assault must be immediately reported to the police. The insured shall produce evidence that a police report has been made.

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. In the event of negligence, compensation is normally halved, unless the circumstances of the incident indicate that the negligence was very minor or had no significance for the insurance claim. In the event of gross negligence, the right to compensation may be lost. The same applies if the insured was under the influence of alcohol, sleeping pills, narcotics or other intoxicant or committed a deliberate criminal act that could lead to at least a fine under Swedish law.

2.2 Medical and dental care cover

The insurance reimburses necessary, reasonable and documented costs for emergency medical or dental care when the insured has suffered illness or accident during the insurance period. For each event, compensation is paid for such costs during a period of up to 90 days from 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, compensation is limited to maximum of SEK 3,000 per calendar year.

In case of pregnancy, costs are compensated for emergency care 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, compensation can be paid for medical care for both mother and child for more than 90 days. After the 28th week of pregnancy, no costs of pregnancy or childbirth are reimbursed.

Medical care and dental care must always be documented by receipts or other documents to verify the costs. The insurance only covers medicines that are prescribed by a doctor.

2.2.1 Exceptions

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

The insurance does not cover 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 health examinations, eye examinations, glasses, abortion, contraceptives, prescriptions for planned medication, vaccination, planned checks during pregnancy and other planned medical/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.

2.3 Home transport cover

The insurance reimburses necessary and reasonable additional costs for transport to the home country of the insured due to 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 a home transport is necessary shall always be made by the doctor who is giving treatment together with Falck Global Assistance or Kammarkollegiet. Costs of repatriation organized by anyone other than Falck Global Assistance or Kammarkollegiet will not be covered.

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

The insured shall not contact Falck Global Assistance directly, but shall first contact Kammarkollegiet.

2.4 Liability cover

2.4.1 Scope

Liability cover with the insurance applies to:

• Claims for damages against the insured as a private individual

• Claims for damages against the insured party as a student or trainee on internship

• Claims for damages that are directed against the insured in the relationship between the insured as tenant and a landlord

The insurance covers damage that occurs during the insurance period caused by the insured due to negligence or for which the insured is strictly liable according to pre-contractual right to compensatory damages.

2.4.2 Exceptions

The insurance does not cover:

• Damage caused to some extent intentionally or due to gross negligence by the insured

• Claims for damages against the insured as an entrepreneur

• Family disputes such as divorce, custody dispute, inheritance dispute etc.

• Undertakings by the insured that exceed the prevailing right to damages

• 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 arising 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 rented or borrowed vehicle, to the extent that the claim is not covered by applicable motor vehicle or corresponding insurance.

NoteThe insurance only provides compensation for damages. As such, it does not cover fines or penalties.

2.4.3 Claims regulation

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 be 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 3,000,000.

2.4.4 Instructions

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.

2.5 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 covered if these cannot be paid by the other party or another. As appropriate, compensation is paid for any legal costs that the insured is ordered by a court to pay to the other party.

2.5.1 Scope

The insurance covers legal costs:

• If the insured as a private person makes a claim for damages against another person due to an event that occurred in Sweden during the insurance period

• If the insured, in their capacity as a student or trainee, makes a claim for damages against another person for an event that occurred in Sweden during the insurance period

• If the insured as a tenant makes a claim for damages against another person relating to the accommodation rented during the rental period in Sweden.

2.5.2 Exceptions

The insurance does not cover:

• Disputes between the insured and the university whose group insurance covers the insured

• Disputes where the value is less than half the price base amount (small claims).

• Disputes directly or indirectly related to professional practice or performance of a job or labour disputes

• Disputes related to family or inheritance law, such as divorces, custody disputes, distribution of estate or inheritance disputes. Disputes within registered partnership or cohabitation according to the Cohabitees Act (2003:376) are not covered.

• Disputes relating to pledges, guarantee obligations, similar obligations or other agreements entered into by the insured and benefiting a legal person or other private individual.

• Disputes relating to the insured as a property owner or owner of an apartment or tenant-owner rights

• Disputes relating to the insured as owner, user or driver of a motor vehicle, trailer, boat or aircraft*

• Disputes relating to assigned claims

• Disputes relating to personal injury regulation, provided that compensation for the costs of representation cannot be obtained via traffic insurance

* The insurance does apply, however, when the insured is the driver of a rented vehicle and is, according to an agreement with the rental company, the registered driver, in disputes with another party than the rental company/car owner, to the extent that the claim is not covered by prevailing traffic insurance or other equivalent insurance.

2.5.3 Compensation amount and deductible

The highest amount of compensation is SEK 200,000. The deductible is 20% of the total cost of damage, however subject to a minimum of SEK 1,500 and maximum of SEK 6,000.

2.5.4 Instructions

The insured shall as a first resource make use of legal aid and accept compensation from public funds.

The insurance does not cover the costs incurred when the insured waives the right to legal aid from public funds, or costs incurred when the insured waives the right to compensation for costs from the counter party.

The insurance does not cover costs or value of own work, loss of income, travel and board and lodging or other costs for the insured.

Compensation may be paid when the parties have reached a settlement or for other reasons do not take the case to court.