1 Scope, definitions and deductible

1.1 Background

The insurance is, in accordance with Chapter 1, Section 11a of the Higher Education Ordinance (1993:100) purchased from Kammarkollegiet by the Swedish Council for Higher Education (UHR) on behalf of the higher education institutions.

Policy holders are the state-owned Higher Education Institutions in accordance with Appendix 1 to the Higher Education Ordinance (1993:100) through UHR.

1.2 Who is covered by the insurance?

The insurance covers all of the policy holders' students and doctoral students in accordance with the definitions found in Chapter 1, Section 4 of the Higher Education Ordinance (1993:100).

1.3 When and where does the insurance policy apply?

The insurance applies in Sweden. It applies

• during school hours and

• during direct travel between the home and the place where the school hours are spent.

School hours refers to

• all time spent in and around the higher education institution's premises, except when the stay there is due to activities of a leisurely character that are organised by someone other than the higher education institution,

• all other time during which the student participates in activities organised by the higher education institution,

• accidents during distance studies if the accident is in direct connection with the studies to be performed,

1. remaining internship or other part of the education which, after approval by the higher education institution, is scheduled after the end of a semester assuming that the student is still admitted to and conducts studies.

1.4 Definitions

1.5 Accident

Accident refers to a bodily injury caused by an involuntary and sudden event involving external violence to the body.

Injury during scheduled physical exercise or health care practice or other practical tuition with a high level of physical strain is considered to be an accident even if the requirement for external violence is not met.

The effects of smoke, gas, chemical substances, heat, cold or radiation are considered to be equivalent to external violence. The same applies to changes in pressure and other effects on the body during the teaching of diving.

In spite of the requirement for an involuntary event, sudden events involving external violence to the body are also considered to be accidents if they arise in connection with work, education, practice or exercises that the insured participates in voluntarily, if the event is an undesired and unforeseen consequence of this. The same applies to injury or illness that arises in connection with practising injection or sample taking during health care teaching.

Repetitive strain or overload injuries, twisting injuries (except to the knee) and damage to teeth when chewing or biting are not counted as accidents. The same applies to heart attack, cerebral haemorrhage etc., as well as illness caused by bacteria, virus or other infection that did not arise in connection with a sudden and involuntary event involving external violence to the body.

Illness through infection

"Illness through infection" means the same thing as occupational injury through infection in Section 5 of the Ordinance (1977:284) concerning occupational injury insurance and state injury insurance.

Statutory base amount

“Statutory base amount” means the price base amount as defined in the Social Insurance Code.

1.6 Deductible

The insurance has no deductible.