2 Insurance cover

2.1 Personal injury cover

In the event of personal injury due to an accident or illness through infection suffered by the insured during the insurance period, compensation for personal injury is paid pursuant to Chapter 5, Sections 1, 2 and 5 of the Tort Liability Act (1972:207) as if liability for damages had existed. With regard to compensation for loss of income, the rules for calculating the annuity basis in Chapter 41, Sections 8–18 of the Social Insurance Code (2010:110) apply.

Compensation for personal injury under Chapter 5, Sections 1 and 2 of the Tort Liability Act includes medical expenses, loss of income, pain and suffering and disfigurement or other permanent disability. Compensation under Section 2 of the above-mentioned Act also includes funeral expenses, loss of maintenance and personal injury for the next of kin of the deceased.

With regard to compensation for loss of income, the rules for calculating the annuity basis in Chapter 41, Sections 8–18 of the Social Insurance Code (2010:110) apply. These rules on loss of income do not apply to sick leave of less than 31 days.

Personal injury in connection with assault is compensated to the extent that the insured does not receive compensation from the perpetrator, the perpetrator's insurance company or another party within a period of time that is reasonable in view of the nature of the injury and the need for compensation, but no later than three years after the matter has been reported to Kammarkollegiet.

If personal injury due to an accident or illness through infection leads to death within three years of the event, one times the price 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 loss of maintenance according to the first paragraph – three times the price base amount shall be paid to each such child and three times the price base amount shall be paid to the other parent of such a child as a beneficiary of accident insurance, provided that the other parent is, or in connection with the death becomes, a legal guardian.

In the event of a dental injury caused by an accident, necessary and reasonable costs shall be covered. For implant treatment and dental veneers, compensation is only paid if the treatment is of a type covered by general dental insurance. Before treatment commences, the insured or the treating dentist must contact Kammarkollegiet for an assessment of whether the treatment is reasonable. The insurance only provides compensation for one (1) permanent treatment Injuries caused by chewing or biting are not considered to be accident injuries and are not covered under this clause.

2.1.1 Provisions

In the event of serious illness, hospitalisation, need for repatriation or other active claims assistance in the country of studies, please contact:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 87 71 762

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

Assault must be reported to the local police immediately. The insured shall submit evidence that a police report has been filed. If Kammarkollegiet so requests, the insured must file a lawsuit for damages against the perpetrator. Kammarkollegiet will then cover all the insured’s costs that are not covered by another party.

The insured shall exercise normal care, 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 harm. In the event of negligence, compensation is normally reduced to half, unless the circumstances indicate 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 day fines under Swedish law.

2.1.2 Limitations

Personal injury cover does not apply when participating in high-risk activities such as the following during leisure time or when on holiday:

• Motorsport racing

• Deep sea diving (deeper than 30 m)

• Martial arts

• Mountain climbing (rock, cliff, ice)

• Sporting competitions and training at the elite level

• Off-piste skiing

• Parachuting, skydiving

• Paragliding

Personal injury cover under this insurance only applies to the extent that equivalent compensation cannot be provided under a collective agreement on compensation for occupational injury or under other equivalent insurance, through motor vehicle insurance or under the rules on liability for rail or air traffic operators or operators of any other facility for which liability for damages is specifically regulated by law.

In cases where there is a right to annuity under the Social Insurance Code (2010:110), the occupational injury annuity is coordinated with the compensation under this insurance.

This insurance covers injuries or costs only to the extent that compensation cannot be obtained under the Social Insurance Code (2010:110), other legislation or other insurance.

The insurance does not cover injuries that have not been documented in a medical record, certificate or equivalent within the healthcare system in connection with the event.

The insurance does not cover victimisation or abusive behaviour.

2.2 Medical and dental care cover

The insurance covers 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, compensation is paid for such costs during a period of 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 a maximum of SEK 4,000 per calendar year. The insurance covers necessary and reasonable costs for maternity care in the country of studies up to the end of the 20th week of pregnancy (19+6) equivalent to that offered within Region Stockholm. The insurance covers costs for abortion in the country of studies. If an abortion cannot be performed in the country of studies, the insured must contact Falck Global Assistance or Kammarkollegiet.

In case of pregnancy, costs are reimbursed 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, the costs of emergency medical care may be covered for more than 90 days for both the mother and the child.

Medical and dental care must always be documented with receipts or other evidence. The insurance only covers medicines prescribed by a doctor.

The insurance may cover documented telephone costs for calls to Kammarkollegiet and Falck Global Assistance up to a maximum of SEK 1,500. The insurance may also cover reasonable and necessary additional costs, such as local transport and accommodation due to an acute medical condition up to a maximum of SEK 5,000.

2.2.1 Limitations

The insurance does not cover medical visits for symptoms or illnesses that the insured had before travelling abroad. If the insured's condition rapidly deteriorates during their stay abroad, the insurance covers medical care until the condition has stabilised.

The insurance does not cover additional costs in connection with medical or dental care. Examples of such additional costs include extra accommodation costs, taxi fares, etc.

The insurance does not cover medical check-ups, eye examinations, eyeglasses, contraceptives, prescriptions for planned medication, vaccinations, repair of assistive devices, or planned medical/dental care. Testing for sexually transmitted diseases is not covered if no symptoms or other indications of actual infection are present.

The insurance does not cover emergency medical care in the insured's country of citizenship or domicile. If the insured does not have access to medical benefits in that country, the insurance applies.

2.2.2 Provisions

Sweden currently has agreements on sickness benefits with other EU/EEA countries, the UK, Switzerland and some Convention countries.

If the insured intends to travel to such a country, they must carry a certificate/card from the Försäkringskassan (Swedish Social Insurance Agency) showing that the insured is covered by the Agency. This ensures that they can receive medical care as set out in the relevant agreement.

The insured must obtain Försäkringskassan’s decision before Kammarkollegiet will consider the question of compensation for emergency medical or dental care. Försäkringskassan's decision must be attached to the claim submitted to Kammarkollegiet.

In the event of serious illness, hospitalisation or need for other active claims assistance (for example, if the care us expected to involve major costs), please contact:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 87 71 762

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

Invoices, e.g. from a hospital, shall always be issued to the insured, never to Kammarkollegiet.

Sweden currently has agreements on medical care benefits with the Nordic countries, other EU/EEA countries, Switzerland and some Convention countries. In these countries, the public healthcare system should be the first choice of care.

Anyone travelling to an EU/EEA country, Switzerland or another Convention country should carry a certificate from Försäkringskassan showing that the insured is covered by the Agency. This ensures that they can receive medical care as set out in EU regulations or the Convention, i.e. at no cost other than a patient fee, where applicable.

Anyone travelling to a non-Convention country should carry a personal insurance certificate. The supporting data for such a certificate are issued by the respective authority. The purpose of the certificate is to ensure that the insured has swift access to emergency medical care by enabling the medical institution to immediately confirm that there is insurance to cover the costs.

Anyone who falls ill during a temporary stay in another EU/EEA country or Switzerland must submit an application to Försäkringskassan, which will assess whether the care was of such a nature that compensation can be paid. The application must be accompanied by receipts and other documentation concerning the care. Kammarkollegiet has the right to request a power of attorney from the insured, which includes authorisation to apply for compensation retrospectively for the costs of care in another EU/EEA country and to receive such compensation on behalf of the insured.

2.3 Repatriation cover

The insurance covers necessary and reasonable additional costs for the insured's travel or transport to Sweden 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. The assessment of whether home transport is necessary must always be made by the treating doctor locally together with a doctor from Falck Global Assistance.

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

If the insured is domiciled in a country other than Sweden, the insurance may cover repatriation there.

If Falck Global Assistance recommends repatriation and the insured objects to this, Kammarkollegiet may deny coverage for continued care and treatment abroad for the illness/ injury in question.

If repatriation is required, please contact Kammarkollegiet or:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 87 71 762

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

2.4 Unutilised travel costs

In the event of emergency care or an accident, compensation for unutilised travel costs may be paid if the insured has paid for travel, lodging and a rental car before the time of the accident, and the costs cannot be reimbursed from any other source.

The insured must have:

• Been put on sick leave or prescribed rest due to acute illness or accident.

• Cancelled their stay abroad and returned to Sweden on the orders of a doctor or Falck Global Assistance.

The maximum compensation is SEK 1,000 per person and day and is capped at a total of SEK 20,000 per person.

2.5 Visits by relatives

In the event that the insured suffers a life-threatening injury, life-threatening illness or death abroad, the insurance covers reasonable travel costs for a maximum of two relatives on two occasions from their home city, as well as accommodation in the country in which the insured is located. Reasonable and necessary additional costs such as food and local travel costs can be covered up to a maximum of SEK 5,000 per relative. The same applies in connection with a funeral abroad. The travel must always be approved in advance by Kammarkollegiet or Falck Global Assistance. If the travel is not approved by Kammarkollegiet or Falck Global Assistance in advance, Kammarkollegiet may deny compensation for travel and additional costs.

2.6 Interruption cover

2.6.1 Interruption due to a relative's life-threatening injury, life-threatening illness, death and in the event of extensive property damage

If the insured must prematurely interrupt their studies or internship abroad due to

•a relative’s life-threatening injury or life-threatening illness,

•the death of a relative,

•extensive property damage to the insured's private property in Sweden,

then the insured's costs for repatriation to Sweden will be covered. If the insured is domiciled in a country other than Sweden, the insurance may cover travel there.

The insurance also covers new outbound travel to the country of studies, provided it is undertaken within the originally planned period of stay abroad. For compensation to be paid for new outbound travel, there must be at least 14 days left in the study period abroad.

If you need help booking a ticket, please contact Falck Global Assistance.

Contact details for Falck Global Assistance:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 87 71 762

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

2.6.2 Provisions

If the insured must interrupt their studies or internship abroad and travel back to Sweden or their country of domicile, and there are less than seven days remaining until the normal date for travel home, Kammarkollegiet or Falck Global Assistance must be contacted before commencing the return travel. Failure to contact Kammarkollegiet or Falck Global Assistance will result in no costs being covered. The insurance only covers additional costs for the return travel.

If the insured receives assistance from Falck Global Assistance for the travel home, then the travel must take place at the first possible opportunity that Falck Global Assistance can offer. If not, the costs will not be covered.

The insurance covers a maximum of two trips home for a relative who has suffered a life-threatening illness, life-threatening injury or death. Evidence of a relative's life-threatening injury or illness must be provided in the form of a medical certificate.

The insurance covers return travel to Sweden or the insured's country of domicile or, where applicable, travel to the nearest airport from the insured's registered address. The insurance also covers travel from the airport to the registered address of the insured by public transport.

Other expenses for travel to the relative/funeral/hospital in another city are not covered.

The insurance also covers travel home for the funeral of a relative who died before the insured's outbound travel to the country of studies.

2.6.3 Interruption due to acts of terrorism, serious infectious disease, war, war-like unrest or natural disaster

If the insured must prematurely interrupt their studies or internship abroad due to

• an act of terrorism,

• a widespread outbreak of a serious infectious disease, or

• war, war-like unrest or natural disaster in the country being visited,

then the insured's additional costs for repatriation to Sweden will be covered. If the insured is domiciled in a country other than Sweden, the insurance may cover additional costs for travel there.

• If the insured as a rebookable return ticket, the insurance covers reasonable costs for rebooking.

• If the insured does not have a rebookable return ticket or does not have a return ticket at all, the insurance covers the additional costs incurred to obtain a return ticket. When assessing what constitutes an additional cost for the insured, the cost must exceed the cost that the insured would have incurred for regular return travel at the end of the studies.

The insured must be able to document their additional costs.

If the insured travels to Sweden by private car, the insurance may cover ferry fares, a mileage allowance at the Swedish Tax Agency's standard rate, and a reasonable number of nights in a hotel, if this is a compensable additional cost according to the above. The same applies to the costs for train or bus tickets or car rental to travel to a different airport than the insured would have normally used for their return travel. Taxi fares may be covered in exceptional cases when public transport is not available, up to a maximum of SEK 500.

The insurance may also cover additional costs for:

• The cost of telephone calls to Kammarkollegiet or Falck Global Assistance, maximum SEK 1,500.

• Isolated nights at a hotel due to airport waiting times.

• The costs of sending personal property home from the country of studies if the insured has been forced to leave the country within 48 hours and has not been able to bring along their own property. The maximum amount of compensation is SEK 1,500.

No other additional costs will be covered.

2.7 Connection cover

Compensation may be paid if the insured is delayed and thereby misses their transport to the country of studies when the studies/internship are to begin or on the regular homeward travel from the country of studies when the studies/internship have ended. The travel must have been booked in advance.

Compensation may be paid for additional costs incurred in order to connect to the booked travel. Examples of additional costs include the cost of a new ticket or an extra night in a hotel necessary to continue the journey.

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

2.7.1 Provisions

The delay must be unforeseen and unplanned. No compensation will be paid if the insured is the one who caused the delay by oversleeping, starting out for the airport, train station, etc. too late, or failing to take traffic or weather conditions into account. Nor is compensation paid if the insured is unable to travel due to illness.

The insurance does not cover costs for cancelled trips. Nor does the insurance cover costs that can be reimbursed by the transport company or travel agent.

The insured must be able to provide documented proof of the delay or missed transport, if possible.

If you need help in booking tickets or a hotel, please contact:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 87 71 762

E-mail: fga@se.falck.com

Falck Global Assistance can be contacted 24 hours a day.

2.8 Property cover

Damage to or loss of the insured's personal effects brought with them or acquired during the trip is covered up to a maximum of one half the price base amount per claim. The price base amount is the amount set on the day of the claim. The property must belong to the insured, i.e. not be rented or borrowed. The property cover is valid throughout the insurance period. The deductible is SEK 1,500 per claim.

Limitations in the stated insurance sum:

1. property prone to theft, see below, maximum SEK 15,000,

2. documents with a financial value (tickets, passports, etc.), maximum SEK 10,000, and

3. cash, maximum SEK 2,000.

Property prone to theft:

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

• watches

• cameras, binoculars, musical instruments, mobile phones and other electronic communication equipment, computers, tablets, speakers, game consoles, and parts and accessories for the items listed above.

The insurance covers necessary and reasonable additional costs that are a direct consequence of a compensable loss up to SEK 3,000. Examples of such costs include:

• telephone costs to block debit cards/bank cards/credit cards

• travel costs to file a police report or to obtain a new passport or a new visa

• new keys/new lock to the insured's private residence or private vehicle.

Costs for food and lodging are not covered.

The insurance does not cover the following:

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

• Malfunctions arising from a sudden, unforeseen and external event. Damage or malfunction caused by climate or environmental effects (e.g. moisture-related damage, effects of sand, rust or dirt).

• Damage caused by wear and tear, and surface damage, such as dents and

scratches, that does not significantly impact the usability of the object.

• Damage or loss compensable through other insurance,

a transport company, hotel or similar.

• Damage to sports equipment during use.

• Damage to or loss of a motor vehicle, boat, aircraft, caravan or

trailer, removal goods or animals. A motor vehicle is defined as a vehicle requiring motor vehicle insurance.

• 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 phones, tablets, etc.

• Property that belongs to a Swedish HEI (Swedish authority), a foreign HEI, a company or another legal person.

• Property that has been left behind, lost or misplaced, even if the property is later stolen.

• Costs incurred due to stolen ID or fraud.

2.8.1 Provisions

Property that is fragile or prone to theft must be carried as hand luggage. The insured should be aware that there have been instances of theft occurring from locked and checked luggage. Kammarkollegiet assumes ownership of any lost property for which Kammarkollegiet has paid compensation. If property for which compensation has been paid is found or recovered, the insured must notify Kammarkollegiet of this.

Thefts must be reported to the police without undue delay. If this is not possible, a police report of the theft must be filed in Sweden as soon as the insured has returned home. If it is possible to file a police report abroad, but the insured has failed to do so or has not done so within a reasonable time, the right to compensation will be completely lost. Theft in a hotel must also be reported to the hotel. Damage to or loss of transported luggage must be reported to the transport company. As a first step, the liability, obligations or offers of the hotel or transport company must be requested and utilised.

2.8.2 Duty of care

The insured shall exercise normal care, i.e. handle and store the property in a satisfactory manner and otherwise do what may reasonably be expected to avoid theft or other damage. All windows and doors must be closed and locked if no one is in. Actions such as leaving money in a hotel room, leaving a bag or technical equipment unattended, or leaving property prone to theft in a car are generally considered negligent. If the insured is in a hotel, money, valuables and travel documents must be kept locked in a safe, deposit box, etc. Bicycles and electric scooters must be locked with approved locks.

In the event of negligence, compensation is normally reduced to half, unless the circumstances indicate that the negligence was very minor or had little significance for the insurance claim. The same applies if the insured attempted to limit the loss. If the negligence was particularly serious, for example if a bag was left unattended in a restaurant, hotel lobby or hotel breakfast room, the right to compensation may be completely lost.

2.8.3 Compensation and valuation rules

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

In the event of loss, compensation is paid for the value of the property before it was lost. Valuation does not take into account sentimental value, i.e., the insured’s own feelings about the property.

The insured must be able to document the property with receipts or other evidence of its purchase.

Property is covered as follows:

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

• Older property – when more than a year has elapsed since the date of purchase. Compensation is paid after deduction of a percentage of the current new price of equivalent property as indicated in the table below.

• For consumables such as cosmetics, perfume, medicines, hygiene articles and underwear, compensation is paid at 50% of the price for a new replacement. The same applies to property for personal use or with no resale value.

• For property not included in the table below, the value of the item before damage or loss is the replacement cost less a deduction for age and use. The deduction for age and use is ten per cent per year starting one year from the data of purchase, but no more than 70%.

• For precious metal, genuine pearls and gemstones, 100% of the value of new, equivalent property is paid.

	Age
Item	0–1 year	1–2 years	2–3 years	3–4 years	4–5 years	5–6 years	6+ years
Eyeglasses	100 %	100 %	80 %	60 %	40 %	20 %	20 %
Watches	100 %	100 %	90 %	80 %	70 %	60 %	30 %
Bicycles with accessories	100 %	100 %	70 %	60 %	50 %	40 %	20 %
Sports equipment, e.g. ski and golf equipment	100 %	100 %	70 %	60 %	50 %	40 %	20 %
Cameras, lenses, binoculars and accessories	100 %	100 %	90 %	80 %	70 %	60 %	30 %
Video and audio devices	100 %	100 %	80 %	60 %	40 %	20 %	20 %
Clothing, shoes, boots, bags, wallets, sunglasses	100 %	80 %	60 %	60 %	40 %	20 %	20 %
Mobile phones with accessories, smartwatches, headphones, speakers	100 %	70 %	40 %	20 %	20 %	20 %	20 %
Computers, e-readers and tablets with accessories	100 %	80 %	60 %	40 %	20 %	20 %	20 %

2.9 Delayed baggage

In the event that checked baggage is delayed by more than 8 hours during the outbound journey from Sweden at the start of studies, compensation will be paid up to a maximum of SEK 2,000 to cover hygiene articles and clothing purchased in the country of studies. These costs must be documented with receipts or other proof of purchase.

2.9.1 Provisions

The insured must submit documented proof of the delay from the transport company. As a first step, the liability, obligations or offers of the transport company must be requested and utilised.

2.10 Cash transfer

If the insured is in immediate need of money due to theft or other compensable event, up to SEK 10,000 in a suitable currency may be transferred from Falck Global Assistance.

Contact details for Falck Global Assistance:

Falck Global Assistance

Tel: +46 85 87 71 749

Fax: +46 85 87 71 762

E-mail: fga@se.falck.com

2.10.1 Provisions

Payment from Falck Global Assistance is not to be regarded as compensation, but as a loan from Kammarkollegiet to the insured. When the claim is settled, the loan amount will be deducted from the compensation paid. Thus, where applicable, the insured is liable to repay Kammarkollegiet the difference between the loan amount and the compensation amount.

2.11 Crisis and disaster cover

If the insured is in an area in the country of studies that has been struck by a natural disaster or war-like unrest and is forced to move to a safer location in the country of studies or change their form of accommodation due to these circumstances, compensation may be paid for necessary and reasonable additional costs for food, lodging and domestic travel.

If the insured suffers an acute mental crisis in connection with a natural disaster or war-like unrest in the country of studies, the insurance may cover five treatment sessions with a psychologist, counsellor or equivalent. The sessions may take place in the country of studies or in Sweden. If further treatment is required, please contact Kammarkollegiet.

Compensation can be paid up to a maximum of SEK 10,000. The cost must be supported by receipts or other documentation.

2.12 Liability cover

2.12.1 Scope

The insurance provides cover in the following situations:

1. Claims for damages against the insured as a private individual

2. Claims for damages against the insured as a student or intern

3. Claims for damage against the insured in the relationship between the insured as tenant and a landlord

The insurance covers damages occurring during the insurance period and caused by the insured through negligence or for which the insured is strictly liable under non-contractual tort law.

2.12.2 Exclusions

The insurance does not cover:

• Damage caused to some extent wilfully or through gross negligence by the insured

• Claims for damages against the insured in their capacity as a business owner

• Family law disputes such as divorce, custody disputes, inheritance disputes, 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

• Damage covered by the principal liability of an employer, and

• Damage arising as a result of the insured committing an offence for which imprisonment is a possible punishment under Swedish law.

The insurance does, however, apply to claims for damages from someone other than the vehicle rental company against the insured as the driver or a rented or borrowed motor vehicle, to the extent that the claim is not covered by applicable motor vehicle or other equivalent insurance.The insurance only covers damages. As such, it does not cover fines or other monetary penalties.

2.12.3 Claims settlement

If a claim for damages is made against the insured due to an incident that occurred during the insurance period, Kammarkollegiet undertakes to carry out the following on behalf of the insured:

• Investigate whether liability exists

• Negotiate with the opposing party

• Represent the insured in court or arbitration proceedings and thereby pay the legal or arbitration costs incurred by the insured or ordered to be paid by the insured, provided such compensation cannot be obtained from the opposing party or any other party, and

• Pay the damages the insured is liable to pay under applicable tort law, up to a maximum of SEK 10,000,000.

2.12.4 Provisions

Kammarkollegiet shall not be bound by any prior undertaking by the insured to compensate for any loss or damage, to admit liability for damages, or to accept claims for compensation. If a claim is made, the insured must refer to this 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.

2.13 Legal expenses cover

If the insured, as a private individual, claims damages from another party due to an event that occurred during the insurance period, reasonable legal costs incurred by the insured shall be covered if these cannot be paid by the opposing party or any other party. In addition, legal costs that the insured is ordered by a court to pay to the opposing party are also covered, where applicable.

2.13.1 Scope

The insurance provides cover in the following situations:

• If the insured, as a private individual, makes a claim for damages against another party due to an event that occurred in the country of studies during the exchange period

• If the insured, as a student or intern, makes a claim for damages against another party due to an event that occurred in the country of studies during the exchange period

• If the insured, as a tenant, makes a claim for damages against another party in respect of accommodation rented during the rental period in the country of studies

• Only disputes that can be brought before a general court.

2.13.2 Exclusions

The insurance does not cover:

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

• Disputes with a value of less than one half the price base amount (small claims).

• Disputes directly or indirectly related to the performance of professional duties or labour law disputes.

• Disputes related to family or inheritance law, such as divorces, custody disputes, division of property, or inheritance disputes. Disputes related to registered partnerships or cohabiting partner relationships under the Cohabitees Act (2003:376) are not covered.

• Disputes concerning pledges, guarantees, similar obligations or other agreements entered into by the insured for the benefit of a legal person or other private individual.

• Disputes concerning the insured as a property owner, apartment owner, or tenant-owner rights holder

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

• Disputes concerning assigned claims

• Disputes concerning settlement of personal injury claims, provided that compensation for the costs of legal representation cannot be obtained through motor vehicle insurance

* However, when the insured is the driver of a rented vehicle and stands as the registered driver on the contract with the vehicle rental company, the insurance provides cover in disputes against a party other than the vehicle rental company/vehicle owner, insofar as the claim is not covered by the applicable motor vehicle insurance or other equivalent insurance.

2.13.3 Compensation amount and deductible

Compensation is limited to SEK 200,000 per trip for studies abroad.

The deductible is 20% of the total cost of the claim, but not less than SEK 1,500 and not more than SEK 6,000.

2.13.4 Provisions

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

The insured shall, as a first resource, engage a Swedish lawyer as legal representative. In the event of a dispute abroad, the insured shall engage a legal representative approved by Kammarkollegiet.

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 opposing party.

The insurance does not cover the cost or value of your own work, loss of income, travel and subsistence, or other expenses incurred by you as the insured.

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

3 Insurance claim

Information on how to submit a claim is available at www.kammarkollegiet.se.

The claimant shall as do the following:

• In the event of assault, attach proof of reporting issued by the police at the site where the claim arose.

• In the event that checked luggage is delayed, attach proof that this has been reported to the transport company.

• Submit an itemised claim for compensation and attach digital receipts or other supporting documents.

• If another insurance policy applies for the same claim, notify Kammarkollegiet of this.

• If Kammarkollegiet so requests, provide information and submit medical certificates and other documents that Kammarkollegiet needs to settle the claim.

3.1 Provisions

If the insured fails to fulfil their obligations under the terms and conditions of Student OUT, the compensation may be reduced or denied entirely.

If Falck Global Assistance has been contacted concerning an event, the claim must always be submitted to Kammarkollegiet, even if the insured is not entitled to compensation under the insurance.

4 General terms and conditions

4.1 Other insurance

The insurance only covers damages or costs to the extent that they cannot be covered by other insurance, regulation or law.

4.2 Statutory limitation

The right to compensation expires three years after the date of the event if no notification has been received by Kammarkollegiet. In the case of liability cover, the date of the claim is deemed to be the date on which a claim was made against the insured. In other cases, the date of the claim is the date of the event that forms the basis of the insurance claim.

4.3 Recovery

To the extent that Kammarkollegiet has paid compensation in an insurance case, Kammarkollegiet assumes the insured's right vis-à-vis any other party liable for the damage.

4.4 Application of insurance terms and conditions

In the event of a claim, the insurance terms and conditions stated in the insurance confirmation that was valid when the claim arose are applied.

4.5 Foreign currency

If the cost is in a currency other than SEK, the exchange rate on the day the cost arose is applied.

4.6 Register of insurance claims, GSR

Kammarkollegiet is authorised to register claims related to this insurance in the industry-wide register of insurance claims, GSR.

4.7 Application

If there are differences between terms and conditions in Swedish and in English, the Swedish applies.

5 Definitions

5.1 Relative

Relative is defined as:

• Spouse

• Cohabiting partner who is registered at the same address as the insured

• Child

• Grandchild

• Sibling

• Parent

• Grandparent

• Mother-/father-in-law*

• Daughter-/son-in-law**

• Stepmother, stepfather or step-sibling**

* Parent of the insured's spouse or cohabiting partner, as specified above.

** Spouse or cohabiting partner of the insured's child, as specified above.

*** Spouse, cohabiting partner or child of one of the insured's parent(s), as defined above.

5.2 Emergency medical care

Care for a rapidly developing and relatively short-lasting medical condition that arises suddenly during the insurance period 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 abroad or for which treatment is needed as quickly as possible, such as in case of abdominal pain or fever.

5.3 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. For dental injuries caused by chewing or biting, compensation is only paid for emergency treatment carried out abroad.

5.4 Price base amount

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

5.5 The insured

The insured is the person covered by the insurance.

5.6 Direct travel

Direct travel is a journey that is as direct as possible without unnecessary stops. If you interrupt your 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 you choose 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.

5.7 Domicile

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

5.8 The authority

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

5.9 Accident

Accident means a bodily injury caused by a sudden and involuntary event involving external force to the body.

Injury during scheduled physical training or during practical training in the health professions or other practical training programmes involving high physical strain is considered an accident even if the requirement of external force is not met.

The effects of smoke, gas, chemical substances, heat, cold or radiation are also considered to be equivalent to external force. The same applies to changes in pressure and other effects on the body during diver training. Frostbite injuries that do not occur suddenly are not covered by the insurance.

Notwithstanding the requirement that the event be involuntary, sudden events involving external force to the body are also considered to be accidents if they arise in connection with work, education, training or practical exercises that the insured has participated in voluntarily, provided that the event is an undesired and unforeseen consequence of the activity. The same applies to injury or illness that arises in connection with practical training in giving injections or collecting samples during healthcare studies.

Overuse or repetitive strain injuries, twisting injuries, and dental injuries when chewing or biting are not categorised 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.

5.10 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.

5.11 Cohabiting partner

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

5.12 Illness through infection

Illness through infection has the same meaning as occupational injury through infection as set out in Section 5 of the Ordinance concerning occupational injury insurance and state personal injury cover (1977:284).

5.13 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 country of studies begins. Introductory courses, language courses and similar preparatory activities organised at the foreign HEI are included in the period of study.

5.14 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.

5.15 Country of studies

The country in which the host university or internship placement site is domiciled.