5 Definitions

Acute illness

Suddenly arising and relatively brief medical condition, which may need to be treated immediately.

Accident

An "accident" is a bodily injury caused by a sudden and unintentional occurrence involving external force against the body. This means that overload and attrition injuries and twists of other than against the knee are not counted as accidents. The same applies to heart attacks, strokes and similar, as well as diseases caused by bacteria, viruses or other contagion, unless these have arisen in connection with a sudden and unintentional occurrence involving external force against the body.

The term also includes disease or injury caused by biological or chemical substance, if it is likely that someone wilfully spread the biological or chemical substance with the intention of infecting or injuring persons. If the disease or injury is not discovered until after the term of insurance has expired, a medical expert opinion shall form the basis of the standpoint on the matter of whether the disease or injury shall be assumed to have befallen the insured during the term of insurance.

Injuries caused by chewing or biting are not considered accidental injuries.

Assault

Assault refers to injury through violence to a person, unprovoked and without consent.

Base Amount

The base amount is the price base amount as defined in Chapter 2, Section 7 of the Social Insurance Code.

Cohabitant

The term cohabitant carries the same definition as in the Cohabitees Act (2003:376)

Emergency dental care

Emergency dental care refers to the same as the term immediate dental care in Section 6 of the Dental Care Act (1985:125). Emergency dental care means that the patient becomes pain and infection free, has one (1) functioning chewing surface and that any visible dental gaps are filled provisionally. Visible dental gaps mean whole or partial loss of any of the ten front teeth in the upper or lower jaw.

Emergency medical care

Emergency medical care refers to the same as the term immediate medical care in Section 4 of the Health and Medical Services Act (1982:763).

Family members

The term family members refer to:

• Spouse

• Registered partner

• Cohabitant registered at the same address as the insured person

• Grandchild(ren)

• Siblings

• Parents

• Parents-in-law*

• Daughter and son-in-law**

* Stepmother and stepfather***

* Parents of the spouse, registered partner or cohabitant as referred to above.

** Children's spouse or registered partner or cohabitant as referred to above.

***Parent's spouse, registered partner or cohabitant as referred to above.

The term close family (section 2.2) covers spouse, registered partner, cohabitant and child. Where the insured person does not have these relatives, parents are considered close family.

Natural disaster

By natural disaster is meant e.g. earthquake, volcanic eruption, tsunami, hurricane, large forest fires and extensive flooding.

The Authority

The authority is the authority that has taken out the insurance.

The insured/insured person/traveller

The insured/insured person/traveller is the person covered by the insurance.

War-like unrest

For example, revolution, rebellion, terror and armed conflict.