Relative. Parents, husband, wife, cohabitee, registered partner, children and siblings are considered relatives. ‘Sickness’ means a deterioration of the state of health, physical or mental, which has been observed for the first time by a physician or a registered psychologist, which is not to be regarded as an accidental injury according to these conditions. The sickness is deemed to have occurred on the date when the deterioration was observed by a physician or a registered psychologist. A bodily injury which has been caused voluntarily is not regarded as sickness. Sicknesses which are medically linked are counted as one and the same sickness claim. Group scheme insurance for which group members apply themselves through a personal application or by not declining insurance. Waiting period is the period the insurance must have been in force before the right to compensation arises. ‘Work disablement’ means that the work capacity of the insured has been eliminated or impaired due to sickness or accidental injury. Euro Accident’s assessment will normally follow the rules for national insurance and the decision of the Social Insurance Agency of the right to sickness or rehabilitation benefit, activity compensation, sickness compensation or other compensation due to inability to work. Periods with sick pay are also regarded as inability to work. The impairment is assessed, unless otherwise stated, in accordance with Chapter 7, Section 3 of the National Insurance Act. In order to establish the right to compensation Euro Accident may request that the insured attends an examination at a specially assigned physician.
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