Validity abroad. See Clause 1.8 regarding validity abroad.
Validity abroad. See Clause 1.11 regarding validity abroad. Euro Accident Livförsäkring AB
Validity abroad. An explanation of how the insurance applies in the event of a stay outside the Nordic countries is provided below. ’The Nordic countries’ below means Sweden, Finland, Denmark (except Greenland), Norway (except the Svalbard Archipelago) and Iceland. A stay outside the Nordic countries is not deemed to be discontinued by temporary presence in the Nordic countries to visit doctors, hospital care, for business, holiday or the like. A stay outside the Nordic countries is deemed to have been discontinued when the insured returns to the Nordic countries with the intention of staying. The life insurance component of Life Insurance with child protection and Life Insurance with total permanent disability and child protection applies in the event of a stay outside the Nordic countries regardless of the length of the stay. The total permanent disability component of Total permanent disability insurance, Life Insurance with total permanent disability, Short-term and Long-term Disability Insurance, Basic Disability Business Interruption Insurance and Disability Business Interruption Insurance apply in the event of a stay outside the Nordic countries for up to twelve months. When processing a claim for total permanent disability and the insured at the time of the loss occurrence did not belong to the Social Insurance Agency, Euro Accident will pay compensation only if it is probable that the insured would have been granted at least a half sickness compensation or activity compensation if they had belonged to the Social Insurance Agency. The assessment will be made in conjunction with Euro Accident’s consultant physician. Accidental Death and Dismemberment Insurance, Sickness and Accidental Death and Dismemberment Insurance and Child and Youth Insurance apply in the event of a stay outside the Nordic countries for up to twelve months. However, there is no limitation to the length of the stay abroad with respect to the invalidity allowance and compensation for death components of these insurance products if the insured group member or coinsured is: – in stationed abroad by the Swedish state, a Swedish company or a Swedish NGO – in service with a foreign company with a permanent link to Sweden – in service with an international organisation with a permanent link to Sweden. Reimbursement for expenses in the event of an accidental injury abroad will be settled in the same way as if the accidental injury occurred in Sweden. In case of staff stationed abroad, compensation for c...
Validity abroad. See Clause 1.11 regarding validity abroad. The insurance will pay: The insurance will not pay: – a lump sum in the event of work disablement ≥ 50%, that lasted for a certain period, before the age of 60. – in the event of work disablement < 50% – misuse-related illness – compensation in respect of mental or stress-related illness that has manifested itself within 24 months after the insurance was applied for. Note The above are examples of the most commonly occurring restrictions, for a complete description see below.
Validity abroad. 6 Accidental death and dismemberment insurance The insurance will pay: The insurance will not pay: – medical expenses – dental injury expenses – travelling expenses – additional costs – costs for rehabilitation and medical devices – daily compensation – medical disability – professional disability – scars or other change in respect of appearance – crisis treatment – death benefit. – private care or private treatment – dental injury as a consequence of chewing, biting or inflammation/dental illnesses – additional costs in business activities – costs caused by deterioration to health status that are not linked to the accidental injury – costs for home transport in the event of accidental injury outside the home district and abroad. Note The above are examples of the most commonly occurring restrictions, for a complete description see below.
Validity abroad. See Clause 1.11 regarding validity abroad. 8 Child and youth insurance The insurance will pay: The insurance will not pay: In the case of accidental injury: – medical expenses – dental injury expenses – travelling expenses – additional costs – costs for rehabilitation and medical devices. In the case of sickness and accidental injury: – medical disability – professional disability – scars or other change in respect of appearance – crisis treatment – compensation in the case of hospital stay/care at home – death benefit – costs allowance. – private care or private treatment – dental injury as a consequence of chewing, biting or inflammation/dental illnesses – costs caused by deterioration to health status that are not linked to the accidental injury – costs for home transport in the event of accidental injury outside the home district and abroad – certain kinds of sickness that showed symptoms before the age of six – costs allowance for a period longer than three years and after the age of 19. Note The above are examples of the most commonly occurring restrictions, for a complete description see below.
Validity abroad. See Clause 1.11 regarding validity abroad. The insurance covers: The insurance does not cover: – healthcare advice – care planning – extended medical care services – consultant physician care – second opinion – hospital care and surgery – post surgical aftercare and rehabilitation – travel and accommodation – medical devices – patient fees – dietician – psychologist or psychotherapist – elimination of deductible in the case of acute injury abroad. – pharmaceuticals – physiotherapist/naprapath/chiropractor/osteopath – eye infections – ear, nose and throat infections – respiratory tract infections – E-care service. Note The above are examples of the most commonly occurring restrictions, for a complete description see below.
Validity abroad. See Clause 1.11 regarding validity abroad. 14 Basic disability business interruption insurance The insurance will pay: The insurance will not pay: – monthly compensation for one (1) period of twelve months in the event of a business interruption due to work disablement. – compensation for business interruption due to pregnancy, childbirth or consequences thereof – compensation for business interruption as a consequence of alcohol and/or other intoxicants – misuse-related illness – chronic fatigue syndrome – compensation in respect of mental or stress-related illness that has manifested itself within 24 months after the insurance was applied for – compensation during the qualifying period. Note The above are examples of the most commonly occurring restrictions, for a complete description see below.
Validity abroad. See Clause 1.11 regarding validity abroad. 15 Disability business interruption insurance The insurance will pay: The insurance will not pay: – monthly compensation for up to three periods of twelve months in the event of a business interruption due to work disablement – a lump sum in the event of death. – compensation for business interruption due to pregnancy, childbirth or consequences thereof – compensation for business interruption as a consequence of alcohol and/or other intoxicants – misuse-related illness – chronic fatigue syndrome – compensation in respect of mental or stress-related illness that has manifested itself within 24 months after the insurance was applied for – compensation exceeding five price base amounts during the first operational year – compensation during the qualifying period. Note The above are examples of the most commonly occurring restrictions, for a complete description see below.
Validity abroad. The insurance applies without restrictions in respect of the length of the stay abroad, provided that the insured continues to be entitled to compensation from a Swedish social insurance agency and is employed by the policyholder. Nor is there any limitation on the length of the stay abroad provided the insured is: – in foreign service with the Swedish state, a Swedish company or a Swedish NGO – in service with a foreign company with a permanent link to Sweden – in service with an international organisation with a permanent link to Sweden. Clause 1.8.1 shall apply in the event of a stay abroad during a period of sickness.
