Travel insurance — Sweden

[1] Medical expenses: €300,000 ↩

Reimbursement of emergency medical treatment costs for which the insured is responsible while abroad, up to €300,000 per person

Reimbursement of medical expenses for which you are responsible Organization and payment for hospitalization Maximum sublimit for Dental Care – 300 € per person 300.000 € per person

[2] Medical transport: Covered ↩

Emergency transportation following a medical emergency abroad is covered, including accommodation during transport to bedside (up to 7 nights, max €50/night) and return of dependents at cost

Sublimit Accommodation Transport to Bedside – 7 nights at max. 50 €/night Return of Dependents At cost

[3] Emergency dental: €300 ↩

Emergency dental treatment abroad is covered up to a maximum sublimit of €300 per person

Maximum sublimit for Dental Care – 300 € per person

[4] Search & rescue: €1,500 ↩

Search and rescue costs are covered under the Emergency Transportation Coverage, with a sublimit of €1,500 per person, per KLM's own coverage summary.

Repatriation of Remains or Funeral expenses Search and Rescue sublimit – 1.500 € per person

[5] Emergency medical treatment: €300,000 ↩

Covers emergency medical treatment abroad up to €300,000 per person, part of the overall Emergency Medical/Dental coverage limit

Emergency Medical/Dental Coverage You have to pay for emergency medical or dental treatment while on your trip.

[6] Hospitalization: €300,000 ↩

The insurer organizes and pays for hospitalization abroad, within the €300,000 per person Emergency Medical/Dental limit

Organization and payment for hospitalization Maximum sublimit for Dental Care – 300 € per person

[7] Outpatient treatment: €300,000 ↩

Outpatient emergency medical treatment abroad is covered within the €300,000 per person Emergency Medical/Dental limit

we will reimburse the reasonable and customary costs of that care for which you are responsible, up to the maximum benefit listed for emergency medical/dental coverage in your Coverage Summary

[8] Medical evacuation: Covered ↩

Emergency evacuation and medical repatriation are covered when transportation is needed following a medical emergency during the trip

Emergency Evacuation Medical Repatriation

[9] Repatriation of remains: Covered ↩

Repatriation of remains or funeral expenses is listed as a covered benefit; the exact monetary limit is not stated in the reviewed section of the document

Repatriation of Remains or Funeral expenses Search and Rescue sublimit – 1.500 € per person

[10] Pre existing conditions: Conditional ↩

Allianz Partners (AWP P&C S.A. – Dutch Branch) KLM travel insurance excludes pre-existing medical conditions: any illness, injury or medical condition that, within the 180 days before the policy's purchase date, caused the insured to seek medical examination, diagnosis, care or treatment, presented symptoms, or required doctor-prescribed medication.

An injury, illness, or medical condition that, within the 180 days prior to and including the purchase date of this policy: 1. Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; 2. Presented symptoms; or 3. Required a person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription, and the prescription has not changed).

[11] Medical expenses: Unlimited ↩

No upper limit on medical costs incurred due to accident or illness while travelling; for incidents occurring within Finland (domestic trips) the maximum benefit is 250,000 EUR.

[12] Medical transport: Unlimited ↩

Transport of the insured back to their home country due to a travel illness or accident is covered with no upper limit, provided it is organised and pre-approved by the emergency travel assistance company.

[13] COVID-19 treatment: See details ↩

Not addressed as a distinct benefit in the reviewed policy wording.

[14] Personal liability: €85,000 ↩

Covers damage to property or persons for which the insured is legally liable, up to a maximum of 85,000 EUR, with a 50 EUR deductible.

[15] Emergency dental: €250 ↩

Emergency dental treatment following an accident during the trip is reimbursed up to 250 EUR.

[16] Search & rescue: See details ↩

Not mentioned as a distinct benefit in the reviewed policy wording.

[17] Legal assistance: €85,000 ↩

Legal costs related to a covered liability claim are reimbursed up to a maximum of 85,000 EUR, with no deductible.

[18] Emergency medical treatment: Unlimited ↩

Emergency treatment for acute travel illness or accident is reimbursed with no upper limit; SOS International arranges direct billing to the treating facility where possible.

[19] Hospitalization: Unlimited ↩

Hospital stay costs are reimbursable medical expenses covered under the same overall medical expenses cap (unlimited abroad, 250,000 EUR for domestic incidents), with no separate sub-limit.

[20] Outpatient treatment: Unlimited ↩

Outpatient examinations and treatment prescribed by a doctor for a covered travel illness or accident are reimbursable medical expenses, covered under the same overall cap.

[21] Medical evacuation: Unlimited ↩

Evacuation/repatriation to the place of residence must always be medically justified and follow the instructions of a doctor approved by the emergency assistance company; no upper monetary limit applies.

[22] Repatriation of remains: Unlimited ↩

If the insured dies as a result of a travel illness or accident during the policy period, the necessary and reasonable costs of transporting the deceased home, organised and pre-approved by the emergency travel service, are covered with no upper limit.

[23] Pre existing conditions: Conditional ↩

An illness present, diagnosed, or under investigation before the trip began is not a covered travel illness; however, if such a condition suddenly and unexpectedly worsens during the trip, necessary acute medical treatment is reimbursed for a maximum of 7 days.

[24] Winter sports cover: Conditional ↩

Ordinary skiing on marked slopes is covered under the standard accident/illness benefits (an official claims example describes reimbursement for a ski-fall injury), but skiing off marked slopes, speed skiing and downhill racing are excluded.

[25] Adventure sports cover: Excluded ↩

The policy excludes competitive sports and training, motor sports, diving deeper than 12 metres or without a licence/instructor, climbing sports, air sports (hang-gliding, paragliding, parachuting, bungee jumping), contact sports, self-guided expeditions to mountains/jungle/desert/wilderness, and ocean sailing.

[26] Pregnancy complications: Conditional ↩

Childbirth/pregnancy examinations, pregnancy tests, abortion and sterilisation are excluded, as are the consequences of childbirth or pregnancy occurring after the 28th week of pregnancy; complications arising earlier may be reimbursed as an ordinary travel illness.

[27] Medical expenses: Covered ↩

Necessary and reasonable costs for acute illness or accidental injury requiring medical care at the destination are covered; the benefit period is capped at 60 days from the first doctor visit and a special deductible of 1,800 SEK applies. No fixed monetary ceiling is stated.

Försäkringen ersätter nödvändig och skälig kostnad i samband med akut sjukdom* eller olycksfallsskada* som krävt läkarvård på resmålet.

[28] Medical transport: Covered ↩

Necessary and reasonable travel costs connected with reimbursable care or treatment are covered; car travel is compensated using the Swedish Tax Agency's standard mileage rate. Benefit period capped at 60 days from the first doctor visit; no fixed monetary ceiling stated.

Försäkringen ersätter nödvändig och skälig kostnad för resor i samband med ersättningsbar vård eller behandling.

[29] COVID-19 treatment: See details ↩

Not separately addressed; the documents only mention epidemics in the context of the catastrophe/evacuation benefit, not as a specific illness-treatment benefit.

[30] Personal liability: SEK 5,000,000 ↩

If you cause damage to a person or property as a private individual, this covers investigation of liability, negotiation with the claimant, legal defence and litigation costs, and payment of damages you are ordered to pay. Maximum compensation is 5,000,000 SEK, with litigation costs paid in addition; deductible is 1,800 SEK. Does not cover liability connected with occupational/professional activity or as owner/driver of a boat or motor vehicle.

Högsta ersättning är 5 000 000 kronor, eventuella rättegångskostnader ersätts utöver detta belopp. Självrisken är 1 800 kronor.

[31] Emergency dental: SEK 5,000 ↩

Covers temporary dental treatment at the destination for acute dental problems, including those caused by chewing or biting, and damage to a denture while in place in the mouth. Maximum compensation for temporary treatment of acute dental problems is 5,000 SEK.

Högsta ersättning för tillfällig behandling vid akuta tandbesvär är 5 000 kronor.

[32] Search & rescue: See details ↩

Not addressed as a distinct benefit in the reviewed policy documents.

[33] Legal assistance: SEK 400,000 ↩

Covers lawyer and litigation costs (that cannot be recovered from the state or the opposing party) for disputes as a private individual/traveller arising outside Sweden. For disputes handled within the Nordic countries, cover is up to 400,000 SEK per dispute, of which a maximum of 50,000 SEK for investigation costs and evidence; disputes handled outside the Nordics are covered for necessary and reasonable costs without this cap. Deductible is 25% of costs, minimum 1,800 SEK.

Självrisken är 25 % av kostnaderna, lägst 1 800 kronor. Vid tvist som handläggs inom Norden ersätter försäkringen kostnader upp till 400 000 kronor per tvist varav högst 50 000 kronor för utredningskostnader och bevisning.

[34] Emergency medical treatment: Covered ↩

Covers necessary and reasonable cost for treatment by a licensed doctor, hospital care and treatment prescribed for healing during the trip, plus costs for medical certificates needed for claims handling. Benefit period capped at 60 days from the first doctor visit; no explicit monetary ceiling stated.

nödvändig och skälig kostnad som du under resan har för vård utförd av behörig läkare, sjukhusvård och behandling som läkare föreskriver för skadans läkning,

[35] Hospitalization: Covered ↩

Hospital stays are covered as part of the vårdkostnad (medical cost) benefit when required for acute illness or accidental injury during the trip; bundled with the same 60-day benefit period and 1,800 SEK deductible, with no separate stated cap.

nödvändig och skälig kostnad som du under resan har för vård utförd av behörig läkare, sjukhusvård och behandling som läkare föreskriver för skadans läkning,

[36] Outpatient treatment: Covered ↩

Doctor-prescribed outpatient treatment for healing of an acute illness or accidental injury is covered under the same vårdkostnad benefit, subject to the 60-day benefit period and 1,800 SEK deductible; no separate cap is stated.

nödvändig och skälig kostnad som du under resan har för vård utförd av behörig läkare, sjukhusvård och behandling som läkare föreskriver för skadans läkning,

[37] Medical evacuation: Covered ↩

If a doctor determines you cannot return home as planned due to acute illness or accidental injury, the additional cost of a new journey home is covered; the trip must be pre-approved by Dina or SOS International. No fixed monetary ceiling stated for the transport itself. If a doctor assesses the condition as life-threatening abroad, travel and lodging costs for two close relatives are covered up to a combined 50,000 SEK.

Blir du allvarligt sjuk eller råkar ut för ett olycksfall* utomlands och behörig läkare bedömer att ditt tillstånd är livshotande, ersätter vi två närstående* personers resa från hemorten* i Sverige och åter samt merkostnad för kost och logi.

[38] Repatriation of remains: Covered ↩

Covers the cost of transporting the deceased home to Sweden if death occurs during the trip, and any resulting extra cost of the insured's own homeward journey; no fixed ceiling stated for the transport of remains itself. If burial takes place at the destination instead, that cost plus travel/lodging for two close relatives is covered up to a combined 50,000 SEK.

Försäkringen ersätter kostnad för hemtransport av avliden till hemorten* i Sverige när dödsfallet inträffar under resa*.

[39] Pre existing conditions: Excluded ↩

The insurance does not cover costs arising because a need for care (including palliative care) already existed before the trip started, or because of deterioration of the same or similar symptoms for which care/treatment was sought in the three months before departure.

kostnad som beror på att vårdbehov, även palliativ vård, föreligger redan då resan startas,

[40] Winter sports cover: Covered ↩

Standard skiing/winter sports activity (skidåkning) is included in Dina Försäkringar's travel insurance (part of the home insurance's 45-day travel protection) without a separate sum insured; the general medical/accident cover limits of the travel insurance apply. Explicitly excluded 'riskfylld aktivitet' (not covered) includes motor racing/track driving and mountain hiking above 3,600 metres; off-piste skiing and similar high-risk winter activities are treated as excluded risky activities requiring a separate policy (e.g. Extremsport-type cover from other providers), not a specific winter-sports limit within Dina's own product.

Ja, reseförsäkringen gäller vid skidåkning och dykning. De aktiviteter vi ser som riskfyllda och som försäkringen inte gäller för är: Tävling, träning eller bankörning med motorfordon, Vandring i bergsområden över 3 600 meters höjd.

[41] Adventure sports cover: Excluded ↩

Excludes damage occurring during risky activities, including competing, training or track-driving with motor vehicles; hiking in mountain areas above 3,600 metres; mountaineering/climbing; and stays on a boat or ship exceeding three days on the open sea.

skada som inträffat under deltagande i riskfylld aktivitet, till exempel tävling, träning eller bankörning med motorfordon, vistelse på båt eller fartyg som varar mer än tre dygn på öppet hav, vandring i bergsområden över 3 600 meters höjd, bergsklättring och bergsbestigning.

[42] Pregnancy complications: See details ↩

Not specifically addressed in the reviewed documents; pregnancy-related illness would generally fall under the general acute-illness rules, including the exclusion for pre-existing care needs.

[43] Medical expenses: Optional ↩

Available as the paid add-on 'Sjukdom och olycksfall'. Covers necessary and reasonable acute medical treatment costs for illness or accident occurring during the trip. For acute illness, reimbursement runs up to 60 days from the first doctor visit; for accidents, up to 3 years from the accident date. No fixed SEK ceiling is stated for this benefit; costs must be necessary and reasonable. Automatically included (without extra premium) on trips exceeding 45 days.

Vid akut sjukdom lämnas ersättning i upp till 60 dagar från dagen för första läkarbesöket. Vid olycksfall lämnas ersättning i upp till tre (3) år från olyckstillfället.

[44] Medical transport: Optional ↩

Part of the 'Sjukdom och olycksfall' add-on. Covers necessary and reasonable local travel costs in connection with medical care and treatment, including ambulance-type transport to the nearest suitable facility. If traveling by private car, reimbursement is 1.80 SEK per kilometer.

Försäkringen ersätter nödvändiga och skäliga merkostnader för lokala reskostnader i samband med vård och behandling. Om du reser med privat bil lämnas ersättning med 1,80 SEK per kilometer.

[45] COVID-19 treatment: See details ↩

No dedicated COVID-19 benefit is described in the available sources; COVID-19 as an acute illness would presumably fall under the general 'Sjukdom och olycksfall' add-on, but this is not explicitly stated.

[46] Personal liability: SEK 10,000,000 ↩

Included in the base coverage. Covers legal liability as a private individual for personal injury or property damage caused to a third party during the trip, including damage to rented accommodation/hotel rooms. Maximum 10,000,000 SEK per event for personal injury and 10,000,000 SEK per event for property damage, but combined liability per event cannot exceed 10,000,000 SEK regardless of how many insured persons are jointly liable.

Personskada: 10 000 000 SEK per skadehändelse. Sakskada: 10 000 000 SEK per skadehändelse.

[47] Emergency dental: SEK 5,000 ↩

Part of the 'Sjukdom och olycksfall' add-on. Covers temporary acute dental treatment for immediate pain relief up to 5,000 SEK per insured; the treating dentist must be licensed in the treatment country. Separately, dental injury from an accident (tandolycksfall) is covered with necessary and reasonable costs (no fixed cap), treatment can start abroad and be completed at home within 3-5 years of the accident.

Försäkringen ersätter akut tillfällig tandbehandling på resmålet för omedelbar smärtlindring, upp till 5 000 SEK per försäkrad. Det är ett krav att tandläkaren är legitimerad i det land du behandlas.

[48] Search & rescue: SEK 100,000 ↩

Included in the base coverage. Covers necessary and reasonable costs of police, civil or military search and/or rescue, capped at 100,000 SEK per insured, with an aggregate cap of 300,000 SEK per event. Cover applies for up to 14 days from disappearance within a 50 km radius of the last known location; excludes search/rescue related to kidnapping or hijacking.

Högsta ersättningsbelopp är 100 000 SEK per försäkrad eller högst 300 000 SEK per skadehändelse.

[49] Legal assistance: SEK 100,000 ↩

Included in the base coverage. Covers necessary and reasonable legal costs (own and opposing counsel fees a court may order, settlement costs, expert reports) for disputes arising during the trip, up to 100,000 SEK per trip. Applies with a deductible of 10% of the total claim cost, minimum 2,500 SEK, per instance of appeal (waived if legal-aid income thresholds in the country of proceedings are met). Excludes disputes with the travel agency/tour operator or ERGO Försäkring itself, employment/professional disputes, family/inheritance law, criminal matters, and motor-vehicle related liability.

Högsta ersättningsbelopp är 100 000 SEK per resa. Försäkringen gäller med en självrisk på 10 % av den totala skadekostnaden, dock lägst 2 500 SEK.

[50] Emergency medical treatment: Optional ↩

Part of the 'Sjukdom och olycksfall' add-on. Covers acute care and treatment costs, ambulance transport to the nearest appropriate facility when medically necessary, and prescribed medicines. No fixed SEK ceiling stated; costs must be necessary and reasonable.

Akuta vård- och behandlingskostnader för sjukdom eller olycksfall som inträffat under resan.

[51] Hospitalization: Optional ↩

Part of the 'Sjukdom och olycksfall' add-on. Covers hospital admission, food and associated hospital services during acute illness or accident treatment. No fixed SEK ceiling stated; costs must be necessary and reasonable.

Inläggning på sjukhus, mat och annan tillhörande sjukhusservice.

[52] Outpatient treatment: Optional ↩

Part of the 'Sjukdom och olycksfall' add-on. When treated as an outpatient instead of being hospitalized, food and lodging costs are reimbursed up to 1,500 SEK per insured per day. Physiotherapy or chiropractic treatment for immediate pain relief, without referral, is covered up to 15,000 SEK per insured per trip.

Försäkringen ersätter nödvändiga och skäliga merkostnader för mat och boende om: du kan behandlas som öppenvårdspatient istället för att vara inlagd på sjukhus... Högsta ersättningsbelopp är 1 500 SEK per försäkrad och dag.

[53] Medical evacuation: Optional ↩

Part of the 'Sjukdom och olycksfall' add-on. Covers necessary and reasonable costs for medically arranged transport home to the insured's home address or a hospital in the home country, plus return of left-behind baggage. Transport method (air ambulance, scheduled or chartered flight) is decided by ERGO Försäkring's medical advisers based on medical necessity and safety; must be pre-approved. This is distinct from the base-cover 'Evakuering' benefit which applies to natural disaster/terrorism evacuation (max 15,000 SEK for food/lodging/local transport under that separate peril).

Försäkringen ersätter nödvändiga och skäliga merkostnader för: a) hemtransport till din hemadress eller sjukhus i ditt hemland i Norden b) återsändning av ditt bagage till din hemadress i Norden om du måste lämna det kvar på grund av hemtransport

[54] Repatriation of remains: Optional ↩

Part of the 'Sjukdom och olycksfall' add-on. In the event of death covered under 'Sjukdom och olycksfall', covers necessary and reasonable cremation/burial costs at the destination, capped at the equivalent cost of repatriating the body to the home country; alternatively covers hemtransport of remains to a funeral home including related legal costs.

Vid dödsfall ersätter försäkringen nödvändiga och skäliga begravningskostnader för kremering och / eller begravning på plats om dina anhöriga så önskar. Ersättning lämnas högst för en kostnad som motsvarar nödvändiga och skäliga kostnader för hemtransport av kroppen till hemlandet.

[55] Pre existing conditions: Excluded ↩

Existing medical conditions that have caused symptoms and/or been treated later than two (2) months before the insurance became effective are excluded from the 'Sjukdom och olycksfall' add-on and from related 'Förstörd semester' day-rate benefits.

befintliga medicinska tillstånd som har gett upphov till symptom och / eller har behandlats senare än två (2) månader innan försäkringen började gälla

[56] Winter sports cover: See details ↩

Not separately addressed in the available sources. Ordinary skiing is not listed among the excluded 'extremsport' activities, but a full risk-activity list referenced on the insurer's website is not included in the sources reviewed, so availability cannot be confirmed either way.

[57] Adventure sports cover: Excluded ↩

Extreme sports, motor competitions between two or more participants (except go-karting), mountain climbing, professional sport and related training, and scientific expeditions are all excluded under the general exclusions applicable to the whole policy.

Motortävlingar där två eller flera personer tävlar mot varandra med motorfordon (gäller dock inte Go-kart), extremsporter eller bergsbestigning.

[58] Pregnancy complications: Optional ↩

Part of the 'Sjukdom och olycksfall' add-on. Covers unexpected illness or complications for the mother/fetus arising during pregnancy or delivery, including treatment of a premature baby born before gestational week 37 (36+6). Direct or indirect costs related to normal pregnancy and delivery from week 37 (37+0) onward, including expected delivery assistance and typical complications (e.g. caesarean, induced labor, epidural), are excluded.

Försäkringen gäller för oväntad sjukdom eller komplikationer för modern/fostret som uppstår under graviditet eller förlossning om villkoren enligt denna försäkring i övrigt är uppfyllda. Även behandling av för tidigt fött barn innan graviditetsvecka 37 (36+6) omfattas av försäkringen.

[59] Medical expenses: Covered ↩

Necessary and reasonable costs for medical care, treatment, hospital care and local travel for treatment are covered without a stated maximum amount. For acute illness, costs are covered for up to 60 days from the first doctor visit; for accidental injury, up to 3 years from the date of injury. Reimbursement is capped at what would have been paid had the insured been enrolled with the Swedish Social Insurance Agency (Försäkringskassan), and within the EU/EEA only the portion not covered by law or convention is paid.

[60] Medical transport: Covered ↩

Local travel needed for medical care and treatment during acute illness or an accident is covered as part of medical-expense cover, with no stated maximum amount.

[61] COVID-19 treatment: See details ↩

Not separately named in the reviewed policy documents; general acute-illness cover would apply but COVID-19 is not explicitly mentioned.

[62] Personal liability: SEK 5,000,000 ↩

Liability cover extends to the traveller as a private individual while abroad (during the first 45 days of a trip, and equivalently for the extended Reseförsäkring). Covers up to SEK 5,000,000 per claim, being the total compensation for damages and legal costs regardless of whether the claim concerns personal or property injury. Deductible is SEK 1,800 (SEK 900 with Hemförsäkring Stor).

[63] Emergency dental: SEK 3,000 ↩

Necessary provisional treatment on site for acute toothache is covered up to SEK 3,000. If a tooth is damaged in an accident, further necessary treatment in Sweden within 3 years is also covered; only one final/permanent treatment per injury is reimbursed. Dental damage caused by age-related or disease-related changes, or by neglected maintenance, is excluded.

[64] Search & rescue: See details ↩

Not addressed as a distinct benefit in the reviewed policy documents.

[65] Legal assistance: SEK 300,000 ↩

Legal-expenses cover applies to the insured as a traveller and covers up to SEK 300,000 per dispute (of which up to SEK 40,000 for investigation and witness costs). Deductible is 20% of the cost, minimum SEK 1,800, regardless of home-insurance tier.

[66] Emergency medical treatment: Covered ↩

Necessary and reasonable costs for doctor's visits and treatment prescribed by the physician are covered following acute illness or accidental injury during the trip.

[67] Hospitalization: Conditional ↩

Necessary hospital care costs are covered, but for hospitalization outside the Nordic countries SOS International or Folksam must approve the treatment in advance and an approved care provider must be used; otherwise costs may not be reimbursed.

[68] Outpatient treatment: Covered ↩

Doctor's visits, prescribed treatment and local travel for care are covered for up to 60 days from the first visit for acute illness.

[69] Medical evacuation: Covered ↩

"Hemtransport" (repatriation) is listed as a core benefit of the travel protection. Necessary extra costs of returning home are covered if illness or an accident prevents the insured from returning as planned, and Folksam or SOS International may require the insured to return to Sweden for care if the condition is covered by the insurance; no cap is stated for this extra cost.

[70] Repatriation of remains: Covered ↩

In the event of death, the cost of transporting the deceased to their home town in Sweden is covered in full, along with extra travel costs for insured travelling companions. Alternatively, up to SEK 25,000 can be paid for burial at the location abroad instead of repatriation.

Vid dödsfall betalar vi kostnaden för transport av den avlidne till hemorten i Sverige samt merkostnader för försäkrade medresenärers hemresa. Vid dödsfall utomlands kan vi lämna ersättning på upp till 25 000 kronor för begravning på platsen istället för hemtransport av den avlidne.

[71] Pre existing conditions: Excluded ↩

No compensation is paid if the need for care already existed when the trip started, or if the deterioration is due to the same or similar symptoms for which care or treatment was sought in the 3 months before departure. This exclusion does not apply if a free medical pre-assessment (medicinsk förhandsbedömning) through SOS International has confirmed, based on accurate information, that the cover applies without restriction for that trip.

[72] Winter sports cover: Covered ↩

Recreational winter sports (e.g. skiing, as also referenced under the Resklar add-on) are covered under the normal accident/illness protection. Cover is excluded only for mountain expeditions (climbing, mountaineering, hiking, skiing or similar) conducted or intended above 5,000 metres above sea level, and for professional sport where more than half of the insured's income derives from that sport.

[73] Adventure sports cover: Covered ↩

General adventure/sport activities are covered under the normal accident/illness protection. Cover is excluded only for mountain expeditions (climbing, mountaineering, hiking, skiing or similar) conducted or intended above 5,000 metres above sea level, and for professional sport where more than half of the insured's income derives from that sport.

[74] Pregnancy complications: See details ↩

Not specifically addressed in the reviewed policy documents.

[75] Medical expenses: Unlimited ↩

Necessary and reasonable costs for medical treatment abroad due to acute illness or accident are covered with no monetary ceiling; care costs are covered within 60 days from the first doctor visit, itself falling within the 45-day (Bas/Lagom) or 60-day (Plus) overall travel-cover period.

Reseskyddet gäller vid sjukdom eller olycksfall. Om du skulle behöva sjukvård eller behandling under resan täcker försäkringen vårdkostnaderna för detta, utan beloppsbegränsning.

[76] Medical transport: Covered ↩

If you fall ill or have an accident during the trip, the policy can reimburse costs including care and transport; no specific monetary ceiling for the transport element is stated in the sources reviewed.

Om du blir sjuk eller råkar ut för ett olycksfall under resan kan försäkringen ersätta kostnader för bland annat vård och transporter.

[77] COVID-19 treatment: See details ↩

Not addressed in the sources reviewed.

[78] Personal liability: Covered ↩

The home insurance's liability protection (ansvarsförsäkring) applies worldwide during the first 45/60 days of a trip, as the whole policy's territorial scope extends abroad for that period; no specific travel sub-limit was found in the sources reviewed.

[79] Emergency dental: SEK 5,000 ↩

Acute dental problems requiring temporary treatment, or tooth damage caused by an accident, are reimbursed up to a maximum of 5,000 SEK.

Om du får akuta tandbesvär och behöver tillfällig behandling hos tandläkare eller om du får en tandskada till följd av ett olycksfall, kan du få ersättning med maximalt 5 000 kronor.

[80] Search & rescue: See details ↩

Not addressed in the sources reviewed.

[81] Legal assistance: Covered ↩

The home insurance's legal-expenses protection (rättsskyddsförsäkring) applies worldwide during the first 45/60 days of a trip along with the rest of the policy's extended territorial scope; no specific travel sub-limit was found in the sources reviewed.

[82] Emergency medical treatment: Unlimited ↩

If treatment is needed during the trip due to sudden illness or accident, the policy covers the treatment costs with no upper limit.

Reseskyddet gäller vid sjukdom eller olycksfall. Om du skulle behöva sjukvård eller behandling under resan täcker försäkringen vårdkostnaderna för detta, utan beloppsbegränsning.

[83] Hospitalization: Unlimited ↩

Hospitalization costs from acute illness or accident fall under the uncapped care-cost benefit; additionally, if the ordered rest/hospitalization exceeds more than half of the trip's remaining days, the full trip cost can be reimbursed.

Förutsättningen är att den ordinerade vilan eller sjukhusvistelsen överstiger mer än halva antalet resdagar och att du inte kan utnyttja resan som planerat.

[84] Outpatient treatment: Unlimited ↩

Outpatient medical treatment abroad for acute illness or accident is covered as part of the uncapped care-cost benefit.

Reseskyddet gäller vid sjukdom eller olycksfall. Om du skulle behöva sjukvård eller behandling under resan täcker försäkringen vårdkostnaderna för detta, utan beloppsbegränsning.

[85] Medical evacuation: Covered ↩

Repatriation to Sweden for further treatment is covered when a more serious illness or accident occurs during the trip; no specific monetary ceiling is stated in the sources reviewed.

[86] Repatriation of remains: See details ↩

Not addressed in the sources reviewed.

[87] Pre existing conditions: See details ↩

Not addressed in the sources reviewed.

[88] Winter sports cover: See details ↩

Not addressed in the sources reviewed.

[89] Adventure sports cover: See details ↩

Not addressed in the sources reviewed.

[90] Pregnancy complications: See details ↩

Not addressed in the sources reviewed.

[91] Medical expenses: Covered ↩

Covers necessary and reasonable costs for acute medical care, hospital treatment and medicine in case of acute illness, acute injury or accident; the terms state no fixed monetary ceiling, only that costs must be necessary and reasonable.

Du får ersättning endast för nödvändiga och skäliga kostnader för akut läkarvård, sjukhusvård och medicin samt för behandling och hjälpmedel som behandlande läkare föreskrivit för sjukdomens eller olycksfallsskadans läkning

[92] Medical transport: Covered ↩

Necessary and reasonable costs for local transport (e.g. to doctor, hospital, physiotherapy, dental appointments) are reimbursed; car travel reimbursed at the applicable Swedish mileage rate, no fixed ceiling stated.

Du får ersättning för nödvändiga och skäliga kostnader för lokala resor i samband med ersättningsbara läkarbesök, besök hos sjuksköterska, sjukhusbehandling, samt sjukgymnastik.

[93] COVID-19 treatment: See details ↩

The reviewed terms and conditions (2010.4, Sep 2023) and IPID do not contain an explicit COVID-19 clause; COVID-19 is not listed among the exclusions in E.10, implying it would be handled under the general acute-illness benefit, but this is not explicitly confirmed in the official documents reviewed.

[94] Personal liability: SEK 5,000,000 ↩

Covers claims for damages for personal injury or property damage caused by the insured as a private traveller during the insurance period; maximum compensation is SEK 5,000,000 per claim event, including if multiple losses arise from the same cause at the same time.

Högsta ersättningsbelopp vid varje skadetillfälle är SEK 5 000 000. Det gäller också om flera skador uppkommit av samma orsak och vid samma tillfälle.

[95] Emergency dental: Covered ↩

Necessary and reasonable costs for temporary treatment of acute dental problems and for accident-related dental injury are reimbursed per claim event; reimbursement for acute dental issues is limited to costs within 60 days of the first dentist visit and requires proof of regular dental check-ups every 12-18 months.

Du får ersättning för tillfällig behandling vid akuta tandbesvär. Du skall uppsöka tandläkare på vistelseorten i direkt anslutning till besvärens uppkomst.

[96] Search & rescue: See details ↩

No dedicated search-and-rescue benefit is described in the reviewed terms and conditions or IPID; the policy covers medical transport/evacuation and evacuation due to natural disaster or war-like events, but not a standalone search-and-rescue cost benefit.

[97] Legal assistance: SEK 100,000 ↩

Covers legal costs for disputes as a private traveller that can be tried in a district court (or higher instance), subject to listed exclusions (e.g. criminal matters, disputes related to profession, real estate, motor vehicles). Maximum compensation is SEK 100,000 per dispute; disputes on the same side arising from essentially the same events count as one dispute.

Vid varje tvist betalar vi nödvändiga och skäliga kostnader, dock högst SEK 100 000.

[98] Emergency medical treatment: Covered ↩

Emergency medical care must be sought at the place of stay immediately following the onset of illness, injury or accident; necessary and reasonable costs are reimbursed with no stated monetary cap.

Du skall söka läkare på vistelseorten i direkt anslutning till sjukdomens, skadans eller olycksfallets uppkomst.

[99] Hospitalization: Covered ↩

Necessary and reasonable hospital care costs during acute illness, injury or accident are covered, with treatment/discharge location decisions reserved to Gouda; no fixed ceiling is stated.

Gouda förbehåller sig rätten att besluta om att vård ska ske i Sverige, och ersättning lämnas då för merkostnader i samband med hemresan.

[100] Outpatient treatment: Covered ↩

Outpatient acute medical treatment, prescribed physiotherapy and related care (with referral required for alternative medicine) are reimbursed at necessary and reasonable cost, with no stated ceiling.

För behandling av sjukgymnast, naprapat, kiropraktor, eller annan alternativmedicinsk behandling krävs remiss från legitimerad läkare.

[101] Medical evacuation: Covered ↩

If the treating physician at the destination determines that the traveller must interrupt the trip and return to Sweden for medical reasons, the necessity and mode of travel must be prescribed by the doctor and approved by Gouda Alarm; extra costs for the return are covered without a stated ceiling, provided the return occurs within 60 days (illness/injury) or within 3 years (accident) of the first medical visit/accident.

Bedömer behandlande läkare på vistelseorten att du måste avbryta din vistelse på grund av medicinska skäl och återvända till Sverige betalas ersättning för merkostnader för hemresa. Såväl nödvändigheten av hemresan som färdsättet skall vara föreskrivet av läkaren och godkännas av Gouda Alarm.

[102] Repatriation of remains: Covered ↩

If illness, injury or accident leads to death, repatriation of the deceased to Sweden is covered (Gouda Alarm must always be contacted) with no stated monetary ceiling; as an alternative to repatriation, burial costs at the place of death are covered up to a maximum of SEK 25,000 (burial costs in Sweden are not covered).

I stället för hemtransport kan ersättning lämnas för begravningskostnad på vistelseorten och då med maximal ersättning om SEK 25 000. Ersättning lämnas dock inte för begravningskostnader i Sverige.

[103] Pre existing conditions: Conditional ↩

The insurance does not apply to medical conditions that showed symptoms, were subject to medical care (beyond routine check-up) or changed medication/treatment less than 6 months before the insurance period started. If the insured has a stable pre-existing condition that does not meet this exclusion, sudden and unforeseen deterioration is covered, but only for the extra costs caused by the deterioration and only until the acute phase is over.

Försäkringen gäller inte för medicinska tillstånd som visat symptom, varit föremål för läkarvård (utöver rutinkontroll) eller ändrad medicinering/behandling senare än 6 månader innan försäkringsperioden trätt i kraft.

[104] Winter sports cover: Covered ↩

Winter sports on officially marked tracks/slopes are classified in Group 1 and are covered under normal protection, including full medical, invalidity and death benefits.

Sportaktiviteter som omfattas under det normala skyddet: ... Vintersport (officiellt markerade spår/backar)

[105] Adventure sports cover: Conditional ↩

Activities classified in Group 2 (e.g. American football, bungee jump, skydiving, kite surfing, off-piste with guide) are covered for medical/other benefits but invalidity or death compensation is excluded. Activities classified in Group 3 (e.g. combat sports, extreme diving beyond 30m, off-piste without guide, mountaineering/ice climbing, motorsports) are not covered by the insurance at all.

Sportaktiviteter som omfattas av försäkringen, men med den begränsningen att invaliditets- eller dödsfallsersättning ej utgår. Amerikansk fotboll Backhoppning Bobåkning Bungee jump

[106] Pregnancy complications: Conditional ↩

Unexpected acute childbirth is covered under the medical benefit, including neonatal care for the newborn. Abortion, sterilisation, and fertility treatments/investigations are explicitly excluded. General pregnancy complications beyond unexpected acute delivery are not separately addressed in the reviewed terms.

Vid oförväntad akut förlossning omfattas även neonatalvård för det nyfödda barnet.

[107] Medical expenses: Conditional ↩

Reseskydd Plus itself contains no dedicated medical-expense moment. When the 60-day option is chosen, the home insurance's own travel protection (Reseskydd/Sjuk på resa) is extended to cover days 46-60 of the trip, with amounts following the Villa/Home insurance terms rather than this add-on.

I Reseskydd plus med omfattning 60 dagar förlängs dessutom följande försäkringsmoment från din Villa- eller Hemförsäkring hos Hedvig som vi kategoriserar som Dina saker och Du och din familj, till att även gälla under dag 46-60 av din resa:

[108] Medical transport: See details ↩

Not addressed as a dedicated moment in Reseskydd Plus; the add-on only covers unused travel costs when a doctor orders early return or bed rest.

[109] COVID-19 treatment: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[110] Personal liability: Conditional ↩

Not a dedicated moment of Reseskydd Plus itself; when the 60-day option is chosen, the home insurance's Ansvar (liability) protection is extended to cover days 46-60 of the trip, with amounts per the Villa/Home insurance terms.

Ansvar Rättsskydd Överfallsförsäkring Krisförsäkring Reseskydd alternativt Sjuk på resa Nödsituation ID-skydd (gäller ej Villa- eller Hemförsäkring Bas)

[111] Emergency dental: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[112] Search & rescue: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[113] Legal assistance: Conditional ↩

Not a dedicated moment of Reseskydd Plus itself; when the 60-day option is chosen, the home insurance's Rättsskydd (legal protection) is extended to cover days 46-60 of the trip, with amounts per the Villa/Home insurance terms.

Ansvar Rättsskydd Överfallsförsäkring Krisförsäkring Reseskydd alternativt Sjuk på resa Nödsituation ID-skydd (gäller ej Villa- eller Hemförsäkring Bas)

[114] Emergency medical treatment: Conditional ↩

Not a dedicated moment of Reseskydd Plus; under the 60-day option, the home insurance's Reseskydd/Sjuk på resa extends to days 46-60, with limits per the Villa/Home insurance terms.

I Reseskydd plus med omfattning 60 dagar förlängs dessutom följande försäkringsmoment från din Villa- eller Hemförsäkring hos Hedvig som vi kategoriserar som Dina saker och Du och din familj, till att även gälla under dag 46-60 av din resa:

[115] Hospitalization: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[116] Outpatient treatment: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[117] Medical evacuation: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[118] Repatriation of remains: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[119] Pre existing conditions: Excluded ↩

The insurance does not cover illness or accidents that existed or were known when the trip was booked and/or paid for, unless the health condition acutely and unpredictably deteriorated.

sjukdom som förelegat eller var känd när resan beställdes och/eller slutbetalades. Detta gäller även olycksfall som inträffat redan innan resan beställdes och/eller slutbetalades. Försäkringen gäller dock om hälsotillståndet akut försämrats och detta inte var förutsägbart eller förväntat

[120] Winter sports cover: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[121] Adventure sports cover: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[122] Pregnancy complications: See details ↩

Not addressed in the Reseskydd Plus terms, presale information, or IPID.

[123] Medical expenses: SEK 2,000 ↩

Reimburses only the deductible you paid to your home insurer for illness/accident medical costs, or your own outlay if costs are below that deductible, capped at 2,000 SEK per claim/insured. Primary medical costs above 2,000 SEK must instead be claimed via your home insurance's alarm centre.

Självrisken ersätts med högst 2 000 SEK per skadetillfälle alternativt högst 2 000 SEK per försäkrad för sjukvårdskostnader.

[124] Medical transport: Excluded ↩

The IPID explicitly lists illness, accident or repatriation transport (hemtransport) under 'not included', except for the capped 2,000 SEK deductible-reimbursement benefit; primary transport costs are not covered.

Sjukdom, olycksfall eller hemtransport. Försäkringen ersätter, dock max 2 000 SEK enligt momentet Hemförsäkringens självriskkostnad vid sjukdom och olycksfall.

[125] COVID-19 treatment: Conditional ↩

ICA's travel insurance policies are provided by ERGO Forsikring A/S through Europeiska ERV, and policies that include medical costs cover COVID-19 in the same way as other acute illnesses. However, additional costs linked to COVID-19, such as government-required tests for boarding a flight or entering a country, are not covered by the travel insurance.

Ja, våra försäkringar som innehåller sjukvårdskostnader, gäller för covid-19 precis som för andra akuta sjukdomar.

[126] Personal liability: SEK 10,000,000 ↩

Covers third-party liability claims for personal injury or property damage caused by you during the trip, up to 10,000,000 SEK per claim event (combined limit for personal and property damage together).

Personskada: 10 000 000 SEK per skadehändelse. Sakskada: 10 000 000 SEK per skadehändelse.

[127] Emergency dental: SEK 2,000 ↩

Temporary treatment for acute dental problems is included within the same 2,000 SEK self-risk/outlay cap under Section 6.

Ersättning lämnas för läkar-, sjukhus-, och behandlingskostnader, ordinerade läkemedel, nödvändiga transporter i samband med vård samt kostnader för tillfällig behandling för akuta tandbesvär.

[128] Search & rescue: SEK 100,000 ↩

Covers necessary and reasonable costs for police, civil or military search and/or rescue, up to 100,000 SEK per insured and a maximum of 300,000 SEK per claim event; excludes search/rescue related to kidnapping or hijacking, and requires pre-approval by Europeiska ERV.

Högsta ersättningsbelopp är 100 000 SEK per försäkrad eller högst 300 000 SEK per skadehändelse.

[129] Legal assistance: SEK 100,000 ↩

Covers necessary and reasonable legal costs arising from specific, ongoing disputes during your trip abroad, up to 100,000 SEK per trip, subject to a deductible of 10% of the total claim cost (minimum 2,500 SEK), applied per instance on appeal.

Högsta ersättningsbelopp är 100 000 SEK per resa. Försäkringen gäller med en självrisk på 10 % av den totala skadekostnaden, dock lägst 2 500 SEK.

[130] Emergency medical treatment: SEK 2,000 ↩

Covers doctor/hospital/treatment costs and prescribed medicine only up to the 2,000 SEK deductible-reimbursement cap; the policy is designed to complement home-insurance travel protection, not to be a primary medical policy.

Ersättning lämnas för läkar-, sjukhus-, och behandlingskostnader, ordinerade läkemedel, nödvändiga transporter i samband med vård samt kostnader för tillfällig behandling för akuta tandbesvär.

[131] Hospitalization: SEK 2,000 ↩

Hospital costs fall under the same self-risk/outlay reimbursement benefit, capped at 2,000 SEK per claim; not a standalone hospitalization benefit.

Ersättning lämnas för läkar-, sjukhus-, och behandlingskostnader, ordinerade läkemedel, nödvändiga transporter i samband med vård samt kostnader för tillfällig behandling för akuta tandbesvär.

[132] Outpatient treatment: SEK 2,000 ↩

Outpatient doctor/treatment costs are included in the same 2,000 SEK deductible-reimbursement cap under Section 6.

Ersättning lämnas för läkar-, sjukhus-, och behandlingskostnader, ordinerade läkemedel, nödvändiga transporter i samband med vård samt kostnader för tillfällig behandling för akuta tandbesvär.

[133] Medical evacuation: Excluded ↩

Not covered as a medical benefit; hemtransport is excluded per the IPID except the capped 2,000 SEK item. Note: the policy's separate 'Evakuering' benefit (Section 10) covers evacuation due to natural disaster, terrorism or war, not medically-driven evacuation.

Sjukdom, olycksfall eller hemtransport. Försäkringen ersätter, dock max 2 000 SEK enligt momentet Hemförsäkringens självriskkostnad vid sjukdom och olycksfall.

[134] Repatriation of remains: Excluded ↩

No standalone repatriation-of-remains benefit is stated; hemtransport in general is excluded per the IPID except the capped 2,000 SEK deductible item.

Sjukdom, olycksfall eller hemtransport. Försäkringen ersätter, dock max 2 000 SEK enligt momentet Hemförsäkringens självriskkostnad vid sjukdom och olycksfall.

[135] Pre existing conditions: See details ↩

Not addressed as a standalone benefit; related exclusions appear only under the 'Förstörd semester' (destroyed vacation) benefit (see key conditions).

när symptom visats eller behandlingsbehov funnits de senaste två (2) månaderna före avresan

[136] Winter sports cover: Conditional ↩

Injuries sustained while skiing on marked (piste) slopes are covered by ICA's/Europeiska ERV's travel insurance policies. Off-piste skiing without an authorized guide, however, counts as a risky activity and requires the Extreme Sports/Adventure Sports add-on to be covered. In addition, since 1 January 2022 Italian law requires third-party liability insurance for skiing in Italy.

Ja, ERVs försäkringar omfattar skador som uppkommer när du åker skidor. Om du ska åka offpist utan en auktoriserad guide krävs dock en Extremsportförsäkring.

[137] Adventure sports cover: Excluded ↩

Extreme sports, professional sports and mountaineering are excluded under the general exclusions; the IPID also lists 'extreme or professional sport' as not included.

Extrem- eller professionell sport

[138] Pregnancy complications: Excluded ↩

This benefit does not apply to ICA Semesterresa. Pregnancy complications are treated as illness, and the product's own IPID lists illness, accident and repatriation transport as 'not included', except for the capped 2,000 SEK self-risk reimbursement described under Section 6.

Sjukdom, olycksfall eller hemtransport. Försäkringen ersätter, dock max 2 000 SEK enligt momentet Hemförsäkringens självriskkostnad vid sjukdom och olycksfall.

[139] Medical expenses: Covered ↩

Necessary and reasonable costs for acute medical care, hospital care, treatment, aids and local travel to receive care during the trip, provided a non-conflicted doctor has prescribed it. No fixed maximum amount is stated; reimbursement runs for at most one year from the first doctor visit. In Sweden only public-care costs up to the high-cost protection ceiling are covered. Treatment must be approved by If in advance, and If can require the insured to return to Sweden for further treatment.

Du får ersättning för nödvändiga och skäliga kostnader som du under resan (således inte efter återkomsten till hemorten) har för akut läkarvård, sjukhusvård, behandling, hjälpmedel och lokala resor för vård och behandling – allt under förutsättning att det har föreskrivits av behörig ojävig läkare.

[140] Medical transport: Covered ↩

Local transport needed to receive medical care/treatment during the trip is reimbursed as part of the medical-costs benefit (25 SEK per 10 km if travelling by own car).

Resor med egen bil ersätts med 25 kronor per mil.

[141] COVID-19 treatment: See details ↩

Not specifically named or addressed in the reviewed policy wording, pre-contractual information or product page.

[142] Personal liability: SEK 5,000,000 ↩

General liability cover (compensation for personal injury or property damage caused to others) pays up to 5,000,000 SEK per claim event, but under the base terms liability, legal-expenses and assault cover apply within the Nordic region; a narrower travel-specific extension covers liability for damage to a hotel room or other rented/borrowed accommodation when the trip includes at least two overnight stays.

Personskada 5 000 000 kr per skadetillfälle Sakskada 5 000 000 kr per skadetillfälle

[143] Emergency dental: SEK 5,000 ↩

Up to 5,000 SEK is paid for necessary and temporary treatment on location for acute dental problems or dental injury caused by an accident during the trip.

Vid akuta tandbesvär och vid tandskada till följd av olycksfall får du ersättning – med max 5 000 kronor – för nödvändig och tillfällig behandling på platsen.

[144] Search & rescue: See details ↩

Not addressed as a separate, named benefit in the reviewed policy wording, pre-contractual information or product page.

[145] Legal assistance: SEK 300,000 ↩

Legal costs (lawyer's fees and litigation costs, up to 100 hours of work at the Swedish National Courts Administration's hourly rate) are covered up to 300,000 SEK per dispute, of which up to 30,000 SEK for the insured's own investigation costs and up to 30,000 SEK for witness compensation, less a deductible of 20% of costs (minimum the chosen base deductible). For disputes arising outside the Nordic region, cover applies only if the event occurred while travelling, in your capacity as a traveller.

Vid varje tvist betalar försäkringen ersättning med sammanlagt högst 300 000 kronor, varav högst 30 000 kronor för egna utredningskostnader och 30 000 kronor för vittnesersättning.

[146] Emergency medical treatment: Covered ↩

Emergency treatment for accidents, acute illness or acute dental problems during travel is covered as part of the medical-costs benefit; costs must be necessary, reasonable and prescribed by a doctor, with no stated cap other than the one-year claim window.

Vid akuta tandbesvär och vid tandskada till följd av olycksfall får du ersättning – med max 5 000 kronor – för nödvändig och tillfällig behandling på platsen.

[147] Hospitalization: Covered ↩

Hospital care costs incurred abroad during the trip are covered under the medical-costs benefit without a stated fixed ceiling, subject to necessity, reasonableness and If's prior approval; if hospitalisation exceeds half the planned trip length, a 'replacement trip' benefit up to 40,000 SEK per person (max 120,000 SEK total) can also apply.

Om ditt påbörjade researrangemang avbryts eller inte kan utnyttjas för att du drabbas av akut sjukdom eller olycksfall och – blir intagen på sjukhus mer än halva den planerade restiden* eller ... får du ersättning med vad researrangemanget kostat för dig.

[148] Outpatient treatment: Covered ↩

Outpatient/local care and treatment costs, including local travel to receive care (25 SEK per 10 km by own car), are covered as part of the medical-costs benefit, subject to necessity, reasonableness and prior doctor prescription.

Resor med egen bil ersätts med 25 kronor per mil.

[149] Medical evacuation: Conditional ↩

If you are in an area abroad hit by war, natural disaster or epidemic, necessary and reasonable evacuation costs to Sweden are covered without a stated cap when the Swedish Ministry for Foreign Affairs (UD) recommends that all Swedish citizens leave the area. Cover is capped at 10,000 SEK per person if UD only advises against travel to (not leaving) the area, and capped at 2,000 SEK per person if no such recommendation/advisory exists but If judges evacuation necessary.

ersätter vi nödvändiga och skäliga merkostnader för evakuering till Sverige om förhållandena är sådana att UD rekommenderar alla svenska medborgare att lämna området eller avråder svenska medborgare från att resa dit.

[150] Repatriation of remains: Covered ↩

In the event of death, the cost of transporting the deceased to their home town in Sweden is covered without a stated cap, along with extra travel costs for an insured travel companion's return home. As an alternative to repatriation, burial or cremation costs at the location abroad are covered up to 10,000 SEK.

Vid dödsfall lämnas ersättning för kostnad för transport av den avlidne till hemorten i Sverige samt för merkostnad för medförsäkrad medresenärs hemresa.

[151] Pre existing conditions: Conditional ↩

The insurance does not cover costs related to an illness that existed, was known, or was under investigation when the trip started, nor a health condition for which you had the same or similar symptoms within three months before departure. However, cover applies if the health condition acutely and unexpectedly deteriorates during the trip.

sjukdom som förelegat, var känd eller under utredning när resan startade eller ett olycksfall som inträffade innan resan startade – ett hälsotillstånd för vilket du haft samma eller liknande symptom inom tre månader före avresan.

[152] Winter sports cover: Covered ↩

Ordinary skiing/winter-sports accidents are not among the named exclusions in the terms (which target combat sports, parachuting/paragliding, uncertified diving, motorsport competitions, altitudes of 5,000+ metres, expeditions and sponsored elite sport); winter sports accidents are therefore covered under the standard accident benefit with no separate winter-sports rider, surcharge or sub-limit.

[153] Adventure sports cover: Excluded ↩

The travel protection does not cover illness or accidents arising from: contact combat sports; parachuting, paragliding or hang-gliding; scuba diving without an international diving certificate; participation in motorsport competitions or organised motorsport training; illness or accidents occurring at altitudes of 5,000 metres or higher; expeditions to areas with poor infrastructure, far from hospitals, or with difficult access to care/transport; or sport/athletic activity for which you receive compensation or sponsorship exceeding one income base amount ('prisbasbelopp') per year.

deltagande i kampsport med kroppskontakt – fallskärmshoppning, glid- eller skärmflygning – sportdykning - om du saknar internationellt dykcertifikat – deltagande i tävling eller organiserad träning med motorfordon – för sjukdom eller olycksfall som inträffar i områden som är på 5 000 meters höjd eller högre

[154] Pregnancy complications: See details ↩

Pregnancy and pregnancy-related complications are not specifically addressed in the reviewed policy wording, pre-contractual information or product page.

[155] Medical expenses: Covered ↩

Covers necessary and reasonable costs in connection with acute illness or accidental injury during travel; costs are reimbursed within 60 days from the first doctor visit during the trip. No monetary cap is stated for medical costs, only a time limit.

Kostnader ersätts inom 60 dagar från första läkarbesöket under resan. Vi avgör i samråd med SOS International om vård ska ske på resmålet eller i Sverige.

[156] Medical transport: Covered ↩

Covers costs for travel to a doctor or hospital for care and treatment during the trip. If travelling by own car, reimbursement is SEK 25 per 10 km (mil).

Kostnader som du har under resan utanför hemorten för resor till läkare eller sjukhus för vård och behandling Reser du med egen bil får du ersättning med 25 kronor per mil.

[157] COVID-19 treatment: See details ↩

Not explicitly addressed in the source documents. The policy only generally excludes illness known before departure and grants an exception for acute, unforeseeable worsening of health during the trip, which could in principle cover an unforeseen acute illness, but COVID-19 is not named.

[158] Personal liability: SEK 5,000,000 ↩

Applies when someone not covered by the same policy requires the insured to pay damages for personal or property injury caused during the insurance period; at each claim occasion a maximum of SEK 5,000,000 is paid. As a private-person cover forming part of the same home insurance, it also applies while the insured is travelling.

Vid varje skadetillfälle betalar vi högst 5 000 000 kronor. Detta gäller även om • flera av dem som försäkringen gäller för är skadeståndsskyldiga • flera skador har uppkommit av samma orsak och vid samma tillfälle.

[159] Emergency dental: SEK 5,000 ↩

Covers temporary treatment by a dentist during the trip, up to SEK 5,000, for acute dental problems and dental injury caused by an accident. Only provisional treatment necessary to acutely prevent further dental problems is covered.

Försäkringen gäller för tillfällig behandling hos tandläkare under resan med högst 5 000 kronor vid akuta tandbesvär och vid tandskada till följd av olycksfall.

[160] Search & rescue: See details ↩

Not addressed in the source documents.

[161] Legal assistance: SEK 340,000 ↩

Legal protection can be granted for disputes arising outside the Nordic countries while the insured was travelling, in their capacity as a traveller. Maximum payment per dispute is SEK 340,000, of which at most SEK 40,000 for investigation/witness costs. A deductible of 20% of the costs applies (at least the standard deductible).

Vi betalar vid varje tvist högst 340 000 kronor, varav högst 40 000 kronor för utrednings- och vittneskostnad.

[162] Emergency medical treatment: Covered ↩

Covers costs during the trip for treatment by an impartial and qualified doctor at the destination, hospital care and treatment the doctor prescribes.

Kostnader som du har under resan utanför hemorten för vård utförd av opartisk och behörig läkare på resmålet, sjukhusvård och behandling som läkaren föreskriver.

[163] Hospitalization: Covered ↩

Hospital care and doctor-prescribed treatment at the destination is covered as part of the acute illness/injury cost coverage; no monetary cap stated, only a 60-day time limit from first doctor visit.

Kostnader som du har under resan utanför hemorten för vård utförd av opartisk och behörig läkare på resmålet, sjukhusvård och behandling som läkaren föreskriver.

[164] Outpatient treatment: Covered ↩

Outpatient treatment by an impartial and qualified doctor at the destination is covered under the acute illness/injury benefit; no monetary cap is stated.

Kostnader som du har under resan utanför hemorten för vård utförd av opartisk och behörig läkare på resmålet, sjukhusvård och behandling som läkaren föreskriver.

[165] Medical evacuation: Covered ↩

Covers necessary and reasonable additional costs to return to the home municipality in Sweden by other means than planned, if the insured must return early due to acute illness or accidental injury. Costs and travel method must be approved in advance by SOS International or the insurer. No monetary cap stated.

Nödvändiga och skäliga merkostnader för hemresa om du på grund av akut sjukdom eller olycksfallsskada måste återvända till hemorten i Sverige på annat sätt än som planerat.

[166] Repatriation of remains: Covered ↩

Covers necessary costs to transport a person who dies outside their home area back to their home area in Sweden, including transport costs and additional costs for an accompanying insured family member's return; alternatively the insurer may pay for burial at the destination if cheaper. Costs and method must be pre-approved by SOS International or the insurer. No monetary cap stated.

Försäkringen gäller för kostnader för att vid dödsfall utanför hemorten transportera den avlidne till hemorten i Sverige. Nödvändiga kostnader för transportens genomförande samt merkostnad för medföljande medförsäkrads hemresa ersätts också.

[167] Pre existing conditions: Excluded ↩

Costs due to an illness or accident that existed or was known before the trip started are not covered. Costs due to a health condition for which the insured had the same or similar symptoms within three months before departure are also excluded, unless the health condition worsens acutely during the trip in a way that was not foreseeable or expected before the trip started.

Kostnader som beror på ett olycksfall som inträffat eller sjukdom som fanns eller var känd innan resan startade. Kostnader som beror på ett hälsotillstånd för vilket du haft samma eller liknande symtom inom tre månader före avresan. Försäkringen gäller däremot om ditt hälsotillstånd försämras akut under resan och det inte var förutsägbart eller förväntat innan resan påbörjades.

[168] Winter sports cover: See details ↩

Not addressed in the source documents; skiing/winter sports are not separately mentioned in the travel protection section.

[169] Adventure sports cover: Excluded ↩

For insured persons aged 16 or over, injury arising from participation in boxing or other combat sports involving punches/kicks, competition/training/track driving with motor vehicles, or sport/competition/organized training as a professional athlete is excluded from the travel protection.

Om du fyllt 16 år för skada som uppkommit genom deltagande i: – boxning eller annan kampsport där slag/sparkar eller motsvarande ingår – tävling, träning eller bankörning med motorfordon – sport, idrottstävling eller organiserad träning som professionell idrottsutövare.

[170] Pregnancy complications: See details ↩

Not addressed in the source documents.

[171] Medical expenses: Covered ↩

Covers necessary and reasonable costs for treatment prescribed by an authorized doctor, medically necessary aids, prescribed medicine and local travel for treatment due to acute illness or accident at the destination. Symptoms must arise during the trip and treatment must not be able to wait until return to Sweden.

nödvändig vård och behandling föreskriven av behörig läkare,

[172] Medical transport: Covered ↩

Necessary and reasonable costs for a medically necessary home transport ordered by an authorized doctor at the destination, due to acute illness or accident, are covered. Accompanying family member/travel companion extra costs for their own trip home are capped at 30,000 SEK per person or 100,000 SEK per family/travel group. All costs and cost estimates must be pre-approved by SOS International or Solid Försäkring's claims department.

med högst 30 000 kr per person eller 100 000 kr per familj eller resesällskap.

[173] COVID-19 treatment: See details ↩

COVID-19 is not named in the terms.

vid kroniska sjukdomar/ infektionstillstånd/ psykiska sjukdomar om inte personen varit helt symptomfri/ besvärsfri de senaste sex månaderna räknat från den tidpunkt när resan bokats,

[174] Personal liability: SEK 1,000,000 ↩

Covers liability if the insured, as a private individual, negligently causes personal injury or property damage and becomes liable to pay damages, up to 1,000,000 SEK, with a deductible of 20% (minimum 1,500 SEK). Requires giving Solid Försäkring the opportunity to investigate liability, negotiate, and conduct legal proceedings.

Högsta ersättningsbelopp är 1 000 000 kr. Ansvarsskyddet gäller med en självrisk på 20 %, dock minst 1 500 kr.

[175] Emergency dental: SEK 2,000 ↩

Temporary dentist treatment at the destination for acute dental problems not caused by an accident is reimbursed up to 2,000 SEK.

Tillfällig behandling hos tandläkare på resmålet för akuta tandbesvär, som inte är orsakade av olycksfall, ersätts med högst 2 000 kr.

[176] Search & rescue: See details ↩

Search and rescue costs are not separately addressed in the reviewed Reseförsäkring Bas terms.

[177] Legal assistance: SEK 100,000 ↩

Covers legal costs abroad in connection with disputes or criminal cases the insured, as a private traveller, becomes involved in during the insurance period, up to 100,000 SEK, with a deductible of 20% (minimum 1,500 SEK). Requires prior approval of choice of legal representative.

Ersättning utgår med maximalt 100 000 kr. Rättsskyddet gäller med en självrisk på 20 %, dock minst 1 500 kr.

[178] Emergency medical treatment: Covered ↩

Necessary treatment prescribed by an authorized doctor for acute illness or accident is covered at reasonable cost, provided the doctor is consulted immediately after the illness/accident occurs at the destination.

En förutsättning för att ersättning ska lämnas är att symptomen uppstår under resan och att behandling inte kan vänta till återkomsten till Sverige. Behörig läkare ska uppsökas i direkt anslutning till sjukdomens eller olycksfallets uppkomst på resmålet.

[179] Hospitalization: Covered ↩

Hospitalization abroad due to acute illness or accident is covered as part of necessary and reasonable treatment costs; no separate sub-limit is stated for hospital stays.

[180] Outpatient treatment: Covered ↩

Local travel connected to outpatient treatment and consultations are covered as necessary and reasonable costs following acute illness or accident on the trip.

lokala resor i samband med vård och behandling,

[181] Medical evacuation: Covered ↩

Medically necessary evacuation/transport from the destination, ordered by an authorized doctor, is covered for reasonable and necessary costs, subject to prior approval by SOS International or Solid Försäkring's claims department.

Kostnader för hemresa/hemtransport ska i förväg godkännas av SOS International eller Solid Försäkrings skadeavdelning.

[182] Repatriation of remains: SEK 20,000 ↩

If illness or accident leads to death at the destination, the insurance covers transport of the deceased to their home town in Sweden (necessary and reasonable costs, no stated cap) or, alternatively, costs for burial at the destination up to a maximum of 20,000 SEK.

Ersättning för begravning på resmålet lämnas med högst 20 000 kr.

[183] Pre existing conditions: Excluded ↩

The insurance does not cover care, treatment, travel or other costs that are due to a care need that existed when the trip started or could reasonably have been expected to arise during the trip.

vård-, behandlings-, rese- eller andra kostnader som beror på att vårdbehov förelåg då resan påbörjades eller rimligen kunde förväntas uppstå under resan,

[184] Winter sports cover: See details ↩

Winter sports cover is not addressed as a separate coverage item in the terms; the risky-sports exclusion list names only off-piste skiing as excluded.

offpiståkning,

[185] Adventure sports cover: Excluded ↩

Costs arising from participation in high-risk sports, sport, adventure or expedition-like activity beyond normal exercise are excluded, including examples such as bungee jumping, diving deeper than 30m, free diving, skydiving, unlicensed rafting, hunting, jet-skiing, climbing, martial arts, extreme sailing, motorsports, off-piste skiing, and high-altitude trekking above 2,500m.

bungee jump,

[186] Pregnancy complications: See details ↩

Pregnancy complications are not specifically addressed as a separate coverage item in the reviewed Reseförsäkring Bas terms.

[187] Medical expenses: Covered ↩

Covers necessary and reasonable costs for acute medical care and treatment due to sudden illness or accident during travel. Applies for the first 45 days of each trip worldwide.

Reseskyddet ersätter dig om du eller någon i familjen måste söka läkarvård på grund av sjukdom eller olycksfall på resan.

[188] Medical transport: Covered ↩

Covers transport costs arising from acute illness or accident abroad, coordinated through SOS International. Includes transport to the nearest adequate medical facility.

De är bemannade dygnet runt för att hjälpa dig med de kostnader och de transportbehov som uppstår, till och med om du eller någon annan i familjen behöver transport hem till Sverige för fortsatt vård.

[189] COVID-19 treatment: Covered ↩

COVID-19 illness abroad is treated the same as any other illness under the travel medical coverage. The travel insurance certificate explicitly confirms coverage for illness including COVID-19. Quarantine costs are not covered.

Det är ett bevis på att du har en reseförsäkring som gäller vid sjukdom, inklusive covid-19, och en ansvarsförsäkring.

[190] Personal liability: SEK 5,000,000 ↩

Personal liability (ansvarsskydd) is included in all home insurance policies at Trygg-Hansa and is valid during travel. The travel insurance certificate certifies liability coverage, required in some countries. Specific travel liability limit not publicly stated separately.

Resebeviset intygar också att du har en ansvarsförsäkring, något som krävs när du till exempel åker skidor i Italien.

[191] Emergency dental: Covered ↩

Emergency dental treatment abroad is included as part of the standard travel medical coverage; specific monetary limits are not publicly specified.

Reseskyddet ersätter dig om du eller någon i familjen måste söka läkarvård på grund av sjukdom eller olycksfall på resan.

[192] Search & rescue: See details ↩

Search and rescue costs are not mentioned as a covered benefit in Trygg-Hansa's travel insurance within the home insurance policy; no evidence of explicit inclusion found.

[193] Legal assistance: SEK 200,000 ↩

Legal protection (rättsskydd) is included as part of the home insurance policy and covers legal disputes during travel. Deductible for legal protection is 20% of costs, minimum the standard deductible.

[194] Emergency medical treatment: Covered ↩

Covers emergency medical treatment costs abroad due to sudden illness or accident. SOS International must be contacted in the first instance when outside Sweden.

Om du befinner dig på resa utanför Sverige och har råkat ut för en akut sjukdom eller ett olycksfall ska du i första hand kontakta vårt assistansbolag SOS International.

[195] Hospitalization: Covered ↩

Hospitalization costs abroad due to acute illness or accident are covered as part of the necessary and reasonable medical expense coverage. Exact monetary limit not specified in public sources.

[196] Outpatient treatment: Covered ↩

Outpatient medical visits abroad due to acute illness or accident are covered as part of the necessary and reasonable medical expense coverage. Digital healthcare providers accepted for minor conditions.

Vid sjukdomar som kräver mindre behandling, till exempel förkylning och magsjuka, godkänner vi att du har haft kontakt med en digital vårdgivare.

[197] Medical evacuation: Covered ↩

Covers transport home to Sweden for continued medical care if the condition is life-threatening or treatment is not available at the destination. Managed through SOS International, available 24/7.

till och med om du eller någon annan i familjen behöver transport hem till Sverige för fortsatt vård.

[198] Repatriation of remains: Covered ↩

Repatriation of remains is covered as part of the travel medical coverage in the home insurance; specific monetary limits not publicly stated.

[199] Pre existing conditions: Conditional ↩

Pre-existing or chronic conditions are not covered by default. Coverage may be obtained if a free medical pre-assessment (medicinsk förhandsbedömning) is completed with SOS International before departure.

Genom hemförsäkringen kan du få en kostnadsfri medicinsk förhandsbedömning av SOS International innan du reser utomlands.

[200] Winter sports cover: Covered ↩

Standard winter sports such as skiing are covered; the travel insurance certificate confirms personal liability coverage which is required in some countries (e.g. Italy) for skiing. Extreme sports are not covered.

Resebeviset intygar också att du har en ansvarsförsäkring, något som krävs när du till exempel åker skidor i Italien.

[201] Adventure sports cover: Excluded ↩

Risk-intensive and extreme sports activities are explicitly not covered by the standard travel insurance. A separate travel insurance that includes extreme sports must be purchased.

[202] Pregnancy complications: Conditional ↩

Trygg-Hansa's travel insurance applies for pregnant travellers abroad; the insurer also offers a dedicated pregnancy insurance (gravidförsäkring) valid abroad. Acute pregnancy complications may be covered as acute illness; standard pregnancy care is not covered.

Vår gravidförsäkring gäller även när du befinner dig utomlands.