Dina Travel insurance (Forlangd Reseforsakring)

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.

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.

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.

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.

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.

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.

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.

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.

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

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

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.

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.

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.

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.

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.

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.