Dina Försäkring AB
Dina
Dina is a travel insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
Costs are generally reimbursed against receipts and required documentation (e.g. police report, purchase receipts, medical certificates); for medical care abroad, SOS International must approve the choice of care provider, change of provider, or repatriation in advance, and can coordinate arrangements with the treating facility.
Geographic scope
Specific geographic area stated in the insurance certificate (not automatically worldwide for the extended period)
Valid within the area stated in the insurance certificate; does not apply if travelling to a country/area the Swedish Ministry for Foreign Affairs (UD) advises against travelling to; cover is only valid for persons resident in Sweden for damage occurring outside Sweden.
Unique selling points
- Lets you extend your home-insurance travel cover for trips lasting up to 365 days, well beyond the standard 45-day period.
- Includes personal liability cover of up to 5,000,000 SEK while travelling as a private individual.
- 24/7 medical and travel assistance coordinated through SOS International.
- Legal expenses cover of up to 400,000 SEK per dispute for conflicts arising outside Sweden while travelling.
- Assault protection of up to 1,000,000 SEK if you are the victim of violence while travelling.
Coverage limits
Medical expenses
Covered
No limit stated
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.
Emergency medical treatment
Covered
No limit 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.
Hospitalization
Covered
No limit 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.
Outpatient treatment
Covered
No limit stated
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.
Emergency dental treatment
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.
Medical transport
Covered
No limit stated
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.
Medical evacuation / repatriation while alive
Covered
No limit 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.
Repatriation of remains
Covered
No limit stated
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.
Search and rescue
No limit stated
Not addressed as a distinct benefit in the reviewed policy documents.
COVID-19 treatment
No limit stated
Not separately addressed; the documents only mention epidemics in the context of the catastrophe/evacuation benefit, not as a specific illness-treatment benefit.
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.
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.
Adventure / high-risk 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.
Pregnancy complications
No limit stated
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.
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.
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.
24/7 assistance
Covered
SOS International provides around-the-clock assistance for medical questions, approval of care providers/home transport, and help with lost passports or driving licences; contactable 24/7 on +46 770 16 02 02 or sos@sos.eu.
Key conditions
Assistance call deadline
Emergency medical treatment abroad, any change of care provider and any repatriation must be pre-approved by Dina or SOS International; travel due to a catastrophe/evacuation must likewise be pre-approved.
Unauthorized treatment
If SOS International's doctor assesses that you should change care provider or return to Sweden and you choose to stay abroad anyway, the sickness/accident cost cover and the trip-interruption cover no longer apply to you.
Purchase while abroad
The extended travel insurance must be paid before the standard 45-day travel cover included in the home insurance expires; if payment is missed, the extended cover cannot be reinstated, meaning it cannot be arranged once you are already left uninsured abroad.
Chronic conditions
If you have sought care within three months of departure, or have an ongoing illness, a medical pre-assessment is advised/required so that cover for care abroad is not jeopardised; deterioration of the same or similar symptoms treated in that period is excluded.
Pregnancy
Not specifically addressed in the reviewed documents; pregnancy-related illness would generally be assessed under the general acute-illness rules, including the exclusion for care needs existing before the trip.
Pre-existing condition exclusions
Costs due to a care need (including palliative care) that already existed before the trip started, or due to deterioration of the same/similar symptoms treated in the three months before departure, are excluded.
Coverage duration limit
The extension can be taken out for a total trip duration of up to 365 days, replacing/continuing the home insurance's initial 45-day travel cover. Within that period, medical-cost reimbursement is capped at 60 days from the first doctor visit, and trip-interruption compensation is limited to 45 days; a brief return home of less than 30 days with intent to return to the same destination does not restart a new period.
Policy specifics
Trip interruption / trip cancellation
Reimbursement for unused prepaid travel costs if trip is cancelled or interrupted due to covered reasons
SourceEmergency repatriation
Coverage for emergency transport home if unable to travel as planned due to illness or injury
SourceLost travel documents
Assistance and potential compensation if passport or driver's license is lost
SourceGeographic validity
Travel insurance applies worldwide for standard coverage; extended coverage limited to specific geographic areas
SourceTravel to warned territories
Insurance does not cover travel to countries/regions warned against by Swedish Foreign Ministry
SourceAssistance network requirement
Medical assistance and emergency services coordinated through SOS International
SourcePre-existing condition medical assessment
Medical pre-assessment required if recent medical care or ongoing illness exists
SourceShort home visit exception
Brief return home (less than 30 days) to same destination does not reset coverage period
Source