Folksam Travel insurance (Reseforsakring)

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.

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.

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.

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

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.

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.

"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.

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.

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

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

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.

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.

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.

Not specifically addressed in the reviewed policy documents.

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).

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.