Folksam
Folksam is a travel insurance for the SE market with no online purchase and 24/7 assistance.
Direct payment
SOS International acts as the assistance company; for hospitalization or major medical interventions outside the Nordic countries, SOS International must be contacted in advance for approval. Costs for treatment not approved or not carried out at recommended care providers may not be covered. For EU-country medical costs the insured should first contact the Swedish Social Insurance Agency (Försäkringskassan).
Geographic scope
SE
Europe, North America, or Rest of World (as chosen and stated on the insurance certificate); does not apply in countries/areas where the Swedish Foreign Ministry (UD) advises against travel at any warning level
Unique selling points
- Adventure activities and sports such as skiing and diving are covered with no additional premium — mountain expeditions above 5,000 m are the only explicit exclusion.
- Personal liability coverage reaches up to SEK 5,000,000 per claim, covering both personal injury and property damage including legal costs.
- Round-the-clock emergency assistance through SOS International (+46 8 136 060) with access to a quality-assured 'Hitta sjukvård utomlands' digital service for finding recommended care providers abroad.
- Travel insurance is included in all Folksam home insurance tiers (Bas, Mellan, Stor) covering all household members registered at the same address — Sweden's most popular home insurer by market share (Svensk Försäkring 2025).
- Free medical pre-assessment service (förhandsbedömning) available before departure to help chronically ill or recently treated travelers confirm if their coverage applies in full.
Coverage limits
Medical expenses abroad
Covered
Covers necessary and reasonable costs for accidental injury or acute illness during travel. Treatment must be at approved care providers; SOS International approval required for hospitalization or major medical interventions outside the Nordic countries. No upper monetary limit is stated in the IPID; the policy covers necessary and reasonable costs.
SourceEmergency medical treatment
Covered
Covers necessary and reasonable costs for emergency treatment of acute illness or accidental injury abroad. At life-threatening conditions, emergency services (112 in Europe) should be contacted immediately. SOS International (+46 8 136 060) must be contacted for approval before extensive treatment.
SourceHospitalization
Covered
Hospitalization costs are covered as part of medical expenses for necessary and reasonable care. Prior approval from SOS International is required before admission. If hospitalized or ordered bed rest by a doctor, compensation for unused travel costs may also be provided.
SourceOutpatient treatment
Covered
Covers necessary and reasonable costs for outpatient medical care for acute illness or accidental injury abroad. Use of the 'Hitta sjukvård utomlands' digital service is recommended to find quality-assured care providers. Using non-recommended providers may result in partial cost liability for the insured.
SourceEmergency dental treatment
Covered
Covers necessary and reasonable costs for temporary dental treatment in the event of acute toothache, up to a maximum of SEK 3,000. Limited to acute temporary treatment only; routine or planned dental work is not covered. Extra costs for dental damage caused by age-related or pathological changes or neglected maintenance are excluded.
SourceMedical transport / Repatriation
Covered
Covers costs for repatriation or change of travel return date and accommodation when medically necessary. Changes must be approved in advance by Folksam or SOS International. Companion return travel costs are also covered when the insured is hospitalized or repatriated.
SourceMedical evacuation
Covered
Covers necessary evacuation costs when medically required, including ambulance transport. If in an acute crisis area, necessary and reasonable evacuation costs up to SEK 10,000 per insured are covered for immediate return home. Prior approval from SOS International required.
SourceRepatriation of remains
Covered
In the event of death abroad, covers the cost of transporting the deceased to the home location in Sweden, plus additional travel costs for insured fellow travelers. Alternatively, a burial at the place of death abroad can be covered up to SEK 25,000 instead of repatriation.
SourceSearch and rescue
Excluded
Search and rescue costs are not explicitly covered as a standalone benefit in this product. Mountain expeditions above 5,000 meters are explicitly excluded.
SourceCOVID-19 treatment
Conditional
COVID-19 is not explicitly mentioned as a covered or excluded condition in the product sources. As an acute illness, it would generally be covered under the standard medical expense coverage for acute illness, provided the condition arose unexpectedly during the trip and was not a pre-existing condition sought for treatment within the three months prior to departure.
SourcePre-existing conditions
Conditional
Pre-existing conditions are generally not covered. No compensation is paid if deterioration of health is due to the same or similar symptoms for which treatment was sought in the three months before departure, or if a care need already existed at the start of the trip. Chronically ill persons or those recently treated may need a medical pre-assessment (förhandsbedömning) before travel to determine if the insurance applies.
SourceWinter sports cover
Covered
The policy is valid for adventure activities and sports such as skiing. Mountain expeditions above 5,000 meters above sea level are excluded.
SourceAdventure sports cover
Covered
The policy is valid for adventure activities and sports such as skiing and diving. Mountain expeditions above 5,000 meters above sea level are excluded. Damage that occurs in connection with a started mountain expedition above 5,000 meters is not covered. Work-related injuries are also excluded.
SourcePregnancy complications
Conditional
Pregnancy complications are not explicitly addressed in the product sources. As unexpected acute medical events, acute pregnancy complications could be covered under general medical expense cover, subject to the standard exclusion that no care need existed at the start of the trip and no treatment was sought for the same condition within three months before departure.
SourcePersonal liability insurance
Covered
Covers up to SEK 5,000,000 per claim, representing the total compensation for damages and legal costs regardless of whether the damage is personal injury or property damage. Not valid for damages related to work/profession or use of a motorized vehicle or watercraft.
SourceLegal assistance (rättsskydd)
Covered
Covers legal assistance costs up to SEK 300,000. The deductible for legal protection is 20% of the cost, minimum SEK 1,800.
Source24/7 assistance
Covered
SOS International provides round-the-clock emergency assistance reachable at +46 8 136 060. The alarm center is open 24 hours a day. At life-threatening conditions, emergency services (112 in Europe) should be contacted immediately.
SourceKey conditions
Assistance call deadline
For travel outside the Nordic countries, SOS International (+46 8 136 060) must be contacted for approval before hospitalization, major medical interventions (e.g. X-ray, admission to hospital, or continued investigation after an acute doctor visit). At life-threatening conditions, emergency services (112 in Europe) must be contacted immediately first.
Unauthorized treatment
If treatment is not carried out by one of Folksam's recommended care providers, approved by SOS International or Folksam, the costs may not be covered or reimbursed, or the insured may be required to bear part of the cost if it exceeds the approved amount.
Purchase while abroad
The extended travel insurance (for trips exceeding 45 days) must be taken out and paid before the first 45 days abroad have passed. It is not possible to extend the insurance after the first 45 days have elapsed. The standard travel insurance included in the home insurance cannot be purchased while already abroad.
Chronic conditions
Chronically ill persons, or those currently being treated or recently treated for a disease or injury, may need to carry out a medical pre-assessment (förhandsbedömning) before traveling abroad to verify whether the insurance will apply fully. If the insurance does not apply fully, the insured may be responsible for their own medical costs.
Pregnancy
Pregnancy is not specifically mentioned in the product sources. Acute and unexpected pregnancy complications arising during the trip may be covered under general acute illness cover, provided no care need for the same condition existed at departure and no treatment was sought in the three months before departure.
pre_existing_conditions
No compensation is paid if: a care need already existed at the start of the trip; deterioration in health is due to the same or similar symptoms for which treatment was sought in the three months before departure; or care is needed abroad for an illness or accident that occurred in Sweden. A free medical pre-assessment service is available at folksam.se/forhandsbedomning.
coverage_duration_limit
The travel insurance (as part of home insurance) covers the first 45 days of a trip. For trips longer than 45 days, an extended travel insurance must be purchased and paid before the first 45 days abroad have elapsed. The extended insurance covers from day 46 onwards and must be arranged in advance; it cannot be added retroactively.
Where to buy
Documents
Faktablad för försäkringsprodukten – Reseförsäkring (S4590 26-01)
ipid
Resebevis / Travel Insurance Certificate (S40332 25-10)
other
Försäkringsvillkor Hem och villa (S2940 26-01) – gäller från 1 januari 2026
terms_and_conditions
Reseförsäkring – borta längre än 45 dagar (produktsida)
other
Policy specifics
Medical expenses abroad
Covers necessary and reasonable costs for accidental injury or acute illness during travel
Temporary dental treatment
Covers necessary and reasonable temporary dental treatment costs for acute toothache
Repatriation
Covers costs for repatriation or change of travel return date and accommodation
SOS International approval requirement
Hospitalization or major medical interventions require prior approval from SOS International assistance company
Excluded destinations
Insurance does not apply in countries or areas where Swedish Foreign Ministry advises against travel
Deductible per claim
Travel insurance deductible applies per claim event for travel protection
Medical documentation requirements
Doctor certificate must include patient name, diagnosis, symptoms, treatment period, prescriptions, accident date/symptom onset, and prior similar illness history