Gjensidige Forsikring ASA, Norway, Swedish Branch
Gjensidige
Gjensidige is a travel insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
Gjensidige's travel cover (via the household/home insurance travel protection, serviced by the Gouda/SOS International 24-hour alarm centre) primarily works on a direct-settlement basis for medical emergencies: the policyholder is instructed to contact the alarm centre before seeking care, and the alarm centre can issue a payment/cost guarantee directly to the hospital or clinic so the insured does not need to pay out of pocket. For minor or non-emergency costs (e.g. medicines, smaller treatments) the customer typically pays first and submits receipts for reimbursement afterwards via a claim.
Geographic scope
Worldwide during leisure trips (home insurance itself applies within the Nordics)
Travel protection applies worldwide for the first 45 days of a trip (Bas/Lagom) or 60 days (Plus), counted from the departure date from the policyholder's home municipality in Sweden.
Unique selling points
- Reseskydd Plus is top-ranked by the Swedish Consumers' Insurance Bureau (Konsumenternas Försäkringsbyrå).
- Medical treatment costs abroad due to acute illness or accident are covered with no upper monetary limit.
- Upgrading to Hemförsäkring Plus extends worldwide travel cover from 45 to 60 days and adds trip-cancellation and delay protection.
- A 24/7 alarm central assists policyholders who fall ill or are injured anywhere in the world.
- Pre-booked activity costs (e.g. greenfee, ski pass) are reimbursed on illness or injury, even covering a parent's missed activity if their child under 12 falls sick.
Coverage limits
Medical expenses (acute illness/injury)
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.
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.
Hospitalization abroad
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.
Outpatient treatment abroad
unlimited
Outpatient medical treatment abroad for acute illness or accident is covered as part of the uncapped care-cost benefit.
Emergency dental treatment
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.
Medical transport during trip
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.
Medical evacuation / repatriation for treatment
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.
Personal liability abroad
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.
Legal assistance abroad
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.
24/7 alarm central assistance
Covered
A round-the-clock alarm central assists policyholders who become ill or have an accident while traveling; contact details are provided on the utlandsresekort (foreign travel card).
Key conditions
Purchase while abroad
Travel cover is a built-in part of the home insurance and its duration is counted from the departure date from the policyholder's home municipality in Sweden; the home insurance must already be in force before the trip begins.
Coverage duration limit
Travel protection applies for the first 45 days of a trip under Hemförsäkring Bas or Lagom, or 60 days under Hemförsäkring Plus, counted from the departure date from the home municipality in Sweden; for longer trips a separate policy via Gouda Reseförsäkring is needed.
Where to buy
Policy specifics
Travel coverage duration limit
Travel coverage is limited to 45 days for basic home insurance or 60 days for Plus plan
SourceSource no longer reachableMedical expenses during travel
Coverage for acute illness or injury during travel, including care costs and transport
SourceSource no longer reachableExtended trip protection (Plus plan only)
Extended coverage available through Plus plan includes cancellation protection (avbeställningsskydd)
SourceSource no longer reachableEmergency dental treatment
Coverage for acute dental problems or tooth damage from accident during travel, max 5,000 SEK
SourceSource no longer reachableTravel delay compensation
500 SEK per day if public transport is delayed 6+ hours, max 10 days (5,000 SEK total)
SourceSource no longer reachableBaggage delay compensation
750 SEK per bag per day if baggage is delayed 6+ hours on outbound journey
SourceSource no longer reachableGeographic scope of coverage
Coverage applies worldwide for holiday/leisure travel from departure point in Sweden
Source24/7 alarm central support
Round-the-clock medical assistance and emergency support while traveling
SourceSource no longer reachablePre-booked activity cancellation
Reimbursement for pre-booked physical activities (golf, skiing, tours) if cancelled due to acute illness/injury during travel
SourceSource no longer reachableMissed connection coverage
Max 1,000 SEK reimbursement if arriving late to transport connection due to sudden unforeseen event during travel
SourceCrisis evacuation coverage
Coverage for reasonable emergency return to Sweden if travel must be interrupted due to war, natural disaster, or terrorist action
SourceSources
- https://www.gjensidige.se/
- https://www.gjensidige.se/privat/hemforsakring/byta-hemforsakring
- https://www.gjensidige.se/privat/reseforsakring
- https://www.gjensidige.se/privat/villaforsakring
- https://www.gjensidiges.se/privat/artiklar/darfor-hemforsakring-reseskydd
- https://www.gjensidiges.se/privat/hemforsakring/fragor-och-svar-hemforsakringSource no longer reachable
- https://www.gjensidiges.se/privat/reseforsakringSource no longer reachable
- https://www.gjensidiges.se/privat/reseforsakring/moment-reseforsakring