Gouda Travel insurance (Reseforsakring Vuxen)

Covers necessary and reasonable costs for acute medical care, hospital treatment and medicine in case of acute illness, acute injury or accident; the terms state no fixed monetary ceiling, only that costs must be necessary and reasonable.

Emergency medical care must be sought at the place of stay immediately following the onset of illness, injury or accident; necessary and reasonable costs are reimbursed with no stated monetary cap.

Necessary and reasonable hospital care costs during acute illness, injury or accident are covered, with treatment/discharge location decisions reserved to Gouda; no fixed ceiling is stated.

Outpatient acute medical treatment, prescribed physiotherapy and related care (with referral required for alternative medicine) are reimbursed at necessary and reasonable cost, with no stated ceiling.

Necessary and reasonable costs for temporary treatment of acute dental problems and for accident-related dental injury are reimbursed per claim event; reimbursement for acute dental issues is limited to costs within 60 days of the first dentist visit and requires proof of regular dental check-ups every 12-18 months.

Necessary and reasonable costs for local transport (e.g. to doctor, hospital, physiotherapy, dental appointments) are reimbursed; car travel reimbursed at the applicable Swedish mileage rate, no fixed ceiling stated.

If the treating physician at the destination determines that the traveller must interrupt the trip and return to Sweden for medical reasons, the necessity and mode of travel must be prescribed by the doctor and approved by Gouda Alarm; extra costs for the return are covered without a stated ceiling, provided the return occurs within 60 days (illness/injury) or within 3 years (accident) of the first medical visit/accident.

If illness, injury or accident leads to death, repatriation of the deceased to Sweden is covered (Gouda Alarm must always be contacted) with no stated monetary ceiling; as an alternative to repatriation, burial costs at the place of death are covered up to a maximum of SEK 25,000 (burial costs in Sweden are not covered).

No dedicated search-and-rescue benefit is described in the reviewed terms and conditions or IPID; the policy covers medical transport/evacuation and evacuation due to natural disaster or war-like events, but not a standalone search-and-rescue cost benefit.

The reviewed terms and conditions (2010.4, Sep 2023) and IPID do not contain an explicit COVID-19 clause; COVID-19 is not listed among the exclusions in E.10, implying it would be handled under the general acute-illness benefit, but this is not explicitly confirmed in the official documents reviewed.

The insurance does not apply to medical conditions that showed symptoms, were subject to medical care (beyond routine check-up) or changed medication/treatment less than 6 months before the insurance period started. If the insured has a stable pre-existing condition that does not meet this exclusion, sudden and unforeseen deterioration is covered, but only for the extra costs caused by the deterioration and only until the acute phase is over.

Winter sports on officially marked tracks/slopes are classified in Group 1 and are covered under normal protection, including full medical, invalidity and death benefits.

Activities classified in Group 2 (e.g. American football, bungee jump, skydiving, kite surfing, off-piste with guide) are covered for medical/other benefits but invalidity or death compensation is excluded. Activities classified in Group 3 (e.g. combat sports, extreme diving beyond 30m, off-piste without guide, mountaineering/ice climbing, motorsports) are not covered by the insurance at all.

Unexpected acute childbirth is covered under the medical benefit, including neonatal care for the newborn. Abortion, sterilisation, and fertility treatments/investigations are explicitly excluded. General pregnancy complications beyond unexpected acute delivery are not separately addressed in the reviewed terms.

Covers claims for damages for personal injury or property damage caused by the insured as a private traveller during the insurance period; maximum compensation is SEK 5,000,000 per claim event, including if multiple losses arise from the same cause at the same time.

Covers legal costs for disputes as a private traveller that can be tried in a district court (or higher instance), subject to listed exclusions (e.g. criminal matters, disputes related to profession, real estate, motor vehicles). Maximum compensation is SEK 100,000 per dispute; disputes on the same side arising from essentially the same events count as one dispute.