If Travel insurance (Hemforsakring Reseskydd)

Necessary and reasonable costs for acute medical care, hospital care, treatment, aids and local travel to receive care during the trip, provided a non-conflicted doctor has prescribed it. No fixed maximum amount is stated; reimbursement runs for at most one year from the first doctor visit. In Sweden only public-care costs up to the high-cost protection ceiling are covered. Treatment must be approved by If in advance, and If can require the insured to return to Sweden for further treatment.

Emergency treatment for accidents, acute illness or acute dental problems during travel is covered as part of the medical-costs benefit; costs must be necessary, reasonable and prescribed by a doctor, with no stated cap other than the one-year claim window.

Hospital care costs incurred abroad during the trip are covered under the medical-costs benefit without a stated fixed ceiling, subject to necessity, reasonableness and If's prior approval; if hospitalisation exceeds half the planned trip length, a 'replacement trip' benefit up to 40,000 SEK per person (max 120,000 SEK total) can also apply.

Outpatient/local care and treatment costs, including local travel to receive care (25 SEK per 10 km by own car), are covered as part of the medical-costs benefit, subject to necessity, reasonableness and prior doctor prescription.

Up to 5,000 SEK is paid for necessary and temporary treatment on location for acute dental problems or dental injury caused by an accident during the trip.

Local transport needed to receive medical care/treatment during the trip is reimbursed as part of the medical-costs benefit (25 SEK per 10 km if travelling by own car).

If you are in an area abroad hit by war, natural disaster or epidemic, necessary and reasonable evacuation costs to Sweden are covered without a stated cap when the Swedish Ministry for Foreign Affairs (UD) recommends that all Swedish citizens leave the area. Cover is capped at 10,000 SEK per person if UD only advises against travel to (not leaving) the area, and capped at 2,000 SEK per person if no such recommendation/advisory exists but If judges evacuation necessary.

In the event of death, the cost of transporting the deceased to their home town in Sweden is covered without a stated cap, along with extra travel costs for an insured travel companion's return home. As an alternative to repatriation, burial or cremation costs at the location abroad are covered up to 10,000 SEK.

Not addressed as a separate, named benefit in the reviewed policy wording, pre-contractual information or product page.

Not specifically named or addressed in the reviewed policy wording, pre-contractual information or product page.

The insurance does not cover costs related to an illness that existed, was known, or was under investigation when the trip started, nor a health condition for which you had the same or similar symptoms within three months before departure. However, cover applies if the health condition acutely and unexpectedly deteriorates during the trip.

Ordinary skiing/winter-sports accidents are not among the named exclusions in the terms (which target combat sports, parachuting/paragliding, uncertified diving, motorsport competitions, altitudes of 5,000+ metres, expeditions and sponsored elite sport); winter sports accidents are therefore covered under the standard accident benefit with no separate winter-sports rider, surcharge or sub-limit.

The travel protection does not cover illness or accidents arising from: contact combat sports; parachuting, paragliding or hang-gliding; scuba diving without an international diving certificate; participation in motorsport competitions or organised motorsport training; illness or accidents occurring at altitudes of 5,000 metres or higher; expeditions to areas with poor infrastructure, far from hospitals, or with difficult access to care/transport; or sport/athletic activity for which you receive compensation or sponsorship exceeding one income base amount ('prisbasbelopp') per year.

Pregnancy and pregnancy-related complications are not specifically addressed in the reviewed policy wording, pre-contractual information or product page.

General liability cover (compensation for personal injury or property damage caused to others) pays up to 5,000,000 SEK per claim event, but under the base terms liability, legal-expenses and assault cover apply within the Nordic region; a narrower travel-specific extension covers liability for damage to a hotel room or other rented/borrowed accommodation when the trip includes at least two overnight stays.

Legal costs (lawyer's fees and litigation costs, up to 100 hours of work at the Swedish National Courts Administration's hourly rate) are covered up to 300,000 SEK per dispute, of which up to 30,000 SEK for the insured's own investigation costs and up to 30,000 SEK for witness compensation, less a deductible of 20% of costs (minimum the chosen base deductible). For disputes arising outside the Nordic region, cover applies only if the event occurred while travelling, in your capacity as a traveller.