If Skadeförsäkring AB (publ)
If
If is a travel insurance for the Sweden market with online purchase and limited assistance availability.
Direct payment
The terms do not describe a cashless/direct-billing arrangement with care providers. The insured must contact If in advance to get costs approved before treatment, transport home, evacuation or a relative's visit is arranged; If also has the right to decide which care provider is used and can require the insured to return to Sweden for further treatment.
Geographic scope
Included as a travel-protection component of If's Nordic home insurance (Hemförsäkring); the traveller must be covered by a valid If home insurance policy.
Worldwide cover during the first 45 days of a private trip, extendable by phone in advance to a total of up to one year away. Ansvar, rättsskydd (legal expenses) and överfallsskydd (assault) are, under the base terms, geographically limited to the Nordic region, with narrower travel-specific extensions (e.g. hotel-room damage, disputes arising while travelling). Cover does not apply to a country or area the Swedish Ministry for Foreign Affairs (UD) advises against travelling to.
Unique selling points
- Travel protection worth up to 45 days is automatically included in every If home insurance policy — no separate travel insurance purchase is needed.
- Cover applies to an unlimited number of trips per year, and family members can travel separately at the same time under the same policy.
- The travel protection also covers children travelling alone, for example on a school ski trip or with a friend's family.
- The standard 45-day worldwide travel cover can be extended by phone in advance to last for a total of up to one year away.
- If's home-insurance customers can call for help with urgent matters at any time, even in the middle of the night.
Coverage limits
Medical expenses
Covered
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 medical treatment
Covered
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.
Hospitalization
Covered
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 treatment
Covered
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.
Emergency dental treatment
SEK 5,000
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 medical transport
Covered
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).
Medical/emergency evacuation
Conditional
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.
Repatriation of remains
Covered
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.
Search and rescue
No limit stated
Not addressed as a separate, named benefit in the reviewed policy wording, pre-contractual information or product page.
COVID-19 treatment
No limit stated
Not specifically named or addressed in the reviewed policy wording, pre-contractual information or product page.
Pre-existing conditions
Conditional
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.
Winter sports cover
Covered
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.
Adventure/extreme sports cover
Excluded
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 complications
No limit stated
Pregnancy and pregnancy-related complications are not specifically addressed in the reviewed policy wording, pre-contractual information or product page.
Personal liability
SEK 5,000,000
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 assistance
SEK 300,000
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.
24/7 assistance
No limit stated
No source specific to the travel protection benefit explicitly confirms round-the-clock (24/7) telephone assistance; If's general home-insurance marketing states you can call 'even in the middle of the night' if something urgent happens, but this is not stated as a formal 24/7 service level for this specific benefit.
Key conditions
Assistance call deadline
The terms do not set a fixed hour-of-day deadline for contacting assistance, but treatment by a doctor, transport home, evacuation, and a relative's visit to a seriously ill insured person must all be approved by If in advance of incurring the cost.
Unauthorized treatment
The terms do not set out a specific percentage penalty for unapproved travel-medical costs, but general safety-requirement and duty-of-disclosure rules mean that if you fail to obtain If's prior approval where required, or fail to provide requested claim information, compensation can be reduced by a special deduction or refused.
Purchase while abroad
Travel cover requires that you have had a valid home insurance policy in force for the whole trip; the trip is deemed to start when you leave home. This means the travel protection cannot be newly purchased or activated once you are already abroad on a trip that started before the policy existed.
Chronic conditions
Chronic or serious pre-existing illness is covered only if it acutely and unexpectedly deteriorates during the trip; costs related to a chronic condition that was known, under investigation, or symptomatic within three months before departure are excluded.
Pregnancy
The reviewed terms and pre-contractual information do not contain any specific provision addressing pregnancy or pregnancy-related complications during travel.
Pre-existing condition exclusions
Costs are excluded if they relate to an illness/injury that existed, was known, or was under investigation before the trip started, or to a health condition with the same or similar symptoms within the three months before departure — unless the condition acutely and unexpectedly worsens during the trip.
Coverage duration limit
Standard travel cover applies for the first 45 days of each private trip. It can be extended by calling If in advance so that cover lasts for the whole holiday, up to a total of one year away; the exact extension procedure and any waiting period are not detailed in the reviewed policy wording.
Policy specifics
Cancellation protection
Available only in Stor hemförsäkring (large home insurance), not in base or Extra tiers
SourceDuration limit
Base coverage covers 45 days; can be extended up to 1 year with separate request
SourceMinistry of Foreign Affairs warning exclusion
Coverage does not apply if Swedish Ministry of Foreign Affairs advises against travel to destination
SourceDeductible/Excess
1,800 SEK per claim event; can vary if higher deductible chosen for home insurance
SourcePrior authorization requirement
Insured must contact travel assistance and obtain approval before incurring repatriation or emergency transport costs
SourceBusiness trip exclusion
Travel coverage does not apply for business trips; only private leisure travel is covered
SourceChronic illness limitation
Coverage for chronic or serious pre-existing illness applies only if acute unforeseen deterioration occurs during travel
Source