If
If is a travel insurance for the SE market with online purchase and 24/7 assistance.
Direct payment
If's emergency assistance line (+46 8 121 88 000) must be contacted in advance for acute medical situations. Medical treatment by a doctor must be pre-approved by If. If cannot cover advance costs at the point of care, the insured can contact the assistance line before incurring costs.
Geographic scope
SE
Worldwide for the first 45 days of each private trip departing from Sweden; extendable up to 1 year. Not valid in areas where the Swedish Ministry of Foreign Affairs (UD) advises against travel.
Unique selling points
- Travel protection covers all household members registered at the insured address for an unlimited number of trips per year, each up to 45 days, anywhere in the world.
- 24/7 emergency travel assistance line (+46 8 121 88 000) handles acute medical situations, hospitalization and medical evacuation coordination at no extra cost.
- Travel protection is extendable beyond the standard 45 days up to a maximum of 1 year total, providing long-stay coverage unavailable with typical standalone trip policies.
- Stor hemförsäkring tier includes zero-deductible travel medical coverage combined with cancellation, replacement trip and delay benefits in one annual home insurance premium.
- Stor hemförsäkring is independently rated top-three by Konsumenternas.se in their comparison of Swedish home insurances, reflecting above-market-average coverage breadth.
Coverage limits
Medical expenses during travel
Covered
Covers necessary and reasonable costs for acute medical care, hospital care, treatment, aids and local transport for care and treatment during travel abroad (not after return to home location), as prescribed by a licensed impartial physician. In Sweden, only costs within public healthcare up to the applicable high-cost ceiling are covered. Coverage period is maximum 1 year from first doctor visit. Does not cover illness or injury with symptoms known before departure, or conditions for which similar symptoms occurred within 3 months before travel.
Emergency medical treatment
Covered
Covers acute medical treatment prescribed by a licensed impartial physician during travel, including hospital care and treatment. Covers acute dental complaints and dental injury from accident up to SEK 5,000 for necessary and temporary treatment on site. Treatment must be pre-approved by If. If's medical staff may always require return to Sweden for treatment.
Hospitalization
Covered
Hospitalization costs during travel abroad are covered as part of the medical expenses benefit under clause 11.1, provided the treatment is necessary, reasonable and prescribed by a licensed impartial physician. Coverage runs up to 1 year from the first physician visit. No separate sub-limit stated for hospitalization; covered within the general medical expenses framework.
Outpatient treatment
Covered
Outpatient medical care, including doctor visits, treatment and aids, is covered as part of the medical expenses benefit under clause 11.1 when medically necessary and prescribed by a licensed impartial physician. No separate sub-limit for outpatient treatment; covered within the general medical expenses framework.
Emergency dental treatment
Covered
Covers necessary and temporary emergency dental treatment at the travel destination for acute dental complaints and dental injury caused by an accident, up to a maximum of SEK 5,000.
Medical transport and repatriation
Covered
Covers necessary and reasonable additional costs for repatriation (home journey) or continuing the journey if a licensed impartial physician certifies that the insured or travel companion must travel home at a different time or in a different manner than planned, or must not continue a pre-booked journey. Transport must be pre-approved by If. Costs for returning to the point where travel was interrupted are not covered. Also covers additional accommodation costs if the physician prescribes a change of planned accommodation, up to 60 days from first doctor visit.
Medical evacuation
Covered
Covers necessary and reasonable costs for up to two relatives to travel from Sweden to the insured's location and return, including additional accommodation costs, if the insured suffers an accident or illness abroad and a licensed impartial physician assesses the condition as life-threatening. Travel must be pre-approved by If. Additionally, covers emergency evacuation costs if the insured is in an area abroad where war, natural disaster or epidemic breaks out and UD recommends all Swedish citizens to leave or advises against travel.
Repatriation of remains
Covered
In the event of death during travel, covers the cost of transporting the deceased to the home location in Sweden, as well as additional travel costs for an insured travel companion's return journey. As an alternative to repatriation, covers costs for burial or cremation at the location abroad up to SEK 10,000.
Search and rescue
Excluded
Search and rescue costs are not explicitly covered in the If Hemförsäkring travel protection. The policy covers emergency evacuation under clause 11.8 only in specific scenarios (war, natural disaster, epidemic) where UD has issued travel warnings, but does not explicitly cover general search and rescue operations.
COVID-19 treatment
Conditional
COVID-19 is not explicitly mentioned in the policy. However, acute illness arising from COVID-19 during travel would be covered under the general medical expenses provisions of clause 11.1, provided the condition is acute, was not symptomatic or under investigation before departure, and no similar symptoms occurred within 3 months prior to travel.
Pre-existing conditions
Conditional
Pre-existing conditions are generally not covered. The policy does not cover costs related to illness that existed, was known or under investigation when the trip started, or a health condition for which the insured had the same or similar symptoms within 3 months before departure. However, the policy does cover if a pre-existing or chronic condition acutely worsens during travel in a way that was not foreseeable or expected.
Winter sports coverage
Conditional
Winter sports injuries are not explicitly excluded from medical coverage under the standard travel protection. Injuries during ordinary skiing or snowboarding would generally be covered as accidents under clause 11. However, participation in combat sports with body contact, skydiving, gliding, motorized vehicle racing or training is excluded. Coverage applies as long as the insured is not receiving compensation or sponsorship exceeding one price base amount per year.
Adventure sports coverage
Excluded
The policy explicitly excludes illness or accident arising from: participation in combat sports with body contact; skydiving, hang gliding or paragliding; scuba diving without an international diving certificate; participation in motorized vehicle racing or organized training; illness or accident occurring at altitudes of 5,000 meters or higher; participation in sport or athletics if the insured receives compensation or sponsorship exceeding one price base amount per year. Expeditions (specially risky trips to areas with poor infrastructure, far from hospitals) are also excluded.
Pregnancy complications
Conditional
The policy does not explicitly address pregnancy. Normal pregnancy is not classified as an acute illness. However, acute and unforeseen complications of pregnancy during travel that were not symptomatic or under investigation before departure may be covered under the general acute illness provisions of clause 11.1. Planned medical needs, routine check-ups or complications from planned procedures are not covered.
Personal liability
Covered
The liability insurance covers the insured when a third party demands compensation for personal injury or property damage caused by the insured. Covers legal investigation, negotiation, representation in court and payment of damages. Maximum coverage is SEK 5,000,000 per claim event for personal injury and SEK 5,000,000 per claim event for property damage. Applies to private persons only, not in connection with professional activities. Also applies during travel abroad.
Legal assistance (legal protection)
Covered
Covers legal counsel and court costs in certain civil disputes that cannot be recovered from the opposing party, up to SEK 300,000 per dispute (of which SEK 30,000 for own investigation costs and SEK 30,000 for witness fees). Attorney fees covered for reasonable time up to 100 hours at the court rate set by the Swedish National Courts Administration. Deductible of 20% of costs applies, minimum the chosen base deductible. Applies during travel abroad for disputes arising from events occurring during travel in capacity as traveler.
24/7 emergency travel assistance
Covered
If provides a 24/7 emergency travel assistance line at +46 8 121 88 000 for acute medical situations, serious injury, hospitalization, follow-up visits, or when the insured cannot pay costs upfront. Also accessible through the If app (HelpMe) which provides contact information to the assistance service. Non-urgent guidance can be obtained by calling +46 771 655 655.
Key conditions
Assistance call deadline
In acute medical situations, the insured must contact If's travel assistance service (+46 8 121 88 000) in advance before incurring costs. Medical treatment by a doctor must be pre-approved by If. If's medical staff has the right to require the insured to return to Sweden for treatment. If the insured cannot cover costs upfront, the assistance line should be contacted before costs are incurred.
Unauthorized treatment
Costs for medical treatment that have not been pre-approved by If may not be covered. The policy states that treatment by a doctor must be pre-approved by If in advance and that If has the right to determine which healthcare provider the insured shall use.
Purchase while abroad
The travel protection is integrated into If's Hemförsäkring (home insurance) and cannot be purchased as a standalone policy or extended from abroad after day 45 without incurring a 7-day waiting period. Extension of the travel protection beyond 45 days (up to a maximum of 1 year total) must be arranged before day 45 of the trip by calling If. If the extension is requested after day 45, a 7-day waiting period applies.
Chronic conditions
Chronic diseases are generally not covered unless there is an acute, unforeseen deterioration during travel that was not foreseeable or expected. The policy does not cover costs related to a health condition for which the insured had the same or similar symptoms within 3 months prior to departure. Customers with chronic conditions are advised to contact If before booking travel.
Pregnancy
Normal pregnancy is not classified as an acute illness and is therefore not covered as such. Acute and unforeseen complications of pregnancy that arise during travel and were not symptomatic or under investigation before departure may be covered under the general acute illness provisions. Planned medical needs and routine check-ups related to pregnancy are not covered.
pre_existing_conditions
Pre-existing conditions are generally not covered. The policy excludes costs related to illness that existed, was known or under investigation when the trip started, and conditions for which the insured had the same or similar symptoms within 3 months before departure. An exception applies if the pre-existing condition acutely deteriorates during travel in a manner that was not foreseeable or expected.
coverage_duration_limit
The standard travel protection covers the first 45 days of each private trip abroad (or any trip with at least two overnight stays), counted from the day the insured leaves the insured home address. Short visits to the home location of less than 30 days, with the intention to return to the same destination, do not start a new 45-day period. The travel protection can be extended up to a maximum of 1 year total; the extension must be arranged before day 45. If extended after day 45, a 7-day waiting period applies.
Where to buy
Policy specifics
Medical expenses during travel
Coverage for necessary and reasonable medical costs incurred due to acute illness or injury during travel abroad
Emergency medical evacuation and repatriation
Coverage for transport to Sweden or nearest suitable medical facility if assessment by doctor deems necessary
Trip cancellation due to acute illness or accident
Coverage for non-refundable prepaid travel costs if forced to cancel due to acute medical condition
Travel protection duration
Standard travel protection covers 45 days globally; can be extended up to 1 year total
Deductible for travel medical claims
Standard deductible is 1,800 SEK per claim event for travel protection
Acute medical condition requirement
Coverage applies only to acute and sudden illnesses or injuries that occur during travel, not pre-existing or chronic conditions unless acute deterioration occurs
Geographical restriction - Swedish Ministry of Foreign Affairs travel warnings
Travel protection does not apply to areas where Swedish Ministry of Foreign Affairs (UD) has issued a travel warning
Pre-authorization requirement for medical treatment
Emergency assistance service must be contacted first for acute medical situations; approval required before incurring expenses
Household eligibility for coverage
Travel protection covers policy holder and household members living at same address and registered as residents