Länsförsäkringar AB
Länsförsäkringar
Länsförsäkringar is a travel insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
The insured generally pays medical costs abroad and later claims reimbursement; costs are settled within 60 days of the first doctor visit. Early return home, hemtransport of the deceased, and related transport costs and methods must be approved in advance by SOS International or the insurer.
Geographic scope
Worldwide during the first 45 days of a trip; Nordic countries otherwise
The policy applies in the Nordic countries. On a trip it also applies worldwide during the first 45 days counted from the day of departure from the home municipality in Sweden. If not permanently resident and registered in Sweden, the policy applies only to events occurring in Sweden.
Unique selling points
- Worldwide travel medical protection is included automatically in the home insurance for the first 45 days of any trip, at no extra cost.
- Children under 18 travelling with the policyholder are covered even if they are not registered at the same home address.
- Several travel benefits, including trip-start protection, connection costs, and trip interruption, apply with no deductible at all.
- Personal liability cover of up to SEK 5,000,000 per claim carries over to incidents that occur while travelling.
- Legal expenses cover of up to SEK 340,000 also applies to disputes that arise while the policyholder is travelling as a tourist.
Coverage limits
Medical expenses for acute illness and injury
Covered
Only in J.2 Kostnader i samband med akut sjukdom och olycksfallsskada
Covers necessary and reasonable costs in connection with acute illness or accidental injury during travel; costs are reimbursed within 60 days from the first doctor visit during the trip. No monetary cap is stated for medical costs, only a time limit.
Emergency treatment by a doctor at the destination
Covered
Only in J.2.2 Kostnader för vård och resor till vård
Covers costs during the trip for treatment by an impartial and qualified doctor at the destination, hospital care and treatment the doctor prescribes.
Hospital care
Covered
Only in J.2.2 Kostnader för vård och resor till vård
Hospital care and doctor-prescribed treatment at the destination is covered as part of the acute illness/injury cost coverage; no monetary cap stated, only a 60-day time limit from first doctor visit.
Outpatient treatment
Covered
Only in J.2.2 Kostnader för vård och resor till vård
Outpatient treatment by an impartial and qualified doctor at the destination is covered under the acute illness/injury benefit; no monetary cap is stated.
Emergency dental care
SEK 5,000
Only in J.2.3 Kostnader för tandvård
Covers temporary treatment by a dentist during the trip, up to SEK 5,000, for acute dental problems and dental injury caused by an accident. Only provisional treatment necessary to acutely prevent further dental problems is covered.
Transport to and from care
Covered
Only in J.2.2 Kostnader för vård och resor till vård
Covers costs for travel to a doctor or hospital for care and treatment during the trip. If travelling by own car, reimbursement is SEK 25 per 10 km (mil).
Additional costs for early return home due to illness/injury
Covered
Only in J.2.6 Merkostnader
Covers necessary and reasonable additional costs to return to the home municipality in Sweden by other means than planned, if the insured must return early due to acute illness or accidental injury. Costs and travel method must be approved in advance by SOS International or the insurer. No monetary cap stated.
Transport of the deceased home
Covered
Only in J.2.4 Kostnader för hemtransport av avliden
Covers necessary costs to transport a person who dies outside their home area back to their home area in Sweden, including transport costs and additional costs for an accompanying insured family member's return; alternatively the insurer may pay for burial at the destination if cheaper. Costs and method must be pre-approved by SOS International or the insurer. No monetary cap stated.
COVID-19 treatment
No limit stated
Not explicitly addressed in the source documents. The policy only generally excludes illness known before departure and grants an exception for acute, unforeseeable worsening of health during the trip, which could in principle cover an unforeseen acute illness, but COVID-19 is not named.
Pre-existing conditions
Excluded
Costs due to an illness or accident that existed or was known before the trip started are not covered. Costs due to a health condition for which the insured had the same or similar symptoms within three months before departure are also excluded, unless the health condition worsens acutely during the trip in a way that was not foreseeable or expected before the trip started.
Winter sports cover
No limit stated
Not addressed in the source documents; skiing/winter sports are not separately mentioned in the travel protection section.
Adventure / high-risk sports cover
Excluded
For insured persons aged 16 or over, injury arising from participation in boxing or other combat sports involving punches/kicks, competition/training/track driving with motor vehicles, or sport/competition/organized training as a professional athlete is excluded from the travel protection.
Personal liability
SEK 5,000,000
Only in G.7 Högsta ersättningsbelopp
Applies when someone not covered by the same policy requires the insured to pay damages for personal or property injury caused during the insurance period; at each claim occasion a maximum of SEK 5,000,000 is paid. As a private-person cover forming part of the same home insurance, it also applies while the insured is travelling.
Legal expenses cover
SEK 340,000
Only in H.1.2 Var försäkringen gäller, H.5.2 Högsta ersättningsbelopp, H.5.1 Självrisk
Legal protection can be granted for disputes arising outside the Nordic countries while the insured was travelling, in their capacity as a traveller. Maximum payment per dispute is SEK 340,000, of which at most SEK 40,000 for investigation/witness costs. A deductible of 20% of the costs applies (at least the standard deductible).
Travel assistance coordination (SOS International)
Covered
Only in J.2.2 Kostnader för vård och resor till vård, J.5.1 Akut sjukdom eller olycksfallsskada, J.6.1 Försäkringen gäller
SOS International (jointly with the insurer) coordinates and must pre-approve decisions on where care is given, early return home, hemtransport of the deceased, transport of nearby relatives, and additional cost claims throughout the travel protection section. The Villkor does not use the exact phrase 'round-the-clock' for this section specifically (it does for the separate identity-theft telephone assistance in F.7), but the assistance function operates throughout the claims process described in J.2, J.5 and J.6.
Key conditions
Assistance call deadline
Early return home, medical transport method, hemtransport of the deceased, and additional-cost claims must be approved in advance by SOS International or the insurer; there is no single fixed 'call within X hours' deadline stated, but pre-approval is required before travel arrangements are made.
Unauthorized treatment
If the insured must travel home for care or treatment without following the required procedure, the cost of the return journey to the place where the trip was interrupted is not reimbursed.
Purchase while abroad
Not addressed in the source documents; this travel protection is bundled within an existing home insurance policy and is not marketed as a standalone product purchasable while already abroad.
Chronic conditions
Costs due to a health condition for which the insured had the same or similar symptoms within three months before departure are excluded, unless the condition worsens acutely and unforeseeably during the trip.
Pregnancy
Not addressed in the source documents.
Pre-existing condition exclusions
Costs due to an illness or accident that existed or was known before the trip started are not covered.
Coverage duration limit
Worldwide travel cover applies only for the first 45 days of the trip, counted from the day of departure from the insured's home municipality in Sweden. A shorter visit home of less than 30 days, where the intention is to return to the same destination, does not restart the 45-day period. Worldwide cover also requires the insured to be permanently resident and registered in Sweden; otherwise cover is limited to Sweden.
Policy specifics
Acute illness and injury medical expenses
Covers necessary and reasonable costs for care and transport due to acute illness or injury during travel
SourceSource no longer reachableAcute dental care
Covers costs for dental care during acute dental problems while traveling
SourceSource no longer reachableTheft of money and valuables
Covers theft of cash and valuable documents during travel
SourceSource no longer reachableCatastrophe-related return home
Covers emergency return home costs due to natural disaster, terrorism, or war requiring immediate return
SourceSource no longer reachableTrip interruption due to acute illness
Covers interruption of travel due to acute illness or injury during the trip, or serious events at home
SourceCoverage window: 45 days maximum
Travel protection covers only the first 45 days of travel from departure from home municipality in Sweden
SourceGeographic scope: Worldwide for travel; Nordic region for other coverage
Travel protection applies worldwide; Nordic coverage otherwise. Acute care section only applies in Nordic region for non-travel purposes
SourcePre-existing illness exclusion
Costs due to illness or accident that existed or was known before the trip started are not covered
SourceClause J.2.1Page 21Section: J Skydd när du reser > J.2 Kostnader i samband med akut sjukdom och olycksfallsskada > J.2.1 Omfattning
Kostnader som beror på ett olycksfall som inträffat eller sjukdom som fanns eller var känd innan resan startade.
Claims handling via SOS International
Acute illness and injury claims are coordinated with SOS International; pre-approval required for early repatriation; policyholder usually pays and applies for reimbursement
SourceClause J.2.2Page 21Section: J Skydd när du reser > J.2 Kostnader i samband med akut sjukdom och olycksfallsskada > J.2.2 Kostnader för vård och resor till vård
Vi avgör i samråd med SOS International om vård ska ske på resmålet eller i Sverige. […] Hemresa i förtid ska i förväg godkännas av SOS International eller av oss.
Automatic coverage for children under 18
Children under 18 who accompany the policy holder on the trip are automatically covered, even if not registered at the same address
SourceClause J.1.2Page 20Section: J Skydd när du reser > J.1 Allmänt > J.1.2 Vem försäkringen gäller för
Försäkringen gäller, förutom för de personer som anges i avsnittet A Var och för vilka försäkringen gäller, även för dina barn under 18 år som inte bor hos dig men som följer med på resan.
Medical documentation requirement
Written medical certificate from first day of illness or injury is required for reimbursement eligibility
SourceClause J.5.1Page 23Section: J Skydd när du reser > J.5 Reseavbrott > J.5.1 Akut sjukdom eller olycksfallsskada
För att du ska ha rätt till ersättning krävs ett läkarintyg utfärdat av opartisk och behörig läkare på resmålet. […] Som första sjukdag räknas dagen för första läkarbesöket.
Deductible varies by coverage type
Basic travel shield in home insurance has deductible; expanded coverage has no deductible; specific deductible applies to legal protection (20%)
SourceSource no longer reachable