Solid Försäkringsaktiebolag (publ)
Solid Försäkring
Solid Försäkring is a travel insurance for the Sweden market with online purchase and 24/7 assistance.
Direct payment
Costs for medical transport/repatriation and other assistance services must be pre-approved in advance by SOS International or Solid Försäkring's claims department to qualify for reimbursement; no explicit cashless/direct-billing arrangement with care providers is stated in the terms.
Geographic scope
Travel with departure from the Nordic region (Sweden, Norway, Finland, Denmark)
The geographic scope follows the insurance certificate/booking confirmation; the insurance does not apply to travel to countries or areas the Swedish Ministry for Foreign Affairs or the WHO advises against travelling to.
Starting price
SEK 200
Indicative — pricing assumptions not stated
Unique selling points
- No deductible on Reseförsäkring Plus, with fast round-the-clock claims assistance.
- Reimburses the deductible on your home, car and rental car insurance if you have an accident while travelling.
- If the damage is below your home insurance deductible, Solid compensates you from the very first krona.
- Covers costs to help you catch up with your trip if something sudden and unforeseen forces you to fall behind schedule.
- Annual cancellation protection covers all your trips for a whole year, so you avoid buying new cancellation cover every time you book.
Coverage limits
Medical treatment costs
Covered
Covers necessary and reasonable costs for treatment prescribed by an authorized doctor, medically necessary aids, prescribed medicine and local travel for treatment due to acute illness or accident at the destination. Symptoms must arise during the trip and treatment must not be able to wait until return to Sweden.
Emergency medical treatment
Covered
Necessary treatment prescribed by an authorized doctor for acute illness or accident is covered at reasonable cost, provided the doctor is consulted immediately after the illness/accident occurs at the destination.
Hospitalization costs
Covered
Hospitalization abroad due to acute illness or accident is covered as part of necessary and reasonable treatment costs; no separate sub-limit is stated for hospital stays.
Outpatient treatment
Covered
Local travel connected to outpatient treatment and consultations are covered as necessary and reasonable costs following acute illness or accident on the trip.
Emergency dental treatment
SEK 2,000
Temporary dentist treatment at the destination for acute dental problems not caused by an accident is reimbursed up to 2,000 SEK.
Medical transport home
Covered
Necessary and reasonable costs for a medically necessary home transport ordered by an authorized doctor at the destination, due to acute illness or accident, are covered. Accompanying family member/travel companion extra costs for their own trip home are capped at 30,000 SEK per person or 100,000 SEK per family/travel group. All costs and cost estimates must be pre-approved by SOS International or Solid Försäkring's claims department.
Medical evacuation
Covered
Medically necessary evacuation/transport from the destination, ordered by an authorized doctor, is covered for reasonable and necessary costs, subject to prior approval by SOS International or Solid Försäkring's claims department.
Repatriation of remains / burial at destination
SEK 20,000
If illness or accident leads to death at the destination, the insurance covers transport of the deceased to their home town in Sweden (necessary and reasonable costs, no stated cap) or, alternatively, costs for burial at the destination up to a maximum of 20,000 SEK.
Search and rescue
No limit stated
Search and rescue costs are not separately addressed in the reviewed Reseförsäkring Bas terms.
COVID-19 treatment
No limit stated
COVID-19 is not explicitly named in the terms; general acute illness cover and infection-condition exclusions (requiring six months symptom-free prior to booking) would apply as with other infections.
Pre-existing conditions
Excluded
The insurance does not cover care, treatment, travel or other costs that are due to a care need that existed when the trip started or could reasonably have been expected to arise during the trip.
Winter sports cover
No limit stated
Not addressed as a distinct coverage line; only off-piste skiing/riding is explicitly excluded from the risky-sports exclusion list, implying ordinary on-piste skiing is not specifically excluded but is also not separately confirmed as covered.
Adventure/high-risk sports cover
Excluded
Costs arising from participation in high-risk sports, sport, adventure or expedition-like activity beyond normal exercise are excluded, including examples such as bungee jumping, diving deeper than 30m, free diving, skydiving, unlicensed rafting, hunting, jet-skiing, climbing, martial arts, extreme sailing, motorsports, off-piste skiing, and high-altitude trekking above 2,500m.
Pregnancy complications
No limit stated
Pregnancy complications are not specifically addressed as a separate coverage item in the reviewed Reseförsäkring Bas terms.
Personal liability protection
SEK 1,000,000
Covers liability if the insured, as a private individual, negligently causes personal injury or property damage and becomes liable to pay damages, up to 1,000,000 SEK, with a deductible of 20% (minimum 1,500 SEK). Requires giving Solid Försäkring the opportunity to investigate liability, negotiate, and conduct legal proceedings.
Legal protection abroad
SEK 100,000
Covers legal costs abroad in connection with disputes or criminal cases the insured, as a private traveller, becomes involved in during the insurance period, up to 100,000 SEK, with a deductible of 20% (minimum 1,500 SEK). Requires prior approval of choice of legal representative.
24/7 emergency assistance
Covered
SOS International provides round-the-clock emergency assistance by telephone (+46 42 623 66 60) for acute care needs and guidance; costs for assistance services must be pre-approved.
Key conditions
Assistance call deadline
An authorized doctor must be consulted immediately following the onset of the illness or accident at the destination, and all treatment costs and cost estimates must be pre-approved by SOS International or Solid Försäkring's claims department.
Unauthorized treatment
Costs for home transport, medical evacuation and other assistance services must be approved in advance by SOS International or Solid Försäkring's claims department; failure to obtain pre-approval can result in reduced or no reimbursement.
Purchase while abroad
The insurance cannot be taken out after the insured has already started the trip; however, an already existing insurance can be extended.
Chronic conditions
Chronic illnesses, infections and psychiatric conditions are excluded unless the insured has been completely free of symptoms for the six months preceding the time the trip was booked.
Pregnancy
Pregnancy is not specifically addressed as a separate condition in the reviewed Reseförsäkring Bas terms; the general pre-existing/foreseeable-need exclusion would apply if a pregnancy-related care need existed before or could reasonably be expected during the trip.
Pre-existing condition exclusions
Costs are excluded if the need for care existed when the trip began or could reasonably have been expected to arise during the trip.
Coverage duration limit
The insurance can be taken out for trips of a maximum of 365 days from the insurance start date; the validity period can be extended by up to 10 days if the insured is forced to remain at the destination due to a compensable event under sickness/accident, liability, or legal protection sections.
Where to buy
Policy specifics
Emergency medical transport and repatriation
Coverage for necessary and reasonable costs for emergency transport of the injured or deceased, with explicit approval requirement from SOS International or Solid's claims department
SourceAcute illness coverage
Coverage for costs of acute illness (defined as sudden serious deterioration of health not constituting an accident) with Nordic exclusion - does NOT cover treatment costs incurred at destinations in the Nordic region
SourceTrip delay compensation
Reimbursement for reasonable costs related to trip delays caused by unforeseen and preventable events
SourceBaggage delay coverage
Compensation for necessary and reasonable costs when baggage is delayed during travel
Source24-hour assistance service
Access to SOS International emergency assistance service available 24/7 for urgent medical help and guidance
SourceGeographic coverage restrictions
Insurance does not apply to travel to countries or regions where the Swedish Ministry of Foreign Affairs (Utrikesdepartementet) or World Health Organization advises against travel
SourceNordic residency requirement
Insurance only applies to persons registered and residing in the Nordic region
SourceDeductible structure
Bas variant: 1,000 SEK general deductible; 20% deductible (min 1,500 SEK) for legal protection and liability coverage
SourcePre-existing conditions exclusion
Insurance does not cover care or treatment costs that depended on existing healthcare needs when travel started or that could reasonably be expected to arise during travel
SourcePre-approval requirement for high-cost assistance
Costs for emergency medical transport/repatriation and assistance services must be pre-approved by SOS International or Solid's claims department to ensure full reimbursement
SourceChronic illness limitation
Coverage excludes care and treatment costs for chronic illnesses during travel
Source