Solid Försäkring Travel insurance (Reseforsakring Bas)

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.

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 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.

Local travel connected to outpatient treatment and consultations are covered as necessary and reasonable costs following acute illness or accident on the trip.

Temporary dentist treatment at the destination for acute dental problems not caused by an accident is reimbursed up to 2,000 SEK.

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.

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.

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 costs are not separately addressed in the reviewed Reseförsäkring Bas terms.

COVID-19 is not named in the terms.

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 is not addressed as a separate coverage item in the terms; the risky-sports exclusion list names only off-piste skiing as 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 are not specifically addressed as a separate coverage item in the reviewed Reseförsäkring Bas terms.

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.

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.