Trygg-Hansa
Trygg-Hansa is a travel insurance for the SE market with online purchase and 24/7 assistance.
Direct payment
In the event of acute illness or accident abroad, the insured must first contact SOS International (available 24/7), who will assist with costs and transport needs, including repatriation to Sweden. SOS International coordinates and approves medical care and transport; treatment not approved in advance may result in reduced or denied compensation.
Geographic scope
SE
Worldwide; excludes countries for which the Swedish Ministry of Foreign Affairs (Utrikesdepartementet) advises against travel, and countries subject to international sanctions.
Unique selling points
- Travel insurance is automatically included in all Trygg-Hansa home insurance packages (bas, mellan, stor) with no separate purchase required.
- Only one deductible applies per claim event even when multiple family members on the same policy are affected simultaneously.
- Around-the-clock emergency medical assistance via SOS International, including direct coordination of hospitalisation, medical transport, and repatriation to Sweden.
- Free medical pre-assessment service through SOS International available before departure, enabling travellers with pre-existing conditions to obtain clarification on their coverage.
- Travel cover is extendable beyond the standard 45 days up to 365 days via a supplementary extended travel protection (förlängt reseskydd), available by contacting customer service.
Coverage limits
Medical expenses
Covered
Covers necessary and reasonable costs for acute medical care and treatment due to sudden illness or accident during travel. Applies for the first 45 days of each trip worldwide.
Emergency medical treatment
Covered
Covers emergency medical treatment costs abroad due to sudden illness or accident. SOS International must be contacted in the first instance when outside Sweden.
Hospitalization
Covered
Hospitalization costs abroad due to acute illness or accident are covered as part of the necessary and reasonable medical expense coverage. Exact monetary limit not specified in public sources.
Outpatient treatment
Covered
Outpatient medical visits abroad due to acute illness or accident are covered as part of the necessary and reasonable medical expense coverage. Digital healthcare providers accepted for minor conditions.
Emergency dental treatment
Covered
Emergency dental treatment abroad is included as part of the standard travel medical coverage; specific monetary limits are not publicly specified.
Medical transport
Covered
Covers transport costs arising from acute illness or accident abroad, coordinated through SOS International. Includes transport to the nearest adequate medical facility.
Medical evacuation / repatriation to Sweden
Covered
Covers transport home to Sweden for continued medical care if the condition is life-threatening or treatment is not available at the destination. Managed through SOS International, available 24/7.
Repatriation of remains
Covered
Repatriation of remains is covered as part of the travel medical coverage in the home insurance; specific monetary limits not publicly stated.
Search and rescue
Not offered
Search and rescue costs are not mentioned as a covered benefit in Trygg-Hansa's travel insurance within the home insurance policy; no evidence of explicit inclusion found.
COVID-19 treatment
Covered
COVID-19 illness abroad is treated the same as any other illness under the travel medical coverage. The travel insurance certificate explicitly confirms coverage for illness including COVID-19. Quarantine costs are not covered.
Pre-existing conditions
Conditional
Pre-existing or chronic conditions are not covered by default. Coverage may be obtained if a free medical pre-assessment (medicinsk förhandsbedömning) is completed with SOS International before departure.
Winter sports cover
Covered
Standard winter sports such as skiing are covered; the travel insurance certificate confirms personal liability coverage which is required in some countries (e.g. Italy) for skiing. Extreme sports are not covered.
Adventure / extreme sports cover
Excluded
Risk-intensive and extreme sports activities are explicitly not covered by the standard travel insurance. A separate travel insurance that includes extreme sports must be purchased.
Pregnancy complications
Conditional
Trygg-Hansa's travel insurance applies for pregnant travellers abroad; the insurer also offers a dedicated pregnancy insurance (gravidförsäkring) valid abroad. Acute pregnancy complications may be covered as acute illness; standard pregnancy care is not covered.
Personal liability
Covered
Personal liability (ansvarsskydd) is included in all home insurance policies at Trygg-Hansa and is valid during travel. The travel insurance certificate certifies liability coverage, required in some countries. Specific travel liability limit not publicly stated separately.
Legal assistance / legal protection
Covered
Legal protection (rättsskydd) is included as part of the home insurance policy and covers legal disputes during travel. Deductible for legal protection is 20% of costs, minimum the standard deductible.
24/7 assistance
Covered
SOS International provides 24/7 assistance for acute illness or accident abroad. Contact: +45 70 10 50 50 (from abroad) or +46 75 243 65 00. Assistance includes medical advice, coordination of care, and emergency transport.
Key conditions
Assistance call deadline
In the event of acute illness or accident abroad, the insured must contact SOS International as a first priority. Before any major operation or extensive treatment outside the Nordic countries, SOS International must be contacted. Failure to comply may result in reduced compensation.
Unauthorized treatment
If the insured undergoes major surgery or extensive treatment abroad without prior approval from SOS International (outside the Nordic countries), compensation may be reduced or denied.
Purchase while abroad
The travel insurance is included in the home insurance policy and must be in force before departure. Extended travel cover (förlängt reseskydd) for trips exceeding 45 days must be arranged before the 45 days have elapsed; it can be arranged by calling Trygg-Hansa customer service.
Chronic conditions
Chronic diseases and pre-existing conditions are not covered unless a free medical pre-assessment (medicinsk förhandsbedömning) is obtained from SOS International before departure. This assessment determines whether coverage applies with or without specific exclusions.
Pregnancy
Trygg-Hansa's travel insurance applies to pregnant travellers abroad. Acute complications during pregnancy may be covered as acute illness. The insurer also offers a dedicated pregnancy insurance (gravidförsäkring) valid abroad.
pre_existing_conditions
Pre-existing conditions are not covered as standard. If the insured is ill or has an existing injury before departure, a medical pre-assessment must be completed with SOS International to determine whether and under what conditions coverage applies.
coverage_duration_limit
The travel insurance included in the home insurance covers the first 45 days of travel. For trips longer than 45 days, extended travel cover (förlängt reseskydd) must be purchased before the 45-day period expires, available up to 365 days.
Where to buy
Policy specifics
Coverage duration
Basic travel insurance covers first 45 days of travel; extended coverage available beyond this period up to 365 days.
Medical expenses
Covers necessary and reasonable costs for acute medical care and treatment due to sudden illness or accident during travel.
Emergency transport home
Covers transport home to Sweden for continued medical care if medical condition is life-threatening or treatment not available at destination.
Trip cancellation coverage (optional add-on)
Optional 'Utökad reseförsäkring' provides up to 70,000 SEK compensation for cancellation due to acute illness or accident before or during trip.
Sudden illness requirement
For illness to be covered, it must occur suddenly and unexpectedly during the trip.
Geographical coverage restrictions
Coverage applies worldwide but excludes countries where Swedish Ministry of Foreign Affairs advises against travel.
Leisure time coverage only
Coverage applies only during leisure time, not during work time or school time abroad.
Medical care requirement
To claim coverage, the insured person must seek medical care at the travel destination during the trip.
Self-risk deductible
Basic deductible is the standard home insurance deductible (minimum 1,500 SEK); only one deductible applies even if multiple family members claim. No deductible for Utökad reseförsäkring add-on claims.