Accident insurance

If your accidental injury requires treatment by a doctor, nurse or physiotherapist, you receive SEK 700 as a lump sum at the time of your first medical visit. This is intended to cover your immediate expenses for e.g. medical care, treatment and travel during the first year.

If, after twelve months, you still have expenses for ongoing medical care, you will receive compensation for actual medical costs at up to SEK 1 000 per year for a further four years.

If the accidental injury results in medical care and at least eight consecutive days of emergency sickness period, SEK 700 is paid in compensation. After this you receive:

• SEK 700 if you receive treatment for at least a further 7 days
• SEK 700 if you receive treatment for at least a further 15 days
• After this, SEK 33 per day from day 31 for a maximum of 150 days

If the accident injury results in your being admitted to a hospital, rehabilitation clinic or short-term accommodation for one or more nights, we will provide compensation from the first day for a maximum of 180 days: SEK 200 per day in a hospital and rehabilitation clinic and SEK 100 per day in a short-term accommodation.

You may be compensated for reasonable costs for necessary treatment of a damaged tooth or denture for a maximum of five years.

If the accidental injury entails a need for medical rehabilitation outside of the public care services, compensation is paid at up to SEK 1 000 for expenses.

If the accidental injury results in medical treatment, compensation is paid for necessary and reasonable additional costs during the emergency sickness period for:

• Home help approved by the municipality
• Foot care and hair care
• Damaged glasses, hearing aids and clothes
• Special clothing at a maximum of SEK 10 000
• Up to two damaged rings made of precious metals or titanium at a maximum of SEK 3 000
• Other necessary costs at a maximum of SEK 5 000

If you suffer from mental ill health as a direct consequence of an injury that qualifies for compensation in this insurance, you can receive crisis intervention in the form of ten treatments with a therapist or psychologist that we appoint.

The treatment must be approved by us in advance, be carried out in Sweden, commence within one year and conclude within three years from the time of the injury. We also reimburse reasonable and necessary travel costs up to a total of SEK 4,000, as well as costs for an interpreter. Crisis intervention applies with no excess.

You can also receive crisis intervention following the death of a close relative. Here, a close relative refers to a spouse, registered partner, cohabitant, parent or child. In this context, a child refers to an inheritance-entitled child, a stillborn child delivered at the earliest in the 23rd week of pregnancy, a stepchild or a foster child. This also applies to grandchildren, i.e. the children of an inheritance-entitled child, stepchild and foster child, as above.

Medical disability is condition entailing a chronic reduction in bodily function. The amount that is paid from the insurance depends on the sum insured and the level of invalidity.

Compensation for scars and invalidity is provided according to Folksam’s established tables. You can see these amounts in detail below.

You can also receive compensation for glasses or contact lenses in the event of a permanent eye injury at up to SEK 7 000, and for car benefit up to a maximum of SEK 40 000.

If your accidental injury results in medical care and at least eight consecutive days of emergency sickness period, you will also receive a lump sum compensation according to a table, depending on the nature of the physical injury.

For example, compensation is paid at SEK 3 000 for a fractured femur, SEK 2 000 for concussion and up to SEK 25 000 in the event of paralysis of arms and legs.

In the event of a death as a result of an accident, we pay compensation to the estate. The compensation amount SEK 50 000.

The entitlement to compensation for financial disability applies when the capacity for work has been reduced by at least half due to an accident, and at least half sickness compensation (no time limit) has been granted by the Swedish Social Insurance Office.

The accidental injury must have resulted in medical disability of at least eight per cent.

The insurance does not pay any compensation if compensation is provided according to the Traffic Damage Act.

Compensation

The size of the compensation is dependent in part on the sum insured you have selected for the insurance policy, as well as on the degree of granted sickness compensation (no time limit) as follows:

• Half sickness compensation – 50 per cent of the sum insured.
• Three-quarters sickness compensation – 75 per cent of the sum insured.
• Full sickness compensation – 100 per cent of the sum insured.