Important Information

Transcription

1 GROUP INSURANCE UNIVERSITETSLÄRARFÖRBUND SV Important Information HOW YOU JOIN THE INSURANCE SCHEME Automatic membership Membership of the insurance scheme is automatic, which means that as a new member/employee you are automatically covered by group insurance, provided that you are fully fit to work. You have the right to decline membership of the scheme. If you should wish to take out insurance at a later date, a health declaration will be required. Health requirements Life insurance In order to be covered you must have been fully fit to work for the 90 days before you became a new member/employee. Or later been fully fit to work for a continuous 90 day period. We will disregard periods of incapacity to work which do not exceed a total of 14 days in the 90 day period Health insurance In order to be covered you must have been fully fit to work for the 90 days before you became a new member/employee. Or later been fully fit to work for a continuous 90 day period. We will disregard periods of incapacity to work which do not exceed a total of 14 days in the 90 day period If you cannot fulfil the health requirement you must cancel the insurance. You can send in an application for insurance, together with a health declaration, when you are fully fit for work again. Accident insurance No health declaration is needed for this insurance. Medical care insurance In order to be covered you must have been fully fit to work for the 90 days before you became a new member/employee. Or later been fully fit to work for a continuous 90 day period. We will disregard periods of incapacity to work which do not exceed a total of 14 days in the 90 day period If you cannot fulfil the health requirement you must cancel the insurance. You can send in an application for insurance, together with a health declaration, when you are fully fit for work again. employment, persons who have been granted leave due to illness in order to seek new work, and persons granted health-related occupation modifications. These restrictions can be found in the Terms and Conditions. Persons who have been granted care allowance or suspended compensation or similar compensation for health reasons are not considered fully fit to work. Health declaration You must always submit a declaration of health if you take out an insurance policy later than 3 months after being offered members insurance. This is also required if you wish to add to your policy or increase your compensation amount. You must submit a declaration of health for any co-insured persons who wish to take out insurance. Submission of inaccurate or incomplete information will void insurance coverage. Life insurance Insurance cover requires that you fill in a health declaration and that this is granted. Family cover Insurance cover requires that you fill in a health declaration and that this is granted. Health insurance Insurance cover requires that you fill in a health declaration and that this is granted. Accident insurance No health declaration is needed for this insurance. Child insurance Invalidity cover higher than SEK 1.3 million or 30 price base amounts requires an application with a health declaration if the child isaged over 1. Medical care insurance Insurance cover requires that you fill in a health declaration and that this is granted. What does being fully fit for work mean? Being fully fit for work means that you: can perform your normal work without restrictions do not receive or are not entitled to compensation in relation to your own illness, accident and/or disability or have such compensation pending. Special qualifications apply to persons receiving in subsidised forenadeliv.se

2 ABOUT THE INSURANCE POLICIES Life insurance Life insurance helps you provide financial security for your family. As a new member/employee aged under 65, you are automatically covered and receive the first three months free of charge. The insurance can be taken out up to the age of 65 and ceases to be valid at the end of the month in which the member/employee reaches the age of 65. Death compensation is paid out as a one-time lump sum and gives survivors time to cope with the new financial situation arising from bereavement. If you are affected by longterm incapacity to work due to accident or illness, you can receive a tax-exempt one-time amount known as income compensation. The insurance also includes a monthly death compensation. It also includes life insurance for your children. Death compensation Death compensation is a one-off payment in the event of your death. Between the ages of 55 and 64, the sum insured will decrease by 5 per cent per year, although not by more than 50 per cent of the sum insured. If you have children aged under 20 however, we always pay out the full amount. Who receives the money in the event of your death? 1) Spouse or cohabitant 2) Heirs. If you wish to change the beneficiaries, this can be done on a special form. Income compensation Income compensation is a one-off payment in the event of your long-term incapacity to work. You will be paid compensation in the event of incapacity to work for at least half of a period of at least 36 months during any consecutive 42 months during the insurance period or if you receive at least half sickness benefit before reaching the age of 62. The amount of compensation depends on your age and level of incapacity. The amount of compensation paid depends on which compensation amount you have chosen and the extent to which you are of have been incapable of working. From the age of 36, the sum insured is reduced by 4 percentage points per year. From the age of 51, the sum insured is reduced by 3 percentage points a year up to and including the age of 59. Thereafter, 10 per cent of the full sum insured remains up to and including the age of 61. See the conditions for more information. The right to compensation ceases at the age of 62. Payment of income compensation does not affect death compensation. Survivor's cover Monthly compensation is paid to your survivors in the event of your death. This compensation is paid for a maximum of 24 months. Children's group life insurance Compensation is paid if the child dies. This applies from the 23rd week of pregnancy until the end of the year in which your child reaches the age of 20. The insurance also covers your life partner's inheritance-entitled children who are permanently resident at your address. The sum insured is paid to the estate of the deceased child. Family cover Family cover helps you provide additional financial security for your family. The need for good family protection can be especially strong during certain phases in life, such as early childhood. With our family cover, you can give your family financial security in the event of your death. The insurance can be taken out up to the age of 65 and ceases to be valid at the end of the month in which the member/employee reaches the age of 65. Death compensation Family cover provides monthly compensation to survivors. The amount of compensation stated is per year; it is divided into 12 monthly payments. Compensation is paid for a maximum 5 years. Who receives the money in the event of your death? 1) Spouse or cohabitant 2) Heirs. If you wish to change the beneficiaries, this can be done on a special form. Family cover ceases to be valid when the policy holder reaches the age of 65. Health insurance With health insurance, you can protect your finances if you should be off sick for an extended period. Health insurance is intended to complement sickness benefits and compensates for your loss of earnings up to 90 per cent of your salary. You choose the sum insured so as to get the right compensation. As a new member/employee aged under 36, you are automatically covered and receive the first three months free of charge. The insurance can be taken out up to the age of 65 and ceases to be valid at the end of the month in which the member/employee reaches the age of 65. Compensation for specific diagnoses Diagnosis insurance gives a single lump sum payment in the event of a confirmed specific diagnosis such as heart attack, certain types of cancer and strokes. Compensation can be paid 30 days after a confirmed diagnosis, at the earliest. It is tax free and can be paid in total on 3 separate occasions for 3 different diagnoses. The amount paid depends on the sum insured that you have chosen. You are free to choose whether the compensation is paid in the form of a rehabilitation programme or as financial aid. The limitations below apply to mandatory or automatic membership and when the policyholder joins with certification of being fully fit for work. Limitations in the event of repeat illness: Compensation will not be paid for a diagnosis stated in the conditions of insurance if the policyholder has had the same diagnosis before taking out the insurance or if the diagnosis is confirmed before the insurance is taken out. This also applies to later complications of an illness or diagnosis. During the first 12 months of validity of the insurance, the insurance is not valid for symptoms or conditions that were indicated before the insurance came into force. Diagnosis insurance is valid until the policyholder reaches the age of 65. Compensation for sick leave Compensation for sick leave is paid monthly. The amount of com- forenadeliv.se 2

3 pensation you receive depends on the amount of compensation you have chosen and your level of incapacity, although not less than 25 per cent. Compensation can be paid after 3 or 12 months incapacity, depending on the collective agreement. This compensation is paid for a maximum of 36 months. Compensation is limited in the event of an illness that affects you within 2 years after the health insurance first became valid, if the same illness has caused you at least 25% incapacity to work during the 2 years before the health insurance first became valid and for more than 30 consecutive days. Health insurance is valid until the policyholder reaches the age of 65. Accident insurance Accidents can happen at any time of the day or night and not having cover can be expensive. With our accident insurance you can receive compensation, with no excess, for disability, as well as for certain expenses that arise in connection with the accident. The insurance is valid at all times. As a new member/employee aged under 65, you are automatically covered and receive the first three months free of charge. The insurance can be taken out up to the age of 65 and ceases to be valid at the end of the month in which the member/employee reaches the age of 65. Casualty compensation Casualty compensation can, during the first year, provide compensation for a certain part of expenses such as medical care, travel to and from care and treatment, medicines etc. What is paid out is 2-8% of the price basic amount, depending on the number of doctor visits and the length of time you are off sick. Compensation of expenses can be paid for a maximum of 5 years from the date of the accident. Dental expenses Compensation is paid for dental expenses. (Does not apply to chewing or biting damage.) Compensation can be paid for a maximum of 5 years from the date of the accident. Additional expenses If the accident leads to medical treatment, certain essential expenses are also covered up to 3.6 price base amounts if these are not otherwise compensated (e.g. damage to clothing or glasses etc.). Sickness rehabilitation Standard compensation of 2.5 per cent of the price basic amount in one year is paid for rehabilitation treatment. You may receive a total of 3 standard amounts during the insurance period. Compensation is paid according to the price basic amount on the date of payment. Casualty compensation Monthly compensation can be paid for up to 335 days in the event of at least 25 per cent sick leave due to an accident in excess of 30 days. If you are off sick for more than a year you can receive a lump sum compensation payment of half the price basic amount. Compensation is paid for incapacity to work that arises within 5 years of the date of the accident. Death resulting from an accident If the accident proves to be fatal, the compensation is paid to the deceased person's estate. Trauma insurance Compensation covers up to 10 therapy sessions with a psychologist or psychotherapist for the incidents stated in the conditions. Medical disability Medical disability is a chronic physical reduction in bodily function. The degree of disability decides the level of compensation you can receive. For compensation amounts that are stated in price basic amounts, compensation is calculated on the price basic amount on the date of the accident. The sum insured is not reduced. Child insurance Children often have less insurance cover than we adults do. With our child insurance you can give your child a secure start in life. Child insurance is valid 24 hours a day. It is also valid regardless of which sports or hobbies your child takes up. Insurance can be taken out up to the age of 22 and is valid up to and including the calendar year in which your child reaches the age of 25. You pay only one premium regardless of how many children you have and there is also cover from the 10th week of pregnancy. The insurance also covers your partner's children and family home placed children who are permanently resident at the same address as you. Invalidity cover higher than SEK 1.3 million or 30 price base amounts requires an application with a health declaration if the child is aged at least 1. Medical and travel expenses Compensation is paid for essential and reasonable expenses for medical care, hospital care, treatment and aids that a recognised doctor has prescribed for the treatment of the injury or illness. In the event of illness, the expenses must have arisen within 3 years of the illness being noticed. In the event of illness, there is an excess of 3 per cent of the price basic amount. In the event of accidental injury, the expenses must have arisen within 5 years of the date of the accident. Dental expenses Compensation is paid for dental expenses arising from an accident. (Does not apply to chewing or biting damage.) Compensation is paid for damage that arises within 5 years of the date of the accident. Treatment must be approved in advance by Förenade Liv. Damaged clothing and glasses If the accident leads to medical treatment, certain essential expenses are also covered up to 0.25 of the price base amount if these are not otherwise compensated (e.g. damage to clothing or glasses etc.). The amount of 0.25 of the price base amount also includes damage to protective clothing, special clothing and protective equipment such as helmets and other protection. The maximum compensation for such protective equipment is SEK 10,000 in total during the period of validity of the insurance. forenadeliv.se 3

4 Care at home Compensation can be paid for care at home if a person insured who is younger than 16 receives care at home directly after a hospital visit that qualifies for compensation. In the event of illness, the need for care must have arisen for the first time after the child reaches the age of 6 months. The insurance provides compensation for up to 30 days per hospital visit and up to a total of 365 days for each individual illness or accident. Hospital visits Right to compensation when insurance during pregnancy applies: Compensation is paid in the event of illness or accident arising or occurring during the insurance period and leading to the child and/or mother needing a hospital visit and admission for at least 3 consecutive days. Compensation of SEK 200 per day is paid. Compensation is paid for up to 365 days for the mother and child, although not after the child reaches the age of 1 year. Right to compensation after the child's birth: If an accident or illness leads to the child being admitted to hospital for care for at least 3 consecutive days, compensation is paid from the first day. For compensation to be paid for hospital visits for illness, the need for care must have first arisen after the child reached the age of 6 months. Compensation may be paid for up to 365 days. Rehabilitation aids If accidental injury or illness is expected to lead to chronic invalidity, compensation of up to 3 price basic amounts is paid for essential expenses for rehabilitation aids. Trauma insurance Right to compensation when insurance during pregnancy applies: If the expected child's sibling, mother and/or father has suffered mental ill health because: - the expected child dies during the insurance period - the mother or father dies during the insurance period - the child/foetus is handicapped - the mother suffers from postnatal psychosis - and as a result of these events is in need of acute help, the insurance pays compensation for up to 10 therapy sessions with a recognised psychologist or psychotherapist. Treatment must be approved in advance by Förenade Liv. Right to compensation after the child's birth: If the child requires trauma help as a result of robbery, threat or assault that is reported to the police or the death of a close relative or other events as noted in the insurance conditions, the insurance pays compensation for up to 10 therapy sessions with a recognised psychologist or psychotherapist. The trauma insurance also applies in the event of violence in the family or of life-threatening disease. Violence in the family does not need to be reported to the police. If the insured child dies, acute assistance can also be given to the child's parents, spouse, partner or sibling. Treatment must be approved in advance by Förenade Liv. Diagnostic insurance Diagnostic insurance is financial support in the form if a tax-free compensation payment if the child should have a specific diagnosis confirmed. Right to compensation when insurance during pregnancy applies: Compensation can be paid if the insured child has a specific diagnosis confirmed within 6 months of birth. Such specific diagnoses include for example cancer and Downs Syndrome. You can read which other diagnoses are covered in the insurance conditions. Compensation can be paid 30 days after the confirmed diagnosis. Right to compensation after the child's birth: Compensation can be paid if the insured child has a specific diagnosis confirmed. This applies to specific diagnoses such as cancer, MS or persistent TBE. You can read which other diagnoses are covered in the insurance conditions. Diagnostic insurance compensation be paid in total on 3 separate occasions for 3 different diagnoses. To qualify for compensation, the illness or demonstrated symptoms of illness must have shown up for the first time during the insurance period and after the insurance has been in force for the child for at least 6 months after the child's birth. Cosmetic scar removal Compensation can be paid if an accidental injury or illness that arose during the insurance period leads to the child having to be treated by a recognised doctor and - leads to an unsightly scar or cosmetic defect that remains more than 1 year after the scar or defect arose. - leads to a clearly prominent scar on the face that remains 1 year after the scar arose. The amount of compensation is calculated according to the sum insured that applies for medical disability. Parent support Parent support covers free counselling by a recognised midwife or social worker. The counselling can be contacted at any time of the day or night regarding the family situation or the child's psychosocial development. Those who respond have competence and experience in working with parents and children. We guarantee that the policy holder and the person insured always have full confidentiality and anonymity. Medical care or health advice on physical/medical issues are not included in this service. These are referred to the public care services. You are welcome to telephone the counsellors on hours a day, year round. Medical care costs Right to compensation when insurance during pregnancy applies: Compensation can be paid on condition that the mother or other carer is entitled to at least 25% care contribution for the child in accordance with the General Insurance Act. The degree of care contribution granted determines the amount of the sum insured that is paid out. The child's illness giving entitlement to care contribution must have arisen during the insurance period before the child reached the age of 6 months. Compensation is paid for a maximum 1 year. Right to compensation after the child's birth: Compensation is paid for special care for the insured child on condition that during the insurance period the Swedish Social Insurance Agency grants the insured child's carer at least 25% care contribution or at least 12.5% temporary parents' allowance for the care of a seriously ill child. The degree of compensation granted by the Swedish Social Insurance Agency determines the amount of the sum insured that is paid out. To qualify for compensation for illness or symptoms of illness, the illness or symptoms must have shown up for the first time during the insurance period and after the insurance has been in force for the child for at least 6 months after the child's birth. Compensation is paid for a maximum 6 years, although not after the end of June in the year in which the child reaches the age of 19. forenadeliv.se 4

5 Death compensation Right to compensation when insurance during pregnancy applies: Compensation is paid if the insured child or any of its carers dies during the insurance period starting in the 23rd week of pregnancy. Payment is made to the deceased person's estate or to the group member/employee in the event of a stillborn child. SEK 20,000 is paid for the death of a child and SEK 10,000 for the death of a carer. Right to compensation after the child's birth: If your child dies because of accident or illness during the insurance period, compensation is paid to the estate of the deceased child. To qualify for death compensation because of accident or illness, the child insurance must have been in force for at least 6 uninterrupted months for the child and the child must have been at least 6 months old at the time of death. Financial disability Financial disability is the permanent reduction of the insured person's ability to work as a direct result of an accident or illness that is covered by the insurance. To qualify for compensation, at least 75 per cent care contribution and/or at least 50 per cent activity compensation must have been granted for the insured person for at least five years. The injury or disease must also have led to permanent medical disability. The above conditions must have been fulfilled before the end of the year in which the insured person reaches the age of 30. Compensation cannot be paid until the insured person reaches the age of 15. Care contributions for 5 years from and including the age of 10 give the right to compensation. To qualify for compensation for financial disability, the illness or symptoms must have shown up for the first time during the insurance period and after the insurance has been in force for the child for at least 6 months after the child's birth. This also applies with an increase or extension of insurance. Limited compensation applies if the insured person is suffering from certain mental illnesses or behavioural disorders that are classified under ICD-10 with one of the diagnostic codes F00 to F99, such as ADHD, DAMP, Asperger's syndrome, bipolar disorder, depression, phobias, eating disorders, mental development disorders or ADD and fulfil the conditions for payment for financial disability. In such cases, the highest compensation paid is 10 per cent of the sum insured. Medical disability Medical disability is a chronic reduction in bodily function. Right to compensation when child insurance during pregnancy applies: Compensation is only paid in the event of accident. There is a right to compensation when the state of disability occurs and the future medical disability has been determined, although at the earliest 1 year after the date of the accident. The maximum disability amount is SEK 800,000. The degree of disability determines the amount of the sum insured that is paid out. Right to compensation after the child's birth: Applies to medical disability from either accident or illness. There is a right to compensation when the state of disability occurs and the future medical disability has been determined, although at the earliest 1 year after the illness has shown up or the date of the accident. To qualify for compensation for medical disability, the illness or symptoms must have shown up for the first time during the insurance period and after the insurance has been in force for the child for at least 6 months after the child's birth. This also applies with an increase or extension of insurance. The degree of disability determines the amount of the sum insured that is paid out. Limited compensation applies if the insured person is suffering from certain mental illnesses or behavioural disorders that are classified under ICD-10 with one of the diagnostic codes F00 to F99, such as ADHD, DAMP, Asperger's syndrome, bipolar disorder, depression, phobias, eating disorders, mental development disorders or ADD and fulfil the conditions for payment for medical disability. In such cases, the highest compensation paid is 10 per cent of the sum insured. Medical disability - extension Medical disability is a chronic reduction in bodily function. Right to compensation when child insurance during pregnancy applies: Compensation is only paid in the event of accident. There is a right to compensation when the state of disability occurs and the future medical disability has been determined, although at the earliest 1 year after the date of the accident. The maximum disability amount is SEK 800,000. The degree of disability determines the amount of the sum insured that is paid out. Right to compensation after the child's birth: Applies to medical disability from either accident or illness. There is a right to compensation when the state of disability occurs and the future medical disability has been determined, although at the earliest 1 year after the illness has shown up or the date of the accident. To qualify for compensation for medical disability, the illness or symptoms must have shown up for the first time during the insurance period and after the insurance has been in force for the child for at least 6 months after the child's birth. This also applies with an increase or extension of insurance. The degree of disability determines the amount of the sum insured that is paid out. Limited compensation applies if the insured person is suffering from certain mental illnesses or behavioural disorders that are classified under ICD-10 with one of the diagnostic codes F00 to F99, such as ADHD, DAMP, Asperger's syndrome, bipolar disorder, depression, phobias, eating disorders, mental development disorders or ADD and fulfil the conditions for payment for medical disability. In such cases, the highest compensation paid is 10 per cent of the sum insured. Financial disability - extension Financial disability is the permanent reduction of the insured person's ability to work as a direct result of an accident or illness that is covered by the insurance. To qualify for compensation, at least 75 per cent care contribution and/or at least 50 per cent activity compensation must have been granted for the insured person for at least five years. The injury or disease must also have led to permanent medical disability. The above conditions must have been fulfilled before the end of the year in which the insured person reaches the age of 30. Compensation cannot be paid until the insured person reaches the age of 15. Care contributions for 5 years from and including the age of 10 give the right to compensation. To qualify for compensation for financial disability, the illness or symptoms must have shown up for the first time during the insurance period and after the insurance has been in force for the child for at least 6 months after the child's birth. This also applies with an increase or extension forenadeliv.se 5

6 of insurance. Limited compensation applies if the insured person is suffering from certain mental illnesses or behavioural disorders that are classified under ICD-10 with one of the diagnostic codes F00 to F99, such as ADHD, DAMP, Asperger's syndrome, bipolar disorder, depression, phobias, eating disorders, mental development disorders or ADD and fulfil the conditions for payment for financial disability. In such cases, the highest compensation paid is 10 per cent of the sum insured. Health profile The insurance gives the right to test your online health profile. More information about the health profile is sent when Förenade Liv is informed that a person has joined the insurance scheme. Medical care insurance Medical care insurance gives rapid access to counselling and medical care. It also helps to prevent future health problems and can reduce sick leave. Wherever you live in the country, you are only a telephone call away from rapid contact with the right carer, doctor or care organiser. A care guarantee is also included. A referral by a recognised doctor is necessary. Compensation can be paid until the person insured reaches the age of 65 and thereafter for a maximum of 12 months, although not past the contract's cut-off age. The insurance can be taken out up to the age of 65 and ceases to be valid at the end of the month in which the member/employee reaches the age of 65. Doctor visits Compensation is paid for expenses in connection with examination, diagnosis and treatment that is performed by a doctor referred by Förenade Liv's care counselling. Patient fees up to the high-cost protection amount Compensation is paid for patient fees in public health care, up to the limit of the high-cost protection amount. Hospital stays and operations Compensation is paid for expenses in connection with hospital stays, examinations in preparation for surgery and operations. Travel and lodging Essential and reasonable travel and lodging expenses that arise in connection with treatment that qualifies for compensation. Applies to the person insured and in the event of a major operation also to a maximum of one close relative. The insurer must be contacted for approval before travel begins. Follow-up care - Rehabilitation Essential and reasonable expenses for follow-up care and rehabilitation referred by a doctor. One rehabilitation period per insured event. Assistive devices The insurance compensates for expenses for assistive devices prescribed by the recognised doctor responsible for treatment that may be deemed to be reasonable and essential for treating the illness or accidental injury. Devices for permanent use are not covered. Psychological treatment The insurance compensates for the expenses of treatment by a psychologist after referral from the doctor giving treatment. The referral must not be more than six months old. Compensation is given for up to ten therapy sessions per insurance event. forenadeliv.se 6

7 GENERAL PROVISIONS Who may take out an insurance policy? Group insurance is available to members/employees who meet the applicable health requirements and who have been offered a policy through their employer/union/organisation. How long is group insurance valid? Group insurance is valid for an individual group member for the duration of membership/employment and as long as the premium is paid. When a group member s policy is cancelled or expires, the cancellation/expiry applies to any children or co-insured on the policy. Coverage for co-insured persons will be cancelled in the event of divorce or dissolution of the partnership. You may modify or cancel your policy at any time by contacting Förenade Liv by mail, or telephone. If you only wish to make changes to the policies you hold you may also do this online. Premiums and premium payment Premiums can be paid by the employer or the employee/member. The part of the insurance premium paid by the employer is taxed as a benefit. The first premium must be paid no later than the stated due date. In the event of non-payment, cover will expire 14 days after Förenade Liv has terminated the policy. The documents issued when the policy is signed contain the relevant information regarding failure to pay. Premiums are paid by monthly direct debit or by payment card three or four times a year. Premiums are based on the age of the group member also for the co-insured while the compensation amount always depends on the age of the insured. Limitations to insurance validity In the event of stays abroad in excess of 12 months or stays in regions affected by war or political unrest, the validity of your policy is subject to the restrictions indicated in the Terms and Conditions. For accident insurance and children s coverage, certain restrictions apply for persons aged 18 and above regarding drugs, abuse of medication, advanced runaway situations etc. as well as criminal behaviour. Group contracts and Terms and Conditions Group insurance is based on a one-year group contract between Förenade Liv Gruppförsäkring AB and the group members representative. Insurance is also subject to the General Terms and Conditions for Group Insurance as well as any applicable contractspecific terms and conditions. The provisions contained in the group contract take precedent over the General Terms and Conditions. The Terms and Conditions may be modified on the date of expiry of the group contract. These Terms and Conditions can be found at forenadeliv.se. Termination and right of withdrawal The insurance contract may be terminated at any time by contacting Förenade Liv by mail, or telephone. Paid premiums used to cover risk and operational expenses will not be refunded. Förenade Liv is entitled to receive a premium for the duration of validity of the cover. Continued insurance and extended cover If you have had your policy for at least 6 months before cancellation/expiry, under ordinary circumstances you are eligible to take out continued insurance within 3 months of cancellation/expiry without a health declaration. Continued insurance coverage will ordinarily be valid up to the end of the month in which the insured reaches the age of 65. You may receive extended coverage for 3 months according to the requirements indicated in the Terms and Conditions, regardless of whether you have taken out continued insurance. Inaccurate information If you provide inaccurate or incomplete information, your policy may cease to be valid or Förenade Liv may be exempt from its liabilities in accordance with the provisions of the Insurance Agreements Act and Swedish law in general. Paid premiums will not be refunded. Price base amount and taxation The amount of compensation is calculated based on the price base amount in accordance with the Swedish Social Insurance Act or with a fixed amount. The Terms and Conditions for Group Insurance indicate which year s base price amount is to be referenced when paying out insurance compensation. No tax is imposed on insurance compensation. Processing of personal information Förenade Liv Gruppförsäkring AB is party to the insurance contract and bears primary responsibility for the processing of personal information. This information will be used for administrative purposes related to the insurance contract and for purposes necessary for insurance activities such as calculation of premiums, claims adjustment and statistics. This information will be treated as confidential in accordance with Förenade Liv s ethical rules. Address information and information pertaining to the insurance contract is processed in an insurance register for purposes of efficient administration and information and to a limited extent for marketing. If the register contains inaccurate information, please contact customer service. To order an extract of the Förenade Liv register, write to: Register extract, Förenade Liv, H49, Stockholm. Applicable law The group contract and insurance policies are subject to the Swedish Insurance Agreements Act (2005:104) and to all other applicable Swedish laws. All communication between the insured and Förenade Liv is to take place in Swedish. If you are dissatisfied If you are dissatisfied, first contact your agent or your agent s immediate supervisor. If we are still unable to reach agreement, you can find information about where to turn in the Terms and Conditions for group insurance at forenadeliv.se. forenadeliv.se 7

8 Underwriter Förenade Liv Gruppförsäkring AB (publ), corporate identification number Activities are subject to supervision by the Swedish Financial Supervisory Authority. For more information This is a summary of information about our insurance policies. For more information, see the Terms and Conditions for Group insurance at forenadeliv.se. FL (FLG-283) forenadeliv.se