Sjukvårdsförsäkring. Faster care in the event of illness. Include your family!

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1 Sjukvårdsförsäkring Faster care in the event of illness In Sweden there are long queues for care and there is an extensive need for healthcare. Sjukvårdsförsäkring gives you access to private care and operations. It has the advantage that you don't need to worry about being absent from work for long periods while you're waiting for care. Our Sjukvårdsförsäkring has been developed in cooperation with Trygg-Hansa. Include your family! You can include your registered partner, husband/wife or cohabiting partner in the same offer.

2 Sjukvårdsförsäkring Sjukvårdsförsäkring gives you access to private, planned care at times that suit you. Call Vårdplaneringen if you have any questions about your health or if you need planned care under the insurance. Experienced nurses are available 24 hours a day. They are in constant contact with a doctor. It is often enough to provide advice on self-care. If not, we arrange an appointment for you with a specialist in our network. We then monitor you throughout the care process to ensure that you always get the best care. Who is eligible for the insurance? Group members and their husbands/wives, cohabiting partners and registered partners, up to the age of 66. Where and for how long is the insurance valid? Sjukvårdsförsäkring is valid from the age of 18 to the age of 70. It is valid 24 hours a day for care within Sweden. The insurance also enables you to receive some cancer care abroad. What does the insurance cost? The insurance is taken out with n excess of SEK 750. The table below shows what the insurance costs. Premium per month according to age bands Insurance Sjukvårdsförsäkring with a SEK 750 excess years years years years years SEK 166 SEK 198 SEK 264 SEK 452 SEK 535 What are the requirements the insurance? You are required to be fully fit for work*, permanently resident in Sweden and registered with the Försäkringskassan. You also need to be a member or the husband/wife, cohabiting partner or registered partner of a member of one of our owner associations: Sveriges Ingenjörer (the Swedish Association of Graduate Engineers), DIK, Förbundet Sveriges Arbetsterapeuter (the Swedish Association of Occupational Therapists), Sveriges Farmaceuter (the Swedish Pharmacists Association) or Akademikerförbundet SSR (the Union for Professionals). *För att anses som fullt arbetsför ska man kunna fullgöra sitt vanliga arbete utan inskränkningar och inte uppbära sjuklön, sjukpenning, rehabiliteringspenning, tidsbegränsad sjukersättning, aktivitetsersättning, eller sjukersättning eller minst halv arbetsskadelivränta. Person som fått någon av dessa ersättningsformer och nu har den vilande, anses inte vara fullt arbetsför under denna tid.

3 What is included in the insurance? Our Sjukvårdsförsäkring corresponds to the policy referred to by Trygg-Hansa as "Sjukvård" in the condition. Compensation is paid out for planned care. Healthcare planning and advice Healthcare planning for private care Monday to Friday hours Healthcare advice 24 hours a day. Private medical care Necessary, reasonable costs for examinations, diagnoses and treatment by a doctor. All forms of private care must be approved and arranged by Trygg-Hansa Vårdplanering. They will help you to arrange appointments and private care. Other private treatment Necessary, reasonable costs in connection with treatment at, for example, a physiotherapist, naprapath or chiropractor. The insurance covers treatment costs for up to 10 treatment sessions a total of 10 hours per claim. If, at the same time, there is a need for a psychologist, the insurance pays out further compensation for up to 10 treatment sessions. Private operations and hospitalisation Necessary, reasonable costs in connection with hospitalisation, operations and preparatory examinations for operations. Travel and accommodation Necessary, reasonable travelling and accommodation costs as a consequence of private care that is eligible for compensation. Compensation is paid for a single journey in the case of travel in excess of 100 kilometres. No compensation is paid for travel in connection with care in the public sector. Post-treatment Necessary, reasonable costs for post-treatment ordered by a doctor in connection with an operation and hospitalisation that is eligible for compensation. Equipment Costs for technical orthopaedic equipment prescribed by doctor that is considered reasonable and necessary for healing the injury. Compensation is paid out up to a maximum of SEK 50,000. Second opinion A second opinion means that in some cases you are entitled to another medical assessment by a specialist. It applies, for example, if you are facing difficult medical decisions with regard to a life-threatening or particularly severe illness. Crisis therapy Reasonable costs for treatment at a registered psychologist up to a maximum of 10 treatment sessions if you suffer a crisis reaction as a consequence of illness, accidental injury, in the case of fire, explosion and burglary at your home, in the case of the death of a close relative, assault, threat, robbery or rape that has been reported to the police. All appointments must be booked through Trygg-Hansa. Care in the public sector Patient fees up to the applicable high cost threshold. Care in the public sector means care paid for in accordance with the county council's established patient charges. Prescription medicines Prescription medicines up to the applicable high cost threshold.

4 First-aid compensation We pay out a lump-sum of SEK 1,000 if the insured sustains an illness or accidental injury that entails emergency overnight hospitalisation. Compensation in the event of hospitalisation In the case of overnight hospitalisation for care of an illness or accidental injury, compensation of SEK 300 per 24 hour period is paid for a maximum of 90 days. Temporary stay abroad If an insured person sustains an accident or is taken ill during a temporary stay abroad, the Sjukvårdsförsäkring pays out compensation for the excess for care costs from another insurance (e.g. home or travel insurance, business travel insurance) up to a maximum of SEK 5,000. Home help Compensation can be paid for a home help up to 20 hours per claim after a private operation covered by the insurance. The minimum period per occasion is 3 hours. The insured can choose between Weekly Cleaning, Deep Cleaning or a Family Service. The services are provided in the daytime on working days. Cleaning can take place between and hours and the Family Service is provided between and hours. Sjukvårdsförsäkring does not cover illnesses whose symptoms manifested themselves or accidental injuries that occurred before the insurance was taken out and that are included in the patient's notes If, in order to grant the insurance, Trygg-Hansa only required full fitness for work of the persons insured and a particular insured person has gone more than two years since the last treatment of the illness/accidental injury, the insurance nevertheless covers the renewed need for care dental treatment cosmetic treatments and operations or consequences thereof, unless these are a consequence of an illness or accidental injury that is eligible for compensation checks and treatment deriving from pregnancy, childbirth, abortion, sterilisation fertility investigations, treatment of infertility sex changes investigation and treatment of neuro-psychiatric disorders (e.g. ADHD, autism) alternative forms of treatment that are not based on scientific grounds and proven experience costs for treatment or medicines due to excess weight if the BMI (Body Mass Index) is below 35 operations for excess weight in the private care sector and the consequences thereof spectacles and contact lenses and operational procedures, including laser surgery, in order to correct errors of refraction in the eye investigation and treatment of snoring deterioration of the state of health that medical experience indicates is due to abuse of alcohol, narcotics, including medicines classified as narcotics, other intoxicants, sleeping medication, doping preparations or abuse of other drugs injuries arising through participation in sporting or athletic activities if the insured has earned income due to them (subsidies from sponsors are equated with income) injuries arising in connection with deliberate criminal acts carried out or participated in by the insured that, in accordance with Swedish law, could lead to imprisonment costs arising for Trygg-Hansa when the insured fails to appear at a care appointment or cancels an appointment too late. Trygg-Hansa reserves the right to reclaim the cost from the insured

5 Insurance amount The insurance amount specifies the amount of compensation that can be paid out for care costs. The maximum compensation is SEK 5,000,000 per claim. Full conditions and pre-sale information This product sheet does not constitute pre-sale information within the meaning of the Swedish Insurance Contracts Act. You can find full insurance conditions and pre-sale information at Would you like to know more about the insurance? Call our customer service on or send an to