The right insurance cover

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1 The right insurance cover for you as a member of ST The Union of Civil Servants In cooperation with

2 Page 2 Insurance for the whole family At member price As a member of ST, you can take out insurance that gives you the protection you need and this is thanks to cooperation between ST and Trygg-Hansa. ST s favourable insurance solutions protect you and your family in case of unforeseen events. Through Trygg-Hansa you are also offered advisory services and a review of your insurance needs so that you can be sure you have the right insurance. And should anything happen, we can often handle your claim directly over the telephone. This brochure gives you a brief introduction to our insurance products. You can find more information at

3 Page 3 New member of ST? Then we have some great offers for you! This is a brief description of our insurance products. Full details can be found in the Terms and conditions which is available at trygghansa.se. We offer you three months free insurance First of all, we would like to wish you a warm welcome. And to show you that we really mean it, we offer you a favourable accident insurance. The insurance forms part of ST s group insurance and is offered to you free of charge for three months. If you make any additions, increase the sum insured or take out more insurance policies during this period, no premium will be charged for this either. After the introductory period, the insurance will automatically be renewed at the favourable premium rates offered by ST. If you do not wish to continue the insurance, you can simply ignore our payment request and cover will then cease. Attractive welcome package As a new member, you can also take out a comprehensive home insurance package for a period of six months at a very favourable introductory price: The home contents package includes: Home Contents insurance, Extended Content insurance (Drulleförsäkring) and Extended Tenant-Owner Flat insurance (Utökad Bostadsrättsförsäkring). Price for six months: SEK 500 The home insurance building package includes: Comprehensive Home insurance, Extended building insurance (Utökad Byggnadsförsäkring), Extended Content insurance (Drulleförsäkring) and Extended Travel insurance (Utökad Reseförsäkring).In addition to the cover provided under the Home Contents Insurance, cover also provided for the building itself and the plot on which it is built. Price for six months: SEK The youth package includes: Home Contents Insurance. The package is for you who are under 30 years old. Price for six months: SEK 200 If your home is already insured with us, you cannot take advantage of this offer. More information? Please contact ST s customer service team at Trygg-Hansa on +46 (0)

4 Page 4 ST s group insurance financial security at all stages of life ST s group insurance policies provide extra protection and support for you and your family in case of unforeseen events such as sickness, accident, unemployment or death. You decide which types of cover you need depending on your family situation. No excess is payable. The amount of cover for medical disability will be gradually reduced by 2 percentage points annually as from the year you turn 55. Accident Insurance Apart from the physical and psychological consequences, an accident may also have a detrimental effect on your financial situation. In such case, it may therefore be comforting to have a good accident insurance, which provides cover both at work and in your spare time. In addition to providing cover for medical/financial disability, ST s accident insurance includes extra elements of protection Klara krisen (coping with the crisis) and Klara olyckan (coping with the accident). As a new member, you will get the insurance free of charge for the first three months. The insurance covers medical disability; financial disability; medical, dental and travelling costs; extra expenses; cost of aids; disfiguring scars; pain and suffering; death caused by accidents; crisis counselling. The insurance does not cover private treatment, dental injuries caused by chewing or biting, injuries not requiring medical treatment or loss of earnings. Klara krisen (coping with the crisis) Covers up to 20 treatments by a psychologist or therapist, appointed by Trygg-Hansa, if the Insured experiences a crisis due to e.g. serious illness, birth trauma, involuntary unemployment, robbery or assault. Cover is provided for all family members registered and living at the same address as well as inheriting children up to 25 years of age, regard less of the address at which they are registered. Klara olyckan (coping with the accident) Pays you an amount of SEK 5,000 to cover own rehabilitation if you suffer an accident and are reported sick for at least 50% of the time over a period of more than 30 days. Cover is provided for all family members registered and living at the same address as well as inheriting children up to 25 years of age, regardless of the address at which they are registered.

5 Page 5 Children s Insurance Most children in Sweden are covered by accident insurance taken out by the local authority when they are at pre-school or at school. Most often however, cover is not provided 24 hours a day, and in case of illness, no cover is provided at all. ST s group insurance for children is a combined sickness and accident insurance covering children up to 25 years of age. You will only pay one premium for all your children and the children of your spouse/cohabiting partner who are registered at your address. The insurance provides medical disability cover; financial disability cover; critical illness cover; treatment cover; hospitalisation cover; cover for scars; cover on death. In the event of accidents, the insurance also covers: medical, dental and travelling costs, extra expenses, cost of aids, crisis counselling (also in cases where the injury is caused by a family member). The insurance does not cover the following: certain types of illness that have their onset during the first two years of the period of insurance (see the section Important facts about group insurance ), private medical and dental treatment, dental injuries caused by chewing or biting or injuries not requiring medical treatment. Senior Accident Insurance If you are about to retire, it may be wise to take out a Senior Accident Insurance for the remainder of your life. You can take out the insurance if you are between 55 and 66, have a notification address in Sweden and have previously been covered by ST s group insurance. The sum insured will not be gradually reduced as you get older. The insurance covers medical disability; medical, dental and travelling costs: extra expenses; cost of aids; disfiguring scars; death caused by accident. The insurance does not cover private medical or dental treatment, dental injuries caused by chewing or biting, or illness. Waiver of premium Temporarily employed group members have a right to a waiver of premium in case of involuntary unemployment for an uninterrupted period of at least six months. Special conditions apply with regard to the maximum period and extent of such waiver of premium. Take out the insurance already today! You can find more information about the various types of insurance in the enclosed leaflet. You can view ST s entire insurance programme at where you can take out the insurance you need. You are also welcome to call our customer service team on +46 (0)

6 Page 6 Price list for ST s group insurance Product Sum insured Premium/month Accident Insurance Medical/financial disability SEK SEK 75 Children s Insurance Medical/financial disability SEK One premium regardless of the number of children SEK 78 Senior Accident Insurance Medical disability SEK SEK 31 There is no excess on the types of insurance listed above, and the amounts of cover are exempt from income tax. ST s group agreement includes three types of insurance, and it is up to you to decide which one(s) you wish to take out. Accident Insurance Children s Insurance Senior Accident Insurance (cannot be combined with any other insurance) 55+

7 Page 7 Important facts about group insurance What you should bear in mind to obtain the right cover If you or any co-insureds have provided incomplete or inaccurate information in the health declaration when the insurance was taken out, cover may be reduced or refused. If you have caused the injury or damage intentionally or by gross negligence, or if the accident is linked to the fact that you were under the influence of alcohol or any other intoxicating substances, drugs, narcotics or improper use of medicine, cover may be reduced or refused. Continuation option If you terminate your membership of ST or if the group agreement expires, you have the right, as an insured group member, to arrange for continuation of the insurance within three months of such termination or expiry without producing any new evidence of health. This option is only available if you have been covered by the group insurance for the past six months. The continuation option is subject to special conditions for any coinsureds, e.g. in connection with divorce. Waiver of premium As a permanent employed group member, you have a right to a waiver of premium in case of involuntary unemployment for an uninterrupted period of at least six months. If you, as a group member, are granted a waiver of premium due to involuntary unemployment, the premiums for any insurance policies taken out by any co-insureds will also be waived. However, the waiver of premium due to involuntary unemployment will not apply in case of unemployment on the part of any co-insureds. Special conditions apply with regard to the maximum period and extent of such waiver of premium. Extended period of cover If your group insurance is terminated in the event that you no longer satisfy the conditions under the group agreement, cover will be extended for a maximum period of three months. This option is only available if you have been covered by the group insurance for the past six months. The purpose of the extended period of cover is that you will have time to take out a new insurance, e.g. through a new group insurance or by exercising the continuation option. The extended period of cover also applies to any co-insureds subject to the same conditions.

8 Page 8 Good to know Right of cancellation When you take out a new insurance policy, you have the right to cancel the policy within 30 days. The cancellation period runs from the day you receive your policy documents. Please contact us on +46 (0) if you wish to exercise your right of cancellation. In that case, the insurance will be cancelled from the date of inception. If you have already paid for your insurance, the premium paid will be returned to you. If you are not satisfied Please contact us and we will do our best to resolve the matter. If this proves to be impossible, you may request that the case be considered by Trygg-Hansa s insurance board, the Personal Insurance Board or the National Board for Consumer Disputes. You can also bring the matter before an ordinary court of law. The agreement is governed by Swedish law. In the event of any dispute with Trygg-Hansa over the amount of cover, you can make a claim for compensation under the Legal Expenses Insurance, which e.g. forms part of your home contents insurance. This applies regardless of whether the home contents insurance is taken out with Trygg-Hansa or with another insurance company. Insurer Trygg-Hansa Försäkringsaktiebolag (publ) writes all of the insurance policies set out above, except for the Life Insurance, the life insurance elements of the Children s Insurance and the Senior Accident Insurance which are written by Holmia Livförsäkring AB. Complete insurance conditions This brochure provides brief information about Trygg-Hansa s group insurance. To view the complete insurance conditions, please contact your group representative at ST, visit or contact us on telephone +46 (0) Information and guidance on insurance matters can also be obtained from: Swedish Consumers Insurance Bureau Box 24215, SE Stockholm Tel. +46 (0) Fax +46 (0) Information according to the Swedish Data Protection Act Any information provided by you will be treated in accordance with the Swedish Data Protection Act. This information may be supplemented with information from public registers. Trygg-Hansa Försäkringsaktiebolag (publ) (company registration number ) is responsible for any personal data. We will keep the information for the purpose of assessing insurance proposals, administering insurance contracts, handling claims, preparing insurance statistics, developing our products and carrying out marketing activities. We will share any relevant information with business partners, e.g. for claims handling purposes, and with other companies within our group. We are also under a legal obligation to provide information to public authorities. Trygg-Hansa also records any reported claims in the insurance industry s central claims register (GSR). We keep information about rejected insurance proposals and cancelled insurance contracts for a limited period of time. If you do not wish to receive additional information on products and services, please inform Trygg-Hansa s customer service team on telephone +46 (0) If you would like to receive information about the personal data we hold on you or wish to correct any inaccurate information, please send us a written request. Please state your policy or civil registration number, sign the request and send it to Trygg-Hansa, Att.: Personuppgiftsansvarig, SE Stockholm, Sweden.

9 Page 9 St s general insurance products protect you, your home and all your possessions Trygg-Hansa s favourable general insurance products give you peace of mind so you can sleep well at night. To protect yourself even further, you can also add various optional covers. If anything should happen to you, we can often handle your claim directly over the telephone. In addition, only small excess amounts are charged. Discount on insurance As a member of ST, you will receive a discount of at least 10% on your home insurance policies. If you take out other general insurance products with us (car, holiday home etc.), you can get a discount of up to 20% on such products, meaning that you can get up to 30% in total on your home insurance policies. Waiver of premium if you become unemployed If you become unemployed, we will pay your premium for the basic cover under your Home Contents Insurance for a maximum period of 36 months provided that: you have been dismissed due to lack of work; you are entitled to unemployment benefits for six months; you took out the Home Contents Insurance with Trygg-Hansa at least 12 months ago. Home Contents Insurance Trygg-Hansa s Home Contents insurance provides excellent protection of your possessions, both in and outside the home, and also covers rented and borrowed items. In addition, you get a personal insurance cover that protects you in case of illness while travelling, legal disputes and claims for damages. You can also extend your cover by adding the optional covers Extended Content insurance (Drulleförsäkring) and the Home Contents Tenant-Owner Flat insurance (Bostadsrättsförsäkring). Home Contents Tenant- Owner Flat Insurance (Bostadsrättsförsäkring) If you live in a tenant owners association, it is important that you have extended cover for real property, as you are responsible for maintaining your flat. Comprehensive Home Insurance The Comprehensive Home Insurance includes everything covered by the Home Contents Insurance as well as the house itself and the plot on which it is built. You can also extend your cover by adding the optional covers Extended Content insurance (Drulleförsäkring) and Extended Building Insurance (Utökad Byggnadsförsäkring).

10 Page 10 Optional covers Extended Building Insurance (Utökad Byggnadsförsäkring) Increased protection for your building, tenant-owner flat and your plot. Extended Content insurance (Drulleförsäkring) all risks insurance Extended Content insurance is a so-called all risks insurance. This means that the insurance covers normal everyday accidents. Extended Travel Insurance (Utökad Reseförsäkring) Extended Travel Insurance covers an unlimited number of trips throughout the year. If you have to cancel a trip, either because you had an accident or have become acutely ill, Extended Travel Insurance will cover any expenses you have already paid, such as your flight ticket, or the holiday home or apartment you have rented. Holiday Home Insurance To many people, a holiday home is an oasis where you can relax and have a good time. Since a holiday home is left unattended for long periods of time, the risk of burglary is obviously high. Trygg-Hansa s Holiday Home Insurance covers your buildings, your possessions inside these buildings and the plot on which they are built. The insurance also covers the removal of pests. You can extend your cover by adding the optional covers Extended Building Insurance (Utökad Byggnadsförsäkring/ Bostadsrättsförsäkring) and Extended Content insurance (Drulleförsäkring). Car Insurance Our car insurance products include Motor Third Party Liability Insurance, Fire and Theft Cover and Accidental Damage, Fire and Theft Cover. You can choose the cover that suits you best and add any optional extras you may need. The Fire and Theft Cover also includes Crisis Insurance and All Risks Insurance for Cars (Drulleförsäkring). Moped and EU moped MC For your dearest belonging, we have developed a cutting-edge insurance product which provides cover both when you ride the bike and when it is stored. The insurance also includes rescue cover in the event that you need roadside assistance. With our insurance it pays to drive carefully if you have a three-year claim-free record, you get a lower excess. About to move abroad? Obviously, we also have insurance products tailored for you who wish to study or work abroad. To find out more, please visit Take out the insurance already today! ST s customer service team at Trygg-Hansa is familiar with your membership offer and is ready to help you with any insurance questions you may have. Call us on +46 (0) You can also take out ST s insurance policies at

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12 Trygg-Hansa Försäkringsaktiebolag (publ) SE Stockholm Domicile: Stockholm Company registration number: We make sure that you and your family have the right insurance. If you would like to report a claim or if you have any questions about our insurance products, please call our special customer service team for ST members on: +46 (0) You can also find more information about our offers, prices and the scope of our insurance cover at: P

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