Insurance for SULF members

Transcription

1 Insurance for SULF members valid from 1 January 2014 Take out insurance at

2 Fast help when you need it most Life is unpredictable. If anything should happen to you, you may need a financial safety net. Good group insurance is a thoughtful way of giving yourself and your nearest and dearest security if anything unforeseen should happen. The risks are shared by several people, which means you get good cover for a low premium. This is what you get Basic cover that can be supplemented to suit your exact requirements Access to simple self-service online Smooth claims handling. We can often settle claims straight away on the telephone The opportunity to co-insure your spouse or cohabitant You can find more information at Our insurance The need for insurance varies with your life situation. We offer insurance for all events in life and you can put together the insurance cover that is right for you. Accident insurance Most people have accident insurance through their job that applies during working hours. But many are not covered if they should have an accident during their leisure time. With our accident insurance you can enjoy cover, with no excess, that gives you compensation for disability, death, rehabilitation and medical and dental care, among other things. The insurance also covers you in the event of a crisis as a result of robbery, threat or assault that is reported to the police, the death of a close relative, long-term unemployment, severe illness or violence in the family. Violence in the family does not need to be reported to the police. You can receive compensation for up to ten visits to a psychologist or psychotherapist. You choose for yourself the amount of invalidity cover you wish to have and you can also insure your spouse or cohabitant. Life insurance Life insurance helps you provide financial security for your loved ones in the event of your death. It also provides cover if you develop a long-term illness. Death compensation is paid out both as a onetime lump sum and in monthly payments. It gives survivors time to cope with the new financial situation arising from bereavement. The insurance cover also includes life insurance for your children. If you are affected by long-term incapacity to work, you can receive a tax-exempt one-time amount known as income compensation. New for 2014 is counselling support that enables you to talk to a psychologist, economist or lawyer, for example, about work-related or private issues. You choose for yourself the amount of cover you wish to have and you can also insure your spouse or cohabitant. Price from SEK 28 per month Price from SEK 20 per month Health insurance Health insurance is designed to pick up where contractual compensation leaves off. When combined with sickness benefits, health insurance can help you recuperate up to 90 percent of your wages. The insured sum is tax-exempt, and is paid out on a monthly basis. The amount you receive depends on the policy you choose and your level of incapacity to work. With this policy, you may also receive a one-time lump sum known as diagnosis insurance in the event of a specific diagnosis such as cancer, stroke, meningitis or heart attack. You can also choose to have a personal rehabilitation programme organised by Svenska Re, which has a facility in Gran Canaria. Health insurance is valid until the age of 65 or until you begin collecting occupational pension. Price from SEK 25 per month Which insurance do you need? Go to for our quick test that will show you which insurance is best for you. 2 3

3 Child and pregnancy insurance Seniors insurance Children often have less insurance cover than we adults do. Certainly, many children have accident cover through their school or pre-school, but the amount of compensation is generally low and the coverage rarely applies during non-school hours or to children s illnesses. Our insurance covers both children and pregnancy 24 hours a day, from the tenth week of pregnancy up to the age of 25. During pregnancy, life insurance is included that covers the child, the mother and the father/partner. After the child is born, he or she is covered for both accidents and illness. You can choose the amount of invalidity cover from 20 to 50 price base amounts, as well as diagnosis insurance that gives compensation in the event of, for example, cancer and cover for health care costs. Child insurance from SEK 105 per month Family cover 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 premature death. Tax-exempt compensation is paid out an a monthly basis for five years, if you should die before the age of 65. You choose for yourself the amount of cover you wish to have and you can also insure your spouse or cohabitant. An approved declaration of health is always required when applying. Price from SEK 9 per month Medical care insurance Medical care insurance allows you to access specialist consultation and treatment immediately after you receive a referral from your general practitioner. You avoid waiting on healthcare waiting lists, no matter where in the country you live. You receive access to medical consultations, doctor s visits, operations, hospital stays, sessions with a psychologist, as well as rehabilitation and follow-up care. You will also be given the chance to try out your online health profile. This type of insurance offers a care guarantee. is provided if you are not contacted within three days and not receive care within 21 days. Seniors Insurance is for you if you have reached the cut-off age for insurance. Your policy will automatically transfer to senior coverage and you can retain the policy as long as you remain a senior member of the union. This policy includes life insurance, diagnostic insurance and accident insurance. However, if you have previously only had accident insurance, you will not receive life insurance or diagnosis insurance cover. Life insurance provides a one-time sum to the deceased s estate or survivors, and you can choose who will receive this sum. The amount to be paid out depends on the value of your chosen policy and your age. Diagnostic insurance provides a one-time sum should you be diagnosed with cancer, stroke or heart attack. Accident insurance provides compensation for disability, etc. and covers costs for doctor s visits, hospital expenses, dental injury and damage to personal effects resulting from the accident. Price from SEK 25 per month Take out your insurance at Price from SEK 99 per month Taking out insurance is quick and easy! Do you wish to take out insurance or increase your cover? The easiest way to do this is online:. You can also check what insurance cover you have online and read more about the various types of insurance. If you have any questions, you are always welcome to telephone our customer service on

4 amounts and prices Here is a summary of all the insurance types and prices Accident insurance Medical disability (up to) SEK 800,000 Additional expenses (up to)* SEK 158,840 Death resulting from an accident SEK 20,000 Trauma insurance Dental expenses Essential Casualty compensation Casualty compensation Sickness rehabilitation expenses SEK 20 Supplementary cover 1 Medical disability full time (up to) SEK 400,000 SEK 9 Supplementary cover 2 Medical disability full time (up to) SEK 400,000 SEK 9 Health insurance for sick leave Diagnostic insurance SEK 60,000 Monthly salary (up to) SEK 0-26,999 SEK 1,500 per month SEK 25 SEK 27,000-34,999 SEK 3,000 per month SEK 47 35,000- SEK 4,500 per month SEK 68 Child insurance Pregnancy Medical/financial disability Hospital visits SEK 350 per day, (max SEK 40,000 per year for up to 3 years Care at home SEK 350 per day, (max SEK 40,000 per year for up to 3 years Rehabilitation aids (up to)* SEK 133,200 Trauma support - also for parents and siblings (up to) 10 therapy sessions Doctor s expenses, travel expenses, dental expenses, damage to clothing Parent support Death compensation SEK 50,000 Medical/financial disability (up to) SEK 888,000 (20 pbb) SEK 1,332,000 (30 pbb) SEK 1,776,000 (40 pbb) SEK 2,220,000 (50 pbb) regardless of number of children SEK 105 SEK 142 SEK 189 SEK 235 Diagnostic insurance, compensation for specific diagnoses SEK 80,000 SEK 28 Medical care costs, compensation of Swedish Social Insurance Agency granted care contribution Max SEK 50,000 per year for up to 6 years SEK 11 Life insurance Death compensation Income compensation Survivor's cover SEK 3,000 per month for 2 years Children's group life insurance SEK 40,000 Counselling support Death compensation Income compensation Age Age SEK 266,400 SEK 266,400 SEK 28 SEK 55 SEK 444,000 SEK 266,400 SEK 39 SEK 88 SEK 444,000 SEK 444,000 SEK 48 SEK SEK 666,000 SEK 444,000 SEK 59 SEK * is based on the price base amount The price base amount for 2014 is SEK 44,

5 Family cover Monthly death compensation** Select the sum insured below Monthly death compensation** Age 0-35 Age Age SEK 3,775 per month for 5 years SEK 9 SEK 18 SEK 61 SEK 7,550 per month for 5 years SEK 18 SEK 36 SEK 122 Förenade Liv offers group insurance to individuals through employers and trade unions that represent them. We develop and offer compassionate insurance solutions and provide quick help when you need it the most. But the compassion doesn t stop there we actively work to both improve health and eradicate violence in our society with initiatives like our anti-violence campaign. Read more at forenadeliv.se. Medical care insurance (after referral) Doctor visits Patient fees up to the high-cost protection amount Hospital stays and operations Travel and lodging Follow-up care and rehabilitation Assistive devices Psychological treatment Online health profile (no referral required) Up to 10 sessions Seniors insurance Life insurance (up to) SEK 22,200 SEK 49 SEK 88,800 SEK 90 Accident insurance (up to)* SEK 222,000 SEK 25 SEK 440,000 SEK 39 Diagnostic insurance SEK 25,000 SEK 58 SEK 40,000 SEK 90 Age Age Age SEK 99 SEK 115 SEK 136 Read more about our anti-violence initiative at forenadeliv. se You can find all the information at * is based on the price base amount The price base amount for 2014 is SEK 44,400. ** is based on the higher price base amount The higher price base amount for 2014 is SEK 45,

6 This is a summary of information about our insurance policies. Certain policies are subject to health requirements, and compensation always depends on the terms and conditions of your policy. For more information go to forenadeliv.se FL (FLG-255) Förenade Liv Gruppförsäkring AB Stockholm kundservice@forenadeliv.se Customer service Telephone: Fax: