Student IN

The Swedish States Insurance for Foreign Students in Sweden

Terms and Conditions of Insurance, 01/01/2015

[Title 3]

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All students in Sweden are currently covered by the

personal injury insurance (the general
student insurance) that is obtained on behalf of universities
and colleges within the State insurance system by the
The Swedish Council for Higher Education (UHR). The insurance applies
in Sweden during school hours
and during travel to and from the location where
school hours are spent.
Many of the foreign students in Sweden have not had the
possibility to take out insurance for
illness and for accidents during leisure time.
The Student IN insurance policy provides foreign
students with cover for medical expenses. It
also contains a certain amount of accident cover in the form of a
fixed amount in conjunction with disability or death,
as well as liability and legal expenses cover. It applies
at twenty-four hours a day within the Schengen area.

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Table of Contents
1 Scope, definitions and deductibles ............................................................................ 4
1.1 Who is covered by the insurance? .......................................................................... 4
1.1.1 Group insurance policy ......................................................................................... 4
1.1.2 Individual insurance policy ................................................................................... 4
1.2 When and where does the insurance policy apply? .............................................. 4
1.3 Definitions ................................................................................................................. 5
1.4 Deductibles ............................................................................................................... 7
2 Insurance cover ............................................................................................................ 8
2.1 Disability and death benefits ................................................................................... 8
2.2 Medical and dental care cover ................................................................................ 9
2.3 Home transport cover ............................................................................................ 10
2.4 Property cover ......................................................................................................... 10
2.5 Liability cover .......................................................................................................... 15
2.6 Legal expenses cover ............................................................................................. 16
3 Insurance claim .......................................................................................................... 17
4 General terms and conditions ..................................................................................18
4.1 Other insurance ......................................................................................................18
4.2 Limitations period ...................................................................................................18
4.3 Subrogation .............................................................................................................18
4.4 Policy term and termination ..................................................................................18
4.5 Repayment of premium .........................................................................................18
4.6 Premium adjustment ............................................................................................. 19
What should the insured person do? .......................................................................... 19

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1 Scope, definitions and

deductibles
1.1 Who is covered by the insurance?
1.1.1 Group insurance policy
When a university or a college has obtained this insurance as a group
insurance, the cover applies to all foreign students who are accepted to,
and undertake, higher education or graduate studies at the university or
college. Exchange student refers to a student who studies or undergo
internship in Sweden, in accordance with an exchange or acceptance
agreement between the Swedish educational institution and a foreign
educational institution.

1.1.2 Individual insurance policy

A university or a college may obtain this insurance for an individual
student who will be studying or undergo internship in Sweden, in cases
where this does not occur in accordance with an agreement between the
educational institutions pursuant to section 1.1.
The following information must be included in the application:
the students name and personal identity number or date of birth
requested policy term
invoice address, invoice reference number and contact person at the
authority.

1.2 When and where does the insurance policy apply?

The insurance applies during direct travel between the home country and
Sweden, during the education period in accordance with the LADOK or
equivalent system, as well as two weeks prior to the start of studies and
two weeks after the end of studies.

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The individual insurance is applicable for an agreed-upon policy term.

The insurance applies twenty-four hours a day in the Schengen region,
provided the insured person holds a Schengen Visa issued by a Swedish
mission abroad. If the insured person does not have a Schengen Visa, the
insurance is only applicable in Sweden.
The insurance is also applicable during the summer, as long as the insured
person continues their studies at the university/college after the summer
holidays.
Item 2.4 concerning property cover is only applicable in Sweden.
The following countries are included in the Schengen area: Belgium,
Denmark, Estonia, Finland, France, Greece, Iceland, Italy, Latvia,
Liechtenstein, Lithuania, Luxemburg, Malta, the Netherlands, Norway,
Poland, Portugal, Switzerland, Slovakia, Slovenia, Spain, Sweden, the
Czech Republic, Germany, Hungary and Austria.
The insurance is not applicable if the insured person is in their home
country for reasons other than studies or work placement as part of their
studies/internship at the university/college in Sweden.

1.3 Definitions
Authority
Authority refers to the State authority that has taken out the insurance
policy.
The insured person
The insured person refers to the person covered by the insurance.
Start of studies
Start of studies refers to the start of term, course or time when teaching
at the educational institution begins. Introductory courses, language
courses and similar preparatory activities arranged by Swedish
educational institutions are included in the education period.

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End of studies
End of studies refers to the end of term or course when the teaching or
internship period is concluded. The examination or test period directly
connected with the study or internship period is included in the
education period.
Cohabitant
Cohabitant is as defined in the Swedish Cohabitees Act (2003:376).
Base amount
Base amount refers to the price base amount as defined in Chapter 2,
Section 7 of the Social Insurance Code.
Accident
Accident refers to bodily injury caused by an unintentional and sudden
occurrence involving external force against the body. Strain or abrasion
injuries are not considered as accidents. The same applies to heart
attacks, cerebral haemorrhages and similar, as well as illnesses caused
by bacteria, viruses or other infectious matter, which have not occurred
or arisen in connection with a sudden and unintentional occurrence
involving external force against the body.
Accidents are also considered to include illness or injury caused by a
biological or chemical agent, if it is probable that some person has
intentionally spread the biological or chemical agent in order to cause
illness or accident to people. Should the illness or injury not emerge until
after the policy term, the issue of whether the illness or injury is to be
considered to have affected the insured during the policy term will be
based
on the opinion of a medical expert.
Injury in the event of chewing or biting will not be considered an injury
caused by an accident.

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Emergency medical care

Medical care for symptoms that appear suddenly during the policy term,
for which the insured person must seek medical attention within a few
days.
Emergency dental care
Emergency dental care resulting in the patient becoming free of pain and
infection, provisionally filling in any visible gaps and ensuring there is
an adequate chewing surface.
Personal property
Personal property refers to property that the insured person is carrying,
has borrowed from a private individual, or purchases or rents during the
journey for personal use.

1.4 Deductibles
No deductibles apply to this insurance, with the exception of item 2.4
Property cover, where the deductible is SEK 1,500.

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2 Insurance cover
2.1 Disability and death benefits
In the event of accidents that lead to a medical disability, the disability
benefit will be determined by the degree of the medical disability. In
cases of medical disability below 50 per cent, the capital is calculated on
10 times the statutory base amount. In cases of 50 per cent medical
disability, the capital is calculated on 20 times the statutory base
amount. If the accidental injury leads to death within 3 years, 1
statutory base amount will be paid to the estate, with deductions for any
amounts that may have been paid as disability benefits.
No compensation is paid for scarring.
The calculation is based on the statutory base amount for the year of
death. Where applicable, any amount paid out as disability benefit will
be deducted from the death benefit.
Instructions in the event of an assault
Assaults are to be immediately reported to the local police authority. The
insured person must produce evidence of such a report.
The insured person must exercise normal caution, i.e., if possible avoid
dangerous places and situations and otherwise do what may reasonably
be demanded to avoid being the victim of an assault or other injury. In
the case of negligence, the compensation will usually be reduced by half,
if circumstances do not indicate that the negligence was minor or of
minor significance in the insurance matter. If the negligence has been
particularly gross in nature, the right to compensation may be withheld
completely. The same applies if the insured person was under the
influence of alcohol, sleeping medication, narcotics, or other intoxicants,
or committed an intentional act which according to Swedish law may
lead to at least the imposition of a day-fine.

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2.2 Medical and dental care cover

The insurance reimburses necessary and reasonable costs for
emergency medical care or dental care if the insured person suffers
illness or accident during the policy term. For each such event, the costs
will be reimbursed for a period not exceeding ninety days from the first
contact with a care provider.
The insurance covers necessary and reasonable costs for emergency
care in connection with delivery, miscarriage or other serious
complications up to the end of the 28th week of pregnancy. In the event
of delivery prior to the 28th week of pregnancy (27+6), necessary and
reasonable costs for maternity and postnatal care are paid for no more
than ninety days. Other costs for care in connection with pregnancy or
delivery are not reimbursed.
The insurance covers emergency dental care up to a maximum of SEK
3,000 per year.
Medical and dental care must always be certified with original receipts.
The insurance will only cover medicines prescribed by a doctor.
Exceptions
The insurance does not cover medical consultations for symptoms or
illnesses that the insured person had before arriving in Sweden. If the
condition of the insured person deteriorates suddenly during their stay in
Sweden, the insurance will cover medical care until the condition is
stabilised, even if treatment of the illness continues.
The insurance does not cover additional costs in connection with medical
care or dental care. Examples of such additional costs include taxi costs,
unused tickets, etc. The insurance does not cover health examinations,
vaccinations, planned check-ups during pregnancies and other planned
medical/dental care. Tests for venereal diseases, without symptoms or
other indication of actual infection, will not be covered as emergency
medical care.
Compensation will not be paid for treatment by a chiropractor, naprapath
or other care provider outside the general health services. Chiropractic
treatment will however be compensated, provided it has been prescribed
by a licenced physician.

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Note
Emergency medical or dental care refers to the same concept as
immediate medical care as per Section 4 of the Health and Medical
Services Act (1982:763) and
immediate dental care Section 6 of the Dental Care Act (1985:125)
respectively.
Invoices from hospitals and similar institutions must not be addressed to
Kammarkollegiet, but directly to the insured person.

2.3 Home transport

The insurance reimburses necessary and reasonable additional costs
incurred for transport of the insured person to their home country due to
serious illness or extensive personal injury during the policy term. The
same applies to home transport of a deceased person.
The assessment of whether home transport is necessary is always made
by the treating physician in consultation with Falck Global Assistance or
Kammarkollegiet. Costs of home transport arranged by a party other
than Falck Global Assistance or Kammarkollegiet will not be
reimbursed.
The insured person must not contact Falck Global Assistance directly;
they must first contact Kammarkollegiet.

2.4 Property cover

Damage to, or loss of, personal property brought or acquired by the
insured person during the journey, will be compensated with an amount
not exceeding SEK 20,000. The property cover is applicable throughout
the policy term within Sweden. The deductible is SEK 1,500.
Limitations to the stated insured amount:
- property liable to be stolen, see below, maximum value SEK 10,000
- valuable documents (tickets, passports etc.) maximum value SEK 5,000
and

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- cash, maximum value SEK 3,000.

Property liable to be stolen:
- objects made entirely or partly from precious metal, real pearls and
precious stones;
- antiquities and works of art, pocket watches and wristwatches; and
- cameras, projectors, field glasses and telescopes, musical instruments,
mobile telephones and other electronic communication devices, GPS
equipment, computers, laptops, CD players, DVD players, amplifiers,
speaker systems, radio and television sets, video game consoles, as well
as parts and accessories for these items.
The insurance does not apply to the following:
1. Damage to, or loss of, cash, travel documents, articles made in whole
or in part of precious metals, real pearls and precious stones, antiques,
works of art, cameras, mobile phones, tablet computers, computers or
other electronic equipment with accessories, alcoholic beverages or other
delicate or valuable property liable to be stolen, if such property has been
left for transportation, registration or other form of storage.
2. Functional failures that occur, unrelated to any external damaging
event. Damage or functional failure caused by climate or environmental
impact (e.g. dampness, impact of sand, rust or dirt).
3. Damage through wear and tear, superficial damage such as dents
or scratches, which has no substantial impact on functionality.
4. Damage or loss that can be compensated through other insurance,
transportation companies, hotels, or similar.
5. Damage to sports equipment while in use.
6. Damage to, or loss of, a motor-driven vehicle, boat, aircraft, mobile
home or trailer, goods in transit, or injury to or loss of an animal.
7. Purchases, withdrawals or exploitation with the use of a stolen, cloned
or lost debit card, credit card, SIM card, or similar.
8. Apps or media files for computers, mobile phones, tablet computers, or
similar.

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9. Consequential loss or damage due, for example, to loss of property,

such as costs of telephone calls, travel, changing locks, taxi journeys, food
or lodging.
10. Property belonging to a Swedish higher education institution (a
Swedish public authority), a foreign higher education institution, a
company or other legal entity.
11. Property that has been left behind, lost or misplaced, even if this has
led to the theft of such property.
Note
Delicate articles and valuable property liable to be stolen should be
carried as hand luggage. The insured person should keep in mind that
theft from checked-in, locked bags does occur. Kammarkollegiet will
assume title to lost property which Kammarkollegiet has replaced. If any
property that has been replaced is found, the insured person must notify
Kammarkollegiet thereof.
Instructions
The insured person must attach certification that a report has been filed,
pursuant to the following: Thefts are to be immediately reported to the
local police authority. Thefts from a hotel must also be reported to the
hotel. Damage to, or loss of, transported baggage is to be reported to the
transportation company. In the first instance, any liability,
undertakings, or offers on the part of the hotel or transportation
company are to be called upon and claimed.
Duty of care
The insured person must exercise normal caution, i.e. must handle and
keep the property safely and otherwise do what can reasonably be
expected to avoid theft or other damage/loss. All windows and doors must
be closed and locked if no-one is at home. Leaving money in a hotel room,
leaving a bag or technical equipment unsupervised or leaving property
liable to be stolen in a car, will usually be regarded as negligence. The
insured person must lock money, valuable documents and travel
documents in a safe or similar when staying in a hotel.
In cases of negligence, the compensation is usually reduced by half,
unless circumstances indicate that the negligence was minor or of minor

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significance in the insurance matter. The same applies if the insured has
not reported the loss to the police or attempted to mitigate the loss. If the
negligence has been particularly gross in nature for example, if a bag
has been left unsupervised during a visit to a restaurant or hotel dining
room the right to compensation may be withheld completely.
Compensation and valuation rules
In the event of damage to property, proven costs of repair will be
reimbursed with an amount corresponding to the propertys value prior
to the damage.
In the event of loss, the market value of the property prior to the loss will
be reimbursed.
Original receipts for the lost or damaged property must always be sent to
Kammarkollegiet.
The property is valued in the following way:
A. Newer property where less than a year has elapsed from the
purchase date. Compensation is payable at 100 % for the repurchase of
equivalent property.
B. Older property where more than a year has elapsed from the
purchase date. Compensation is paid after a percentage deduction from
the current price as new for equivalent property as specified in the table
below.
No compensation will be paid for property over 6 years old. For watches,
however, compensation of 20% of the value will be paid for items older
than 6 years.
C. For consumable items such as cosmetics, perfume, drugs, hygiene
articles and underwear, compensation is paid for 50 per cent of the price
as new.
D. For property not included in the table below, the propertys value prior
to the loss or damage consists of the repurchase price minus deductions
for age and use. Deductions for age and use are made at 10 per cent per
year, from the start of the second year after purchase, up to a maximum
of seventy per cent.
E. Precious metal, real pearls and precious stones are compensated at
100% for the repurchase of equivalent property. However, the maximum
compensation amount is SEK 10,000.

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The compensation amount is always subject to a deductible of SEK 1,500

per claim.
Compensation as percentage of current price/value:

Age
Property

01
years

12
years

23
years

34
years

45
years

56
years

Spectacles

100

60

50

40

20

20

Watches

100

85

75

65

55

40

Bicycles

100

85

65

55

45

40

Skiing and golf

equipment
CDs, DVDs, video
games
Cameras

100

85

65

50

40

20

100

50

50

50

40

30

100

75

65

50

40

30

Radio, stereo, TV

100

75

65

50

40

30

DVD player

100

75

65

50

40

30

GPS

100

60

55

40

30

20

Mobile telephones

100

60

55

40

30

20

Computer

100

60

55

40

30

20

Clothes, shoes,
100
boots, suitcase,
handbag, wallet,
backpack,sunglasses

60

50

40

30

20

Technical equipment purchased at blocket.se, tradera.se or similar website

will be compensated with no more than SEK 2,000. A receipt or bank

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statement certifying the purchase must always be attached to the

insurance claim.

2.5 Liability cover

In the event that the insured person is subject to a damage claim due to
an event that has occurred during the policy term, Kammarkollegiet
undertakes vis--vis the insured to:
1.

investigate whether any damage liability exists;

2.

negotiate with the other party;

3.

represent the insured person in court or arbitration proceedings and to pay the litigation or
arbitration costs that the insured incurs or is ordered to pay, and which cannot be obtained
from the other party or a third party;

4.

pay the damages that the insured is liable to pay according to applicable tort law, although
not exceeding SEK 3,000,000.

The insurance does not apply to the following:

1.

damage claims against the insured person as owner, user, or driver of a motor vehicle, a
boat, or an aircraft;

2.

damage claims covered by the vicarious liability of the employer

3.

damage/loss that has occurred in connection with the perpetration by the insured of a
criminal act that is punishable by imprisonment according to Swedish law.

However, the insurance does cover damage claims from a third party other
than the car rental company/car owner, against the insured person as the
driver of a rented or borrowed car, provided that the claim is not covered
by the cars third party liability insurance or other equivalent insurance.
Note
The insurance coverage is not limited to claims against the insured person
as a private individual. This means that it also covers claims against the
insured person as a student or trainee.

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The insurance also covers damage claims against the insured person
within the relationship between the insured person as a tenant and a
landlord.
Instructions
Kammarkollegiet is not bound by any advance undertaking on the part of
the insured person to compensate any loss, admit liability in damages, or
approve compensation claims. Where claims are made, the insured
person is to refer to the liability insurance with Kammarkollegiet. The
insured should note the name, address, and telephone number of
witnesses and other persons who can provide information regarding the
event.

2.6 Legal expenses cover

If the insured, as a private person, makes a damage claim against
another party due to an event that has occurred during the policy term,
the insured person will be compensated for reasonable costs of legal
counsel, unless these can be obtained from the other party or a third
party. In addition, when applicable, any litigation costs that a court may
order the insured to pay to the other party will be reimbursed.
The insured is primarily to retain a Swedish attorney as counsel. In the
event of a dispute abroad, the insured person is to retain the services of
counsel appointed by Kammarkollegiet.
The claim must exceed SEK 15,000.
The maximum compensation amount is SEK 200,000.

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3 Insurance claim
Insurance claims must be submitted on a special form, which can be
obtained from the Kammarkollegiet website www.kammarkollegiet.se.
The insurance claim must be signed by both the insured person and the
Authority. In addition, the party requesting compensation must:
1. in the event of theft or assault, enclose proof that a report has been
filed with the local police;
2. submit a detailed compensation claim and enclose receipts or other
certificates;
3. if the same damage/loss is covered by other insurance, inform
Kammarkollegiet thereof; and
4. at the request of Kammarkollegiet, provide information and submit
medical certificates and other documents requested by Kammarkollegiet
to adjust the claim, and assist in the inspection of the damaged property.

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4 General terms and

conditions
4.1 Other insurance
With the exception of the disability or death benefits, this insurance
compensates damage/loss or costs only to the extent that they cannot be
compensated under other insurance, Ordinance or Act.

4.2 Limitations period

The right to compensation will cease three years after the date of the
damage/loss if no claim has been received by Kammarkollegiet prior to
such date. In the matter of liability cover, the date of damage/loss is
considered to be the day on which any claim is made vis--vis the insured
person. In other cases, the date of damage/loss is the day on which the
event occurred, on which the insurance event is based.

4.3 Subrogation
To the extent Kammarkollegiet has paid compensation in respect of an
insurance event, Kammarkollegiet is to be subrogated the insured
persons rights against the party liable for the damage/loss.

4.4 Policy term and termination

Unless otherwise specified, the insurance term for a group insurance
policy is twelve months. Unless either party has given notice of
termination of the insurance not less than one month prior to the end of
the term, the insurance will be extended for another twelve months. A
personal insurance policy can be terminated by the Authority with
immediate effect.

4.5 Repayment of premium

If a personal insurance policy has been terminated by the Authority,
the premium is to be repaid with respect to the period following
termination. However, amounts of less than SEK 200 will not be repaid.

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Effectuated changes to the terms and conditions of a policy, e.g. a change

in the number of insured persons, do not entail any right to repayment of
premium.

4.6 Premium adjustment

Premium adjustment is applicable to group insurance policies where the
annual premium amounts to at least SEK 10,000.
The premium is adjusted annually, prior to each new policy term, in
respect of the claims incurred pursuant to the following:
70 percent of the premium is compared to the claims incurred
should the claim costs be higher, the following years premium is
increased by the percentage difference, though by no more than 15 per
cent;
should the claim costs be lower, the following years premium is
reduced accordingly, though under no circumstances to less than 50
percent of the original premium.
The reconciliation takes place two months prior to the new term. The
final comparison period is three years, although such will initially be 10,
22, and 34 months respectively.

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Incident/Injury

What should the insured person do?

For full terms and conditions,

refer to each respective
coverage in Student IN.
Emergency medical and
dental care

Should the insured person need to seek

medical attention or dental care in case of
an emergency, they may:
1. Cover the expense out of pocket
and save all receipts for costs
regarding to medical/dental care
and medicines. The insured person
must then, within 3 months of the
date of damage/loss, submit an
insurance claim to
Kammarkollegiet along with all
original receipts.

Home transport

If the insured person wants to return home

due to illness or accident, they must always
contact Kammarkollegiet prior to the
return journey.

Damage to or loss of private

property

In cases of property damage, the insurance

will primarily cover costs of repair. In such
cases, contact a repairer and save all
receipts. Then submit original receipts for
the repairs along with an insurance claim
form to Kammarkollegiet. If it is impossible
to repair the damage, or in the event of
theft, an insurance claim must be
submitted to Kammarkollegiet within 3
years of the date the damage/loss

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occurred. Attach original receipts for the

stolen property along with a police report.
In the event of damage to or loss of
property during transport, the damage or
loss must be reported to the transport
company.

Liability cover

If the insured person receives a damage

claim, they must contact Kammarkollegiet.

Legal expenses cover

If the insured person makes a damage

claim against another party, they must
contact Kammarkollegiet.