Group insurance
Accidental death and dismemberment insurance
Security for you in the event of an accident – 24 hours a day
Our accidental death and dismemberment insurance can provide compensation for your expenses in the event of an accident and trigger a tax-free, one-time payment if the accident leaves you with decreased bodily function or reduced capacity to work as previously. The policy can also provide compensation for diagnoses that are not normally covered by accidental death and dismemberment insurance.
- Compensation for expenses in the event of an accident
- Compensation for invalidity as a result of an accident
- Valid 24 hours a day
You can probably live with a small scar from a graze, but an injury after an accident can have consequences you may not have imagined – especially financial consequences.
Our insurance covers major and minor incidents and provides extra security.
Covers more than usual
Under our insurance, complaints such as frostbite, heat stroke and sunburn, infection from a tick bite, sudden torsional stress on the knee or a ruptured Achilles’ tendon, detached retina, sudden deafness, heart attack or stroke are also classed as accidental injuries.
In the event of an accident, compensation can be paid for:
- Medical expenses
- Dental expenses
- Travel expenses
- Additional costs
- Expenses for rehabilitation and aid resources
- Medical or financial invalidity
- Scars and cosmetic defects
- Crisis assistance
- Death
- Daily allowance
Compensation paid out under the insurance policy is tax free.
Voluntary group scheme insurance
Voluntary group scheme insurance can be covered by an individual who:
- have turned 16 years but not 65 years and
- have a permenent residence and are registred in Sweden and
- are entitled to compensation from the Swedish Social Insurance Agency.
Mandatory group scheme insurance
An agreement on mandatory group scheme insurance can be made by Swedish companies, associations, federations, or equivalent foreign organizations with a fixed establishment in Sweden.
An individual can be enrolled in mandatory group scheme insurance under the condition that they:
- have turned 16 years but not 65 years and
- have a permanent residence and are registered in Sweden, or have their main occupation in Sweden but are permanently resident in another Nordic country and
- are entitled to compensation from the Swedish Social Insurance Agency or its equivalent within the Nordic region.
If you are part of a group agreement with Euro Accident, you also have the option to purchase insurance for your spouse, partner, or registered partner.
This insurance applies up to and including the month of your 67th birthday, or until you are no longer covered by the group agreement for whatever reason.
Jessica (aged 37) falls off a ladder while picking apples and damages the anterior cruciate ligament in her left knee.
She has to have surgery to repair the damage to her knee. Jessica is off work for two months after the operation. Despite the surgery, her knee is still painful when she puts pressure on it, she feels insecure and suffers from reduced mobility.
In connection with the fall, she also broke her glasses (purchased for SEK 8,000 two and a half years ago).
Fortunately, Jessica has taken out accidental death and dismemberment insurance, which covered a large part of her expenses. The policy has an insurance sum of 30 price base amounts, equivalent to SEK 1,719,000 in 2024.
This is the compensation Jessica receives from her insurance
Medical consultation*: SEK 1,300
Medicines*: SEK 2,600
Transport for care and treatment**: SEK 2,400
Broken glasses: SEK 4,800
Daily allowance: SEK 6,600
Scar treatment: SEK 6,303
Medical invalidity: SEK 51,570
Total compensation: SEK 75,573
* Up to the high-cost protection limit.
** Travel is reimbursed up to the high-cost protection limit in each county councils. Max SEK 2,400.
Financial invalidity
Financial invalidity means a chronic reduction of the capacity to work as the consequence of an injury from an accident.
Insurance sum
The insurance sum for an insurance policy is the maximum compensation payable from this policy.
Group agreement
A group agreement is an agreement concluded between Euro Accident (the insurance provider) and a representative of a group – an employer, for example – concerning insurance for the members of the group. The group agreement states, for instance, which insurance policies the group members hold or can choose.
Medical invalidity
Medical invalidity refers to a chronic reduction of a bodily function as the consequence of an injury from an accident.
Accidental injury
Accidental injury refers to a bodily injury that the insured person suffers as the result of a sudden, involuntary and unforeseen external incident.
In this context “unforeseen incident” does not apply to complaints or difficulties the insured person was taking medicine and/or being treated for before suffering the accidental injury.
Accidental injury is also taken to apply to bodily injury caused by frostbite, heat stroke or sunburn, as well as to infection from a tick bite. Such bodily injuries are considered to have occurred on the day they appear. Accidental injury is also taken to apply to bodily injury caused by sudden torsional stress on the knee, or bodily injury comprising a ruptured Achilles’ tendon, detached retina, sudden deafness, heart attack or stroke.
Price base amount
The price base amount is the amount calculated on the basis of the changes in the general price level pursuant to the provisions of the Social Insurance Code (SFS 2010:110). Calculations are performed on the basis of changes in the consumer price index and set by the government for a whole calendar year.
When the English version of a document does not exist, we link to the original Swedish version.
Pre-purchase information and terms are collective documents for all group insurances.
The year indicates when the last change in conditions was implemented.
Pre purchase information Group Scheme Insurance 2024 Pdf, 263.8 kB.
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