Security if you become ill and are unable to work
Receive a tax-free monthly payment if you are unable to work due to an accident or illness through our Disability insurance. Payments start after three months of absence.
- Reduces the loss of earnings
- Monthly payments
- Includes diagnostics payment
Your employer pays you sick pay for the first 14 days of you being sick. The Swedish Social Insurance Agency pays your sick pay after that.
That all sounds good. If it wasn’t for the fact that you only receive half of what you earn normally. And if you are unable to work for a longer period of time, that will make a huge difference.
That’s where a Disability insurance comes in handy, by protecting your income in the event of an accident or long-term illness.
Monthly Payments
The monthly payment is based on your ability to work and starts after three months of absence. I.e. if you are signed off sick to a minimum of 25 percent of the time, you would be paid 25 percent of the monthly amount.
The monthly amount is paid out for a maximum of 36 months or, alternatively, up until the day you turn 67 years of age.
A lump sum payment
A lump sum payment, a co-called diagnostics payment, is paid out if you were to be diagnosed with:
- cancer
- heart attack
- stroke
- surgery on the coronary artery
- surgery on the aorta
- surgery on cardiac valve
- kidney failure
- organ transplant
- Addison's disease
- motor neuron disease (ALS)
- multiple sclerosis (MS)
- Parkinson’s disease
- Alzheimer’s disease
- systemic lupus erythematosus (SLE)
The optional insurance amounts and payment periods can be found in your group agreement.
Compensation paid out from the insurance policy is tax-free.
You can purchase the insurance if you are part of a Euro Accident group agreement and
- are between 16 and 64 years of age
- live and are registered as residents in the Nordic region (excluding Iceland)
- have a right to claim benefits from the Swedish Social Insurance Agency or a Nordic equivalent.
The insurance can be purchased up until the day you turn 65 years of age.
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.
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 2023 Pdf, 236.3 kB.
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