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Right care at the right time – so that your employees can keep doing what they do

Our Private medical insurance PrivatAccess Bronze policy gives your employees quick access to professional medical advice, planned care and surgery via private private medical providers in Sweden. They know that they can get help when they need it. You know that they won’t have to be off work longer than necessary.

  • Medical advice
  • Specialist care within 7 working days
  • Scheduled operation or other treatment within 14 working days
  • One of the most attractive employee benefits
  • Prevents and shortens costly sick leave

It’s always tough and costly when an employee has to take sick leave. His or her absence often becomes apparent in the form of extra expenses to keep the business running – along with reduced productivity. Employees who are ill and still come to work – “sick presence” – also contribute less than when they are healthy.

Important for your employees, too

A private medical insurance policy for your employees is an excellent tool for helping employees to get the right care at the right time when they need it. We also know that it is one of the employee benefits that is consistently rated highest among the desired benefits when people are choosing an employer.

You can pay the insurance for all your employees or offer coverage as an optional benefit.

Advice and appointments with a specialist if necessary

Your employees have access to professional advice from our own nurses and psychologists, as well as appointments with specialists in our authorised network, which covers the whole country.

We offer:

  • specialist care within seven working days
  • surgery or other treatment within 14 working days

Patient charges up to the high-cost protection limit

The insurance also provides compensation for costs for patient charges within the public healthcare system, up to the limit for high-cost protection.

The insurance comprises:

  • Medical advice
  • Care planning
  • Expanded healthcare
  • Specialist medical care
  • Second opinion
  • Hospital care and surgery
  • Post-op care (rehabilitation after surgery)
  • Travel and accommodation
  • Aid resources
  • Patient charges
  • Nutritionist
  • Psychologist or psychotherapist
  • Waiver of deductible in the event of acute injury abroad

The insurance applies for planned private care in Sweden. For acute care abroad, the policy covers the deductible in the travel or home insurance policy up to a value of SEK 5,000.


You can purchase this insurance with or without deductible. If you have purchased the policy with deductible, your employees are required to pay the deductible once per diagnosis or once for several diagnoses that are medically linked.


The insurance is purchased with a quarantine period, which means that the policy is not valid for any complaint of which the employee have shown symptoms, for which the employee has received care, or for which the employee has taken medication before the insurance came into effect. If the employee has been free from symptoms for more than a year, the insurance may apply again.

You can purchase this insurance for employees who are covered by a group agreement with Euro Accident and:

  • are aged between 16 and 64
  • live and are registered as resident in the Nordic region (excluding Iceland)
  • are entitled to compensation from Forsäkringskassan in Sweden or its equivalent in the other Nordic countries.

The insurance can be purchased up to the employee’s 65th birthday.

Employees who are covered by a group agreement with Euro Accident also have the opportunity to purchase insurance for their spouse, cohabiting partner, registered partner or their children. These people will then be co-insured with the employee.

The insurance applies until no later than the month in which the employee turns 67.

If the company pays the insurance premiums, 60 percent of the price will be considered a taxable benefit for the employee. If the company pays the premiums for a co-insured family member, 100 percent of the price will be considered a taxable benefit.

We offer private medical insurance policies with different levels of coverage: PrivatAccess Bronze, Silver and Gold.

IncludedBronze   Silver  Gold

Specialist medical care

Hospital care and surgery

Medical advice

Psychologist or psychotherapist


 Patient charges

Travel and accommodation

Post-op care – medical rehabilitation after surgery

Aid resources

Second opinion

Expanded healthcare

E-care service

Physiotherapist, naprapath, chiropractor or Osteopath


Expenses for medicines

Treatment of infections in eye, ear-nose-throat and resperatory system

Counselling support from a psychologist, legal adviser or financial adviser

Health coach, ergonomist

Manager and HR support

When the English version of a document does not exist, we link to the original Swedish version.

The year indicates when the last change in conditions was implemented.

Pre purchase information Private medical insurance PrivatAccess 2024-1 Pdf, 182.9 kB.

Conditions Private medical insurance PrivatAccess 2024-1 Pdf, 485.5 kB.

I would like to purchase this insurance for my employees

You purchase our insurance through insurance intermediaries.

your intermediary when you want to become a customer, get a quote or purchase
insurance from us.

Our app

Manage and use insurances easier

All insured persons get an overview of their insurance policies and can easily handle their insurance matters in our app.