Private
Your path to the right care at the right time
Our Private medical insurance PrivatAccess Bronze policy gives you quick access to professional medical advice, planned care and surgery via private healthcare providers in Sweden.
- Medical advice
- Specialist care within 7 working days
- Scheduled operation or other treatment within 14 working days
- Patient charges within public healthcare up to the high-cost protection limit
It is important to us that you should not have to wait to get care if you fall ill or suffer an injury. We understand that you want to get fit and healthy, and to live your life as normal again. With our healthcare insurance, you can feel secure in the knowledge that you can quickly obtain the care you need.
Meet a specialist in our authorized network
If an assessment shows that you need to see a specialist, we can typically offer an appointment at a specialist clinic within 7 working days and surgery within 14 working days. We always recommend a specialist from our authorized network, available across the country.
Patient fees covered up to the high-cost protection limit
The insurance also reimburses patient fees within public healthcare up to the high-cost protection limit.
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 your travel or home insurance up to a value of SEK 5,000.
Deductible
You can purchase this insurance with or without deductible. If you have purchased the policy with deductible, you are required to pay the deductible once per diagnosis or once for several diagnoses that are medically linked.
Quarantine
The insurance is purchased with a quarantine period, which means that the policy is not valid for any complaint of which you have shown symptoms, for which you have received care, or for which you have taken medication before the insurance came into effect. If you have been free from symptoms for more than a year, the insurance may apply again.
You can purchase this insurance if you are covered by a group agreement with Euro Accident and:
You can purchase this insurance if you are covered by a group agreement with Euro Accident and:
- are 16 but not 65 years old, and
- permanently reside and are registered in Sweden, and
- are eligible for benefits from the Swedish Försäkringskassan, and
- are in active employment at the time of purchase.
If you are covered by a group agreement with Euro Accident, you also have the opportunity to purchase insurance for your spouse, cohabiting partner, registered partner or your children. They will then be co-insured with you.
The insurance applies until no later than the month in which you turn 67.
If the company pays the insurance premiums, 60 percent of the price will be considered a taxable benefit for you. If the company pays the premiums for a co-insured family member, 100 percent of the price will be considered a taxable benefit for you.
We offer private medical insurance policies with different levels of coverage: PrivatAccess Bronze, Silver and Gold.
| Included | Bronze | Silver | Gold |
|---|---|---|---|
Specialist medical care | |||
Hospital care and surgery | |||
Medical advice | |||
Psychologist or psychotherapist | |||
Nutritionist | |||
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 | |||
Acupuncture | |||
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 2025-1 Pdf, 187.2 kB.
Conditions Private medical insurance PrivatAccess 2025-1 Pdf, 495.3 kB.
My pages
Read about my insurance policies
On My pages you find an overview of your insurance policies. You see what is included and how to use your insurance. If you have coinsured family members, you will find their insurance policies too.
Use the app
Manage your insurance matters in our app.
Get an insurance
Our insurances are purchased through insurance intermediaries.
