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Private medical insurance

Private medical insurance PrivatAccess Gold

Your path to the right care at the right time

Our Private medical insurance PrivatAccess Gold policy gives you quick access to professional medical advice, planned care and surgery via private healthcare providers in Sweden.

  • Medical advice
  • Specialist care within seven working days
  • Scheduled operation or other treatment within 14 working days
  • Access to an online doctor 24 hours a day
  • Counselling support from a psychologist, legal adviser, financial adviser or health coach
  • Manager and HR support
  • Own direct phone line

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 private medical insurance, you can feel secure in the knowledge that you can quickly obtain the care you need.

We provide 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 can offer time with a specialist within seven working days and surgery within 14 working days.

Gold customers are always given first priority

As a Gold customer, you receive an exclusive “Gold Customer” phone number, which means minimum waiting time when you call us. In addition, your case will always be given priority when it comes to booking care and surgery.

For many symptoms, it is often sufficient to contact a GP to receive appropriate treatment, a prescription for medication or a referral. For this reason, the E-care service is included in your private medical insurance without deductible and at no extra cost. The service is open 24 hours a day, every day of the year.

Counselling support for major and minor issues in life

You also have access to our Employee Assistance Programme (EAP), which means access to free counselling from a psychologist, financial adviser, legal adviser or health coach. If you are a manager or work in HR, you can also access support in your professional role. Support is initially provided by phone.

The insurance comprises:

  • Medical advice
  • Care planning
  • Expanded healthcare
  • Specialist medical care
  • E-care service
  • Second opinion
  • Hospital care and surgery
  • Post-op care – medical rehabilitation after surgery
  • Travel and accommodation
  • Aid resources
  • Expenses for medicines and patient charges
  • Physiotherapist, naprapath or chiropractor
  • Acupuncture
  • Osteopath
  • Nutritionist
  • Psychologist or psychotherapist
  • Elimination 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

There is no deductible in this insurance policy.

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 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.

You can purchase this insurance up until your 65th birthday.

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.

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




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




Manager and HR support




 

Medical care online

Our E-care service

The service is included free of charge in your Private medical insurance. It is available 24 hours a day.

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.

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

Our Private medical insurance PrivatAccess Gold policy gives your employees quick access to professional medical advice, planned care and surgery via private healthcare 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 seven working days
  • Scheduled operation or other treatment within 14 working days
  • Access to an online doctor 24 hours a day
  • Counselling support from a psychologist, legal adviser, financial adviser or health coach
  • Own direct phone line
  • 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

Gold customers are always given first priority

As Gold customers, your employees receive an exclusive “Gold Customer” phone number, which means minimum waiting time when they call us. In addition, their cases will always be given priority when it comes to booking care and surgery.

Always access to a GP

For many symptoms, it is often sufficient to contact a GP to receive appropriate treatment, a prescription for medication or a referral. For this reason, the E-care service is included in the private medical insurance without deductible and at no extra cost. The service is open 24 hours a day, every day of the year.

Counselling support for major and minor issues in life

Your employees also have access to our Employee Assistance Programme (EAP), which means access to free counselling from a psychologist, financial adviser, legal adviser or health coach. If they are managers or work in HR, they can also access support in their professional role. Support is initially provided by phone.

The insurance comprises:

  • Medical advice
  • Care planning
  • Expanded healthcare
  • Specialist medical care
  • E-care service
  • Second opinion
  • Hospital care and surgery
  • Post-op care (rehabilitation after surgery)
  • Travel and accommodation
  • Aid resources
  • Expenses for medicines
  • Patient charges
  • Employee Assistance Program
  • Physiotherapist
  • Naprapath
  • Chiropractor
  • Acupuncture
  • Osteopath
  • 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.

Deductible

There is no deductible in this insurance policy.

Quarantine

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 you have 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




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




Manager and HR support




 

I would like to purchase this insurance for my employees

You purchase our insurance through insurance intermediaries.

Contact
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.

Watch the film

This is Private medical insurance PrivatAccess

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