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.
- 24/7 medical advice via E-Healthcare service
- Specialist care within 7 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, ergonomist, 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.
24/7 medical assessment available every day
Through our app, employees can receive a medical assessment and a recommendation for appropriate care or treatment at any time, day or night. If needed, a doctor is available digitally via chat or video call. The doctor can also issue prescriptions for medications, refer for tests, or provide a referral to a specialist.
For psychological symptoms, you can book a phone consultation for an assessment directly in the app with one of our psychologists.
Meet a specialist in our authorized network
If the assessment determines that you need to see a specialist, we can typically arrange an appointment with a specialist clinic within 7 business days and surgery within 14 business days. We always recommend specialists from our accredited network, which spans the entire country.
Patient fees covered up to the cost ceiling
The insurance also reimburses patient fees within public healthcare up to the limit of the high-cost protection threshold.
Gold customers are always prioritized
As a Gold Customer, your case will always be prioritized over others when booking care or surgery.
Employee Assistance Program for all life questions
You also have access to our Employee Assistance Program, where you can receive free advice from a psychologist, financial advisor, lawyer, ergonomist, and health coach. If you are a manager or work in HR, you also have the option to get support in your professional role.
Learn more about our Employee Assistance Program.
Support is available on weekdays (excluding holidays) between 9:00 AM and 4:00 PM.
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
- Patient charges
- Physiotherapist
- Naprapath
- Chiropractor
- Acupuncture
- Osteopath
- Nutritionist
- Psychologist or psychotherapist
- Elimination of deductible in the event of acute injury abroad
- Counselling support
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:
- turned 16 but not 65 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.
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.
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.
- 24/7 advice via E-healthcare service
- Specialist care within 7 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, ergonomist, 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.
24/7 medical assessment available every day
Through our app, employees can receive a medical assessment and a recommendation for appropriate care or treatment at any time, day or night. If needed, a doctor is available digitally via chat or video call. The doctor can also issue prescriptions for medications, refer for tests, or provide a referral to a specialist.
For psychological symptoms, employees can book a phone consultation for an assessment directly in the app with one of our psychologists.
Meet a specialist in our accredited network
If the assessment determines that the employee needs to see a specialist, we can typically arrange an appointment with a specialist clinic within 7 business days and surgery within 14 business days. We always recommend specialists from our accredited network, which spans the entire country.
Patient fees covered up to the cost ceiling
The insurance also reimburses patient fees within public healthcare up to the limit of the high-cost protection threshold.
Gold customers are always prioritized
As a Gold Customer, your employees’ cases will always be prioritized over others when booking care or surgery.
Employee Assistance Programme (EAP) for major and minor issues in life
Your employees also have access to our Employee Assistance Programme (EAP), where they can receive free advice from a psychologist, financial advisor, lawyer, ergonomist, and health coach. If they are managers or work in HR, they also have the option to get support in their professional role.
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
- Physiotherapist
- Naprapath
- Chiropractor
- Acupuncture
- Osteopath
- Nutritionist
- Psychologist or psychotherapist
- Waiver of deductible in the event of acute injury abroad
- Counselling support
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.
Voluntary group scheme insurance
Voluntary group insurance can be taken out by individuals who:
- are aged 16 or older but under 65,
- are permanently residing and registered in Sweden,
- are entitled to compensation from the Swedish social insurance agency, and
- are employed at the time of signing up.
Mandatory group scheme insurance
An agreement for mandatory group insurance can be entered into by Swedish companies, associations, federations, or equivalent foreign organizations that have a permanent establishment in Sweden.
An individual can join mandatory group insurance under the following conditions:
- are aged 16 or older but under 65,
- are permanently residing and registered in Sweden or have their main occupation in Sweden, but are permanently residing in another Nordic country, and
- are entitled to compensation from the Swedish Försäkringskassan or its equivalent in the Nordic countries.
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.
| 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 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
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