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.
