Private
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 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.
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, ergonomist, 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
- 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:
- 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.
| 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.
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
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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.
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