Your path to the right care at the right time
Our Private medical insurance PrivatAccess Silver 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
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.
You have access to professional advice from our own nurses and psychologists, as well as specialist care 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.
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.
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.
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
You can purchase this insurance with or without quarantine. If the insurance is purchased with a quarantine period, the policy will not be 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.
If the insurance is taken out with a deductible, you pay it the first time you book an appointment with a healthcare provider for a new injury or illness.
In preparation for 2025, we are reviewing the terms, deductibles, and premiums for our insurance policies. We are doing this to continue offering an attractive insurance that you can feel secure and satisfied with. We are looking at how and how often the insurance has been used, and we are taking into account increased costs.
For policyholders with the Private Health Insurance PrivatAccess Silver, where the deductible is currently 500 SEK, the deductible will be adjusted to 750 SEK in connection with the contract renewal for 2025.
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 Silver 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.
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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.
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Manage your insurance matters in our app.
Get an insurance
Our insurances are purchased through insurance intermediaries.
Your path to the right care at the right time
Our Private medical insurance PrivatAccess Silver 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
- 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
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.
Patient charges up to the high-cost protection limit
The insurance also provides compensation for costs for patient charges within the public healthcare system, up to the limit for high-cost protection.
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
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
You can purchase this insurance with or without quarantine. If the insurance is purchased with a quarantine period, the policy will not be 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 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.
If the insurance is taken out with a deductible, you pay it the first time you book an appointment with a healthcare provider for a new injury or illness.
In preparation for 2025, we are reviewing the terms, deductibles, and premiums for our insurance policies. We are doing this to continue offering an attractive insurance that you can feel secure and satisfied with. We are looking at how and how often the insurance has been used, and we are taking into account increased costs.
For policyholders with the Private Health Insurance PrivatAccess Silver, where the deductible is currently 500 SEK, the deductible will be adjusted to 750 SEK in connection with the contract renewal for 2025.
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 Silver 2024-1 Pdf, 485.5 kB.
I would like to purchase this insurance for my employees
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