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.
- 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
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.
Medical assessment available 24/7
Through our app, you can receive a medicalassessment and a recommendation for appropriate care or treatment at any time, day or night. If needed, you can consult a doctor digitally via chat or video call. You may also receive prescriptions for medications, referrals for tests, or referrals to specialist doctors.
If you're experiencing psychological symptoms, you can book a phone consultation directly in the app for an assessment with one of our psychologists.
Meet a specialist in our authorized network
If the assessment indicates that you need to see a specialist doctor, 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 up to the cost ceiling
The insurance also covers patient fees within public healthcare up to the limit of the high-cost protection threshold.
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:
- 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.
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 2025-1 Pdf, 187.2 kB.
Conditions Private medical insurance PrivatAccess Silver 202-1 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.
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.
- 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
- 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.
24/7 medical assessment
Through our app, employees can receive a medical assessment and a recommendation for appropriate care or treatment at any time of the day or night. If needed, a doctor is available digitally via chat or video call. The doctor can also issue prescriptions for medication, 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 authorized
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.
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.
Voluntary group scheme insurance
Voluntary group insurance can be taken out by individuals who:
- are at least 16 years old but under 65 years old, and
- are permanently residing and registered in Sweden, and
- are eligible for benefits from the Swedish Försäkringskassa, and
- are fit for work at the time of application.
Mandatory group scheme insurance
Agreements for mandatory group insurance can be entered into by Swedish companies, associations, unions, or equivalent foreign organizations with a permanent establishment in Sweden.
Individuals may be included in a mandatory group insurance policy if they:
- are at least 16 years old but under 65 years old, and
- are permanently residing and registered in Sweden or primarily employed in Sweden but permanently residing in another Nordic country, and
- are eligible for benefits from the Swedish Försäkringskassa, or its equivalent in the Nordic region, and
- are fit for work at the time of application.
If you are covered under a group agreement with Euro Accident, you also have the option to purchase insurance for your spouse, partner, cohabiting partner, registered partner, and 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 2025-1 Pdf, 187.2 kB.
Conditions Private medical insurance PrivatAccess Silver 2025-1 Pdf, 495.3 kB.
I would like to purchase this insurance for my employees
You purchase our insurance through insurance intermediaries.
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your intermediary when you want to become a customer, get a quote or purchase
insurance from us.
Our app
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All insured persons get an overview of their insurance policies and can easily handle their insurance matters in our app.
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This is Private medical insurance PrivatAccess
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