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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.

  • Medical advice
  • Specialist care within seven 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, 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.

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

Gold customers are always given first priority

As Gold customers, your employees receive an exclusive “Gold Customer” phone number, which means minimum waiting time when they call us. In addition, their cases will always be given priority when it comes to booking care and surgery.

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.

Counselling support for major and minor issues in life

Your employees also have access to our Employee Assistance Programme (EAP), which means access to free counselling from a psychologist, financial adviser, legal adviser or health coach. If they are managers or work in HR, they can also access support in their 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 (rehabilitation after surgery)
  • Travel and accommodation
  • Aid resources
  • Expenses for medicines
  • Patient charges
  • Employee Assistance Program
  • Physiotherapist
  • Naprapath
  • Chiropractor
  • Acupuncture
  • Osteopath
  • Nutritionist
  • Psychologist or psychotherapist
  • Waiver 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 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.

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.

The insurance can be purchased up to the employee’s 65th birthday.

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.


IncludedBronze   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




Manager and HR support




 

When the English version of a document does not exist, we link to the original Swedish version.

pre purchase informationopens in new window

Conditionsopens in new window


I would like to purchase this insurance for my employees

You purchase our insurance through insurance intermediaries.

Contact
your intermediary when you want to become a customer, get a quote or purchase
insurance from us.

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