Q & A

You often come across the term price base amount (pba) when talking about insurance. For example, the amount of compensation might be shown in the number of price base amounts, rather than in kronor. The level of the price base amount is set by the government once a year. This means that your compensation won’t always be the same amount in kronor as when you took out your insurance but is adjusted in line with price trends.

To cancel an insurance policy contact us by filling in the form or by calling us at 0771-111 999. If you call us to cancel an insurance policy you must be able to identify yourself using a mobile Bank ID. We will need to know your personal identity number or customer number, which insurance policy you want to cancel and when you want the insurance to end.

You can only cancel your own insurance policies. Your spouse, registered partner or cohabitant must cancel their policy.

If they call us to cancel an insurance policy they will need to identify themselves using a mobile Bank ID. We will need to know their personal identity number or customer number, which insurance policy they want to cancel and when they want the insurance to end.

In insurance, premium simply means price. It is the actual cost of your insurance.

You must be a member of one of the following unions: Sveriges Ingenjörer (Swedish Association of Graduate Engineers), Akademikerförbundet SSR, (Union for Professionals), Naturvetarna (Swedish Association of Professional Scientists), DIK (union for culture, communication and the creative sector), Sveriges Arbetsterapeuter (Swedish Association of Occupational Therapists), Logopedförbundet (Association of Speech and Language Pathologists) or Sveriges Farmaceuter (union for pharmacists and dispensers).

If your spouse, registered partner or cohabitant is a member you can buy insurance on the same terms and for the same premiums as long as the person who is a member holds at least one insurance policy of their own.

If you have bought your home insurance through Akademikerförsäkring you are protected while travelling anywhere in the world for 45 days. The policy pays for costs incurred if you have an accident or become ill. If you want to be sure that your insurance will apply you can check with the Swedish Foreign Office (UD) that your policy offers protection in the country you are visiting. Remember to check what your personal insurance policies cover when you are abroad, and that it can a good idea to buy travel insurance.

Some policies do not require a health declaration and come into force the day after we receive your application.

The same is true for insurance policies that apply if you are fully fit for work. Other policies require you to fill in a health declaration. If there is anything the insurance company needs to assess we will send your application on to the relevant instance. If your application is accepted the insurance will be valid on and from the date after which you sent in your application.

Fully fit for work is a term which is often used when you buy insurance. Being fully fit for work means that the insured person:

• Can fulfill their normal work without exception

• Does not receive any benefits related to their own illness, injury or disability, or does not have such benefits pending

• Does not carry out work tasks which have been especially adapted, and is not employed in a subsidized pay scheme or similar.

If you leave your union your insurance will continue to be valid as before if you have been insured for longer than six months. The difference is that the premium, the sum you pay every year for the insurance, will be higher. We will send you an insurance statement by post where you can see clearly how your premium has changed. You cannot increase the sum insured in your policies or buy new insurance policies from us if you are no longer a member of any of our affiliated unions.

This is the date on which the insurance comes into force.

This is the date on which the insurance agreement ceases to apply. Your insurance continues after this but the terms and premium may be changed. You will receive notification of any change at least one month beforehand.

If you pay by direct debit the money is automatically taken from the account you have registered. You choose whether you want to pay for your insurance once a month, quarter, half-year or year.

The easiest way to register a direct debit and the payment period is via Mina sidor. Log in with your Bank ID and click on Min profil.

If you pay by e-invoice the invoice will be sent to your internet bank electronically. You will then need to authorise each payment before the money is taken from your account. To register payment by e-invoice log in to your bank and select Akademikerförsäkring as the e-invoice supplier. You will then pay per quarter, but you can contact us if you would like a longer payment period.

If you pay by bank transfer you will receive your invoices by post. Each printed invoice costs 35 kronor. You choose the payment period by logging in to Mina sidor. You cannot pay per month if you choose a bank transfer invoice.

Please note: You cannot use both direct debit and e-invoicing. If you register both we will switch to direct debit.

You don’t need to do anything. We won’t take any more money from your account after your insurance has been cancelled.

Yes. But you can still register direct debit or e-invoice on Min profil. We’ll use the new payment method you’ve chosen starting from the next time.

No. If you want to cancel a policy or change it in any way you need to contact us. We’ll send you a new invoice for the correct amount.

If you don’t pay your e-invoice or invoice we’ll send you a reminder with a reminder fee of 40 kronor. All reminders are sent by post, which means that even if you pay by e-invoice or direct debit you’ll receive a printed invoice. Your next payment will be deducted via an e-invoice or direct debit as usual.

How long you’ll need to pay for the insurance depends on the insurance agreement. Some policies can be cancelled immediately while others have a longer fixed time.

Non-life insurance can be cancelled on the main due date, unless you no longer need insurance, in which case you can cancel it earlier.

If you want to cancel a personal insurance policy which is paid by direct debit, we will take the final payment three working days before the last day of the month. If we have already taken the money this will be the last payment we take. The direct debit agreement will then be cancelled.

The amount will be credited and deducted from the next payment. If you would prefer us to repay the money you can contact us.

No. If you don’t pay your invoice you will be sent a reminder. If you don’t pay after you receive the reminder your policy will be cancelled.

If you pay by direct debit you will normally pay every month, but you can choose to pay monthly, quarterly, half-yearly or yearly. If you choose to pay by invoice or e-invoice you can choose to pay per quarter, half-year or year. The easiest way to change you payment period is via Min profil.

We charge a fee of 35 kronor for each printed invoice we send. The fee is to cover our administrative costs, as well envelopes, printing and postage. The invoice fee is added to the fee for your insurance. You can change to direct debit at any time.

As a new member you’ll get four kinds of insurance free of charge for three months:

Life insurance amounting to 10 price base amounts (483,000 kr, 2022). The amount is paid out to your family if you die. The people who will receive the money are your spouse/registered partner/cohabitant in the first hand, followed by your heirs. You can decide who will receive the money by writing a beneficiary assignment.

Accident insurance amounting to 40 price base amounts (1,932,000 kr, 2022) provides protection round the clock and compensation for injuries resulting from an accident. The insurance policy compensates you for, among other things, invalidity, medical and dental expenses, travel expenses, extra expenses, disfiguring scars, pain and suffering, rehabilitation and death as the result of an accident. It also provides incapacity compensation if you are unable to work as a result of the accident. The insurance also includes crisis insurance. There are no exclusions for high-risk activities or sports injuries. An infection resulting from a tick bite (TBE or Lyme Disease) is treated as an accidental injury.

Disability insurance 1,400 kr. Even if you’re sick, you still have to pay your bills. An important feature of our disability insurance is that it tops up some of the income you lose if you are off work because of illness for more than three months. Finding yourself in a personal crisis or suffering mental ill health or fatigue syndrome is not strange or unusual. And if you’ve been on sick leave for stress or fatigue it can take time to recover. One way to prevent this is to seek help from a psychologist, conversation therapist or health coach. We help you with this because the disability insurance contains health insurance with measures designed to prevent long periods of sick leave. The insurance also includes rehabilitation if you should become sick for a longer period of time so that you can return to work more quickly.

Incapacity compensation insurance amounting to 10 price base amounts (483, 000 kr, 2022). Incapacity compensation insurance gives you a lump sum if you cannot work due to illness or an accident. Whatever the reason – illness or accident – you will receive extra financial support. The only condition is that you have been off sick for at least 25 percent for at least 36 months during a five-year period. This applies regardless of the reason for your sick leave. This insurance also includes what we call ’event insurance’ which means that you will receive a lump sum if you should develop cancer or have a stroke or heart attack. It also includes expert help and conversation counselling. In addition, you will receive compensation if you are given a medical diagnosis.

If you want to make any changes you can do that on the web by logging in to Mina sidor, or you can contact us and we will help you.

For student members under the age of 45, student accident insurance and the Talk Support function A Thousand questions – one number is included in your membership at no extra cost. You can also buy a student home insurance policy.

The offer for students applies to student members of Akademikerförbundet SSR (Union for Professionals), Sveriges Arbetsterapeuter (Swedish Association of Occupational Therapists), DIK (union for culture, communication and the creative sector), Naturvetarna (Swedish Association of Professional Scientists), Sveriges Farmaceuter (union for pharmacists and dispensers), Sveriges Ingenjörer (Swedish Association of Graduate Engineers), Svenska Logopedförbundet (Swedish Association of Speech and Language Pathologists).

Send in your claim as soon as you can. You can do this here. Don’t hesitate to use our claims help "skadehjälpen" if you’re not sure what to do.

The insurance company assesses every claim. They are also responsible for handling and paying out compensation for claims. A number of companies provide insurance we offer: Moderna Försäkringar, Skandia, Svedea and Trygg-Hansa.

If it’s a personal injury, in other words a physical or psychological injury, you must fill in a claim form. 

If your personal property, for example your car, house or boat, has been damaged, contact the insurance company directly. 

The insurance company will send you a letter confirming that they’ve received your claim. The letter will tell you how to contact them if you have any questions or if there is anything you are not sure about.

The insurance company will then decide if you are entitled to compensation and if so, how much. When they have made their decision, they will send you a letter telling you what they have decided. If you are not entitled to compensation the letter will explain the reason and tell you what to do if you are not satisfied with their decision. At Akademikerförsäkring we are always here to support you and you can contact us if you have any questions.

That depends. Any expenses you have had in connection with the loss or damage will be reimbursed quickly. But in the case of more serious personal injuries it can take between one and two years after the injury occurred before you receive compensation. Compensation from a life insurance policy is paid out quickly.

Yes.

Yes, you should.

You should send in your claim as soon as you can. If you are seeking compensation for expenses, this should be done within three years from the time of the event, and an assessment of disability should also be made within three years from the time of the event.

It’s always a good idea to send in a claim if you have sought treatment for your injury. If you should have trouble in the future or if the injury doesn’t heal as it should, it’s good if you can show you sought treatment at the time.

Several of our insurance policies include crisis insurance, both for you and for your family. You can read more about the terms and conditions for each insurance policy or contact us and we will help you.

If your child is under 18, then you the parent should sign the claim form. If your child is over 18 and has mental capacity he or she should sign the form.