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.
How do I cancel an insurance policy?
Log in to My pages in order to cancel an insurance 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.
How do I cancel my spouse’s, registered partner’s or cohabitant’s insurance?
You can only cancel your own insurance policies. Your spouse, registered partner or cohabitant can cancel their policy on My page.
If they call us to cancel an insurance policy they will need to identify themselves using a mobile BankID. 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.
What is a premium?
In insurance, premium simply means price. It is the actual cost of your insurance.
Who can buy an insurance policy from Akademikerförsäkring?
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.
What insurance do I need when I travel abroad?
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.
What happens when I’ve sent in my application for 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.
What does fully fit for work mean?
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.
What will happen to my insurance policies if I leave my union?
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.
What does ‘start date’ mean?
This is the date on which the insurance comes into force.
What is the main due date?
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.