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Important changes to your insurance 2019

From January 1st we have a new collaboration with Skandia. This means better terms and conditions and lower premiums for most of our policyholders. If you have been insured with Movestic, your policies will be terminated, and the corresponding insurance will be signed with Skandia. The insurance policies of Trygg Hansa and Moderna försäkringar are not affected by this change. Read more about each insurance below.

NEW! Thousands of questions - One number

Thousands of questions - One number is a support system by phone that is included for those who have any of the following insurances:

  • Life insurance (Livförsäkring)
  • Sickness protection (Sjukförsäkring)
  • Incapacity compensation insurance with diagnosis insurance (Trygghetskapital)
  • Accident Insurance (Olycksfallsförsäkring)
  • Disability and Accident Insurance (Sjuk- och Olycksfallsförsäkring)
  • Child insurance (Barnförsäkring)
  • Student accident insurance (Studentolycksfallsförsäkring)

Receive support on everyday problems that may affect your health and long-term workability - from private issues related to stress to legal and financial matters.

Counseling- ‘’Thousand questions- one telephone number’’: Another benefit from 1st January is counseling through telephone. If you have any of the above policies with Akademikerförsäkring, you have free access to counseling about your everyday problems regarding work or privacy.

You get the opportunity to talk to an economist regarding any financial questions/problems, lawyer regarding family or other matter and a psychologist. You contact them through telephone and they have an obligation to observe silence. You may call this number 0771-65 50 50 if you have questions regarding severe diseases, divorce or death in family.

Accident insurance

An accident insurance covers your costs in case of an accident. It reimburses you for your medical and travel expenses, pain and suffering, rehabilitation and disability, and provides compensation for accidental death.

Most insurance policies that protect you during work and school do not apply when you are on leave or over the weekend. If you have an accident insurance with us you are insured in your home, out in the running trail, at the cottage and during your holiday.

Changes January 1, 2019

  • Now including compensation for financial invalidity, traffic injuries and infection from tick bites.
  • The insurance amount is raised from 1,800,000 SEK to 40 pba* (1,860,000 SEK).
  • Your premium increases from 60 to 62 SEK.
  • Your insurance expires at 67 years, but you continue to be insured through Trygg Hansa in a Senior Accident Insurance.
  • Skandia is the new insurer.

Disability and accident insurance

This is an extended accident insurance that will cover your expenses in case of accidental injury or illness. As with the accident insurance, it reimburses you for your medical and travel expenses, pain and suffering, rehabilitation and disability, and compensation for accidental death. However, unlike the accident insurance, the Disability and accident insurance also compensate you for medical invalidity and scarring. Most insurance policies that protect you during work and school do not apply when you are on leave or over the weekend. If you have a Disability and accident insurance with us you are also insured in your home, out in the running trail, at the cottage and during your holiday.

Changes January 1, 2019

  • Now includes compensation for financial invalidity, traffic injuries and infection from tick bites.
  • The insurance amount is raised from 1,800,000 SEK to 40 pba* (1,860,000 SEK).
  • Your insurance expires at 67 years, but you continue to be insured through Trygg-Hansa in a Senior Accident Insurance.
  • Skandia is the new insurer

Sickness protection (Sjukförsäkring)

A Sickness protection gives you extra income during long term sick leave. It covers some of the gap between the compensation you receive from Försäkringskassan, the union agreement and your ordinary salary.

Longer sick leave can affect your financial situation more than it has to. The insurance can be adjusted according to your income, but at the most it will be 90% of your salary. It does not matter if you are on sick leave due to an accident or through illness.

Changes January 1, 2019

  • The reimbursement period is extended from 48 to 60 months.
  • You also receive a Health insurance with rehab counselling, work life planning and reinforced medical support are included.
  • Possibility of reintegration after fully utilized health insurance. Crisis insurance in case of serious illness (Yourself, your spouse or child) is included.
  • The insurance amount is raised for those who are on reimbursement level 500 - 4,000 SEK.
  • Reduced premium for all.
  • Skandia is the new insurer.

Incapacity compensation insurance with diagnosis insurance

Your previous Optional Health Fund (tillval sjukkapital) is now registered as an Incapacity compensation insurance. The purpose of the incapacity compensation is to compensate the insured, in the event of a permanent or long-term reduced capacity for work, for a certain portion of lost income from employment in the future attributable to the illness or accidental injury. The insurance gives you a tax-free one-time allowance if you are permanently disabled. It does not matter if you are on sick leave due to an accident or illness.

Changes January 1, 2019

  • The previous Insurance Optional Health Fund has been terminated and you now have an Incapacity compensation insurance instead.
  • This insurance also includes a diagnostic moment that gives you a one-time payment of 1 pba* (46 500 SEK in 2019) if you suffer from a diagnosis covered by the insurance.
  • Another new segment is that the Incapacity insurance is its own product which you can have without a Sickness protection at the same time.
  • Higher level of compensation for the vast majority
  • Reduced premium for most
  • Skandia is the new insurer

Life insurance

A life insurance is death benefit that is paid upon the death of the insured during the insurance period.

Life insurance supports your survivors financially. You choose who you want to be the beneficiary for the payment. For example, it may be your partner, your children, a close friend or an organization. The payment is always tax-free.

Changes January 1, 2019

  • The life insurance now includes a child life insurance that will compensate you if your child dies before the age of 20.
  • At the age of 67, your life insurance will end, but you will then receive a senior life insurance policy which is valid until you are 80 years old.
  • We are introducing a decrease from the age of 60 where the initial insurance amount is reduced by 10% per annum. The insurance amount is reduced by no more than 50%.
  • If you have previously entered a special beneficiary (if you have changed the receiver of payment), this will not apply after January 1, 2019. You will need to update with a new beneficiary if you do not want the insurance amount to be paid out in the following order:
    a) spouse, registered partner, cohabitant or
    b) heirs
  • Download the form here
  • Skandia is the new insurer

Accident Insurance for students

As a student member you are insured via your professional association throughout your study.

Changes January 1, 2019

  • We have improved our terms and conditions
  • Newness! Talk support- a thousand question, one number
  • We have removed life insurance
  • We have increased the age for the policy from 40 to 45 years
  • Skandia is the new insurer

Child insurance started before 2016-02-01

The child insurance applies to sickness and accidents up to and including the year the child turns 25 years. The insurance will continue to apply even if your child moves away from home. Your partner's children are also covered if they are registered at the same address as the policyholder. The insurance includes a crisis insurance, for children aged 16-25, which offers ten hours of treatment by a psychologist in cases of assault, rape or the death of a parent or sibling.

Changes January 1, 2019

  • Better terms and conditions - Now including compensation for financial invalidity, traffic injuries and infection from tick bites. There is no longer an exception for risky activity or sport.
  • When the Child Insurance expires at 25 years, it is possible to sign up for a Health and Accident Insurance and Life Insurance without health requirements.
  • Skandia is the new insurer

Changes in the family – have you had an addition to the family or have the children reached 25 years?

  • For those with One child insurance - If you have a one child insurance and you have had more children, you need to notify us so that all your children have the right insurance coverage.
  • For those with a multiple children insurance - If you have a multiple children insurance and you now only have one child under 25, you need to notify us, so we can re-register for a one child insurance.

Child Insurance started after 2016-02-01

This insurance is covered by Moderna försäkringar. You will receive information regarding your policy from them information directly from them.

Health insurance

No changes in 2019. Trygg Hansa is the insurer.

Diagnosis insurance

No changes in 2019. Trygg Hansa is the insurer. 

Senior Accident insurance

No changes in 2019. Trygg Hansa is the insurer.

 

You are always welcome to contact us at Akademikerförsäkring if you have any questions about your policies.

*pba = price basic amount, in Swedish prisbasbelopp in short pbb