Insurance terms Student OUT 2021
The insurance does not apply in countries where the Ministry of Foreign Affairs advises against all travel. If the Ministry of Foreign Affairs advises against all travel to a specific area in a country, the insurance does not apply in that part of the country. If the insured has started his or her outward journey before the advice has been issued, the insurance will continue to apply during a transitional period (max. 30 days), allowing the insured to leave the country and return to Sweden.
Group life insurance (TGL)
As a government employee you are insured through Tjänstegruppliv (TGL), an occupational group life insurance policy from SPV. The policy provides economic protection for your spouse, registered partner, cohabitant and children. The insurance is valid from the day you arrive at your workplace and as long as you are employed, until the age of 65. It is also valid when you are on vacation or sick leave.
Occupational injury insurance (PSA)
The insurance policy covers accidents at work, accidents to and from work, and diseases that are directly related to the work.
Insurance for foreign visitors, FUB
FUB applies to foreign visitors, incl. fellows, who have a connection to KI's activities and stay here for less than a year (ie lacking a Swedish social security number). The insurance is only valid for 364 days.
FUB is taken out as a group insurance that applies around the clock in Sweden and during travel that takes place directly between the home country and Sweden. The insurance does not apply if the insured is in his home country. The insurance also applies in the Schengen area if the insured has a Schengen visa.
The insurance covers emergency medical and dental care and home transport to the home country if necessary. The insurance does not cover regular checks or medications for illnesses that have occurred before the trip.
The insurance contains invalidity and death capital. In the event of an accidental injury leading to medical disability, an invalidity capital is paid in relation to the medical degree of disability. If the accidental injury leads to death within three years, a basic amount is paid to the estate.
The insurance also includes a liability cover if someone claims the visitor for damages for something the visitor did during the visit. It also contains a legal protection if the visitor claims someone for damages.
In addition, the insurance includes a property protection if the visitor gets rid of his private property during the visit. In the event of damage to property, the deductible is always 1500 SEK.
Voluntary group insurance
This insurance requires you to have an employment at Karolinska Institutet and a social security number. You sign it at Skandia. For some insurance policies require a health declaration.
Karolinska Institutet has an agreement with Skandia insurance company to offer a voluntary group insurance. You can buy insurance for you and your family as like: life- and health insurance, security capital, accident insurance and child insurance.
You log in to Skandia by entering agreement number 16142 and control code 6708. Once you have entered Skandia’s website you will find detailed information about the various group of insurance policies.
Business travel insurance
Karolinska Institutet has agreements with Kammarkollegiet concerning business travel insurance. You should bring the terms of this agreement when you travel, so you know what is applicable if you incur injury or damages.
When traveling to EU/EEA countries bring along the European health insurance card (EHIC), which you can request from Försäkringskassan.
When travelling to other countries you should bring the personal blue travel insurance card, which is issued by your department.
Diners Club Travel insurance
The Diners Club TAC insurance applies when you book your business trip and accommodation with our contracted travel agency, BCD Travel. This policy is applicable in the event of an accident or a baggage or transport delay.
Contact for questions or to file a claim
Tel: 010 – 219 12 90
The URA insurance covers KI-employees who are posted abroad on a URA-agreement. It contains a personal injury protection and an insurance cover that corresponds to the protection in a travel insurance. The terms of the insurance can be found at Kammarkollegiet.
KI has a collective insurance for everyone who is sent out according to the URA agreement. Contact your local HR administration for a signed and stamped certificate, which describes what the URA insurance covers.
Insurance coverage for scholarship holders
More information for logged in staff
There is more information for those of you working in the following groups
- K8.Department of Clinical Neuroscience