Staff Insurance
Karolinska Institutet provides comprehensive insurance coverage for its employees, including health, life, and accident insurance. This ensures that you and your family are well-protected and can focus on your research with peace of mind. On this page you can read about the personal insurance policies that you are automatically covered by in your role at KI, the insurance terms, as well as volontary insurance policies available.
Insurance for employees
KI has occupational group life insurance by SPV and a voluntary group insurance agreement by Skandia. Business travel insurance is administered by Kammarkollegiet, as is the URA insurance for those posted abroad.
Occupational injury insurance is administered by Försäkringskassan and as an employee you are also covered by PSA insurance by AFA Försäkring.
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.
Employees who have reached the age of 65 and who remain uninterrupted employed are covered by the insurance.
The insurance ends the day after you have ended your employment after turning 65.
In the event of death, it is the SPV that receives notification of the death from the Swedish Tax Agency (Skatteverket) and contacts the survivors, so that they can apply for survivor's pension and occupational group life insurance.
Survivor's pension - employed
If an employee has left government employment and dies within three months, a survivor's pension is available to the family. The survivor's pension only applies if the employee has not found a new job with similar benefits.
Survivor's pension - after retirement
If a pensioner who has been a government employee dies, the surviving family may be entitled to a survivor's pension. The survivor's pension is valid until the pensioner reaches the age of 75. If the pensioner dies after reaching the age of 75, it does not apply.
TGL does not apply on employees who have ended their employment after reaching the age of 65 and who are re-employed later on.
PSA - Occupational injury insurance for government employees
As an employee at KI, you are automatically covered by the PSA insurance, which is an occupational injury insurance if you should suffrer a personal injury at the workplace or when traveling directly to your home (travel accident). If you suffer a personal injury, you must report this to both Afa Försäkring (only in Swedish) and Försäkringskassan.
If, in connection with the injury, you have incurred costs for hospital treatment, medicines, travel to and from hospital, damage on clothes and glasses, it is important that you always save original receipts to be sent to AFA insurance. For more information, read the brief decription of Afa Insurance.
PSA insurance also applies if the employee performs work at home and the injury is work-related. Home means where you are registered, but also if the employee has a second remote workplace. In the latter case, the employer must have given the employee's consent to perform work at a second remote workplace, as appropriate, in an individual agreement on remote work.
Business travel insurance
KI has an agreement with Kammarkollegiet regarding service insurance. The administration at your institution can issue a digital certificate that shows that you are covered by KI:s business travel insurance. Please save your digital certificate on your phone or computer and take it with you on the business trip. On the certificate you will find the telephone number of Falck Global Assistans, who will guide you if anything should happen.
For travel to EU/EEA countries, you should take the European Health Insurance Card with you, which you can order from Försäkringskassan. Don't forget to check the validity of the card before you travel.
The business travel insurance provides coverage for all domestic and international business trips on behalf of KI. The cover applies throughout the entire period of absence from the place of employement or residence where the mission begins or ends.
Diners Club TAC travel insurance
When you book a trip and accommodation through KI:s contracted travel agency AMEX-GBT, you are covered by Diners Club TAC travel insurance, which is managed by Moderna Försäkringar. If you want to know more about their terms and conditions, you can find the pdf Diners Club TAC Travel Insurance Terms and Conditions at the bottom of this page.
If you have questions about the insurance or want to make a claim, please contact Moderna Försäkringar.
Contact: 010 - 219 12 90 or kort@modernaforsakringar.se
Karolinska Institutet travel insurance
Voluntary group insurance via Skandia
KI has an agreement with Skandia insurance company to offer voluntary group insurance. This insurance requires you to have an employment at KI and a social security number. The insurance includes life- and health insurance, security capital, accident insuranse and child insurance. You apply at Skandia. For some insurance policies, you may need to make a health declaration.
For more information
You can read about KI:s group insurance policies and how much they cost at Skandias website (only in Swedish) and by signing in at Skandia.
Sign in at Skandia
- Log in at Skandia's website with your mobile bank ID and enter the received SMS code
- Log in to KI:s voluntary group insurance agreement 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.
URA insurance
URA insurance is for those who are posted abroad on a URA contract. It includes personal injury cover (including accidents) that applies 24 hours a day as a posted worker.
KI has a group insurance policy for everyone posted under the URA contract. The URA group insurance also includes insurance for maternity and childbirth. Contact your local HR to obtain these e-signed certificates. These certificates outline what is included in the URA insurance and for maternity care and delivery.
Health care costs for employees, students and affiliates who do not have an EU card and come from outside the EU
Emergency medical and dental care
All employees, students and affiliated persons who do not have a Swedish social security number are covered by KI:s insurance for emergency medical and dental care for a maximum of 90 days. Applications are made to Kammarkollegiet, which decides on the amount of compensation.
Visits to medical centers and primary care
Employees, students and associated persons from the Nordic countries, EU citizens with an EU card and certain countries with which Sweden has agreements pay the same fees as Swedish citizens.
Employees, students and affiliated persons who do not have an EU card or come from outside the EU (third country) must pay their own costs for visits to medical centers and primary care according to the tariff that applies in Region Stockholm, see more information from 1177 Region Stockholm below. For this group, it is recommended that you take out your own insurance from your home country that covers non-emergency medical care.
Insurance for foreign visitors, FUB
FUB applies to foreign visitors, inclusive 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 person is in their 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.
The FUB insurance is extended
KI has now expanded the insurance for foreign visitors (FUB) with following two changes:
- that FUB includes employees at KI who are awaiting a Swedish social security number from the Swedish Tax Agency (Skatteverket).
- that FUB, where applicable, also includes family members such as spouses/partners and children of invited foreign visitors (including scholarship holders) and afflicates. By visitor is meant a person who participates in KI:s activities, but who is not employed.
Please note that FUB only covers for emergency medical or dental care and for a maximum period of 90 days. It covers medical care for symptoms or illnesses that the insured person has had before traveling to Sweden. It is important that third-country nationals have private insurance cover when arriving in Sweden and that EU citizens have their EHEC (EU) card with them.