Accident insurance

If you or a family member is injured in an accident, Hedvig compensate you for hospital stays, rehabilitation, therapy, or dental procedures. The insurance also covers permanent injuries that affect your work and quality of life.

A total of four criteria must be met in order for an accidental injury claim to be approved under the insurance terms and conditions: bodily injury, caused by a sudden, involuntary and external event. This can mean that events sometimes referred to as accidents do not always constitute a claimable injury under the applicable insurance terms and conditions, in which case compensation cannot be paid.

Examples include overexertion, injuries due to repetitive movement, and strain injuries. Accident insurance also does not cover food poisoning, or injuries caused by infectious agents such as bacteria or viruses.

The accident insurance covers up to 6 people (regardless of age). Personal identity numbers are not needed for co-insured persons when you sign up. However, to become a member and sign up for insurance you need to be at least 18 years old and registered in the Swedish Population Register. You get to choose how many people the insurance covers when you add it in the app.

Sure! The accident insurance covers up to 6 people. Everyone who lives under the same roof is covered, without the hassle of paying several separate bills. Just choose how many people the insurance should cover when you add it in the app.

The insurance applies at all times, all over the world — with a few exceptions. For example, it does not cover hospital stays or dental injury expenses outside the Nordic countries if you are away for more than 12 months. However, our home insurance includes travel coverage for the first 45 days of a trip.

Keep in mind that the maximum total compensation is 1 million SEK. However, from the age of 46 the compensation is reduced with 50,000 SEK per year until the age of 65. After 65 there is no coverage for reduced working ability/financial disability or permanent injury/medical disability.