Accident

If you or a family member is injured in an accident, Hedvig is available to compensate you for i.e. a hospital stay, rehabilitation, therapy or dental injuries. 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, sudden, involuntary and external event. This may 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.

Some examples of what’s not an accident injury can be overwork, unilateral movement or wear and tear. This also includes injuries caused by infection by bacteria, viruses or other infectious agents and food poisoning.

The accident insurance covers for up to 6 people, adults and kids regardless of age. Social security numbers won’t be needed on co-insured persons when you sign up. Hedvig trusts you. However, to become a member and subscribe for insurance you need to be at least 18 years old and registered in the Swedish Population Register. You choose how many people the insurance should cover when you add it in the app.

Sure thing! The accident insurance covers for up to 6 people. Only one bill to pay but the insurance applies to everyone who lives under the same roof. Just choose how many people the insurance should cover when you add it in the app.

The insurance applies at all times all around the world with a few exceptions. I.e. The insurance does not cover hospital stays or dental injury expenses outside the Nordic countries if you are there for more than 12 months. However, our home insurance includes travel coverage for your first 45 days on a trip.

Yes, as a matter of fact there is. 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/a year until the age of 65. After 65 there is no coverage for reduced working ability/financial disability or permanent injury/medical disability.