Conditions 751

The Insurance can be taken out by a person who chooses to travel and stay in another country and intends to pursue studies there for at least half of the coverage period. This person must be:
• Domiciled in Scandinavia
• Insured with a Scandinavian Regional Social Insurance Office.
• Aged 1-50 years.

The insurance may be taken out by individuals who have received a grant from the Central Student Grants Committee (CSN) in Sweden for studies at an overseas educational institution, or who are undertaking examination work or receiving practical experience abroad which forms part of his/her education. The insurance shall also be available to students who have not received a student grant or who for some other reason have not applied for an additional cost loan for the premium, but who are attending training at an overseas educational institution which entitles him/her to a student grant.

The insurance shall only be valid if full-time studies take up at least half of the coverage period and if the insured is able to produce documentation showing that he/she is pursuing or has pursued studies for at least half of the coverage period upon being requested to do so.

This insurance may also be taken out by an accompanying wife/husband/partner/ registered partner with whom the insured is living in a quasi-marital relationship as well as for the insured’s children under the age of 18 years. Such insurance may only be taken out for the same coverage period as that which applies to the principal insured.

 

• The coverage period shall be the period for which you yourself have chosen to take out the insurance, which period is apparent from the insurance policy.

• Renewed insurance shall enter into force on the day after that on which the previous coverage period has terminated, provided that you have renewed and paid for the insurance before expiry of the previous insurance.

• Insurance cover shall be in force during the period for which you have chosen to take out the insurance, but not for more than 12 months.

The insurance may also be taken out as insurance following on directly from the travel cover provided in your home insurance. If the insurance is taken out in this way, you must provide the date on which the travel cover in your home insurance ceases to be valid as the date of commencement of this overseas study insurance; you will consequently not be covered by this overseas study insurance for the period that the travel cover in your home insurance is valid. Insurance that is taken out in this way must be taken out prior to your departure from Sweden.

New policies
The insurance must be taken out prior to your departure from Sweden. The insurance will go into effect no earlier than the date of your departure. A precondition for the insurance to go into force is that the policy has been paid prior to departure.

Extension
Overseas study insurance which has been previously taken out may be extended during your stay abroad. However, the overseas study insurance you wish to extend must have been taken out with Gouda. A precondition for being allowed to extend insurance during one’s stay abroad is that the extension must be effected before the coverage period of the previous policy has expired, and that the extension is granted on the same conditions or on conditions of lesser scope.

The policy shall be valid from a date not earlier than the date of payment in the event of extension.

 

The insurance shall be valid in the country of study and during journeys to and from the country of study. The insurance shall further be valid during short journeys to a third country for not more than 14 days, provided that these 14 days fall within the coverage period and the study period. If you have insurance which has been taken out for the World Wide premium area, journeys to third countries may be made without geographical restriction. If, however, you have insurance which has been taken out for the Europe premium area, the policy shall only be valid for journeys to a third country within Europe.

The insurance shall be taken out for, and shall only be valid within, the premium area which includes the country of study where the insured actually resides and pursues his/her studies, regardless of the country in which the educational institution has its principal centre.

 

The insurance shall be valid during the coverage period specified in the insurance policy with the provisos mentioned below.

• If the study period is shorter than the coverage period, the insurance shall be valid to the end of the coverage period during the continued stay in the country of study and also during the return journey to the Scandinavian home country. In these circumstances the study period must be at least half the duration of the coverage period.

• If the study period is less than half the duration of the coverage period, the insurance shall cease to be valid 14 days after studies are completed.

• The insurance shall enter into validity not earlier than from the date of outward travel to the country of stay when the insured has left his/her home or similar and shall cease in validity on return to any of these places after completion of studies.

• The insurance cover shall never commence earlier than 14 days prior to the start of the educational course.

• For a policy-holder whose course has already commenced on the date of payment of the premium, the insurance shall enter into validity from the date on which payment has been made by the policy-holder.

• If studies are interrupted, the insurance shall cease to be valid 14 days after the interruption, or earlier if return to Sweden occurs before expiry of the 14-day period.

• In the case of a holiday break/leave, the insurance shall be valid within the country of study, on the journey to and from the Scandinavian home country and during the period of stay within the home country, provided that you continue your studies after the holiday break/leave.

For section P-Cancellation Protection, however, the insurance shall be valid from the date on which the insurance premium was paid and shall cover all uncommenced outward journeys from Sweden to the country of study in connection with studies.

For sections I-Liability Protection and J-Legal Protection, the insurance shall only be valid for you as a private individual in your capacity as a traveller and consequently not during working time or for any matter connected with the exercise of a trade, profession or other gainful activity or with the performance of your duties.

The insurance shall be valid for those events which occur as described in the conditions during the period that insurance cover is in force. If, as a result of acute illness, acute injury, an accident or some other unforeseen event, you are unable to return to your home within the coverage period, validity shall be extended by as long a period as is reasonably required for you to arrange a new insurance policy, but not longer than 10 days. The premiums for such extension shall be subsequently debited to you.

 

The insurance shall be valid without excess, except for section J-Legal Protection, where the insurance shall be valid with an excess of 20% of the cost, but not less than 1,000 kronor.

 

The insurance shall provide for the reimbursement of necessary and reasonable costs if you suffer an acute illness or acute injury or if you meet with an accident. The costs covered by the insurance are specified in sections E.1 – E.9 below.

Whenever possible, it is recommended that you always contact Gouda or Gouda’s Emergency Centre before a physician is contacted or treatment is commenced.

E.1 Medical expenses and hospital treatment
You will be reimbursed only for necessary and reasonable costs related to emergency medical treatment, hospital treatment and medicines and for treatment and aids which the attending physician has prescribed for dealing with the acute illness, acute injury or accident, provided that this cannot wait until your return to Sweden. You must contact a doctor where you are staying as soon as the illness or accidental injury occurs.
For treatment abroad from a physiotherapist, naprapath or chiropractor or for other treatment from a non-registered practitioner, referral from a registered practitioner is required.

Gouda reserves the right to decide whether care should be given in the country of stay or whether you should return to Sweden for treatment.

Care in Sweden
For care or medical treatment in Sweden, you will be compensated only if the care or treatment is received from the public healthcare system, and compensation shall only be paid up to the level of high cost protection.

For hospital care in Sweden, you will be reimbursed for that part of the care fee which does not correspond to saved living costs. The normal living cost is calculated as 2 permillage of the price base amount per day.

Restrictions
You shall as far as possible avail yourself of the public health service when residing in an EU/EEC country. The insurance shall not cover costs which could have been avoided by utilising the European health insurance card.

You will not be reimbursed for preventive healthcare, acupuncture, vaccinations, annual medical check-ups, cosmetic surgery or eye examinations carried out by an optician.

If morbid or other changes exist that are not normal for a person of your age at the time of the accident, you will receive compensation only for that injury which may be expected to have resulted if the changes had not been present when the injury occurred.

Check-ups and medication from earlier illnesses, injuries and accidents are not covered by the insurance.

Compensation period
You will receive compensation for costs which in the case of acute illness or acute injury corresponds to a period of 90 days from the first visit to a doctor and which in the case of an accident corresponds to a period of three years from the time of the accident.

If there is a new acute recurrence of the same illness, you must have been free of symptoms, treatment and medication for at least 60 days in order for a new compensation period to commence.

E.2 Dental treatment costs

E.2.1 Dental treatment in the case of an accident
You will receive reimbursement for treatment costs which have been incurred as a result of an accident. Damage to a fixed prosthesis will be compensated in accordance with the corresponding rules relating to damage to a natural tooth. This shall also apply to a removable prosthesis which, when damaged, was in place in the person’s mouth.

You shall contact a dentist where you are staying directly after the accident has occurred.

With the exception of emergency treatment, Gouda must approve the cost and the treatment before any treatment is commenced.

Accident refers to physical injury which you have suffered involuntarily through a sudden and unforeseen external event (external violence).

Restrictions
You will only receive compensation for injuries which may be expected to have resulted from the accident.
The cost estimate must be approved by Gouda before treatment is commenced.

Damage to a tooth when biting or chewing shall not be regarded as an accident and you will only be compensated in accordance with the provisions of E.2.2 below.

Dental treatment shall not be paid for if it is demonstrated that the accident arose as a result of your failure to look after your teeth and undergo routine dental check-ups every 12 to 18 months. If accidental injury may be expected to have been aggravated by your failure to look after your teeth and undergo routine dental check-ups, you will be compensated only for that damage which may be expected to have resulted if you had looked after your teeth and undergone dental check-ups every 12-18 months.

Compensation period
You will receive compensation for costs which correspond to a period of three years from the time of the accident.

E.2.2 Treatment for acute dental problems
You will receive compensation for necessary and reasonable costs of occasional treatment in the case of acute dental problems.

You must contact a dentist where you are staying as soon as the problem arises.

Restrictions
You will not receive compensation for normal and routine dental treatment and orthodontics. If the reason for the acute dental problem lies in deficient oral hygiene or failure to receive regular examinations from a dentist, no compensation will be paid.

Dental treatment will only be paid for if you can demonstrate that you have looked after your teeth through routine dental check-ups every 12 to 18 months.

Compensation period
You will receive compensation for those costs which correspond to a period of 90 days from your first visit to a dentist.

E.3 Journeys for care and treatment
You will receive compensation for necessary and reasonable costs for journeys associated with visits to a doctor, visits to a nurse, hospital treatment and physiotherapy which are covered by the insurance.

You will also receive compensation for journeys to and from dental treatments that qualify for compensation.

Journeys in your own car shall be compensated by the petrol costs per kilometre. For car journeys within Sweden you will be compensated at the rate of 1.6 kronor per kilometre.

Restriction
You will only receive payment for necessary and reasonable costs and these costs must be supported by original receipts.

Compensation period
You will receive compensation for costs, which in the case of acute illness, acute injury or acute dental problems corresponds to a period of 90 days from your first visit to a doctor or dentist and in the case of an accident corresponds to a period of three years from the accident.

E.4 Additional costs for journey home
If the attending physician where you are staying believes you must interrupt your stay on medical grounds and return to Sweden, you will be reimbursed for the additional costs incurred by your journey home. Both the need for the journey home and the means of travel must be prescribed by the doctor and approved by Gouda or by Gouda’s Emergency Centre.

‘Journey home’ refers to transportation of the sick or injured person to his/her Scandinavian home country.

You will receive compensation provided that the journey home occurs within 90 days of your first visit to a doctor.

The insurance will also cover compensation for the return journey (economy class at maximum) to the place you were studying, provided that, at the time of the journey home, at least 31 days of the trip and of the coverage period still remained, and provided also that you have been given a clean bill of health and no longer have a health care need associated with the acute illness, acute injury or the accident which necessitated the journey home.

If the journey home occurs when less than 31 days of the trip and of the coverage period remain, compensation may in certain cases be provided for the return journey if you can demonstrate that the return journey has a clear academic objective, for example an examination, a compulsory element which is required for an examination or something similar.

Both the journey home and the return journey must be approved in advance by Gouda or Gouda’s Emergency Centre.

E.5 Transportation home in the event of death
In the event that an illness or accident results in death, compensation shall be provided for transportation of the deceased individual home to Sweden.
In place of transportation home, compensation may alternatively be provided for local burial.

Compensation period
Compensation will be granted provided that transportation home in the event of death resulting from an illness occurs within 90 days of your first visit to a doctor and in the event of death due to an accident within three years of the accident.

Restriction
Transportation home must be approved in advance by Gouda or Gouda’s Emergency Centre.
A death certificate issued by competent local authorities must be submitted to Gouda.

Local burial compensation shall be provided up to a maximum payment of 20,000 kronor.

E.6. Travel costs for close relatives visiting a seriously ill, injured or deceased person
If the doctor deems your acute illness, acute injury or accident to be so serious that you should travel home, Gouda will bear the cost of the trip at economy class rates from the home country and back again, including accommodation, for not more than two close relatives. The same shall apply if the insured dies.

Restriction
The trip must be approved in advance by Gouda or by Gouda’s Emergency Centre, and documentation substantiating the need for the trip must be submitted to Gouda.
Mere difficulties experienced by the insured in transporting him/herself, managing his/her household or the like shall not give rise to any entitlement to such a trip.

Compensation period
Compensation shall be granted provided that the trip in the case of acute illness or acute injury occurs within 90 days of your first visit to a doctor, and in the case of an accident within three years of the accident.

E.7 Change of accommodation
If acute illness, injury or accident according to certification provided by the attending physician in the place where you are staying means that you have to change your accommodation or prolong the duration of your stay, we will bear the additional costs of accommodation for a maximum of 90 days from your first visit to a doctor.

If as a result of admission to hospital you miss your planned and paid-for journey home, compensation will also be paid for the additional cost entailed by your journey home.

Restriction
Documentation which substantiates the need for change of accommodation must be submitted to Gouda.

Compensation for additional costs entailed by the journey home shall be granted, provided that the journey home is undertaken as soon as it is medically feasible to do so.

Compensation period
Compensation shall be paid for accommodation for a maximum of 90 days from the first visit to a doctor.

Compensation for the additional cost of a journey home shall be provided if the journey home in the case of acute illness or acute injury occurs within 90 days of your first visit to a doctor, and in the case of an accident within three years of the accident.

E.8. If a close relative becomes seriously ill or injured or dies, or if there is substantial damage to your private property in Sweden
If a close relative in Sweden suffers an acute illness, acute injury or accident, and the attending physician deems it necessary, then compensation shall be provided for the additional cost entailed by your journey home to Sweden.

Compensation shall also be provided for the additional costs of your journey home if your private property in Sweden suffers substantial damage through a sudden and unforeseen event and your immediate presence there is required as a result.
The return journey to the departure point for your home journey shall also be borne (economy class at maximum).

Restriction
In order for compensation to be paid, substantiating documentation is required from a doctor, the police or another competent authority. Gouda or Gouda’s Emergency Centre must also be notified immediately of what happened, and Gouda must grant approval before the journey home is commenced.

All claims for costs must be substantiated by original receipts.

Return journey costs shall be reimbursed provided that at the time of the journey home at least 31 days remained of the study trip and coverage period. The return journey must occur within 60 days of the date of homecoming. If the journey home occurs when less than 31 days remain of the study trip and coverage period, compensation may in certain cases also be provided for the return journey if you can demonstrate that the return journey has a clear academic objective, such as for example an examination, a compulsory element required for an examination or something similar.

Only a journey home resulting from an illness or accident shall be compensated.

Where travel to a country other than a Scandinavian country occurs, you shall bear the additional costs thereof.

Both the journey home and the return journey must be approved in advance by Gouda or Gouda’s Emergency Centre.

E.9. Exceptions (applies to sections E1-E8)
The insurance shall not cover care costs, travel expenses or other expenses that are the result of a need for care that already existed when the study trip commenced. If acute exacerbation of the condition occurs during the study trip, the insurance shall only cover those additional costs incurred as a result of such exacerbation.

For a person who receives care in Sweden and who is not entitled to compensation from a Regional Social Insurance Office in Sweden, only those costs shall be paid which would have been paid if this entitlement had existed.

The insurance shall not apply in the following cases:
• An accident or acute illness which is attributable to the fact that you used drugs, alcohol, narcotics or comparable substances.

• Costs which are associated with suicide or attempted suicide.
N.B.: This exception shall not apply in the case of section E.5. - Transportation home in the event of death.

• Costs associated with abortion, sterilisation, fertility treatment and fertility investigations.

• Costs resulting from the fact that, as a result of your injury, a ship or aeroplane must alter course or flight plan.

• Costs for staying at a hydropathical, nursing or convalescent home and associated travelling expenses.

• Costs for private medical treatment in Sweden.

• Additional costs for trips to and from studies/work which have arisen as a result of acute illness or an accident.

• Costs which have been refunded from another quarter in accordance with the provisions of laws, statutes or conventions or under the terms of other insurance.

• Costs in the case of acute illness and accident resulting from a nuclear process connected with military activity in which the insured is engaged.

• Costs resulting from an existing medical condition which has exhibited symptoms later than 6 months before the insurance entered into force.

• Costs of transportation home or other transportation due simply to your fear of/anxiety about the risk of infection or some other risk.

• Costs which could have been avoided by utilising the European health insurance card.

• Costs associated with the exceptions enumerated in H.2 Group 3 below.

• Costs of care in the country of stay if the insured chooses to remain in that country despite the fact that the coverage period has expired and that no extension has been taken out, even though the compensation period (90 days or 3 years respectively) continues to run.

• Additional costs which arise as a result of the fact that you have travelled to Sweden and/or undertaken a return trip to the study destination without the approval of Gouda.

• Additional costs which arise as a result of the fact that a close relative of yours has travelled to your country of stay without the approval of Gouda.

 

You will receive compensation for necessary and reasonable costs which arise during the coverage period and which relate to routine check-ups during pregnancy and for costs connected with childbirth. Pregnancy must have occurred after the first day of validity of the coverage period.
You must support your claim for compensation with documentation from a registered physician showing that your pregnancy arose after the first day of validity of the policy.

Restrictions
In the case of childbirth, or if the pregnancy is abnormal and if complications arise, Gouda reserves the right to decide upon continued care in Sweden and to arrange transportation home. Should you nevertheless choose to remain in the country of study, the insurance shall no longer be valid for some costs related to your pregnancy.

If childbirth occurs abroad, the child/children shall not be covered by this insurance. The child may be covered by the insurance as a co-insured from the age of one year at the earliest.

If you are pregnant when the insurance enters into force, this compensation provision does not apply to you. Nor shall the insurance provide compensation for costs associated with pregnancy that commences after termination of the coverage period.

 

Scope
The insurance is valid for medical or economic disablement following an accident which leads to permanent disability and for death as a result of an accident which is suffered during the coverage period.

G.1. Disablement fund
• Medical disablement
In the case of complete, 100%, medical disablement, compensation shall be 10 PBB (Price base amount)

• Economic disablement
In the case of complete, 100%, economic disablement, compensation shall be 10 PBB (Price base amount)

• In the event of death
In the event of death, compensation shall be 1 PBB (Price base amount)

• Disability aids
Where disability aids are required, the maximum compensation shall be 1 PBB (Price base amount)

G.2. When injury occurs
In the case of an accident which may result in entitlement to compensation, you must immediately contact Gouda or Gouda’s Emergency Centre. The injury must be reported as soon as possible, and not later than within three years of the date on which you learned that your claim could be upheld.

What is an accident?
An accident refers to physical injury which you have suffered involuntarily through a sudden external event (external force). Where frostbite, heat-stroke and sunstroke are concerned, the requirement as to suddenness shall be disregarded. The date on which such injury manifests itself shall be regarded as the time of occurrence of the accidental injury.

Exceptions:
The following events shall not be regarded as accidents:
• Violent exertion which for example leads to muscle rupture or lumbago. This is not to be regarded as an accident since it lacks the element of an external event which characterises an accident.

• Injury which has been caused by a drug or narcotic

• Injury which has arisen as a result of an infection caused by bacteria, a virus or some other infective agent

• Injury which has arisen through the use of a medicinal product or through a surgical operation or medical treatment or examination which is not the consequence of an accident as covered by this insurance

• A condition which, although observed after an accident, cannot according to medical experience be regarded as being attributable to the accident but rather to an illness, a physical defect or morbid changes.

G.3 Disability
Where disability occurs we grant compensation with that proportion of the disablement fund which corresponds to the degree of disablement.

Determination of the degree of disablement assessment shall take place firstly on the basis of the insured person’s economic disablement, if such exists, and secondly on the basis of his/her medical disablement. The assessment shall however always be conducted on the basis of that disablement which results in the highest level of compensation.

Compensation can never be granted for both medical and economic disablement.

G.3.1. Medical disablement
Medical disablement refers to a permanent reduction of bodily function resulting from an accident. Medical disablement shall also include disfiguring scars, permanent pain and loss of sensory function or of an internal organ.
Entitlement to disablement compensation shall exist if the injury which arose as a result of the accident caused disablement within three years, and at least twelve months have elapsed since the accident. As soon as the definitive degree of disablement has thereafter been established, compensation shall be paid equalling that proportion of the insurance amount which corresponds to the degree of disablement. Observe, however, the restrictions indicated under H1-H3.

Compensation may be paid earlier, provided that the treatment is completely finished and the definitive degree of disablement can be established before twelve months have elapsed from the time of the accident.

The definitive establishment of the degree of disablement shall if possible occur within three years of the accident. Establishment may however be postponed for as long as necessary according to medical experience.

G.3.1.1 Assessment of medical disablement
The assessment shall occur regardless of the degree to which working capacity is reduced as a result of the accident. Assessment of the degree of disablement shall be based upon those physical injuries which have been caused by the accident and which can be established objectively.

The degree of medical disablement shall be determined in accordance with a table – “Grading of medical disablement” (“Gradering av medicinsk invaliditet”) - jointly laid down by the insurance industry in Sweden.

If injuries to several parts of the body have occurred as a result of the same accident, compensation shall at most be granted for a degree of disablement which corresponds to full compensation.

If the functioning capacity of the injured part of the body was already reduced, the previously determined degree of medical disablement shall be deducted.

G.3.2. Economic disablement
Economic disablement refers to permanent reduction of the insured person’s working capacity by at least 50% as a result of the accident.
Entitlement to economic disablement compensation shall exist when the accident has resulted in permanent reduction of your working capacity by at least 50% and the Regional Social Insurance Office in Sweden has granted an early retirement pension of at least 50%. However, your right to receive compensation shall at the earliest exist from the date on which the early retirement pension is paid.

Your capacity for work shall be regarded as having been permanently reduced when all opportunities for work in another occupation have been tried and the Regional Social Insurance Office in Sweden has granted an early retirement pension in pursuance of the Social Insurance Act. The accident shall furthermore, before economic disablement has occurred and within three years of the date of the injury, have resulted in the payment of medical disablement compensation.

If after the accident you draw a partial temporary disability pension or a partial early retirement pension you may at most receive as large an amount of economic disablement compensation as corresponds to the loss of residual working capacity.

If after the accident you draw a full temporary disability pension or a full early retirement pension, you will not be entitled to compensation for economic disablement.

G.3.3 Death benefit
Entitlement to death benefit shall exist if the accident leads to death within three years of the accident. Observe however the restrictions in G1-G3.

Payment of death benefit shall be made to the estate of the deceased.

If death occurs before entitlement to disablement compensation has commenced, no disablement compensation shall be paid.

If death occurs after entitlement to disablement compensation has commenced, but before final payment has been made, the amount corresponding to the guaranteed medical disablement compensation which existed before death shall be paid to the estate of the deceased.

G.4. Disability aids
When your level of disability has been determined you will receive, in addition to disablement compensation, an allowance for disability aids and other medical measures which your doctor has prescribed as necessary to alleviate your disabled condition and which are not paid for by any other quarter under the provisions of law or special statute. This allowance shall be granted only for such expenses as Gouda has approved in advance.

G.5. Review
In those cases where the accident results in your bodily functions being substantially impaired or in your losing further working capacity after final settlement has been made, you are entitled to have your degree of disablement reviewed. A review shall not however be permitted after ten years have elapsed from the date on which the accident occurred.

 

H.1. Flying
The following shall apply to those persons who undergo pilot training.

The insurance is valid for flying accidents which you suffer during flight training when you are the pilot or have another function on board provided that a flying instructor holding a valid flying certificate is in command and responsible for the flight.

H.2. Sporting activities
Below is a list of those sporting activities which are covered by the insurance with full protection, those which are covered with reduced protection and those which are not covered by the insurance at all.

Group 1
Sporting activities which are covered with normal protection:
Ballooning (organised excursions)
Basketball
Mountain biking (not extreme forms)
Cricket
Cycling
Diving with tubes (no deeper than 30 metres)
Shooting the rapids
Football
Go-carting
Golf
Caving
Ice hockey
Canoeing
Running
Orienteering
Riding
Rowing
Windsurfing
Sailing (organised excursions, not solo)
Skating
Rambling/mountain walking
Water skiing
Winter sports (Officially marked slopes)
Abseiling (with a rope)

Group 2
Examples of risky sporting activities which are covered by the insurance, with the restriction that no compensation shall be paid for disablement or in the event of death.
American football
Other types of ski activities
Ski-jumping
Mountain climbing (with a rope)
Bobsleighing
Bungee jumping
Parachute jumping
Kite surfing
Flying (without ticket) (see also H.1)
Hang-gliding
Jet skiing
Microlight flying
Off-piste skiing (with guide)
Tobogganing
Rugby
Gliding
Surfing
N.B.: This is a list of examples of activities; sports that can be placed on equal footing with these examples are classified as Group 2 activities.

Group 3
Dangerous sporting activities which are not covered by the insurance.
Exceptionally risky sports
Martial arts/Self-defence sports
Hunting/Use of fire or weapons
Mountain climbing expeditions/free climbing/climbing without a rope
Deep sea diving
Sailing alone/extreme forms of sailing (e.g. sailing across the Atlantic)
Ice climbing
Motor sports
Off-piste skiing (without a guide)
Competition (speed- and record activities etc.)
Other dangerous sports
N.B.: This is a list of examples of activities; sports that can be placed on equal footing with these examples are classified as Group 3 activities.

H.3. Nuclear process
The insurance is not valid in the case of accidents attributable to a nuclear process, if this process is associated with military activity in which the insured person is engaged.
If you have taken out several accident insurance policies with one or more insurance companies, the insured amounts in the event of disablement as a result of a nuclear process shall be restricted so that, taken together, the corresponding amounts under the various insurance policies do not exceed 250,000 kronor. The amounts shall then be divided into the various insurance policies in proportion to their liability under the present section.

 

The insurance shall apply to you as a private person in your capacity as a traveller and consequently not for anything which is connected with the exercise of your occupation or profession or with the performance of your duties or with any other gainful activity. Work as a trainee shall not be covered by the insurance, even if it constitutes part of your education.

The insurance applies should you be required to pay damages for personal injury or property damage which may be covered by the insurance for damage you caused at some point during the coverage period.

I.1 Gouda will deal with damages claims in the following manner
If a claim for damages is made against you
• Gouda will investigate whether you are liable to pay damages

• Gouda will negotiate with the party making the claim for damages

• Gouda will plead your cause in any lawsuit and in such a case will also be responsible for the costs of the lawsuit, if these cannot be obtained from the other party

• Gouda will pay the damages for which you are liable under the current tort law

I.2 Maximum amount of compensation
The maximum amount of compensation for each case of injury or damage shall be 10,000,000 kronor. This shall also apply when several instances of damage or injury occur on the same occasion and from the same cause.

I.3 Damage to rented accommodation
This insurance shall cover damage which you cause to a hotel room or other rented accommodation and to the fixtures and fittings therein.

Exceptions
Damage due to wear and tear or neglect shall never be compensated, nor shall damage which is attributable to gross negligence or to a deliberate act.

I.4 What the insurance does not cover

Restriction
This insurance shall not apply to such liability as you have assumed over and above the requirements of the current Swedish tort law.

Exceptions
This insurance shall not apply to:
• Damage to property which you have hired, borrowed, worked on or repaired or in which you have otherwise taken a more than purely accidental interest (does not apply to rented accommodation however, see I.3)
• Damage or injury for which you can be made liable as an owner of real estate, as the holder of site leasehold rights or as the owner of a flat overseas
• Damage or injury which has arisen in connection with the fact that you have carried out a deliberate act which under Swedish law, viewed objectively, may lead to imprisonment
• Damage or injury for which you can be made liable vis-à-vis a close relative, or
• Damage or injury for which you can be made liable as the owner, user, driver or pilot of:
I) a motorised vehicle, when the damage or injury has arisen as a result of
utilising the vehicle in traffic
II) a steamer, motor boat, water scooter, sailing-boat (other than a sail board),
hovercraft or hydrocopter.
Note: If the boat is equipped with either an outboard motor of max. 6 hp or a sail with a sail area of max. 7.5 square metres, the insurance shall apply to personal injury. This shall also apply to a sail board regardless of the sail area.
III) an aircraft, air balloon, paraglider, hang glider or similar craft.

I.5 If a claim for damages is made against you
If a claim is made against you for damages, and without Gouda’s permission you proceed to concede liability for damages, approve the amount of compensation or pay compensation, these acts shall not be binding upon Gouda.

If there is a lawsuit, you shall immediately inform Gouda thereof and follow our instructions; the judgement will otherwise not be binding upon Gouda.

As soon as you learn that a claim for damages has been made against you, you must notify Gouda thereof. You must attach a written claim addressed to you from the injured party to your notification. If the claim for damages relates to a personal injury, this must be supported by a medical certificate. If the claim for damages relates to property damage, it must be possible for the claim for the damaged/lost property to be substantiated by an original receipt, service report or similar. Damaged property shall be saved until the matter has been finally settled.

 

In the event of a dispute, legal protection shall apply to you as a private individual in your capacity as a traveller, and consequently not to anything associated with the practice of your occupation or profession or the performance of your duty or with other gainful activity.

J.1. When the insurance applies
You can obtain legal protection if the insurance is in force when the dispute arises,
or if the events or circumstances upon which the claim is based occurred during the coverage period.
If you no longer have any legal protection insurance when the dispute arises because the need for insurance has ceased, you can nevertheless obtain legal protection through this insurance if it was in force when the events or circumstances upon which the claim is based occurred, and provided that no more than ten years have elapsed since that time.

J.2. Maximum amount of compensation
• Gouda shall not pay in excess of 250,000 kronor for any dispute.
• If you and another insured are on the same side in a dispute, the matter shall be regarded as one and the same dispute and compensation will consequently be provided at a maximum of one insurance amount. Even if you are involved with several disputes, they shall be counted as one and the same dispute if the claims are based upon essentially the same events or circumstances (accordingly only one dispute can be regarded as existing even if the claims are not based upon the same legal grounds).

J.3. Which disputes the insurance applies to
The insurance shall apply to disputes that can be tried by a district court, a property court, a housing court, the State Water Board or Water Rights Court or which after trial in such a court can then be tried by the Court of Appeal or Supreme Court. In such cases the insurance shall also apply to a new trial, but only if a new trial is granted.

Note
The insurance shall consequently not be valid for criminal cases, nor for a dispute which can only be tried by administrative authorities or special courts, for example the Land Registration Authority, Insurance Court, Rent Tribunal, Administrative Court of Appeal, County Administrative Board, County Administrative Court, County Tax Appeal Court or the Supreme Administrative Court.

If the dispute is such that it first must be tried in another instance, for example by a land distribution executor or a tenancy or rent tribunal, only those costs shall be paid which have arisen after such a trial.

J.4. The insurance is not valid in the following cases
In disputes which:
• Involve a judicial hearing which is to be dealt with in accordance with Chap.1 section 3d, first subsection of the Code of Judicial Procedure (minor causes). This exception shall not however be applicable to a dispute arising from the insurance agreement
• Are connected with divorce or which relate to other issues that are brought to the fore by the parties to divorce – for example custody, maintenance, division of joint property and ownership – and to corresponding issues in conjunction with dissolution of cohabiting relationships
• Are connected with the practice of one’s occupation or profession or the performance of one's duty or with other gainful activity
• Are connected with the guarantee given by you to someone in the pursuit of his/her gainful activity
• Concern economic measures which for a private individual are of an unusual nature or extent
• Concern a demand or claim which has been assigned by you
• Concern you as the owner of a flat, a detached house or real estate or as the holder of site leasehold rights
• Concern you as the owner, user or driver or pilot of a motorised vehicle, a caravan or other trailer, an aeroplane, a ship, a steamboat, motor boat or sailing boat, with the exception of a rowing boat
• Involve a claim for damages or some other claim against you resulting from an act which led to suspicion of or indictment for a crime where intent must be shown to lead to punishment
• Concern a matter which you do not have any justifiable interest in having processed. Such interest is regarded as being absent if, for example, a court or the Legal Aid Commission has rejected an application for legal aid or decided that legal aid should be discontinued
• Concern a reduction of a purchase sum or of damages in accordance with the Code of Land Laws Chap.4 section 19 (latent defects etc.) when the disputed amount falls below one price base amount according to the Social Insurance Act.

J.5. What legal representation you may choose
In order for the insurance to apply, you must be represented by legal representation in the dispute.

Requirements for legal representation
Legal representation must be suitable in respect to your domicile and the nature of the matter in hand and must:
• Be an advocate or lawyer employed in a lawyers’ office
• Be able to show that he/she has at some time during the last three years been appointed counsel in accordance with the Legal Aid Act in a dispute of a similar nature and continues to be appropriate as such
• In some other satisfactory way has demonstrated that he/she is especially suited to the task.

Verification of a legal representative’s suitability in accordance with the second and third points above shall be effected by the Swedish Insurance Companies’ Legal Protection Commission.
The legal representative engaged must be approved in advance by Gouda.

Verification of fee
A legal representative whose suitability has been verified by the Swedish Insurance Companies’ Legal Protection Commission must undertake to accept the Commission’s verification of fees and expenses in the matter.

When the legal representative is a lawyer, Gouda has the right to approach the Swedish Bar Association and seek arbitration regarding the fairness of fees and expenses.

J.6. Costs covered by the insurance
You should in the first instance resort to legal aid, since Gouda will not pay costs which can be, or could have been, paid from public funds if an application had been made.

The number of hours and the fee shall be approved in advance by Gouda.
You can obtain reimbursement for the following costs if they are necessary and reasonable and if you cannot have them paid for by your opponent or by the State. This means, for example, that Gouda will not pay if you, either in or out of court, deny yourself the opportunity to obtain compensation from your opponent. If damages to an insured may be regarded as also including compensation for his/her lawyer’s fees, then no compensation will be provided for these through the insurance.

• The legal representative’s fee and expenses: a fee shall be demanded for reasonable expenditure of time but not more than corresponds to the cost-per-hour norm applied by the National Courts Administration
• Costs for investigation prior to proceedings, provided that the investigation has been ordered by your legal representative or that the National Board for Consumer Complaints has found it manifest that the dispute cannot be resolved without such an investigation
• Costs for the submission of evidence in court and arbitration procedures
• Court charges
• Legal costs which you have been ordered to pay to your opponent or to the State after the dispute has been heard by a court or by an arbitrator
• Legal costs which, in an out-of-court settlement, you have undertaken to pay to your opponent provided that it is shown that the court would have ordered you to pay legal costs at a higher sum if the dispute had gone to court.

J.7. Costs not covered by the insurance
• Your own work, lost income, travel and accommodation or other expenses incurred by you or another insured
• Enforcement of judgements, decisions or agreements
• Additional costs which arise if you engage more than one legal representative or if you change your legal representation
• Remuneration for arbitrators
• Costs which are not reimbursed by the State because the request for legal aid in accordance with section 10, subsection 9 of the Legal Aid Act may be deferred while another similar case is heard, or if it may be expected that such a judgement would have been made if you had otherwise been entitled to legal aid
• Legal representation costs which are not covered by legal aid as a result of you having changed your legal representation or having chosen a legal representative who in view of the circumstances was not deemed suitable
• Nor will Gouda reimburse you for costs which can be compensated through other insurance

J.8. Recovery
Where compensation has been provided on the basis of the insurance, Gouda shall take up your right against another party.

J.9. Excess
The insurance shall be subjected to an excess of 20% of the cost, but not less than 1,000 kronor.

 

The insurance provides coverage during the period it is in force.

Gouda shall provide compensation for personal injury which you suffer as a result of ill-treatment or deliberate violence, if the perpetrator is unknown and/or it has been established that he/she is unable to pay damages. Compensation shall be calculated in accordance with Chapter 5 of the Liability of Damages Act.

If the ill-treatment or deliberate violence results in death, compensation shall also be payable in accordance with Chapter 5 section 2 of the Law of Damages Act.

Should you die as a consequence of the injury, the insurance shall nevertheless cover those damages to which your estate and survivors may be entitled under Swedish law.

If the insured suffers personal injury or loss as a result of a relative being deliberately killed, Gouda shall through assault insurance cover pay those damages for personal injury to which the insured is entitled under the provisions of Chapter 5 of the Law of Damages Act. The Law of Damages Act refers to the Swedish Law of Damages Act.

If the injury leads to an indictment, you shall, should Gouda so desire, plead the case for damages in court, in which case Gouda will defray the legal costs.

K.1. What the insurance does not cover

Restrictions
Compensation shall not be paid:
• If you were under the influence of alcohol, a hypnotic, a narcotic or a drug, if you cannot show that there is no connection between this influence and your injury
• If without reasonable cause you exposed yourself to the risk of being injured
• If damages are related to you committing a deliberate act which under Swedish law may lead to a fine or more severe punishment
• For damages which are only based upon consent
• For damages which are based upon transfer from the person who is directly entitled to compensation
• If you cannot show that you are entitled to damages and that the person who injured you is unknown or unable to pay damages.

Note
The first exception listed above is not applicable to rape or other sexual coercion.

K.2. Measures to be taken in the case of injury
Injury which may lead to claims for damages must be reported to Gouda as soon as possible. You must also contact a doctor and as soon as possible report the matter to the police at the location where the injury took place and subsequently send the doctor’s certificate and police report to Gouda.

If you are injured you must demonstrate that you are entitled to compensation and that the person who injured you is unknown or unable to pay damages.

K.3. Maximum amount of compensation
The maximum amount of compensation payable for each instance of injury is 500,000 kronor.

 

Entitlement to trauma therapy shall apply if during your trip you encounter robbery, assault, rape, attempted rape, threats, accidents, fire, burglary, traffic accidents, natural disasters or some other serious event covered by the insurance.

If the event is a result of crime, the police at the location where you are staying must be notified directly after the event has occurred and the resulting police report must be submitted to Gouda.

The costs of trauma therapy shall be reimbursed up to a maximum of 10,000 kronor per injury and per insured and the treatment shall be administered by a registered psychologist or psychotherapist within 12 months of the date of the injury.

If you wish to avail yourself of the right to trauma therapy you must contact Gouda before the treatment commences.

If you miss an examination as a result of acute illness, acute injury or an accident which entails hospitalisation during the examination, you will be compensated as follows.

Examination refers to a scheduled written examination in an examination hall; home exams, hand-in assignments or similar are not considered examinations.

If more than one course is examined at the same time, compensation may only be granted for one of these, and then for that course that corresponds to the highest number of credit points. Compensation can consequently not be paid for double courses, even if these are examined simultaneously.

M.1. Insurance amount
The insurance amount shall correspond to 1,841 kronor for each week of revision prior to the examination. One course credit point corresponds to one week of studies. In total however maximum compensation shall amount to 25,000 kronor.

M.2. Compensation levels and examples
Compensation shall be provided as a proportion of the insurance amount, as indicated in % in the table below:

Hospitalisation during main examination session 50%
Hospitalisation during the next available scheduled re-sit 50%
Hospitalisation during both the main examination and the re-sit 100%

Example 1:
Owing to hospitalisation you miss the main examination session which corresponds to 10 points. The examination thus corresponds to 10 weeks’ study, which gives an insurance amount of (10x1,841=) 18,410 kronor. When the main examination session is missed, compensation is paid at the rate of 50% of the insurance amount, which gives compensation of (0.5x18,410=) 9,205 kronor.

Example 2:
Owing to hospitalisation you miss a main examination session as well as the next available re-sit. The missed sitting includes examination of two courses, one of which is equivalent to 15 points and one to 10 points. The exam thus corresponds to 25 weeks’ study, but compensation can only be provided for one course, and more specifically that course offering the highest number of points, that is to say, 15 weeks’ study, which gives an insurance amount of (15x1,841=) 27,615 kronor. The maximum compensation which can be granted however is 25,000 kronor, so this last figure constitutes the relevant insurance amount. When both a main examination session and a re-sit are missed, compensation is provided at the rate of 100% of the insurance amount, which means that the final compensation will be 25,000 kronor.

M.3. Restrictions
A precondition for awarding compensation is that acute illness, acute injury or accident which leads to hospitalisation must also be covered by the insurance. The exceptions and restrictions indicated in section E – “Compensation for medical treatment” are also applicable in this section.

M.4. Responsibilities of the insured party
You must report a missed examination to Gouda as soon as possible. A notice of claim must be submitted together with a certificate from the attending physician to substantiate the claim of hospitalisation as well as documentation from the school that confirms the date of the missed examination.

If you are forced to interrupt your studies, the insurance entitles you to compensation in the form of a refund up to a maximum of 50,000 kronor per academic year, of which a maximum of 25,000 kronor shall be payable per term, provided that the cost of education cannot be repaid from another quarter. The cost of education refers to the paid term fee or similar. The cost of accommodation, board, travel, study literature or similar is not included in the cost of education.

Interruption of studies means that studies are interrupted without being resumed during any part of the remaining insurance and study period. An occasional break in studies shall not thus be regarded as interrupted studies.

N.1 Amount of compensation
The insurance is valid for an insurance amount of 50,000 kronor for one study period lasting one academic year (100 %). The insurance amount for a half year, that is to say one term, shall be 25,000 kronor (50 %). The insurance amount is thus directly related to how long the study period is in relation to a whole academic year and is consequently dependent upon the length of the study period. The compensation shall be determined pro rata, that is to say that compensation shall be provided for as large a proportion of the cost of education as corresponds to the time which remains of the educational period at the time of interruption of studies.

Example 1:
You have paid an educational fee of 10,000 kronor for one term of 6 months. Interruption of studies qualifying for compensation occurs after 3 months, that is to say after half of the planned study period. The maximum compensation for a half term is (0.5x25,000=) 12,500 kronor. Your cost for the remaining half of the educational period corresponds to (0.5x10,000=) 5,000 kronor. Compensation can thus be provided in the sum of 5,000 kronor.

Example 2:
You have paid an educational fee of 30,000 kronor for one term of 6 months. Interruption of studies qualifying for compensation occurs after 3 months, that is to say after half of the planned study period. The maximum compensation for a half term consists of (0.5x25,000=) 12,500 kronor. Your cost for the remaining half of the educational period corresponds to (0.5x30,000=) 15,000 kronor. This amount however exceeds the maximum amount of compensation offered by the insurance for a study period of 3 months, and compensation can thus be provided in the sum of 12,500 kronor.

N.2. When the insurance applies
Compensation shall be provided if you are forced to interrupt your studies for any of the following reasons:
• If you or a close relative of yours suddenly and unexpectedly suffer(s) an acute illness, acute injury or accident or die(s). A medical certificate which provides evidence of the necessity for the interruption of studies on medical grounds, issued by the attending physician at the place of study, shall be produced. For a close relative, a certificate is required from the attending physician. A precondition for the granting of compensation is that the acute illness, acute injury or accident is covered by the insurance. The exceptions and restrictions specified in section E – “Compensation for medical treatment” also apply in this section.
• If you are accepted on an educational course in Sweden for which you have applied at the same time as you applied to attend the educational course abroad. A certificate of acceptance must be produced.
• Events occur which cause substantial damage to your permanent residence in Sweden which means that you cannot reasonably carry on with your studies. Documentation from the police, an insurance company or another concerned authority must be produced.
• Your educational establishment, a school for example, is closed as a consequence of a decision by the authorities or as a result of war, political unrest or a natural disaster or for some other comparable reason or there is a recommendation from the Swedish Ministry of Foreign Affairs that you should not travel to the country where your studies are to take place. Substantiating documentation from the competent authority is required and this shall be procured by you and sent to Gouda. The insurance is in this case secondary, that is to say that the repayment protection shall not apply if another insurance policy or authority or another party provides compensation.
• Your educational establishment is closed as a result of bankruptcy or suspension of payments. Substantiating documentation from a court or another concerned authority shall be procured by you and submitted to Gouda. The insurance is in this case secondary, that is to say that the repayment protection shall not apply if another insurance policy or authority or another party provides compensation.

N.3. Restrictions
The exceptions and restrictions indicated in section E – “Compensation for medical treatment” shall also apply to this section.

Nor shall compensation be provided for interruption of studies related to pregnancy.

N.4. Measures to be taken in the event of injury
If you have to interrupt your studies you must:
• Immediately contact Gouda
• Report your injury by submitting an injury report, documentation in accordance with N.2 above, documentation from your school indicating how large a proportion of the cost of education can be refunded by the school, a document which clearly shows what amount you have paid towards the cost of education and the start and finish date for your study period.

O.1. Damage to or loss of insured property
The insurance shall apply to personal property which belongs to you or which you have hired or borrowed and which is primarily reserved for your personal use and for which you cannot obtain compensation through another insurance policy or agreement.

Maximum amount of compensation
• Personal property - maximum 30,000 kronor, of which:
• Property that is especially liable to be stolen - maximum 20,000 kronor
• Valuable documents - maximum 20,000 kronor
• PC – maximum 15,000 kronor
• Cash - maximum 3,000 kronor
• Bicycle – maximum 8,000 kronor

Property for which the insurance does not apply
• Motorised vehicle (an electrically propelled vehicle is also regarded as a motorised vehicle), a caravan or other trailer. The insurance shall however apply to an electrically powered wheelchair. Nor shall the insurance apply to parts or accessories for the above-mentioned vehicles and boats.
• Steamers, motor boats, water scooters, sailing boats (apart from sail boards), hovercraft or hydrocopters, aircraft, air balloons, paragliders, wind gliders, hang gliders or similar craft. Nor shall the insurance apply to parts or accessories for the above-mentioned vehicles and craft.
• Drawings and manuscripts
• Stamps, coins and notes with a collector’s value
• Animals
• Property which under Swedish law and in accordance with legislation in the country of stay is unlawful to possess or use

Definition of property that is especially liable to be stolen
• Cash, travel documents and other types of valuable documents
• Objects consisting wholly or partly of precious metal, genuine pearls or jewels
• Antiques, artwork, authentic oriental carpets, pocket and wrist watches, furs
• Apparatus/equipment/instruments (also accessories and software for these) for the production, storage, processing, transmission or reproduction of sound, text, figures or images
• Binoculars and telescopes, musical instruments
• Wines and spirits
• Computers, computer accessories, diskettes, CD-ROMs and other accessories
• Mobile telephones with accessories
• Sunglasses
• Sports equipment and other special equipment such as diving equipment, climbing gear etc.

Requirements of care
The insurance applies to damage to your personal property caused by sudden and unforeseen events, provided that you have observed due care and prudence.

The property shall be handled and stored so that theft is as far as possible prevented. This is particularly important where the property concerned is especially liable to be stolen, highly valuable or of such a nature that under the circumstances it is clearly quite natural to devote special attention to it.

In order to ensure that the level of compensation is not reduced, the requirement of care stipulated in the insurance conditions must be fulfilled. The general deduction for inadequate care is 50%. The deduction may however be greater or less than this, depending upon how gross the negligence.

O.1.1. Theft or damage in one’s dwelling at the study location
The insurance shall apply to theft and damage within the insured person’s dwelling when another person unlawfully enters the premises. The term dwelling shall not include cellars or basements and storage rooms in flat blocks, nor shall it include free-standing garages, outhouses, caravans, tents or similar.

Restriction
The insurance does not apply if the theft or damage is carried out by someone who has been given permission to stay in the dwelling. This shall apply even if someone has entered with the use of a key which he/she has had permission to use.

Requirement of care
Windows, doors, etc. shall be locked when the dwelling is left. Likewise, keys should not be left or hidden in the vicinity of the dwelling or marked and kept in such a way that an unauthorised person is able to determine where the key goes. If the insured shares a dwelling with others, the door to his/her own room shall be locked with a key to which only the insured has access, when the insured leaves the room.

If you have failed to satisfy these care requirements, the compensation may be reduced or denied completely.

O.1.2. Theft of carried property
The insurance shall apply to theft of property which is taken outside the home.

Registered property, which you yourself accompany on a trip, and which according to documentation from the carrier has not been found within 30 days, shall be regarded as stolen carried property.

Restriction
The insurance does not apply to loss in conjunction with comprehensive damages.

Requirement of care
Carried property shall be handled so that theft is as far as possible prevented.

The higher the value of the object, the stricter the requirement of care. Property that is especially liable to be stolen, money and valuable documents shall be kept in such a way that the insured has the property under supervision.

If you leave money, valuable documents, travel documents or propertythat is especially liable to be stolen in a hotel room or similar place, the room shall be locked and the property shall be stored in a lockable storage space, for example a chest or cupboard.

If you have not satisfied these requirements of care, the compensation may be reduced or completely withheld.

O.1.3. Theft of or damage to a bicycle
You will receive compensation for a bicycle which was locked in an appropriate manner. For ‘locked in an appropriate manner’, see below under requirement of care.

The insurance also applies to theft of and damage to a bicycle which has been brought out of the dwelling.

Requirement of care
When you leave the bicycle it must be locked with a bicycle lock which is fixed to the bicycle, with a padlock and chain or with a shackle lock or similar.

If you have not satisfied these requirements of care, the compensation may be reduced or completely withheld.

O.1.4. Property damage other than theft damage

Fire and explosion
The insurance applies to damage to personal property as a result of fire. The same shall apply if the damage has arisen through explosion, sudden sooting or corrosive gas which has been formed as a result of accidental heating of plastic.

Leakage
The insurance applies to damage to personal property caused by liquid or steam which has unexpectedly leaked, if the outflow has occurred from a cistern or piping system for water or oil situated within the house as well as an aquarium or water bed.
The insurance shall also apply to damage caused by leakage from flues, ventilating ducts, drainage systems, down pipes, roofs and gutters.

Natural elements damage
The insurance also applies to damage caused by water or cold or some other unavoidable consequence of the fact that the dwelling where personal property is kept is damaged by:
• Storms with a wind speed of at least 21 m/s
• Hail
• Lightning
• Cloudburst; rain with an intensity of at least 1 mm per minute or 50 mm per 24 h
• Earthquake (at least 4 on the Richter scale), landslide, landslip, rock fall, avalanche or volcanic eruption
• Dam breakthrough
• Snow pressure; damage caused by the fact that the roof of a dwelling (not a terrace, balcony, ceiling or roof-like device) collapses as a result of pressure from snow

Aeroplane which crashes
The insurance applies to damage caused by an aeroplane or other aircraft which has crashed or by parts that have fallen from the craft.

Damage caused by wild animals
The insurance applies to damage to personal property caused by wild animals which have entered the dwelling. The insurance applies to damage caused by rats, mice and other rodents or insects, if their attack on the property was sudden and their ability to attack was unforeseen.

Robbery or bag snatching
The insurance shall apply to property which has been stolen or damaged in connection with robbery or which has been forcibly snatched from you. A condition of the insurance is that the theft must be immediately perceived.
The insurance shall also apply to property which has been damaged in connection with assault.

Traffic accident
The insurance shall apply to property which has been lost or damaged in conjunction with a traffic accident in which you yourself were involved or injured.

O.2. Events for which the insurance does not apply
The insurance does not apply to:
• Loss in connection with comprehensive damages
• Damage through wear and tear, use, degradation, or change due to ageing
• Superficial damage to suitcases and the like such as dents, scratches and so forth without any fundamental impact upon usability
• Damage which has arisen through deficient or unsuitable packing
• Damage through staining, soiling, battering or tearing
Note: Such damage as occurs in conjunction with the insurance events specified in O.1.4 will be compensated however
• Damage which has arisen through registration or another type of forwarding or delivery where you yourself have not been a passenger on the means of transport involved
• Damage through the effects of weather
• Damage due to the ingress of carried liquid or lubricant
• Damage to sporting equipment during use
• Loss which may arise as a consequence of the use of debit cards/credit cards, cheques, bills of exchange and similar
• Loss of property (including cash and valuable documents) which have been left behind, lost or mislaid, even though it is later stolen. If the property has disappeared without it being possible to say, with any probability, how it has disappeared, then it will be regarded as having been forgotten, lost or mislaid
• Loss in terms of one’s own work, lost income, travel and accommodation or other expenses for you or another insured
• Damage which can be compensated through other insurance policies, transport companies, hotels or similar
• Theft from hotel rooms, passenger cabins or similar which are left unlocked
• Theft from cars, boats, caravans or similar which are left unlocked
• Theft/loss of property which is especially liable to be stolen, such as:
- that which may be found in boats, tents, cars, caravans, trailers or similar
- that which may be found in or on motor vehicles
- that which may be found in hotel rooms, passenger cabins or similar without having been stored in a specially locked space such as a cupboard, chest or case
- that which has been registered

O.3. How objects are valued and compensated

O.3.1 Rules for compensation
Gouda reserves the right, instead of paying cash compensation for an item, to provide a new or used item in its place, or, if the item has been broken, to have it repaired. Gouda is also entitled to determine where repurchasing or repair shall occur.

If an item for which Gouda has provided compensation subsequently reappears, you must send it to Gouda immediately. If however you wish to keep the item, you may do so, provided that you return the compensation which you received for that item.

Deduction from compensation shall be made if compensation has been paid from another quarter, for example by a transport company or hotel.

O.3.2 How compensation is calculated
The item shall be valued and compensation determined with regard to its age, wear and tear, its novelty, usability and other circumstances, but without regard to its sentimental value.

According to market value
The property shall be valued at market value, that is to say at what it costs in general commerce to purchase equivalent property of the same type and in the same condition as that which was damaged. This may entail significant depreciation where computers, sound recording devices, computer accessories and mobile telephones are concerned.

According to fixed depreciation
If property cannot be valued in accordance with the above, the value will be depreciated as follows:
- 0-2 years: no age depreciation
- up to and including 3 years: -20% in age depreciation
- up to and including 4 years: -40% in age depreciation
- up to and including 5 years: -60% in age depreciation
- older than 6 years: -80% in age depreciation
A deduction of more than 80% shall never be made if the property was in working order at the time of damage.

Example
You are robbed of a camera that is 2 years and 2 months old and which cost 4,000 kronor when purchased. An age depreciation of –20% is thus applicable and your compensation will be 80% of the price when new, that is to say 3,200 kronor.

Consumer goods
Consumer goods such as cosmetics, perfumes, after-shave, toilet requisites and sanitary products etc. will be compensated at the rate of 50% of what it costs to purchase a new equivalent item.

Restriction
Data media, photographs, film and tape recordings and home-made items, for example hand-sewn clothes, home-prepared food and models which lack market value shall at maximum be compensated at the cost for the raw material.

O.4. Responsibility of the insured
All damage to luggage/personal property shall be reported in writing. The following documents must be submitted to Gouda:
- Completed damage report
- Police report
- Original receipt or equivalent

Theft, robbery or assault must immediately, or as soon as possible, be reported to the police at the place where the incident occurred, and the original police report must be sent to Gouda. Damage which occurred during transportation or at a hotel must be reported to the transport company or to the hotel.

You must also submit an itemised claim for compensation to Gouda as well as provide any information and documents – for example purchase receipts, medical certificates – which Gouda requests in order to settle the loss.

Upon the loss of an insured object, you must be able to substantiate both the fact that you owned the lost object, what the object was worth and how old it was. The requirement related to such substantiation is stricter in the case of property which is especially liable to be stolen or other property of a high value. Regarding loss of property which has been purchased second-hand, it must be possible to produce the original purchase receipt or equivalent which supports the original purchase price and date of purchase of the object. Where the insured cannot satisfactorily prove ownership of the lost object, compensation may be reduced or completely withheld, depending upon the nature of the property and other circumstances.
You are responsible for informing Gouda if there is any insurance that covers the same damage. If there is, you shall not be entitled to any higher level of compensation than that which corresponds to the damage overall.

Repair may only be carried out on Gouda’s approval. Damaged goods must be kept so that Gouda is able to inspect them. You are responsible for co-operating in the inspection of both damaged and undamaged property.

 

Cancellation protection is valid from the date when the insurance premiums were paid and covers all uncommenced outward journeys from Sweden to the country of study in connection with studies.

A refund shall be provided for a ticket which is ordered and paid for, if you are forced to cancel your trip. Gouda will reimburse the cost of re-booking a journey which is re-bookable and where you decide not to cancel the trip but intend to undertake the journey at a later date and thus re-book.

P.1 Scope of the insurance
Compensation shall be provided in the following circumstances:
• If you or a close relative suffer(s) a serious acute illness, serious accident or death. A medical certificate issued following an examination by the attending physician must be produced. See ‘Definitions of who is regarded as a close relative’. The exceptions and restrictions indicated in section E – ‘Compensation for medical treatment’ shall also be applicable in this section.
• If you are accepted for an educational course in Sweden for which you have applied at the same time as the course overseas. Supporting documentation is required.
• An event occurs which causes substantial damage to your permanent residence in Sweden, and this means that you cannot reasonably continue with your study trip. Supporting documentation from the police or an insurance company is required.
• Your educational establishment/school is closed as a consequence of a decision by the authorities, as a result of war, political unrest or other comparable cause such as revolt or insurrection, and on recommendation from the Swedish Ministry of Foreign Affairs. Documentation issued by the competent authority and relating to the closure is required and must be procured by you and sent to Gouda. The insurance is in this case secondary, that is to say that the cancellation protection is not valid if other insurance or another authority or party provides compensation.
• Your school/university is closed as a result of bankruptcy or suspension of payments. Documentation from a court or authority is required and must be procured by you and sent to Gouda. The insurance is in this case secondary, that is to say that the cancellation protection shall not be valid if other insurance or another authority or party provides compensation.

P.2. Restrictions and exceptions
The exceptions and restrictions specified in section E – ‘Compensation for medical treatment’ shall also be applicable to this section. Compensation may further be provided if cancellation is associated with any of the reasons listed below.
• If compensation can be provided from another quarter in accordance with travel conditions, laws, statutes, conventions, travel guarantees, insurance or other.
• Pregnancy of the insured or of a member of the insured person’s family or of a fellow traveller.
• In the event of bankruptcy of the airline company or tour operator, intervention by the authorities or cancelled trip.
• If the reason for the cancellation is that documents necessary for the trip are lacking or incomplete, for example a passport, visa, vaccination certificate or similar.

P.3. Measures to be taken in the event of injury
If you are forced to cancel your trip you must:
• In the case of acute illness, acute injury or an accident immediately visit a doctor
• Cancel the trip with your tour operator
• Submit an injury report to Gouda together with the original tickets, medical certificate or other documentation in accordance with the above and a receipt or other document showing the price of the trip.

Q.1. Validity period of the insurance and payment
The period of validity shall be the period for which you have taken out the insurance. The period shall commence when the trip begins, but not earlier than 0000 hours on the date indicated on the certificate of insurance or at the time apparent from the circumstances. The insurance shall only be valid provided that you have paid for it before the period of validity has commenced. If you have taken out insurance on the initial day, it shall not be valid until the hour that payment arrives to Gouda. Gouda’s liability shall apply only to events which occur during the validity period.
Note: For section P – ‘Cancellation protection’ the insurance shall however be valid from the date on which the insurance is paid.

Q.2. Mentally deficient individuals and children
If the requirement of care or another provision has been neglected by someone whose mental condition is indicated in Chapter 30 section 6 of the Criminal Code or who is under 12 years of age, no deduction shall be made from his/her compensation. On the other hand, deductions may be made from the compensation payable to a person who may be regarded as having consented to the action.

Q.3. Personal Data Act (PUL) (1998:204)
Your personal data that Gouda collects in conjunction with your taking out insurance with Gouda and in conjunction with Gouda’s settlement of claims is necessary in order to enable Gouda to administer the insurance and discharge our contractual obligations and otherwise to satisfy your wishes as a customer. The data may also be used for evaluating and making decisions about the content and design of insurance and market analyses. Personal data can, for the said purposes, be handed over to companies with which Gouda co-operates. The data may also be used to send you information about Gouda’s services and about those of its collaboration partner(s). Gouda also has a certain duty to inform authorities. This means that Gouda must hand over any data that authorities request. You are also entitled to send us a written request for information regarding what data Gouda has about you and how it is used. You may also make a written application to Gouda if you do not want your personal information to be used for purposes which are directly related to marketing.

The address is:
Gouda, Personal Information Representative, Wollmar Yxkullsgatan 14, 118 50 STOCKHOLM, Sweden.
The request for correction of personal data can be made to the same address.

Q.4. Limitation of damage or injury
You shall to the best of your ability attempt to limit damage or injury which has already occurred or to avert damage or injury which may immediately occur.
If you deliberately or through gross negligence overlook an opportunity to limit the injury, and this proves to be to the detriment of Gouda, the related compensation may be reduced or completely withheld.

Q.5. Vaccination and medicines
It shall be incumbent upon the insured person, prior to departure to his/her destination, to undergo prescribed vaccinations. If the insured suffers from a complaint which calls for special medication, it shall be incumbent upon the insured to take this medication with him/her for the whole of the coverage period.
If the insured has failed to do this, then compensation for the costs which arise and which are directly connected with such failure shall be reduced or completely withheld.

Q.6. Payment of compensation
The compensation to which you are entitled shall be paid not later than one month after you have done that which it was incumbent upon you to do. If you are manifestly entitled to at least a certain amount, we will pay this on account in settlement of the final compensation.
When the issue involves property that has been repaired or where a new replacement purchase has been made, we will pay compensation not later than one month after the date on which the property was repaired or the replacement purchase was made.

Q.7. Interest
Should payment of compensation be delayed longer than the period indicated above for any reason, you will receive penalty interest in accordance with the Interest Act for the period of delay. If the delay is due to a police investigation, however, you will only receive interest in accordance with the official minimum lending rate of the Riksbank (Central Bank of Sweden).

Q.8. False information
If you fraudulently state, conceal or withhold anything of importance for assessing damage or injury, your compensation shall be forfeited. The same applies if you have deliberately provoked the occurrence of the insured event.

Q.9. Provocation of an insurance event
If you have deliberately provoked the occurrence of an insurance event, you for your part shall receive no compensation. This also applies if the action was carried out by another person who acted with your consent, or who is in an essentially economic partnership with you (e.g. your spouse).

Q.10. Supplier’s guarantee
For damage for which a supplier or another party is responsible under guarantee or through a similar undertaking, you will receive compensation only if you can show that the party with the undertaking is unable to discharge his/her obligations.

The restriction does not apply to consequential damage to a functional unit other than the one that was faulty.

Q.11. War damage
The insurance does not apply in Sweden to damage that is connected to war, warlike events, civil war, revolution or insurrection.

If damage through war or as a result of other disturbances mentioned here has occurred outside Sweden, the insurance shall apply – with the exception of personal injury as a result of assault – if the damage has occurred within three months of the outbreak of disturbances and if you were staying in the affected area at the time of the outbreak. Another condition is that you must not have participated in the events or have been involved there as a reporter or similar.

On the same conditions, Gouda shall also pay any necessary additional expenses for your journey home – but not for those persons participating in such travel tours as indicated in the Travel Guarantees Act. Gouda shall also pay for the loss of luggage when the loss is due to the property being confiscated or if, on evacuation, you were forced to leave it behind.

If you travel to a country where war, warlike events, civil war, revolution or insurrection has/have already broken out, the insurance shall not apply to damage or injury which occurs there.

Gouda follows the Swedish Ministry of Foreign Affairs recommendations as to which places or countries you should not travel.

Q.12. Additional costs due to delay in the case of war damage
Where there is unavoidable prolongation of one’s overseas stay in excess of 24 hours, compensation shall be provided for the period thereafter to defray additional costs of board and accommodation caused by the delay, at a maximum rate of 200 kronor per 24-hour period or part thereof, but not however for any period longer than 30 days nor if the insurance has been valid for a period longer than three months at time of the outbreak.

Q.13. Nuclear damage
The insurance does not apply to damage to property or where there is liability to pay damages if the damage is directly or indirectly attributable to a nuclear process.

Q.14. Force majeure
The insurance shall not apply to loss which may arise if a damage investigation, repair measure or payment of compensation is delayed as a result of war, warlike events, civil war, revolution or insurrection or official action, strike, lockout, blockade or a similar event.

Q.15. Double protection
If the same interest has been protected against the same risk with a number of insurance companies, each company shall be answerable to you as if it alone had granted such protection. However, you are not entitled to higher compensation from the companies than corresponds in total to the damage. If the sum of the various amounts of liability exceeds the damage, the liability shall be shared between the companies in accordance with the relationship between the amounts of liability.

Q.16. In the event of dispute
If we are unable to agree on the value of the damage to personal property and if we are unable to agree on any other procedure, a statement shall be requested from a claims assessor who is authorised by the Swedish Chamber of Commerce. He/she shall apply the valuation rules of the insurance terms and conditions.

Your cost for this valuation shall be 500 kronor plus 10% of the excess amount, but no higher than half of the fee payable to the claims assessor. Should the claims assessor arrive at a higher amount than Gouda has offered, Gouda shall bear the full cost of valuation.

Q.17. Recovery
To the same extent that Gouda pays compensation for damage or injury, Gouda shall assume the right to demand compensation from the party responsible for the damage or injury. If this is a private individual, Gouda shall demand such compensation only if he/she has caused the damage or injury deliberately or through gross negligence or if the damage or injury is connected with his/her gainful activity.

Q.18 Legal provisions
This insurance shall be subject to the provisions of the Insurance Agreement Act (2005:104) and of Swedish law in general. Disputes arising from the insurance agreement or this insurance condition shall be resolved in accordance with Swedish law in a Swedish court unless otherwise agreed upon or stipulated in the insurance policy.

Q.19. Limitation of claims
Damage or injury which may give entitlement to compensation shall be reported to Gouda as soon a possible and within three years of the date on which you became aware that the claim could be enforced. Assessment of limitation shall be subject to the provisions of Chap.7 section 4 of the Insurance Agreement Act 2005:104 (FAL).
You will lose your right to insurance compensation if you fail to bring an action against Gouda within three years of the date on which you became aware that the claim could be enforced and in any case within ten years of the date on which the claim could at the earliest have been enforced. If you have reported the damage or injury to Gouda within the time specified here, however, you always have six months in which to bring an action against Gouda, calculated from the date on which Gouda informed you of its final decision on the issue of compensation.

Q.20. Repayment of premiums
Premiums shall be repaid in full, without an administrative charge, in the following cases:
• When premiums have been paid twice (only one or two paid premiums will be repaid)
• If you choose not to begin your trip and your studies
• If the school/college does not approve the insurance and the trip has not started.

Premiums shall be partially repaid in the following cases:
• If you have begun your trip, but subsequently interrupt it and return to Sweden ahead of time. Repayment may then occur for that part of the insurance premium which corresponds to that part of the coverage period which still remained at the time of your return to Sweden. In these cases Gouda will extract an administrative charge of 100 kronor
For premium repayment, you must send in a written notice of cancellation to Gouda. If cancellation is due to you returning to Sweden ahead of time you must be able to prove when you returned to Sweden, with the aid of a boarding card or similar, for example.

Q.21. Processing of damage or injury claims
The information which is submitted for the settlement of damage or injury claims will be recorded and processed using information technology.

Q.22. Compensation from other insurance policies
In those cases you are entitled to compensation from another quarter on the basis of laws or statutes or from other insurance, you will not receive compensation from this insurance.

Q.23. Review and appeals
If you have received a decision from Gouda about which you have questions or which you feel is out of proportion to the damage or injury suffered or inconsistent with the insurance terms and conditions in general, Gouda would like you to contact the company as soon as possible. Gouda wishes to assure itself that a misunderstanding has not occurred or that its decision was not taken on the basis of faulty or incomplete information.

Gouda asks you in the first instance to gather your views and submit a written request for a review to Gouda. A new case administrator will then re-examine your case and within a short space of time provide an answer to your questions and views.

If after an internal review you still have views on Gouda’s decision, you can apply to the following authorities for further advice and review:

The Swedish Consumers’ Insurance Office
This office is jointly run by insurance companies and the Swedish Financial Supervisory Board and the Swedish National Board for Consumer Policies. The function of the Office is to give free advice and assistance in various insurance matters to private individuals and certain business people.

Address:
Konsumenternas Försäkringsbyrå (The Swedish Consumers’ Insurance Office)
Klara Norra Kyrkogata 33
111 222 Stockholm
Sweden

Telephone: +46 8-22 58 00

The Swedish National Board for Consumer Complaints (ARN)
ARN has a special department for insurance issues for private individuals. If you want to request that ARN examine your case, you should apply to the ARN office:
Allmänna Reklamationsnämnden (ARN) Box 174, 101 23 Stockholm, Sweden telephone +46 8-555 017 00. The examination is free of charge. The Board does not deal with negligence issues and personal injuries related to traffic accidents. Nor does the Board deal with assessment of medical disablement.

Court
As in all disputes, one may also apply to the court to have one’s case tried. Contact your nearest Swedish district court to find out more about, for example, simplified court proceedings. Within the framework of the terms and conditions, legal protection insurance shall also apply in disputes with Gouda. Observe however that if the dispute concerns valuation, this shall be tried in accordance with the General Provisions of the insurance terms and conditions, Q.16.

 

Acute illness
Acute illness refers to a morbid condition which arises during the coverage period. For the illness to be regarded as having arisen during the coverage period, the symptoms must have occurred and the first contact with a doctor must have taken place after entering into the insurance.

Acute injury
Acute injury refers an injury which arises during the coverage period which by definition is not an accident. In order for the injury to be regarded as having arisen during the coverage period, the injury must have occurred, the symptoms must have arisen and the first contact with a doctor must have taken place after the insurance went into effect.

Acute dental problems
Acute dental problems refers to dental problems which the insured suddenly and unexpectedly suffers and which are not attributable to deficient oral hygiene or do not have any connection with the insured person’s failure to undergo routine dental check-ups at least every 18 months.

Comprehensive damages
Comprehensive damages refers to damage to your property which arises through a sudden and unforeseen event. For example, if you stumble and drop your camera on the ground and your camera is then damaged, or if you drop it in the sea so that it disappears, this damage will be regarded as comprehensive damages.

Gouda’s Emergency Centre
Gouda Alarm, Sejrögade 7, 2100 Copenhagen, Denmark
Telephone +45 33 15 60 60, Fax +45 33 15 60 61
e-mail: alarm@gouda-rf.se

Home country
Home country refers to one’s country of residence, that is to say the country where you were registered and where you were living at the time prior to your departure.

Close relative
Close relative refers to a husband, wife, partner, registered partner, child, brothers and sisters, parents, paternal grandparents, maternal grandparents, parents-in-law or another person with whom the insured is living. Brothers and sisters refers to children of biological parents and adoptive parents. See definition of partner below.

Necessary and reasonable costs
Necessary and reasonable costs refers to costs which Gouda, with regard to the circumstances in the particular case in question, might reasonably expect as customary and usual, both as regards the magnitude and the nature of the costs.

Accident
An accident refers to physical injury suffered involuntarily by the insured as a result of a sudden and unexpected external event (external violence). Where frostbite, heat stroke and sunstroke are concerned, the requirement as to suddenness shall be overlooked. The date on which such injury manifests itself shall be regarded as the date when the accidental injury occurs. Chewing and biting injuries shall not be regarded as accidents.

Price base amount, PBB
The price base amount stipulated by the General Insurance Act (1962:381). It is worked out on the basis of changes to the general price level. According to current provisions, this is indicated by the development of the consumer price index and is fixed for an entire calendar year.

Registered property
Registered property refers to property which is handed over to a transport business, airline company or another party for forwarding (checked in luggage), even if the insured individual is travelling on the same transport means.

Premium area
Premium area refers to the geographical area for which the insurance has been taken out (Europe or World Wide)

Start and finish of trip
The trip will be regarded as having begun when the insured person leaves home or the equivalent in order to begin his/her trip, and it will be regarded as having finished on his/her return to any of these places.

Travel Guarantee Act
Those persons who are covered by the Travel Guarantee Act are those who have purchased an individual trip which has been marketed with a pre-arranged programme and which includes costs for the journey and accommodation. Those who are covered by the Travel Guarantee Act are also those who have purchased a trip which has been designed for a group of travellers.

Travel documents
Travel documents refers to travel tickets, travellers’ cheques, passports, petrol and restaurant coupons, lift and green fee cards and similar.

Robbery
Robbery constitutes violence against the person or the use of threats which involve imminent danger. Also included herein is less severe violence against a person provided that the violence and theft are immediately perceived by the person who is exposed to the violence, and he/she has done what may reasonably be expected of him/her to prevent or reduce the injury, and provided that the event can be substantiated through reliable investigation.

Partner
Partner refers to the person with whom the insured lives in a quasi-marital relationship and who is registered at the same address. In order to be considered a partner, it is required that none of the partners be married or have a registered partnership with anyone other than the person with whom he/she lives.

Damage/injury report
Gouda’s special form for the damage/injury report, which can be found on the Gouda website at www.gouda-rf.se. The form may also be requested by telephoning +46 8-615 28 00. There is a separate form for cancellation losses, and a common form for other damage/injuries.

Property which is especially liable to be stolen
Property which is especially liable to be stolen refers to cash, travel documents or other types of valuable documents, objects wholly or partly made of precious metal, genuine pearls and jewels, antiques and artwork, genuine oriental carpets, pocket and wrist watches, furs and pelts, apparatus/equipment/instruments (including accessories and software for such property) for the production, storage, processing, transmission and reproduction of sound, text figures or images, telescopes and binoculars, musical instruments, wines and spirits, computers, computer accessories, diskettes, CD-ROMS and other accessories, mobile telephones with accessories, sunglasses, special equipment such as diving equipment, climbing gear etc.

Disputes
A dispute refers to a legal disagreement which cannot be resolved without the involvement of judicial authorities. In order for a dispute to be considered existent, all non-judicial possibilities of resolution must have been exhausted.

Valuable documents
Valuable documents refers to shares, bonds, bank books, promissory notes, stamps, value coupons, tickets etc.

Assault
Assault refers to injury through violence against the person.

 

If you suffer an injury which entitles you to compensation under the insurance terms and conditions, please read these instructions carefully. Observe that there are instructions for each section of the insurance terms and conditions, which are not accounted for in this section.

Reporting injury to:
Gouda Reseförsäkring
Wollmar Yxkullsgatan 14
118 50 STOCKHOLM
Sweden
Telephone +46 8 615 28 00
Fax +46 8 641 84 80
e-mail: skada@gouda-rf.se

The injury report must always be completed and sent to Gouda. You can order the injury report form from Gouda’s website at www.gouda-rf.se, or ring Gouda on +46 8-6115 28 00 and Gouda will send you the injury report form. Injury shall be reported to Gouda as soon as possible and within three years of the date on which you became aware that your claim could be enforced. Chap.7 section 4 of the Insurance Agreement Act (2005:104) shall apply to limitation of claims.

In all cases of injury, the original receipt, original medical certificate, original police report etc. must be sent Gouda. You must also provide Gouda with an itemised claim for compensation and give Gouda the information and documents, for example purchase receipts, medical certificate etc. which Gouda requires in order to settle the injury claim. You are responsible for informing Gouda if there is any other insurance which is valid for the same injury. In such cases, you are not entitled to higher compensation than that which in total corresponds to the injury.

S.1. Responsibility of the insured person
Below is a guide outlining how the insured person should respond in the event of damage/injury, depending upon the type of damage/injury which has occurred. The guide is general and shall be read together with the provisions which can be found under the respective compensation sections in the insurance agreement.

 

Event/damage/injury	Action by the insured
Medical treatment	If medical treatment is required, Gouda’s Emergency Centre must be contacted as soon as possible, if possible before a doctor is visited. In such cases Gouda is able to provide advance information regarding cover and to investigate the possibility of issuing a payment guarantee to care providers who accept these. If the insured has visited a doctor without contacting Gouda’s Emergency Centre, the insured can ask the care provider to invoice Gouda directly or pay for the visit and then submit the original receipt and other medical documents to Gouda together with an injury report, and Gouda will then subsequently decide the extent of insurance coverage.
Hospitalisation	Should an acute illness, acute injury or accident require hospitalisation, Gouda’s Emergency Centre must be contacted.
Death	In the event of death, contact Gouda’s Emergency Centre. Our personnel, in consultation with the concerned authorities, can attend to the necessary arrangements
Summons to return home/ Summons to the insured individual’s location	If the insured needs to go home as a result of the illness/injury/death of a close relative or due to damage to his/her private residence or if a close relative has to travel to the insured on account of the latter’s illness/injury/death, Gouda’s Emergency Centre must be contacted to assess the entitlement to compensation and to attend to the travel arrangements. If the insured himself/herself or his/her close relative makes arrangements for the trip, the injury report must be sent to Gouda together with original receipts for incurred costs and Gouda will then subsequently decide the extent of the insurance coverage.
Transportation home	If for medical reasons the insured person needs to be transported to Sweden, Gouda’s Emergency Centre must always be contacted, and the latter in consultation with the attending physician shall assess the necessity of the trip and when and in what way it should occur.
Trauma therapy	If an event occurs which entitles compensation and entitles the insured to trauma therapy, Gouda or Gouda’s Emergency Centre must be contacted. All treatment must be approved by Gouda in advance. The event must be substantiated with documentation obtained from the authority involved and costs must be substantiated with original receipts.
Compensation for disablement/death	Contact Gouda for further instructions.
Theft/Other property damage	Theft, robbery, burglary and the like must be immediately reported to the local police authority at the place where you are staying directly after the event. Damage/injury/theft during transportation must be reported to the transport company and the insured must be able to produce documentation obtained from the transport company regarding any compensation which such company granted. A damage/injury report shall be sent to Gouda as soon as possible together with a police report/documentation from the transport company and original receipts to support loss of property.
Liability protection	Gouda must be contacted immediately on the occurrence of any injury/damage which incurs liability to pay damages. A damage/injury report must be submitted together with a detailed description of the course of events in addition to a written claim for damages addressed to the insured from the injured party.
Legal protection	As soon as a dispute, or suspicion of an impending dispute, arises, Gouda must be contacted for further instructions.
Assault	The insured shall, immediately after the event, notify the police of the event at the place where it happened and visit a doctor or hospital there for treatment and assessment of the injuries caused by the assault. An injury report together with the original police report and original medical certificate must be sent to Gouda.
Cancellation	The trip must be cancelled with the travel agent. Also contact Gouda as soon as possible. A damage/injury report must be sent to Gouda along with the original medical certificate, original receipt showing the price of the trip and original tickets.

S.2. Gouda Emergency Centre
Acute injury which requires immediate assistance must be reported to:

Gouda Alarmcentral (Gouda Emergency Centre)
Telephone +45 33 15 60 60
Fax +45 33 15 60 61
e-mail: alarm@gouda-rf.se

Postal address:
Sejrögade 7
2100 COPENHAGEN
DENMARK

In the event of damage/injuries in the USA/Canada:
+1 86668 GOUDA
e-mail: alarm@gouda-rf.se
Gouda’s Emergency Centre is available 24 hours a day, 365 days a year. If the injury involves acute illness or an accident, doctors are available to act in the matter and establish contact with the attending physician at the place of injury.
Gouda recommends that, before contacting Gouda’s Emergency Centre, you collect all relevant information (insurance number, name, address and telephone number for the attending physician, diagnosis and so forth), so that Gouda can as quickly as possible begin working on the matter.

 

Gouda Reseförsäkring, 516402-7897
Subsidiary of Goudse Schadeverzekeringen N.V., Gouda, Holland
Wolmar Yxkullsgatan 14
S-118 50 Stockholm
Sweden

Telephone: +46 8 615 28 00
Fax: +46 8 641 84 80
Website: www.gouda-rf.se
e-mail: info@gouda-rf.se

 

For information on the insurance, price information, purchase and extension, contact Aon Sweden AB on +46 8-587 840 10, e-mail: info@gouda-rf.se or visit our website at www.gouda-rf.se.

Always contact Gouda in the event of injury.

Gouda Reseförsäkring
Wollmar Yxkullsgatan 14
118 50 STOCKHOLM
Sweden

Telephone +46 8 615 28 00
Fax +46 8 641 84 80

Email: claims@gouda-rf.se
www.gouda-rf.se