Student personal accident insurance
Underwriter: Länsförsäkringar Skåne
Period of the agreement: 1 May 2015 – 31 December 2019
The policy covers students:
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in preschool, compulsory school, upper secondary school and recreational
centres (24 hours a day 365 days a year)
placed in foster homes, with support families, with contact families or
pursuant to the Act concerning Support and Service for Persons with Certain
Functional Impairments, etc. (24 hours a day 365 days a year)
in municipal adult education programmes, as well as children and adolescents
in other municipal services (only during school and activity hours)
The policy covers both municipal and independent schools, as well as students from Lund who are
attending school in another municipality.
Filing claims on personal accident insurance policy:
Länsförsäkringar Skåne
Policy number: 2810893
Filing by phone: 040-633 91 37, 8.00 am – 4:30 pm or
personskadeavdelningen@lansforsakringar.se
Deductible
None
Find out more in attached documents
WHOM IS THE POLICY FOR?
WHEN IS THE POLICY IN FORCE?
Students in preschool (including independent preschools, as well as students in and from other municipalities)
Full-time
Students in compulsory school (including special needs schools, recreational centres, independent schools and students in and
from other municipalities)
Full-time
Students in upper secondary school (including special needs schools, independent schools and students in and from other
municipalities)
Full-time
Children and adolescents placed in foster homes
Full-time
People receiving services pursuant to the Act concerning Support and Service for Persons with Certain Functional Impairments
Full-time
People at residential care centres
Full-time
Students in municipal adult education programmes
Activity hours
People with contact and support families
Activity hours
People in labour market programmes, occupational rehabilitation, etc.
Activity hours
Volunteers
Activity hours
Community service for young people (administered by the Social Services)
Activity hours
DEFINITIONS
Full-time: Entire day, including school, recreation and working hours
Activity hours: The hours during which the policyholder is involved in activities provided by the municipality at schools,
childcare, etc., as well as travel back and forth. The policy also covers other activities arranged by the school or facility as
approved by the principal, such as field trips and practical occupational experience (PRAO).
COVERAGE
INSURED SUM
Medical disability < 50% – 15 x price base amount1
Medical and financial disability at least 50% – 30 x price base amount1
Compensation for death – price base amount1
Healing, dental injury and travel expenses
Necessary, reasonable expenses
Clothing and eyeglasses (if injury required a medical or dental appointment)
Up to 0.25 x price base amount1
Scar compensation
Per table adopted by Länsförsäkringar
Pain and suffering
Per table adopted by Länsförsäkringar
Medical devices – up to price base amount1
Medical rehabilitation – up to price base amount1
Crisis coverage – up to 10 sessions
Infection – 5 times price base amount1
There is no deductible.
The price base amount for 2015 is SEK 44,500
The policy covers compulsory or upper secondary school students until 1 September of the year they graduate.
Terms of the policy
Personal accident
Policy no.
2810893
LUND MUNICIPALITY
policy STID 1 May 2015 –
31 December 2015
In the case of schoolwork, compensation may be paid for additional expenses in connection with travel between home
and place of employment or school.
COMPENSATION FOR DEATH
Compensation is paid if the accident led to the death of the policyholder within three years.
Compensation is paid for policyholders who were younger than 25 at the time of the accident, regardless of the cause.
CLOTHING AND EYEGLASSES, ETC.
If the accident required a medical or dental appointments compensation is paid for clothing, helmets, eyeglasses,
hearing aids and other medical devices worn at the time of the accident. Compensation is paid for any expenses
associated with repair of damaged clothing, eyeglasses, etc.
SCAR COMPENSATION
Compensation is paid per the table no earlier than one year after the accident. Compensation is paid only if the
accident required medical treatment.
PAIN AND SUFFERING
Compensation is paid if the period of acute illness exceeded 30 days.
MEDICAL DEVICE COMPENSATION
Compensation may be paid in connection with expenses not covered elsewhere for medical devices that a doctor has
prescribed and that can relieve the symptoms of disability after an accident. Länsförsäkringar must approve the
expenses in advance.
MEDICAL REHABILITATION
Compensation may be paid for services prescribed by a doctor for the purpose of promoting return to work or studies.
Double coverage
If the policyholder is covered by multiple municipal personal accident policies with Länsförsäkringar, compensation is
paid by only one of them. Compensation is paid by the policy that is most advantageous to the policyholder.
VALIDITY OF A CLAIM
Compensation is paid only if the policyholder:
•• promptly saw or made an appointment with a doctor or dentist
•• notified us by calling 040-633 80 00 or
writing to skador.skane@lansforsakringar.se
olycksfall_LUNDS KOMMUN_141208
Information for parents
Public insurance is often insufficient if your child has a serious
health problem. The municipal personal accident policy covers accidents only.
Illness is the most common cause of childhood disability. Municipal insurance
does not cover such situations. Obtain additional coverage with our policy “A Good Start –
“Child Insurance.” It is the biggest favour you can do for your child.
Call the office nearest you and we will tell you more about it.
WHERE IS THE POLICY IN FORCE?
The policy is in force around the world. But keep in mind that it is not a travel policy. If you travel outside the Nordic
countries, you will need a separate travel policy that covers healthcare expenses abroad and expenses for being brought
back home in the case of illness or accident.
TERMS OF THE POLICY
This insurance statement describes the policy only briefly. Claims settlement is based on the terms of the agreement
between Lund Municipality and Länsförsäkringar Skåne.
INJURY FROM AN ACCIDENT
An injury from an accident is a physical injury that you sustain involuntarily due to a sudden external event.
The injury may be caused by frostbite, heat, sunstroke, total rupture of the Achilles tendon, twisted knee, infection due
to a tick bite, etc.
INFECTION
The policy covers infection with HIV, as well as hepatitis B and C, as a direct result of an accident.
CRISIS INSURANCE
Compensation is paid if you experience an acute psychological crisis due to
•• serious accident
•• assault, threat, robber or rape (a report to the police is required)
Compensation is paid for reasonable expenses associated with up to 10 sessions with a licensed psychologist,
psychotherapist or other trained counsellor. Länsförsäkringar must recommend or approve the therapy. The policy
does not cover psychological problems due to bullying.
DISABILITY DUE TO AN ACCIDENT
Medical disability refers to permanent impairment of physical function.
Financial disability refers to at least 50% permanent reduction of work capacity.
HEALING, DENTAL AND TRAVEL EXPENSES
Compensation is paid for reasonable, necessary expenses associated with care or treatment prescribed by a doctor to
heal the injury. Compensation for dental injury is paid to cover expenses that Länsförsäkringar Skåne has approved in
advance. Compensation is also paid for necessary emergency treatment without advance notice. Dental injury due to
chewing or biting is not covered. Compensation is paid for necessary travel to obtain care or treatment. If the doctor
orders that you take special means of transportation while receiving medical treatment, to do your job or to perform
your schoolwork, compensation may be paid for additional expenses associated with travel to and from home.
Important information about your policy
lansforsakringar.se/skane
Helsingborg Södergatan 15, Box 742, 251 07 Helsingborg, 042-633 80 00 | Malmö Lugna Gatan 82, Box 4548, 203 20 Malmö, 040-633 80 00 |
Lund Stora Södergatan 17, Box 14, 221 00 Lund, 046-433 80 00 | Ystad Österleden 3 A, Box 1531, 271 00 Ystad, 0411-33 80 00 | Ängelholm
Midgårdsgatan 18, Box 1090, 262 22 Ängelholm, 0431-33 80 00 | E-mail: foretag.skane@lansforsakringar.se