Life insurance via SPV
As a government employee, you are covered by an occupational group life insurance policy. This policy will pay out a lump sum and funeral assistance to your surviving relatives, i.e. your spouse/partner and children.
Your life insurance is valid from the day you start at the Swedish University of Agricultural Sciences. It is also valid during holidays and periods of sickness and leave.
The policy is valid for as long as you are employed, but it will cease when you reach the age of 65 (67). Post-employment cover is available if you leave your employment before the age of 65. This post-employment cover is applicable
- for 180 days
- in case of unemployment, max. 2 years
- if you receive full parental benefit, max. 2 years
- in case of illness, for as long as you are ill
The insurance policy does not apply to employees who are receiving more than half early retirement pension/incapacity benefit or full sickness allowance at the start of their employment.
Remember to tell your immediate family that you have life insurance!
Find out more about the insurance on the SPV website: www.spv.se
Personal injury insurance (PSA)
Anyone employed in the state sector is covered by the Compensation for Personal Injury Agreement (PSA). This is a collective agreement concluded between the central employers’ and employees’ organisations. This agreement can supplement compensation from the Swedish Social Insurance Agency (Försäkringskassan) and other collective agreements for any employee who is injured at work. The insurance is provided by AFA Försäkringar.
This insurance is valid for personal injury in connection with work. An occupational injury is an injury resulting from an accident at work, an accident on the way to or from work (travel accident) or an occupational illness caused by adverse effects at work. Injuries due to threats and violence can also be regarded as occupational injuries.
The insurance also covers accidents when working at home. The decisive factor in determining whether an injury is to be regarded as an occupational injury is the link (connection) that the injury has with the work. This means that you have to have been injured while performing your duties. Examples include tripping over the cable for your work computer, sitting at your computer and answering work-related emails or sitting at your computer and talking to a colleague/customer on the phone. However, the insurance does not apply if you are injured at home in general. Sustaining an injury while making coffee in the kitchen, for example, does not count as an occupational accident even if it happens during normal working hours.
You must contact your manager if you are injured at work. You and your manager must report your occupational injury.
The IA system is used to report injuries
If you are injured at work, as an employee you can receive compensation through either the Swedish Social Insurance Agency or AFA Försäkringar You can register with the Swedish Social Insurance Agency via its website. You can use the Occupational Injury Guide to find out who to consult and report the matter to in order to get compensation for your injury. The guide can be found at: https://arbetsskadeguiden.se/
You must call in sick if you fall ill because of your injury. The Swedish Social Insurance Agency assesses whether it constitutes an occupational injury. If you are ill, the same rules apply as for “regular” illness. As with regular illness, your employer will reimburse certain costs for medical care, hospital care, some dental care, etc.
As a government employee, you may be entitled to compensation under the Personal Injury Agreement. You can get compensation for loss of income, pain and suffering, disability and permanent injury. You can also get compensation for costs incurred in connection with the occupational injury, such as damaged clothes or glasses. Keep all your receipts!
Compensation for road traffic accidents when travelling to and from work is payable in accordance with the Swedish Motor Traffic Damage Act. This is why it is important for you to report any road traffic accidents to your own insurance company as well. Accidents during business travel are covered by our business travel insurance: see below for more information.
Find out more about the insurance on the AFA website: https://www.afaforsakring.se/privatperson/arbetsskadeforsakring/las-mer-och-anmal/
Business travel insurance
The Swedish University of Agricultural Sciences has a group insurance for business travel with Kammarkollegiet (the Legal, Financial and Administrative Services Agency). This means that the insurance do not need to be taken out in individual cases.
The insurance covers all international and domestic travel on behalf of SLU. It is valid throughout the trip, regardless of where it starts – at work, home, or somewhere else. For international business travel, the insurance also covers any breaks due to leave at a place that is different from the traveller’s regular place of work.
To be considered business travel, a trip must be directly linked to the traveller’s duties at SLU and be approved by the university. Read more about business travel on the web pages of the Division of Human Resources. There, you can also download an insurance certificate to bring with you when travelling abroad on business.
Staff travelling to Russia on business must have a business visa. Business visas are issued by Kammarkollegiet. The processing time is approximately 7 working days.
EU nationals, and others covered by a state social security scheme in an EU country, need to take their European Health Insurance Card (EHIC) with them when travelling in the EU. You can read more about the EHIC here. For those covered by Swedish social insurance, the EHIC card can be ordered on the Swedish Social Insurance Agency’s website.
The insurance is valid also for regions where the Ministry for Foreign Affairs advises against travel.
Learn more about the insurance and the insurance conditions on the Kammarkollegiet website.
Insurance for foreign visitors
The Swedish University of Agricultural Sciences has a group insurance for foreign visitors with Kammarkollegiet (the Legal, Financial and Administrative Services Agency). This means that the insurance do not need to be taken out in individual cases. This policy is intended to meet the insurance cover needs of certain groups or individuals who are in some way connected with a public authority and who do not have adequate insurance cover and cannot or should not provide such cover themselves. The university has selected the following categories of individuals covered by the policy:
- Foreign visitors to the Swedish University of Agricultural Sciences. A visitor is a person who participates in university activities, either as an employee for less than one year or as a non-employee who is intending to stay for less than one year.
- Foreign students and doctoral students who are covered by the general personal injury insurance taken out by CSN but who are not covered by Student IN or FAS+.
- A foreign person who completes a postdoctoral qualification at the Swedish University of Agricultural Sciences without being an employee. The policy covers people in this group for a maximum of 2 years.
The policy is valid for travel directly between your home country and Sweden, and 24 hours a day in Sweden. The policy is also valid 24 hours a day within the Schengen Area if the insured person has a Schengen visa issued by the Swedish diplomatic mission (but not in their home country). The policy is only valid in Sweden if the insured person does not have a Schengen visa.
The policy covers: Emergency medical care, emergency dental care and part of personal private property.
The definition of emergency medical care in the policy terms is as follows:
“5.1 Emergency medical care
Treatment for a sudden medical condition which occurs suddenly during the period of insurance in Sweden, and for which the insured person must seek medical treatment within a few days. The term ‘emergency medical care’ is the same as the term ‘immediate medical care’ in Section 4 of the Health and Medical Services Act (1982:763). Medical care needed for an illness that occurs during the stay in Sweden and where care is needed as soon as possible for stomach ache or fever, for example, are examples of emergency medical care.”
Notifications of injury or claims for compensation are submitted via the Kammarkollegiet website. The university confirmation must be completed in the registration form, and this is done by the personnel administrators at the department. This confirmation merely indicates whether or not the person is covered by the policy. Kammarkollegiet makes the decision on whether compensation is to be paid.
Find out more about the insurance policy and the terms of the insurance on the website of Kammarkollegiet: www.kammarkollegiet.se
Employment abroad for employees of public authorities (URA insurance)
The Swedish University of Agricultural Sciences does not have central group insurance for employment abroad for employees of public authorities (URA insurance). Therefore, this insurance must be taken out by the department in each individual case.
The insurance must be taken out for the entire period of service abroad for the staff member and any family accompanying them. Insurance needs to be taken out well in advance of departure. The foreign contract must be complete and URA insurance must be taken out prior to departure.
The insurance is valid during the journey to and from the country of employment and during the period of employment. Both the employee and their accompanying family will retain all benefits in Sweden during the period of employment abroad, which means that they will all remain covered by Swedish social security. If family members have remained in Sweden and come to visit, they will only be covered by the URA insurance during their visit if the university pays for their travel.
To take out this insurance, the department needs to send an email to: firstname.lastname@example.org
This email must include the following information: Type of insurance (URA or URA with supplementary property insurance. URA with supplementary property insurance is not normally applied at the Swedish University of Agricultural Sciences), the names and personal identity numbers of the people to be insured (the employee and anyone accompanying them who is included in the URA contract), the country to which they are posted, the period of insurance, the sum insured (in the case of supplementary property insurance), the name of the client, the postal address and a billing address and invoice reference.
The policy covers: You have the same right to healthcare as at home in Sweden when you are employed by a public authority and posted abroad. This policy covers emergency medical or dental treatment, for example, and repatriation to Sweden if necessary. If you suffer a life-threatening illness or injury, the policy will cover travel for three relatives to visit you. The policy does not cover regular check-ups or medication for illnesses that have occurred before you travel.
URA insurance does not include property cover. This means that you cannot apply for compensation if your personal belongings are damaged or stolen. For more comprehensive cover, the university can take out supplementary property insurance. (This must be stated in the email when taking out the policy.) URA with supplementary property insurance is not normally applied at the university.
Find out more about the insurance policy and the terms of the insurance on the Kammarkollegiet website: www.kammarkollegiet.se