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CorporateExpatriateInsuranceAppendix to terms and conditions 705Effective January 2013
Contents§1§2§3 Medical expenses§4 Dental treatment§5 Expenses for travel and transportation§6 Pregnancy and delivery333334§7 Exceptions and limitations§8 Filing a claim§9 Payment of compensation and regulationsfor interest of delayContact Gouda ReiseforsikringAbout Gouda ReiseforsikringService centreSpecialists in travel insurance 46 8 615 28 00business@gouda-rf.seClaims centre 46 8 615 28 00businessclaims@gouda-rf.seYour questions can also be answered on our website44Gouda Reiseforsikring is one of the North’s largest travel insurancecompanies and has been operating in Norway since 2002. GoudaReiseforsikring is part of Gjensidige Forsikring ASA, Norway. Thecompany has provided life insurance, health insurance andinsurance of valuables since the first fire office was established in1816. Gouda continues as part of Gjensidige’s Nordic branch.Gouda Reiseforsikring helps travellers- on holiday and while workingwww.gouda-rf.seGouda Reiseforsikring offers a broad range of quality products toInsurance terms and conditions 705Together with the more than 300 travel agencies and 250 insuranceprivate and business travellers as well as foreign posting insurance.brokers that sell Gouda travel insurance, we offer specialised,personal and thorough advice to travellers on holiday and businesstravellers.2
Appendix to policy conditions no 705,Insurance for expatriates EXPAT BusinessThis appendix applies in addition to, and above, what is stated in§4 Dental treatmentgeneral policy conditions 705.Compensation is payable for dental treatment due to accidentaldental injury and for dental illness requiring oral surgery and thatRegulation in policy condition 705 that, in comparison with thiscannot be attributed to normal dental care. Compensation is alsoappendix, is detrimental to the insured does not apply to insurancepayable for temporary emergency treatment, regardless of howtaken out with additional coverage “LFU-coverage”. It is stated onthe need for emergency treatment occurred.the insurance policy if such additional coverage has been taken out.Treatments and expenses must, except for necessary emergencyRegulations regarding medical expensesduring secondment abroadtreatment, be pre-authorized by Gouda. If, at the time of theincident, insured suffers from pathological or abnormal medicalchanges, compensation is only payable for damage that can beassumed to have had occurred if such changes had not existed.§1This insurance coverage applies for employee serving on asecondment abroad on behalf of Swedish employer that directlybefore commencing his/her secondment abroad was covered underSwedish occupational insurance, unemployment insurance or whoserved on a secondment abroad.Insurance for medical expense shall also apply to the insured’saccompanying spouse and child under 21 years of age, if theinsured and his/her employer has agreed that spouse and child areto accompany the insured in his/her secondment abroad.This insurance coverage seize to apply upon re-entering the socialsecurity system in Sweden.§2§2 If insured, during the policy period, suffers from illness andaccidental injury (claim/incident) compensation apply according toregulations below.Accidental injury is defined as a bodily injury suffered unwillinglythrough sudden external violence.The insurance cover costs for medical treatment prescribed byDamage to permanent denture is compensated according tocorresponding regulations for natural teeth. This also applies toremovable dentures if damaged when they were placed in themouth.Accidental dental injury is compensated for maximum five yearscounting from the day of the injury, given that dental treatment iscommenced within three years from the day of the injury.If final treatment have to be postponed due to insured’s age, suchtreatment is however covered if treatment is performed before theinsured reaches the age of 25. The insurance furthermore coversuch treatment up until the insured reaches the age of 30, giventhat Gouda has determined coverage and pre-authorizedtreatment before the insured reaches the age of 25.Dental treatment due to other cause than accidental injury is onlycompensated during the policy period.§5 Expenses for travel and transportationCompensation is payable for necessary and reasonable travelexpenses in conjunction with hospital care, medical treatment,dental treatment and other treatment prescribed by licensedlicensed doctor or dentist.doctor and covered under this insurance.Compensation is payable provided costs are not covered by otherCompensation is payable for additional expenses, caused by illnessparty, legislation or convention.or accidental injury, for repatriation of the insured and his/her§3 Medical expensesfor transportation is prescribed by licensed doctor. Compensation isCompensation is payable for necessary and reasonable medicalexpenses, hospital care, treatment, medication and other means ofassistance prescribed by licensed doctor for a specific illness orinsured family members, given that the repatriation and the meansalso payable for journey back to the place of residence.Repatriation is compensated only if it is carried out within threeyears counting from the first doctor’s visit.accidental injury covered under this insurance.3
If illness or accidental injury leads to death within a year,paid by Gouda. Gouda has the right to demand that an insuredcompensation is payable for necessary and reasonable expensesundergoes a physical exam at an appointed doctor. Should travelfor bringing a deceased insured and his/her insured family back toexpenses occur in conjunction with such physical examthe country of origin. Compensation is also payable for othercompensation is payable for necessary and reasonable travelnecessary arrangement connected to such transportation.expenses.The insurance furthermore cover necessary and reasonablePermission for assessment on Gouda’s liability regardingadditional expenses for room and board, for maximum 60 days, ininformation from doctor, hospital, other health institution, socialconjunction to such repatriation and transportation.security insurance or other insurance must be given if requested.§6 Pregnancy and deliveryAll expense claims must be verified with original receipts orCompensation is payable for necessary and reasonable expensesequivalent documentation. If the claimant is not the insured he/shefor regular check-ups during pregnancy and expenses inmust verify his/her right to compensation.conjunction to delivery.§7 Exceptions and limitations§9 Payment of compensation and regulations forinterest of delayIf the insured, before entering into the policy period, has hadCompensation shall be paid out within one month after the right tosymptoms (that can be objectively determined) due to accidentalcompensation enters into force and after the claimant has fulfilledinjury or illness compensation is only payable for additionalhis/her obligations when filing the claim.expenses due to acute deterioration of such accidental injury orillness.If payment is delayed Gouda will paid interest of delay according toThe insurance does not cover medical expenses if the insured hasinterest amount is smaller than 0,5 % of the price base amountbeen dissuaded by a doctor to commence his/her secondmentaccording to the Swedish National Insurance Act.abroad.the Swedish Act of Interest. Interest of delay is not paid if theI Gouda have paid compensation Gouda will take over the insured’sCompensation is payable for expenses if insured suffers from illnessright to compensation from third party for the covered injury inor accidental injury caused by war or political disturbance, givenquestion.that the insured has not participated in the war or the politicaldisturbance.§8 Filing a claimThe insured is obliged to visit doctor without delay when illness oraccidental injury occur. The insured must furthermore followtreating doctor’s orders and prescription and follow Gouda’sdirectives.Gouda has the right to decide it treatment due to illness oraccidental injury is to be carried out in Sweden or in the country ofresidence.Claim must be reported as soon as possible when incident occur.All documents and information of significance for assessing a claimshall be collected and provided by the insured without any cost forGouda. If Gouda demands a certain doctor’s certificate is however4This appendix is in force from January 1st 2013.
Gouda ReseförsäkringBox 3031103 61 StockholmSwedenPhone 46 08-615 28 00Org. number: 516407-0384E-mail: business@gouda-rf.segouda-rf.sePart of Gjensidige-gruppenGjensidige Forsikring ASA, NorgeOrg. number: 995 568 217
Gouda Reiseforsikring offers a broad range of quality products to private and business travellers as well as foreign posting insurance. Together with the more than 300 travel agencies and 250 insurance brokers that sell Gouda travel insurance, we offer specialised, personal and thorough ad
