Accidents can happen to anyone
Here you can find out how much money you can receive if you become sick or have an accident.
This is how your monthly income is affected
Here you can see how your income is affected in various situations.
Extent of sick leave (percentage of your working hours)
Additional compensation you may be entitled to
You may be entitled to additional compensation from either a private insurance policy or insurance that your employer has taken out.
Compensation
Illness & accident
Your illness and accident insurance covers this instead
Illness & accident
Work injury
Ask your employer what protection you have.
Jennifer fell off of a horse and received SEK 105,800
Jennifer fell off of a horse
Jennifer, who is 25, was practising jumping when she fell off her horse. She was taken to hospital with back pain and there the doctor confirmed that she had been injured in the lumbar region of her back.
What happened afterwards?
Jennifer was in hospital for two weeks and was on sick leave from her work as a web designer for two months. She had accident insurance through her riding club, which gave her SEK 1,000 in compensation for the costs of medical care and medication, travel to and from hospital, and the equipment she needed during rehabilitation.
She also received compensation of SEK 12,000 for the ruined riding clothes and for her glasses that got broken.
In addition to this, Jennifer received a one-off payment of SEK 88,000 for medical disability, and compensation of SEK 4,800 for pain and suffering.
The insurance covered:
- Medical and travel expenses
- Damaged clothing and equipment
- Cost of rehabilitative equipment
- Disability compensation
- Hospital stay
- Pain and suffering
Jennifer received a total of SEK 105,800
Gunnar fell from a ladder
Gunnar was painting the house when the ladder suddenly tipped and he fell. At hospital, the doctor confirmed that Gunnar had sustained several serious fractures in his hip and in both legs.
What happened afterwards?
Gunnar had surgery and had to stay in hospital for two days. He was then on sick leave from his job as a chef for two months. He received compensation of SEK 800 from his accident insurance for the days he was admitted to hospital.
He also received compensation of SEK 1,200 for the costs of medical care, travel to and from hospital and for the equipment he needed during rehabilitation . During the time he was in a cast, he also received compensation of SEK 2,000 for the extra cost of home help. In addition to this, he also received a one-off payment of SEK 4,800 for pain and suffering .
Since Gunnar suffered lasting harm after the accident, the insurance company also paid a one-off amount of SEK 35,000 for medical disability and compensation of SEK 2,200 for the scar.
The insurance covered:
- Medical and travel costs
- Additional costs
- Hospital stay
- Cost of rehabilitative equipment
- Pain and suffering
- Disability compensation
- Scars
Gunnar received a total of SEK 46,000
Zaida slipped on a slippery rock
Zaida and a good friend were out on her boat. When she was going to jump ashore and moor the boat, Zaida slipped on the slippery rock and fell so that she broke one of her wrists. In the fall, she also knocked out four teeth.
What happened afterwards?
At hospital, Zaida was put in a cast and she then had to stay home from work as an employment administrator for one week. There were also several visits to the dentist to replace the teeth in her upper jaw.
Zaida's accident insurance gave her SEK 1,200 in compensation for the costs of medical care and medication, travel to and from hospital and the equipment she needed to help her cope with life with her wrist in a cast. For the treatment of the dental injury, she received SEK 20,000.
Her insurance also gave her compensation of SEK 2,200 for scarring and SEK 27,000 for medical disability .
The insurance covered:
- Medical and travel expenses
- Dental treatment
- Disability compensation
- Scars
Zaida received a total of SEK 50,400
Anders suffered from cancer and received SEK 50,000
Anders developed skin cancer in one of his birthmarks
When a birthmark on his face had been bleeding, Anders went to the doctor. Tests showed that it was a malignant melanoma.
What happened afterwards?
The birth mark was surgically removed and everything went well. Anders recovered from the cancer and was able to continue working as a salesman.
Because he had been diagnosed with skin cancer, he received a one-off payment of SEK 50,000 through his illness and accident insurance.
The insurance covered:
- Compensation upon diagnosis
Anders received a total of SEK 50,000
Jorge suffered from a cerebral haemorrhage
Jorge was shopping when he suddenly collapsed and could not get back up. At the hospital, the doctor diagnosed a stroke – a cerebral haemorrhage.
What happened afterwards?
Through the compensation upon diagnosis policy of his illness and accident insurance, Jorge received an immediate one-off payment of SEK 50,000 because of his cerebral haemorrhage.
After more than a year, Jorge still had major problems with his memory and speech and therefore received a further one-off payment of SEK 96,000 for his reduced functional capacity.
Later, it was established that he was unable to return to his job as a teacher, which resulted in an additional payment of SEK 224,000 for his permanent incapacity to work.
The insurance covered:
- Compensation upon diagnosis
- Medical disability compensation
- Financial disability compensation
Jorge received a total of SEK 370,000
Margit has a rheumatic disease
Several years ago, Margit was diagnosed with rheumatoid arthritis. Since then, she has received treatment for the disease, but has been periodically on sick leave from her work as an estate agent.
What happened afterwards?
When Margit was diagnosed, she received a one-off payment of SEK 178,000 from her illness and accident insurance.
After a few years, her condition deteriorated, resulting in permanent disability. She was no longer able to work full time, so she received an additional payment of SEK 266,000 from her insurance.
The insurance covered:
- Medical disability compensation
- Financial disability compensation
Margit received a total of SEK 444,000
Ahmed slipped and received SEK 59,700
Ahmed broke his left forearm in the hospital corridor
Ahmed, aged 45, works as a nurse at a nursing home. One evening, he slipped on some spilled coffee in the corridor and fell so badly that he broke his left forearm.
What happened afterwards?
Ahmed was on full time sick leave for three months. His work injury insurance paid SEK 1,200 to cover all the costs of medical care and medication. Ahmed also received SEK 7,500 in compensation for pain and suffering.
Since Ahmed also suffered from a lasting medical disability of 5%, he received an additional SEK 51,000 in compensation.
The insurance covered:
- Medical and travel expenses
- Pain and suffering
- Disability compensation
Ahmed received a total of SEK 59,700 in compensation.
Lena fell off her bike on her way to work
Fifty-five year old teacher Lena lost control of her bicycle on the way to work in the morning and fell. At the healthcare centre, the doctor confirmed that Lena had sprained her ankle and was therefore unable to stand on her foot.
What happened afterwards?
Lena was on sick leave from work for one and a half months. Her work injury insurance paid SEK 900 in compensation for all costs for medical care, medicine and taxi journeys. She also received compensation of SEK 4,000 in for pain and suffering.
The insurance covered:
- Medical and travel expenses
- Pain and suffering
Lena received a total of SEK 4,900 in compensation.
Patrik got caught in a machine
Patrik, aged 30, works with large stamping machines in a factory and suffered a crushing injury at work. "Fracture and cuts to hands and fingers" was the doctor's diagnosis.
What happened afterwards?
Patrik was on sick leave from work for two months. His work injury insurance paid SEK 1,200 in compensation for all costs for medical care and medicines, taxi journeys, travel by private car and ruined clothing.
Patrik also received SEK 5,000 in compensation for pain and suffering. Since Patrik was left with permanent medical disability of 2%, he received a further SEK 25,000 in compensation. For his scar, he received SEK 5,000.
The insurance covered:
- Medical and travel expenses
- Additional costs
- Pain and suffering
- Disability compensation
- Scars
Patrik received a total of SEK 36,200 in compensation.
Illness & accident
Your illness and accident insurance covers this instead
Medical, travel and dental injury expenses
You can receive compensation for medical treatment, travel to and from hospital or a healthcare centre, and for dental injury expenses.
Medical disability
You can receive compensation in the event of a permanent reduction of functional capacity when the degree of disability is determined. Examples of a physical disability are the amputation of a finger, loss of feeling or reduced strength in an arm.
Pain and suffering
You can receive compensation during the period of acute illness for physical and mental suffering.
Scars
You can receive compensation for scars or other changes to your appearance that are a result of an accident. In some cases, medical treatment is necessary to receive compensation.
Additional costs
You can receive compensation for, for example, clothes and glasses that have been ruined in connection with an accident.
Hospital stay
You can receive compensation for the days you are in hospital. In some cases, there is a qualifying period.
Crisis therapy
After a traumatic event, such as an accident or receiving confirmation of an illness, you can have the opportunity to meet a psychologist.
Rehabilitation and equipment
After an illness or an accident you may be eligible to receive compensation for rehabilitation and rehabilitative equipment, such as physiotherapy or a hearing aid.
Medical, travel and dental injury expenses
You can receive compensation for medical treatment, travel to and from hospital or a healthcare centre, and for dental injury expenses.
Medical disability
You can receive compensation in the event of a permanent reduction of functional capacity when the degree of disability is determined. Examples of a physical disability are the amputation of a finger, loss of feeling or reduced strength in an arm.
Financial disability
You can receive compensation if you have a permanent inability to work due to illness or an accident.
Pain and suffering
You can receive compensation during the period of acute illness for physical and mental suffering.
Scars
You can receive compensation for scars or other changes to your appearance that are a result of an accident. In some cases, medical treatment is necessary to receive compensation.
Additional costs
You can receive compensation for, for example, clothes and glasses that have been ruined in connection with an accident.
Hospital stay
You can receive compensation for the days you are in hospital. In some cases, there is a qualifying period.
Crisis therapy
After a traumatic event, such as an accident or receiving confirmation of an illness, you can have the opportunity to meet a psychologist.
Rehabilitation and equipment
After an illness or an accident you may be eligible to receive compensation for rehabilitation and rehabilitative equipment, such as physiotherapy or a hearing aid.
Compensation upon diagnosis
In the event of certain diseases, a payment is made when you have been diagnosed.
Work injury
Ask your employer what protection you have.
Medical, travel and dental injury expenses
You can receive compensation for medical treatment, travel to and from hospital or a healthcare centre, and for dental injury expenses.
Medical disability
You can receive compensation in the event of a permanent reduction of functional capacity when the degree of disability is determined. Examples of a physical disability are the amputation of a finger, loss of feeling or reduced strength in an arm.
Financial disability
You can receive compensation if you have a permanent inability to work due to illness or an accident.
Pain and suffering
You can receive compensation during the period of acute illness for physical and mental suffering.
Scars
You can receive compensation for scars or other changes to your appearance that are a result of an accident. In some cases, medical treatment is necessary to receive compensation.
Additional costs
You can receive compensation for, for example, clothes and glasses that have been ruined in connection with an accident.
