Group Medical Insurance

As an employer, your employees are your most valuable assets. Their talents are what your business relies on – and their health is what keeps them going. Private Health insurance is an investment in your team and your business. 

If your employees get sick, what is the impact on your business? While Swedish law says patients should see a specialist within 90 days, 1 in 3 patients are forced to wait longer. Private Health insurance can help get your staff back on their feet faster.

Policy Highlights
 

24/7 medical helpline
We have professionals standing by 24/7 to provide claims consultancy, and qualified medical staff to answer your employees’ questions about diagnoses, side effects, and health concerns. We understand that health is personal, and our team is always there when you need them.

Keep track online
With our Howden Online Solution, you can keep track of your Group Health cover online. Log in to your private system to see data on employee uptake, create management reports, and see details of claims. 

Dedicated expert claims team
Our claims team is there to guide you, helping to speed up claims payments and answer any questions you have.
 

Things to be aware of

Named Perils Policy
Health insurance is almost always agreed on a Named Perils policy. This means that the policy document will specifically state the conditions that are covered. Anything that is not listed is not covered. 

Excluded Pre-Existing Conditions
This is one of the most common conditions in Health insurance. As Health insurance is a Named Perils cover, some pre-existing conditions are excluded from lower premium policies. It is very important to check whether any conditions are excluded, as this will affect the treatments that your employees can access.