If you are a member of a trade union or an organisation you are able to choose Members’ Children - a good child insurance cover with an extensive content. You do not have to answer any questions about the child’s health when you take out the insurance.
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The policy is valid 24 hours a day – for both ailments and accidents
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No medical examination
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Access to Familiestöd Direkt [Family Support Direct] – a helpline relating to children and family life
This is included in Members’ Children
| This is included in Members’ Children | Members’ Children Large | Members’ Children Medium | Members’ Children Basic |
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| Insurance sum | SEK 2 940 000 | SEK 1 470 000 | SEK 735 000 |
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We can pay compensation if your child were to have a disability or encounter problems in starting out in their working life. We differentiate between medical and financial disability.
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Up to SEK 8 820 000 | Up to SEK 4 410 000 | Up to SEK 2 205 000 |
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We can pay compensation if your child were to have a disability or encounter problems in starting out in their working life. We differentiate between medical and financial disability. Financial disability |
Up to SEK 2 940 000 | Up to SEK 1 470 000 | Up to SEK 735 000 |
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We can also compensate for damaged glasses and clothing if your child sustains an accident. You can receive up to 14 700 SEK but only in the event of an accident. |
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If you are entitled to a care allowance or temporary parents’ allowance in the event of caring for a seriously ill child in accordance with the provisions of the Social Insurance Code, you can receive a level of compensation. You can receive compensation of up to 147 000 SEK per year up to and including June of the year in which the child reaches 19 years.
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If your child has been diagnosed with certain conditions, such as cancer, MS or certain brain injuries, we can provide compensation in the form of a lump sum of ten per cent of the chosen insurance sum.
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SEK 294 000 | SEK 147 000 | SEK 74 500 |
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If your child needs emergency care at a hospital overnight, we pay out compensation of SEK 600 as a lump sum - up to twice per year. |
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If your child is diagnosed as being dyslexic or dyscalculic by a specialist doctor, speech therapist or psychologist, flat-rate compensation for the cost of teaching aids is payable at SEK 3,000. |
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If your child has been admitted for care at the hospital overnight and you, as a parent, need to remain at home with your child, we can pay compensation of SEK 500 per day for that period of time, if the stay in the hospital and at home lasts for at least 14 days (but not longer than 30 days) and is supported by a doctor’s certificate. |
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If your child is scarred after an accident or ailment and this necessitates treatment by a doctor, we can pay compensation. It can, for example, concern a visible scar following an accident or a scar from an operation. Compensation is payable in the form of a determined percentage rate of your chosen insurance sum and is based on where, and how big, the scar on the body is. You can read more in the terms and conditions and in our table for compensation for scarring and disfigurement. A calculation example
Six-years old Lisa falls off her bike and sustains a deep wound on her lower leg. Two years later she still has a nine centimetres long scar which is a centimetre wide.
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You can receive compensation for the expenses of organised activity outside of the home (such as taking part in sports), in the event of damage which causes at least 20 per cent medical disability.
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If an ailment or an accident injury is expected to lead to permanent disability, compensation is payable for the hire or purchase of aids. It can provide compensation of up to SEK 227,500 for a maximum of five years. 294 000 SEK for a maximum of five years. |
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Have you any questions regarding pregnancy, children or family life? Ring Family Support Direct and get answers directly from experts such as midwives and paediatric nurses.
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Your child may become affected by mental illness a result of, e.g., an assault. We then help you to establish contact with a psychologist and will cover the costs of up to ten treatment sessions.
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If your child needs medical care we can pay compensation for, e.g. medicine, travel costs and necessary aids.
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If, for example, your child falls off their bike and knocks a tooth out, this can have consequences later on in life when dental care is no longer free. That is when we can help with the payment. You can receive compensation for necessary expenses for a maximum of five years. |
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Adolescents who have reached the age of 16 receive extra compensation if they sustain an accident injury which leads to care by a registered doctor and at least eight days of acute incapacity. It is, for example, SEK 1,500 for a fracture and SEK 2,000 for concussion. More information is to be found in the terms and conditions. |
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We also provide compensation if your child should pass away. The compensation is 58 800 SEK irrespective of the cause of death. |
What does price base amount mean?
The price base amount forms the basis for the calculation of pensions and other social benefits. The extent of the amount is determined by the government for one year at a time and is based on how much prices have risen or fallen. This year the price base amount is SEK 58 800.
No medical examination
The basic idea of members’ children insurance is that everyone who wants to be involved should also be included. Therefore, members’ children insurance is taken out without a health declaration. We have, instead, introduced time and age limits in the event of illness, which are the same for everyone.
This means that the insurance has limited protection in the event of an illness during the first half-year but provides compensation for medical and travel costs, for example. If you have our pregnancy insurance with extended protection, members’ children insurance applies without any time limit in the event of an illness right from the very day you have signed up for it. A prerequisite is, however, that you sign up for members’ children insurance within six months of the child’s birth.
Direct family support
Family Support Direct
Do you have any questions regarding children or family life? Call Family Support Direct and get answers directly from sociologists.
The service is exclusive to those who have our child insurance and you can call as many times as you want. Of course you pay nothing extra.
What you can get help with
- Consultation with a sociologist if you have questions about children’s development or questions concerning you as a parent.
- Call as often as you want.
Members’ children
Crisis therapy prevents mental illness
If a child is not doing well, the whole family will be affected. If the child suffers from mental illness after, for example, being subjected to bullying, robbery or the death of a close relative, you can get help. The child is offered the chance to speak with a psychologist or psychotherapist on up to ten occasions. We also provide compensation for travel and interpreters. There is no excess but the costs must be approved by us in advance.
Crisis therapy for close relatives
We also offer crisis therapy to the child’s immediate relatives if the child suffers an injury or illness that we compensate, or if the child dies. The relative is offered a conversation with a psychologist or psychotherapist on up to ten occasions. We also provide compensation for travel and interpreters. There is no excess but the costs must be approved by us in advance.
Examples of compensation
Compensation to children in the event of medical disability
Matilda and her two friends had great fun on the trampoline until Matilda fell off and landed with her entire body weight on her right arm. An ambulance was called and she had surgery on the same day.
We’ve put together some tips for jumping safely on a trampoline
This is how the child insurance compensated on 25 price base amounts:
This is how the child insurance compensated on 25 price base amounts
Damaged clothing (sweater that was cut off) |
SEK 400 |
Emergency compensation for hospital overnight stay |
SEK 600 |
Hospitalisation 4 days |
SEK 2 000 |
Persistent reduced mobility of the arm (medical disability 4%) |
SEK 58 800 |
Scars |
SEK 5 500 |
Total compensation |
SEK 67 300 |
Compensation for child with diabetes
When little Morton started peeing and drinking more and more often, his father Calle felt unhappy, and after the examination it turned out that Morton had developed diabetes. A major transition followed for the family and it wasn’t just in the beginning that child insurance helped financially.
Compensation from child insurance in the first stage:
Emergency compensation for hospital overnight stay |
SEK 600 |
Hospitalisation 14 days |
SEK 7 000 |
Compensation in the short term |
SEK 7 600 |
Long-term compensation with child insurance of 50 price base amounts: |
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Care allowance |
SEK 147 000 |
Permanent reduction in physical ability (medical disability) |
SEK 441 000 |
Total compensation |
SEK 595 600 |
Important to consider
Onset of an illness before insurance is taken out
The insurance does not apply to an illness or physical faults, nor for the consequences of such conditions, if the symptoms were manifest before the day the insurance is taken out.
A calculation example
Niklas takes out child insurance for his 3-year old daughter Lisa. Prior to Niklas taking out the insurance policy Lisa has been diagnosed as being diabetic. Compensation is not payable from the child insurance since the illness was discovered before the policy was taken out.
Limitations in the event of certain illnesses
If the insurance is taken out after the age of 6 has been reached the insurance does not apply to neuro-psychiatric disorders (such as developmental delay) irrespective of when the symptoms of the illness appeared, nor for the following illnesses if the symptoms became apparent before the insurance had been in force for at least one continuous year.
If the insurance applies to the following illnesses then compensation is payable in the event of medical disability at a maximum of 10 per cent of the sum insured, but compensation is not payable for financial disability, care costs or temporary parents allowances in respect of seriously ill children.
Mental disorders, haemophilia, cystic fibrosis, epilepsy, illnesses affecting the central nerve and muscle systems, sensorineural hearing loss, malformation and chromosomal abnormalities and obesity.
General limitations
Certain limitations also exist in the case of gross negligence, for compensation in case of stay abroad, war, nuclear reaction and certain acts of terrorism.
Limitations in the event of an ailment
In order to have the right to compensation in the event of an illness, other than medical expenses, travel expenses and crisis therapy expenses, the illness or symptoms of an illness must have been evident no earlier than when the insurance has been in force for at least six months.
This means that the insurance has limited protection in the event of an illness during the first half-year but provides compensation for medical and travel costs, for example. If you have our pregnancy insurance with extended protection, members’ children insurance applies without any time limit in the event of an illness right from the very day you have signed up for it. A prerequisite is, however, that you sign up for members’ children insurance within six months of the child’s birth.
Examples of compensation in the event of an ailment
No compensation: Karin takes out child insurance for Olle. When, after three months, Olle started to wee and drink increasingly often, she became alarmed. Following an examination it transpires that Olle had become diabetic. In this instance the insurance has limited applicability regarding the illness since the insurance had not been in force for at least six months. Compensation is, however, payable for medical and travel expenses above the excess, as well as crisis therapy.
Compensation: Karin takes out child insurance for Olle. After a year it emerges that Olle has become diabetic. A major adjustment awaits the family but, since the qualifying period of six months has passed, compensation can be paid. Olle has illness and accident insurance cover at 25 price base amounts, SEK 1 470 000, and can receive SEK 301 800 in compensation, which you can see in detail below.
Compensation for, and paid-out, amount
- SEK 200 - doctor and travel costs above the excess
- SEK 600 - emergency compensation for hospital overnight stay
- SEK 7,000 - hospital stay 14 days
- SEK 73 500 half care allowance for 1 year
- SEK 220 500 permanent reduction in physical ability (medical disability)
- Total compensated amount — SEK 301 800
Olle’s family can also receive help from the insurance in the form of crisis management.
Other limitations
For the following illnesses or conditions, compensation cannot be provided from financial disability, activity capital, nursing allowance or temporary parental allowance for the care of a seriously ill child. Compensation is paid for medical disability at a maximum of 10 per cent of the sum insured. Other items are compensated according to the terms and conditions.
Ailments covered by the limitation:
- Mental illnesses and syndromes and behavioural disorders (F00-F99), such as developmental delay, ADHD, Asperger’s syndrome or autism
- Haemophilia (D66-D67)
- Cystic fibrosis (E84)
- Epilepsy (G40)
- Central nervous and muscular system illnesses (G11-G12, G60, G71, G80 and G91)
- Sensorineural hearing loss (H90)
- Malformation and chromosomal abnormality (Q00-Q99)
- Obesity (E66)
If the insurance has been taken out after the insured has reached the age of six, the insurance does not apply to the following illnesses, conditions or their consequences:
- ICD F70-F99, regardless of when symptoms appeared.
- ICD F00-F69 if associated with F70-F99.
- ICD F00-F69, D66-D67, E84, G40, G11-G12, G60, G71, G80, G91, H90, Q00-Q99 and E66, if symptoms of the illness have appeared before the insurance has been valid for one year.
Frequently asked questions and answers
Here you can read the answers to the most common questions about the insurance.
Doesn’t the municipality or school’s insurance cover everything?
The municipality’s insurance rarely covers illness, which is one of the most common causes of disability. Many accidents also occur during leisure time, when many municipal policies do not apply.
What is so good about child insurance?
A child insurance policy is an important supplement to the protection provided by society and can make a big difference to a family’s finances. It ensures that your child is insured 24/7 for both illness and accidents.
The child insurance provides compensation for, for example, care costs, disability and certain diagnoses and also serves as an important financial support for a child who, in the future, has restricted opportunities for working due to a disability.
As an adult, the child can receive financial help that will make a great difference to their quality of life. A child insurance policy is thus able to help the child both now and in the future. It can also provide the family with financial help if a parent is granted care allowance in order to look after the child.
Does the insurance cover all illnesses?
Yes, but with a restricted scope for certain illnesses and conditions. Examples of such illnesses and conditions include autism, Asperger's syndrome, epilepsy and ADHD. You can read more about it in the insurance terms and conditions under “Restrictions to the insurance policy’s validity”.
There are also rules governing the age at which the insurance is taken out. If the insurance is taken out after the child’s sixth birthday, it does not, for example, apply to developmental delay. Nor does it apply to certain illnesses and conditions which present during the first insurance year.
My son sustained a football injury and had to be operated on. Does the insurance apply?
The insurance covers injuries which arise through accidents and, in our insurance, injuries sustained when engaged in sports are also included. Your son’s compensation is calculated, for example, on the basis of hospital stays, scars and any medical disability.
Talk with the football club as well; they may also have an insurance policy. If it is with a company other than Folksam, we sort out the question of compensation in conjunction with them.
My daughter is 12 years old; can I take out insurance for her?
Yes, you can take out insurance for her until she reaches the age of 18. It then applies up to and including the policy year in which she turns 25.
Terms and conditions
Viktig och samlad information om försäkringen (in Swedish)
Försäkringsvillkor barnförsäkring för medlemmar (in Swedish)