{"id":409,"date":"2024-03-19T05:14:29","date_gmt":"2024-03-19T05:14:29","guid":{"rendered":"https:\/\/www.radiustheme.com\/demo\/wordpress\/themes\/insureti\/service\/life-insurance-copy-5\/"},"modified":"2026-05-03T06:12:36","modified_gmt":"2026-05-03T06:12:36","slug":"health-insurance","status":"publish","type":"rt-service","link":"https:\/\/expatprotected.com\/sv\/service\/health-insurance\/","title":{"rendered":"Sjukf\u00f6rs\u00e4kring"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"409\" class=\"elementor elementor-409\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ep_h_root e-con-boxed e-flex e-con e-parent\" data-id=\"ep_h_root\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ep_h_text elementor-widget elementor-widget-text-editor\" data-id=\"ep_h_text\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 style=\"color:#0a2342;margin-top:0;\">Why choose Expat Protected for your health insurance?<\/h2>\n<ul style=\"line-height:1.9;font-size:16px;color:#1f2937;\">\n  <li><strong>Honest, open &#038; fair<\/strong> approach to medical insurance.<\/li>\n  <li><strong>Sensible, grown-up &#038; flexible<\/strong> on pre-existing conditions and claims.<\/li>\n  <li><strong>Fast and easy online sign-up<\/strong>.<\/li>\n  <li><strong>Competitive pricing<\/strong> \u2014 small management, no flashy buildings, no shareholder pressure.<\/li>\n  <li><strong>Full-life insurance<\/strong> \u2014 we don&#8217;t drop you when you reach 70.<\/li>\n  <li><strong>30+ years experience<\/strong> as a fully-licenced independent insurance group.<\/li>\n  <li><strong>Community &#038; environmental initiatives<\/strong> \u2014 we&#8217;re invested in more than just insurance.<\/li>\n<\/ul>\n\n<p>We believe that customers prefer to be insured by a fully-licenced company with an honest, open and fair approach to medical insurance. A company that takes a sensible, grown-up, and flexible approach to your pre-existing conditions and claims. That provides a fast and easy online sign-up process.<\/p>\n\n<p>We are very competitive on costs because we have a small management structure, no expensive flashy buildings or need to keep a high stock market price. And we don&#8217;t abandon our customers when they reach 70 \u2014 we provide full-life insurance. This is why so many customers stay with us, and recommend us to their friends. Medical insurance is important to your future health and wellbeing as an expat, so it&#8217;s vital to choose the right company.<\/p>\n\n<p>We believe that if you&#8217;re happy with our service you&#8217;ll recommend us to others in your community, which will help us to grow a healthy business. So, we&#8217;re all in this together.<\/p>\n\n<p>We&#8217;re a fully-licenced independent insurance group with over 30 years experience of providing specialised insurance for expats.<\/p>\n\n<p>Because we believe that our communities are important, we take an active approach in helping communities to develop \u2014 <a href=\"\/contact\/\">Click here<\/a>.<\/p>\n\n<p>And because all communities \u2014 local, global and virtual \u2014 depend on their environment, we also take an active role in environmental preservation projects \u2014 <a href=\"\/contact\/\">Click here<\/a>.<\/p>\n\n<p>Who wants an insurance company that hits you with a massive renewal increase, often at the last minute so you&#8217;ve little time to consider options? Who wants an insurance company that focusses on keeping shareholders happy, not its customers?<\/p>\n\n    <div class=\"wrlife-geo\">\n        <div class=\"wrlife-geo__head\">\n            <h3>Where Your Cover Applies &mdash; And Where It Doesn&rsquo;t<\/h3>\n            <p>Health insurance for expats is built around your <strong>chosen Area<\/strong> of cover. When you travel outside that Area &mdash; including back home &mdash; specific rules apply. Read this carefully before you take a long trip.<\/p>\n        <\/div>\n\n        <div class=\"wrlife-geo__grid\">\n            <div class=\"wrlife-geo__card\">\n                <h4>In your home country<\/h4>\n                <p class=\"wrlife-geo__rule\"><strong>Up to 3 months &mdash; full cover.<\/strong><\/p>\n                <p>Visits to your country of origin are covered as long as the stay is <strong>shorter than three (3) months<\/strong>. Stay longer than that and the policy no longer covers treatment in your home country.<\/p>\n            <\/div>\n            <div class=\"wrlife-geo__card\">\n                <h4>In another country outside your Area<\/h4>\n                <p class=\"wrlife-geo__rule\"><strong>Up to 7 weeks &mdash; emergencies only.<\/strong><\/p>\n                <p>Stays in countries outside your chosen Area are covered for less than <strong>seven (7) weeks<\/strong>, and <strong>only for accidents or accidental sickness of an urgent nature<\/strong> &mdash; not routine treatment.<\/p>\n            <\/div>\n        <\/div>\n\n        <div class=\"wrlife-geo__benefit\">\n            <div class=\"wrlife-geo__benefit-flag\">+<\/div>\n            <div class=\"wrlife-geo__benefit-body\">\n                <h4>Good news when you visit your home country<\/h4>\n                <p class=\"wrlife-geo__benefit-lead\">As an expat with us you are <strong>fully covered for the first 3 months<\/strong> in your country of origin &mdash; <strong>every year<\/strong>.<\/p>\n                <p>This applies to <strong>all nationalities<\/strong>: when you head home for a holiday, family visit or seasonal stay, your hospital care, doctor visits, prescriptions and emergencies are covered just like back where you live abroad. The 3-month cover resets each calendar year &mdash; perfect for an annual home trip.<\/p>\n\n                <div class=\"wrlife-geo__benefit-sv\">\n                    <strong>P&aring; svenska:<\/strong> Som expat med our &auml;r du <strong>fullt f&ouml;rs&auml;krad i 3 m&aring;nader varje &aring;r<\/strong> n&auml;r du bes&ouml;ker ditt hemland. Sjukhusv&aring;rd, l&auml;karbes&ouml;k, mediciner och akut omh&auml;ndertagande ing&aring;r &mdash; precis som d&auml;r du bor utomlands. <em>Extra viktigt om du &auml;r utskriven fr&aring;n Sverige<\/em>: d&aring; har du ingen offentlig svensk sjukv&aring;rd alls, och our &auml;r ditt enda skydd vid hembes&ouml;k.\n                <\/div>\n\n                <p class=\"wrlife-geo__benefit-action\"><strong>If your stay will be longer than 3 months:<\/strong><\/p>\n                <ul>\n                    <li>Contact us <strong>before you travel<\/strong> &mdash; we can arrange a top-up cover or a temporary plan so you don&rsquo;t lose protection.<\/li>\n                    <li>This applies in any country &mdash; not just your home country &mdash; if you plan to stay outside your chosen Area for longer than the standard limit.<\/li>\n                    <li>The same logic applies to short visits to <em>other<\/em> countries outside your chosen Area: emergency cover for up to 7 weeks per stay.<\/li>\n                <\/ul>\n            <\/div>\n        <\/div>\n\n        <p class=\"wrlife-geo__foot\">This is a summary of the our policy rules. Your individual situation, residency status and the specific module you choose can affect what is covered. Contact us if you want a personal review.<\/p>\n    <\/div>\n\n    <style>\n    .wrlife-geo { max-width: 880px; margin: 28px auto; padding: 28px; background: #fff; border: 1px solid #e5e7eb; border-radius: 10px; box-shadow: 0 1px 4px rgba(10,35,66,.04); font-family: inherit; color: #1d2327; line-height: 1.55; }\n    .wrlife-geo__head h3 { margin: 0 0 8px; color: #0a2342; font-size: 22px; }\n    .wrlife-geo__head p { margin: 0 0 22px; color: #555; font-size: 14px; }\n    .wrlife-geo h4 { color: #143852; font-size: 16px; margin: 0 0 8px; }\n    .wrlife-geo__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 18px; }\n    @media (max-width: 640px) { .wrlife-geo__grid { grid-template-columns: 1fr; } }\n    .wrlife-geo__card { background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px 18px; }\n    .wrlife-geo__card p { margin: 6px 0; font-size: 14px; }\n    .wrlife-geo__rule { font-size: 15px; color: #0a2342; margin: 6px 0 10px; }\n    .wrlife-geo__benefit { display: flex; gap: 16px; margin-top: 22px; padding: 22px 24px; background: linear-gradient(180deg, #ecfdf5, #fff); border: 2px solid #10b981; border-radius: 10px; box-shadow: 0 2px 12px rgba(16,185,129,.12); }\n.wrlife-geo__benefit-flag { flex: 0 0 44px; height: 44px; background: #059669; color: #fff; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 28px; font-weight: 700; line-height: 1; }\n.wrlife-geo__benefit-body { flex: 1 1 auto; }\n.wrlife-geo__benefit h4 { color: #065f46; font-size: 18px; margin: 0 0 8px; }\n.wrlife-geo__benefit-lead { font-size: 16px !important; color: #064e3b !important; margin: 0 0 12px !important; font-weight: 500; }\n.wrlife-geo__benefit p { font-size: 14px; margin: 8px 0; color: #1d2327; }\n.wrlife-geo__benefit-sv { margin: 14px 0; padding: 12px 14px; background: #fff; border-left: 4px solid #fbbf24; border-radius: 4px; font-size: 13.5px; line-height: 1.55; color: #1d2327; }\n.wrlife-geo__benefit-sv strong:first-child { color: #92400e; }\n.wrlife-geo__benefit-action { margin-top: 14px !important; color: #1d2327 !important; }\n.wrlife-geo__benefit ul { margin: 6px 0 0; padding-left: 20px; }\n.wrlife-geo__benefit li { margin: 6px 0; font-size: 14px; }\n.wrlife-geo__foot { margin-top: 18px; padding-top: 14px; border-top: 1px solid #e5e7eb; font-size: 12px; color: #6b7280; }\n    <\/style>\n    \n\n    <div class=\"wrlife-waiting\">\n        <div class=\"wrlife-waiting__head\">\n            <h3>Important to Know &mdash; Waiting Periods<\/h3>\n            <p>These rules apply to <strong>new policies<\/strong> and also when you <strong>upgrade or change<\/strong> an existing cover. Read carefully before you apply or adjust your plan.<\/p>\n        <\/div>\n\n        <div class=\"wrlife-waiting__grid\">\n            <div class=\"wrlife-waiting__card wrlife-waiting__card--age\">\n                <h4>Under 65 years old<\/h4>\n                <ul>\n                    <li>No health check-up required.<\/li>\n                    <li><strong>6 months waiting period<\/strong> for the specific diseases listed below.<\/li>\n                    <li><strong>5 years waiting period<\/strong> for degenerative diseases.<\/li>\n                <\/ul>\n            <\/div>\n            <div class=\"wrlife-waiting__card wrlife-waiting__card--age\">\n                <h4>65 years and older<\/h4>\n                <ul>\n                    <li>Two options at application: <em>with<\/em> a health check-up (less than 30 days old) or <em>without<\/em>.<\/li>\n                    <li>With check-up: 6 months waiting period for specific diseases.<\/li>\n                    <li>Without check-up: 1 year waiting period for specific diseases.<\/li>\n                    <li>Degenerative diseases: 5 years waiting period &mdash; only covered if no condition is found at check-up. If no check-up is done, degenerative diseases are not covered.<\/li>\n                <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"wrlife-waiting__list\">\n            <h4>Specific diseases &mdash; 6 months waiting period (12 months if 65+ without medical check-up)<\/h4>\n            <p class=\"wrlife-waiting__hint\">Coverage starts after the waiting period <em>only if<\/em> no condition is found during that time. The waiting period is <strong>6 months<\/strong> for applicants under 65, and also for applicants 65+ who provide a medical check-up (less than 30 days old). For applicants 65+ who do not provide a check-up, the waiting period is <strong>12 months<\/strong>. If a condition is found during the waiting period, the specific disease is not covered.<\/p>\n            <ul class=\"wrlife-waiting__pills\">\n                <li>Hypertension &amp; Cardiovascular Disease<\/li>\n                <li>All Tumors, Polyp or Cyst<\/li>\n                <li>Hemorrhoids<\/li>\n                <li>Prostate Disease<\/li>\n                <li>Diabetes<\/li>\n                <li>Cancer<\/li>\n                <li>Endometriosis<\/li>\n                <li>Cholecystitis, Cholelithiasis<\/li>\n                <li>Calculi of the Urinary Organ<\/li>\n                <li>Hernias <span class=\"wrlife-waiting__note\">(1 year)<\/span><\/li>\n            <\/ul>\n        <\/div>\n\n        <div class=\"wrlife-waiting__list wrlife-waiting__list--deg\">\n            <h4>Degenerative diseases &mdash; 5 years waiting period<\/h4>\n            <p class=\"wrlife-waiting__hint\">Conditions linked to ageing, genetic or progressive diseases that affect the nervous system, muscles, joints, eyes or metabolism. Cover starts after 5 years only if no diagnosis is found during the waiting period.<\/p>\n\n            <div class=\"wrlife-waiting__cats\">\n                <div class=\"wrlife-waiting__cat\">\n                    <strong>Neurological &amp; cognitive<\/strong>\n                    <span>Alzheimer&rsquo;s, Parkinson&rsquo;s, MS, ALS, Huntington&rsquo;s, dementias, prion diseases &hellip;<\/span>\n                <\/div>\n                <div class=\"wrlife-waiting__cat\">\n                    <strong>Muscular &amp; motor neuron<\/strong>\n                    <span>Muscular dystrophies, SMA, mitochondrial myopathies &hellip;<\/span>\n                <\/div>\n                <div class=\"wrlife-waiting__cat\">\n                    <strong>Joints, bones &amp; connective tissue<\/strong>\n                    <span>Osteoarthritis, osteoporosis, rheumatoid arthritis, Marfan&rsquo;s, Ehlers&ndash;Danlos &hellip;<\/span>\n                <\/div>\n                <div class=\"wrlife-waiting__cat\">\n                    <strong>Eye conditions<\/strong>\n                    <span>Macular degeneration, retinitis pigmentosa, keratoconus &hellip;<\/span>\n                <\/div>\n                <div class=\"wrlife-waiting__cat\">\n                    <strong>Genetic &amp; metabolic<\/strong>\n                    <span>Cystic fibrosis, Niemann&ndash;Pick, leukodystrophies, mitochondrial DNA disorders &hellip;<\/span>\n                <\/div>\n                <div class=\"wrlife-waiting__cat\">\n                    <strong>Other<\/strong>\n                    <span>Pulmonary arterial hypertension, Friedreich&rsquo;s ataxia, chronic traumatic encephalopathy, substance use disorder &hellip;<\/span>\n                <\/div>\n            <\/div>\n\n            <div class=\"wrlife-waiting__readnotice\">\n                <strong>Please read through the full list before applying.<\/strong> The complete our policy is available <a href=\"\/wp-content\/uploads\/policies\/27-September-WRLIFE-POLICY-ENGLISH.pdf\" target=\"_blank\" rel=\"noopener\">here (PDF)<\/a> &mdash; if any condition below applies to you or a family member, contact us before you sign so we can review your specific situation.\n            <\/div>\n            <ul class=\"wrlife-waiting__pills wrlife-waiting__pills--small wrlife-waiting__pills--full\">\n                    <li>Alzheimer&rsquo;s disease (AD)<\/li>\n                    <li>Amyotrophic lateral sclerosis (ALS, Lou Gehrig&rsquo;s)<\/li>\n                    <li>Charcot&ndash;Marie&ndash;Tooth disease (CMT)<\/li>\n                    <li>Chronic traumatic encephalopathy<\/li>\n                    <li>Cystic fibrosis<\/li>\n                    <li>Cytochrome c oxidase deficiencies (Leigh syndrome)<\/li>\n                    <li>Ehlers&ndash;Danlos syndrome<\/li>\n                    <li>Fibrodysplasia ossificans progressive<\/li>\n                    <li>Friedreich&rsquo;s ataxia<\/li>\n                    <li>Frontotemporal dementia (FTD)<\/li>\n                    <li>Huntington&rsquo;s disease<\/li>\n                    <li>Infantile neuroaxonal dystrophy<\/li>\n                    <li>Keratoconus, Keratoglobus<\/li>\n                    <li>Leukodystrophies<\/li>\n                    <li>Macular degeneration (AMD)<\/li>\n                    <li>Marfan&rsquo;s syndrome (MFS)<\/li>\n                    <li>Mitochondrial myopathies<\/li>\n                    <li>Mitochondrial DNA depletion syndrome<\/li>\n                    <li>Mueller&ndash;Weiss syndrome<\/li>\n                    <li>Multiple sclerosis (MS)<\/li>\n                    <li>Multiple system atrophy<\/li>\n                    <li>Muscular dystrophies (MD)<\/li>\n                    <li>Neuronal ceroid lipofuscinosis<\/li>\n                    <li>Niemann&ndash;Pick diseases<\/li>\n                    <li>Osteoarthritis, Osteoporosis<\/li>\n                    <li>Parkinson&rsquo;s disease<\/li>\n                    <li>Pulmonary arterial hypertension<\/li>\n                    <li>Prion diseases (Creutzfeldt&ndash;Jakob, fatal familial insomnia, etc.)<\/li>\n                    <li>Progressive supranuclear palsy<\/li>\n                    <li>Retinitis pigmentosa (RP)<\/li>\n                    <li>Rheumatoid arthritis<\/li>\n                    <li>Sandhoff Disease<\/li>\n                    <li>Spinal muscular atrophy (SMA)<\/li>\n                    <li>Subacute sclerosing panencephalitis<\/li>\n                    <li>Substance Use Disorder<\/li>\n                    <li>Tay&ndash;Sachs disease<\/li>\n                    <li>Vascular dementia<\/li>\n                <\/ul>\n        <\/div>\n\n<div class=\"wrlife-waiting__upgrade\">\n            <h4>Existing customers &mdash; upgrades and re-applications<\/h4>\n            <p>If you are already a our member and want to <strong>upgrade, downgrade or re-apply<\/strong> for a cover, the same 6-month waiting period applies for specific diseases &mdash; unless you provide a medical check-up less than 30 days old.<\/p>\n            <p>Any pre-existing condition that has previously generated a claim, and any condition that was already known, will be <strong>excluded<\/strong> from the new cover. If a claim has been made under your existing plan, downgrading is generally not accepted.<\/p>\n        <\/div>\n\n        <p class=\"wrlife-waiting__foot\">This is a summary only. The full and binding terms are set out in the our policy document. We are happy to walk you through the details before you apply.<\/p>\n    <\/div>\n\n    <style>\n    .wrlife-waiting { max-width: 880px; margin: 28px auto; padding: 28px; background: #fff; border: 1px solid #e5e7eb; border-radius: 10px; box-shadow: 0 1px 4px rgba(10,35,66,.04); font-family: inherit; color: #1d2327; line-height: 1.55; }\n    .wrlife-waiting__head h3 { margin: 0 0 8px; color: #0a2342; font-size: 22px; }\n    .wrlife-waiting__head p { margin: 0 0 22px; color: #555; font-size: 14px; }\n    .wrlife-waiting h4 { color: #143852; font-size: 16px; margin: 0 0 8px; }\n    .wrlife-waiting__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 18px; }\n    @media (max-width: 640px) { .wrlife-waiting__grid { grid-template-columns: 1fr; } }\n    .wrlife-waiting__card { background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; padding: 16px 18px; }\n    .wrlife-waiting__card ul { margin: 6px 0 0; padding-left: 18px; }\n    .wrlife-waiting__card li { margin: 4px 0; 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