Child insurance: amounts and benefits at seven insurers

At six of the seven insurers in the table, the payout for medical disability can reach at most 300 percent of the insured amount, according to the documents in force on 5 November 2026. Based on the highest insured amount the insurers offer today, that is 8 880 000 kr at Folksam and Länsförsäkringar Stockholm, 9 000 000 kr at If Skadeförsäkring and Trygg-Hansa, 9 600 000 kr at Dina Försäkringar and 9 759 000 kr at ICA Försäkring. Bliwa pays at most the insured amount that applies at 100 percent disability. The payout depends on the degree of disability, and 300 percent is paid only at 100 percent disability. [8][17][15][14][19][6][9][12][3]

It depends on the insurer. If Skadeförsäkring has six amounts from 500 000 to 3 000 000 kr and Trygg-Hansa five from 600 000 kr to 3 million kr. Dina Försäkringar has four amounts from 800 000 to 3 200 000 kr, and you can also choose another amount in whole thousands. ICA Försäkring lists four amounts from 911 000 to 3 253 000 kr on its website. Folksam and Länsförsäkringar Stockholm state the amounts in price base amounts: 12.5, 25 or 50 at Folksam and 10, 30 or 50 at Länsförsäkringar Stockholm. At Bliwa the amounts are set by the group agreement. [14][19][6][12][8][17][4]

According to the insurers' documents, Bliwa pays 300 kr per day if the stay lasts at least 3 days in a row, Folksam 500 kr, ICA Försäkring and Trygg-Hansa 600 kr, Dina Försäkringar 700 kr, If Skadeförsäkring 750 kr and Länsförsäkringar Stockholm 800 kr. All seven pay for at most 365 days for the same illness or accident. For an emergency admission overnight, six of the insurers also pay a lump sum, from 600 kr at Folksam and ICA Försäkring to 1 000 kr at Dina Försäkringar and Länsförsäkringar Stockholm. [3][7][10][11][19][5][13][15]

All seven insurers pay a benefit when the Swedish Social Insurance Agency grants care allowance, but the amounts differ. At full care allowance, Dina Försäkringar pays 12 500 kr per month, If Skadeförsäkring 11 400 kr per month, Trygg-Hansa at most 9 500 kr per month and ICA Försäkring at most 9 000 kr per month. Folksam pays up to 2.5 price base amounts per year (148 000 kr in 2026), Länsförsäkringar Stockholm 2 price base amounts per 12 months (118 400 kr in 2026) and Bliwa 1 price base amount per year for at most 6 years. At Dina Försäkringar, ICA Försäkring and Trygg-Hansa the policy document states whether the benefit is included. [5][13][19][10][7][8][15][3]

Economic disability is a lump sum if the child's capacity to work as an adult is permanently reduced. Dina Försäkringar, Folksam, Länsförsäkringar Stockholm and Trygg-Hansa pay 50, 75 or 100 percent of the insured amount depending on how much the capacity to work is reduced, and Länsförsäkringar Stockholm adds 10 or 40 percent if the child also has a medical disability of at least 10 or 50 percent respectively. ICA Försäkring pays twice the economic disability that has been set, so at most 200 percent of the insured amount. If Skadeförsäkring requires the capacity to work to be reduced by at least 50 percent. Bliwa pays only if the Swedish Social Insurance Agency has granted activity or sickness compensation of at least 50 percent, or care allowance of at least 75 percent, for at least 5 years. At most insurers the reduction must arise or be established before age 30, at Folksam before 32. [5][7][15][18][9][13][3]

Yes, according to the terms, child insurance covers both illness and accidents at all seven insurers in the table, and none of them has a general waiting period for illness from the start. Folksam's terms also allow a policy that covers accidents only, and the scope is then shown in the policy statement. If a Folksam policy is taken out after age 6, it does not cover some diagnoses, and covers others only once it has been in force for a year. At Bliwa an illness must first show after the child is 6 months old for some parts to pay, and the lowest level does not cover mental illness (ICD F00–F99). At every insurer the policy does not cover illness that showed before it started. [7][13][15][18][9][5][3]

At most insurers it is indexed. Folksam and Länsförsäkringar Stockholm state the amounts in price base amounts, and at If Skadeförsäkring the amounts for disability and death follow the price base amount on each annual renewal date. ICA Försäkring says the amount is index-linked every year in line with the price base amount. At Trygg-Hansa and Dina Försäkringar the amount follows the consumer price index. A higher amount can be chosen up to age 17 at Dina Försäkringar and up to the child's 18th birthday at Trygg-Hansa. [8][15][13][12][19][5]

ICA Försäkring's pre-purchase information does not state the insured amounts and refers to the website instead. The website, updated on 25 May 2026, lists 911 000 to 3 253 000 kr, while Konsumenternas' comparison, dated 8 January 2026, lists 903 000 to 3 225 000 kr. The table shows the website's amounts, and your policy document shows the amount that applies to you. [10][12][2]