THE SHORT ANSWER
Insurance through work and your union does not always appear among the bills you pay yourself. Some cover comes with your employment or membership. Other policies are offers you need to accept.
Start by finding out which agreements apply to you. A missing policy document means the cover needs checking, not that you definitely do not have it. [1]
Keep these points in mind
- Work and your union are two separate sources.
- An offer is not confirmation of insurance.
- Missing documents mean Unverified.
STEP BY STEP
How to check your cover
Check your union membership benefits
Separate what is included, what you have chosen to take out and what is simply offered at a discount. Check who is insured and the period the statement covers. Your membership fee alone does not show everything that is included.
[1]Spell out the abbreviations
TGL is occupational group life insurance and may pay a benefit on death. AGS is sickness insurance under a collective agreement and may supplement payments during sick leave. TFA is work injury insurance. Names and cover differ between collective agreements; these are examples, not a list of what every employee has.
[2][3][4]Collect the statements and terms
Ask for both your insurance statement and the terms it refers to. Note the start date, amounts, age limits and what happens if you change employer or union. Keep the contact details of someone who can confirm anything that is unclear.
[1]
One source can provide several kinds of cover
A group agreement may contain several parts with different terms. Work injury cover, for example, is not the same as accident insurance in your free time. Life cover concerns payments to survivors, not medical care.
Read each part separately. Instead of simply writing ‘insured through work’, record what the statement actually shows and what you still need to ask about.
[2][4]Add the documents to My Forsio
In My Forsio, you can add documents so that cover from different sources can form part of the same overview. Documents from your employer and union need to be added separately.
The questions under About you help fill in what the documents do not make clear. Unverified is a prompt to check, not a statement that insurance is missing.
Fictional example
One bill does not show everything.
A person has added a private policy document and a membership statement, but is waiting for documents from HR.
- Private accident insurance
- Current policy document
- Membership insurance
- Listed in the membership statement
- TGL through work
- Unverified
The next step is to ask the employer about TGL, rather than assume life cover is missing.
Common questions
Do I have to belong to a union to have cover through work?
Distinguish insurance provided through your employment under a collective agreement from insurance that comes with union membership. Ask your employer which agreement covers you; not being a union member does not itself prove that workplace insurance is missing. [2][1]
What happens when I change jobs?
Check when your old cover ends and your new cover begins. Some personal insurance policies through a group have rules on continuing cover. Ask the insurer to explain what applies before drawing conclusions from an old statement. [1]
MY FORSIO
Include the cover you already have.
Bring your policies together in My Forsio. Cover through work or your union may need to be added as documents. Free for individuals, with no invitation needed.
Sources and references
Sources checked
This guide explains general principles of Swedish insurance. Your policy schedule and terms set out what applies to you.