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If you understand why you need to fill in the health declaration when you take out accident insurance (both for children and adults), it suddenly seems less complicated. But without that knowledge, many questions may arise - let's clear them up!

Why do I need to fill in a health declaration when I take out child insurance?

When you apply for health and accident insurance, whether for children or adults, you need to fill in a health declaration. The information you provide in the health declaration is crucial for the insurance offer you receive.

By filling in a health declaration, you tell the insurer everything relevant about yourself or your child when you apply for the insurance. If it turns out that there is information that would have been relevant to the insurance company when you applied for the insurance and then report a possible claim, it can be so bad that your entire insurance is invalidated and thus you will not receive any compensation for the claim you reported. In other words, instead of receiving a small compensation, you may receive nothing at all.

Once you have submitted the health declaration, the insurance company will carry out an individual health assessment to define the insurance offer. This ensures that you are protected against future events covered by the insurance. In connection with the individual health assessment, the insurance company may need to take medical records to determine which insurance offer is available. This is one of the reasons why it is important to apply for a child insurance immediately after returning home from childbirth.

What does it mean to receive an insurance offer?

Receiving an insurance offer means that you can get the insurance you have applied for, or another offer. For example, you may not be able to receive compensation for an already known illness, injury or disorder, even if the condition worsens during the insurance period. You may also be refused the insurance you have applied for, but you will be offered a different policy instead.

Why do I have to provide information about my child's health when applying for child insurance?

Child insurance is a comprehensive insurance that allows you to receive compensation for both sickness and accidental injuries. There are large lump sums that can be paid out if the child suffers an illness that does not go away. In order for an insurance company to assess the risk of a claim, they need information on the insured person's state of health.

What do I need to consider when filling in a health declaration for my child when taking out child insurance?

It is important that you answer the questions truthfully and correctly, even if you think they are irrelevant. For example, if you have been to see a doctor, you must answer yes to the question of whether you sought treatment for the child, even if the child has recovered from the treatment. Otherwise, your insurance may be invalidated and you may not be reimbursed for a claim.

Take out your child insurance with Länsförsäkringar already today.