{"id":4527,"date":"2023-04-28T11:47:18","date_gmt":"2023-04-28T09:47:18","guid":{"rendered":"https:\/\/babyjourney.se\/?p=4527"},"modified":"2025-07-18T19:04:39","modified_gmt":"2025-07-18T17:04:39","slug":"examples-of-how-your-child-insurance-policy-helps-you-2","status":"publish","type":"post","link":"https:\/\/webstaging.babyjourney.se\/en\/barn\/exempel-pa-nar-din-barnforsakring-hos-lansforsakringar-hjalper-dig-2\/","title":{"rendered":"Examples of when your child insurance with L\u00e4nsf\u00f6rs\u00e4kringar helps you"},"content":{"rendered":"

Sponsored by L\u00e4nsf\u00f6rs\u00e4kringar<\/em><\/p>\n

We recommend that all parents take out child insurance as soon as possible after the baby is born to get the best possible cover (preferably at the doorstep of the maternity hospital!). In this article, we give two examples of why your child should have child insurance and how it is calculated.<\/strong><\/p>\n

Child insurance is an important insurance for your children's economic security<\/a><\/strong> if something happens and should be taken out as early as possible. It can be difficult to know what a child insurance policy can cover if your child has an accident or falls ill. To help you understand what support and security a child insurance policy with L\u00e4nsf\u00f6rs\u00e4kringar<\/strong><\/a> can provide, we have listed two clear examples below.<\/p>\n

Example 1 - Diabetes<\/strong><\/p>\n

A 9-year-old boy is urgently admitted to hospital for treatment and it turns out that he has type 1 diabetes. The boy stays in hospital for 11 days, but before he can go back to school, he needs continued care from his parents at home. The Social Insurance Agency grants the boy's parents a quarter of the care allowance for three years. Diabetes is a disease that the boy will have for the rest of his life, i.e. a permanent disability that allows for a medical disability benefit of 15%.<\/p>\n

How is a medical disability calculated?<\/strong><\/p>\n

It may take a few years to establish the degree of disability. The number of years varies depending on the disease. The basic principle is that the person should be at a stage where the disease is neither getting better nor worse. Based on this stage and the individual's condition, medical experts assess the impact on daily life. Medical disability is assessed in percentages.<\/p>\n

This is how it works:<\/strong><\/p>\n

Compensation for medical invalidity is calculated on the amount of insurance chosen. A price base amount is a value that is set annually by the government and follows price developments in society. This means that our compensation is indexed annually.<\/p>\n

The boy's sum insured is\u00a040 PBB<\/strong>\u00a0(PBB = price base amount), i.e. SEK 2 292 000, resulting in a total compensation of SEK 455 029. The compensation is completely tax-free.<\/p>\n

This is how much is paid out:<\/strong><\/p>\n