Are you properly insured when travelling?

I agree - insurance is one big thicket and you really need to find your way through it!

It is very important to have good travel insurance when you are away for more than 45 days. If you come home before the estimated time, you can get money back for the remaining days. I have used the dental insurance myself. Should a serious illness occur, the insurance will help you with both expensive medication and a possible trip home. Good insurance is absolutely necessary and as you say, talk to your insurance company.

Was hospitalised in Greece this summer.
Contacted Sos in Denmark who helped us.
They told us what to save and which certificates to keep.
were needed. When we got home, we just sent in
copies of everything and the insurance company paid for everything.
Felt very safe mostly with Sos. They were
wonderful. One tip though, cash... We'll
having cash for seven in an envelope.
/ Aila

If you get sick in the middle of the night like me
cash is better. In Greece, the
there were no clothes in the hospital. You had to
for itself.

Pepper, pepper, pepper, we have managed to avoid incidents and it is important to check your insurance cover before travelling. Don't forget the little plastic card from Försäkringskassan either, it makes it easier to contact a doctor.

Our experience is that in the EU it is much easier/less complicated with hospitals and medical care and related costs.
We travel a lot in Asia and are sometimes away for more than 45 days, so we have additional insurance, which is necessary but expensive. In our experience, a credit card is often required for hospital visits in many Asian countries. It is like the entrance ticket. Then SOS is always good...but often hospitals want a guarantee through the credit card. Just one night in a hospital in Bangkok, for example, can cost several thousand dollars, which has to be paid as soon as you arrive, on admission.
And one piece of advice is to bring papers on EVERYTHING the doctor says, e.g. bed position, rest, etc. Nothing is obvious when you talk to the Swedish insurance companies.
(Of course, having some cash is always good too...).

Travellers should be particularly aware that home insurance is only valid for trips shorter than 45 days. Once the home insurance cover has expired, travellers are responsible for all costs if they are injured in an accident or fall ill. This means you should get travel insurance for the remainder of your trip if it exceeds 45 days. If you don't have a home insurance policy, you should take out a separate travel insurance policy that is valid from day one.