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More than 25 million sickness and accident insurance policies

Households may also have sickness and accident insurance. At the end
of 2018, there were more than 25 million sickness and accident insurance
policies in Sweden (see Figure 3). The reason that there are so many
policies is that an individual can have several different policies of this kind.
Just under half were accident policies and almost one third were some form
of sickness policy.

There are also combined insurances for sickness and accidents, for example
child insurance. For 2018, child insurance represents about 13 per cent of
the total number of sickness and accident policies. About 3 per cent was
combined insurances for sickness and accidents for adults.

Almost 42 per cent of sickness and accident policies are paid for not by
the individual but by their employer. An almost equally large share, over
38 per cent, of the policies are for group insurance. A group insurance means
for example that an individual can buy insurance via membership of a trade
union, often at an advantageous price. The remaining sickness and accident
policies are individual insurances.

An increasing number of people have healthcare insurance

Healthcare insurance normally covers both healthcare and rehabilitation
services. The content of the policies may vary somewhat, but generally
include medical on-call services, care planning and specialist care.
Preventive and rehabilitative measures are also often included.

The number of healthcare policies continues to increase. At the end of
2018, more than 658,000 people had healthcare insurance (see Figure 4).
That is an increase of 65 per cent since 2009. Employers pay for most
healthcare policies, about 59 per cent. About 32 per cent have bought
their healthcare insurance as a group insurance via their trade union, for
example. The remaining approximately 10 per cent have an individual
healthcare policy.