Privat reseförsäkring i Danmark och Sverige – olika länder, olika förutsättningar

Artikkelforfatter: Henning Norlander
Udgave:
1, 2001
Språk: Internasjonal
Kategori:

G39G31 NFT 1/2001 Den speciella innebörden av att reseförsäkringen är ”privat” Ett konsumentavtal G45G6EG20G70G72G69G76G61G74G20G72G65G73G65G66GF6G72G73GE4G6BG72G69G6EG67G20GE4G72G20G66GF6G72G20G64G65G74G20G66GF6G72G73G74G61G20G65G74G74G20G73GE5 G6BG61G6CG6CG61G74G20 G6BG6FG6EG73G75G6DG65G6EG74G61G76G74G61G6CG2EG20 G42GE5G64G65G20 G44G61G6EG6DG61G72G6BG20 G6FG63G68 G53G76G65G72G69G67G65G20G68G61G72G20G69G20G73G69G6EG20G6EG61G74G69G6FG6EG65G6CG6CG61G20G6CG61G67G73G74G69G66G74G6EG69G6EG67G20G64G65G66G69G2D G6EG69G74G69G6FG6EG65G72G20G70GE5G20G76G61G64G20G65G74G74G20G73GE5G64G61G6EG74G20GE4G72G2EG20G49G20G44G61G6EG6DG61G72G6BG20GE5G74G65G72G2D G66G69G6EG6EG73G20G64G65G66G69G6EG69G74G69G6FG6EG65G6EG20G65G78G65G6DG70G65G6CG76G69G73G20G69G20G66G6FG72G62G72G75G67G65G72G61G76G2D G74G61G6CG73G6CG6FG76G65G6EG20 G28G6BG61G6EG20 GF6G76G65G72G73GE4G74G74G61G73G20 G6DG65G64G20 G94G6BG6FG6EG73G75G6DG65G6EG74G2D G61G76G74G61G6CG73G6CG61G67G65G6EG94G20G70GE5G20G73G76G65G6EG73G6BG61G29G3A G53G6FG6DG20 G65G6EG20 G66G6FG72G62G72G75G67G65G72G61G66G74G61G6CG65G20 G62G65G74G65G67G6EG65G73G20 G65G6EG20 G61G66G74G61G6CG65G2C G73G6FG6DG20G65G6EG20G65G72G68G76G65G72G76G73G64G72G69G76G65G6EG64G65G20G69G6EG64G67GE5G72G20G69G20G73G69G74G20G65G72G68G76G65G72G76G2C G6EGE5G72G20G64G65G6EG20G65G72G68G76G65G72G76G73G64G72G69G76G65G6EG64G65G73G20G79G64G65G6CG73G65G20G68G6FG76G65G64G73G61G67G65G2D G6CG69G67G20G65G72G20G62G65G73G74G65G6DG74G20G74G69G6CG20G69G6BG6BG65G2DG65G72G68G76G65G72G76G73G6DGE6G73G73G69G67G20G61G6EG76G65G6EG2D G64G65G6CG73G65G20G66G6FG72G20G64G65G6EG20G61G6EG64G65G6EG20G70G61G72G74G20G28G66G6FG72G62G72G75G67G65G72G65G6EG29G20G5BG85G5D G44G65G6EG20 G64G61G6EG73G6BG61G20 G66G6FG72G62G72G75G67G65G72G61G76G74G61G6CG73G6CG6FG76G65G6EG20 G67GE4G6CG6CG65G72G20 G61G6CG6C G73G6CG61G67G73G20G66GF6G72G73GE4G6BG72G69G6EG67G20G73G6FG6DG20G73GE4G6CG6AG73G20G74G69G6CG6CG20G65G6EG73G6BG69G6CG64G2EG20G44G65G6EG20GE4G72 G64G6FG63G6BG20G69G6EG74G65G20G6EGE5G67G6FG6EG20G73G70G65G63G69G65G6CG6CG20G66GF6G72G73GE4G6BG72G69G6EG67G73G6CG61G67G20G75G74G61G6E G74G69G6CG6CGE4G6DG70G61G73G20 G70GE5G20 G66G6CG65G72G61G20 G6FG6DG72GE5G64G65G6EG2EG20 G49G20 GF6G76G72G69G67G74G20 G67GE4G6CG6CG65G72 G64G61G6EG73G6BG61G20 G66GF6G72G73GE4G6BG72G69G6EG67G73G61G76G74G61G6CG73G6CG61G67G65G6EG2E G49G20G53G76G65G72G69G67G65G20G68G61G72G20G76G69G20G64GE4G72G65G6DG6FG74G20G6FG6CG69G6BG61G20G6CG61G67G73G74G69G66G74G6EG69G6EG67 G66GF6G72G20G6FG6CG69G6BG61G20G74G79G70G65G72G20G61G76G20G66GF6G72G73GE4G6BG72G69G6EG67G61G72G2EG20G48GE4G72G20G66G69G6EG6EG73G20G62GE5G64G65 G65G6EG20 G66GF6G72G73GE4G6BG72G69G6EG67G73G61G76G74G61G6CG73G6CG61G67G20 G6FG63G68G20 G65G6EG20 G6BG6FG6EG73G75G6DG65G6EG74G2D G66GF6G72G73GE4G6BG72G69G6EG67G73G6CG61G67G2EG20G49G20G66GF6G72G73G74G61G20G68G61G6EG64G20GE4G72G20G64G65G74G20G64G65G6EG20G73G65G6EG61G72G65 G73G6FG6DG20 G6FG6DG66G61G74G74G61G72G20 G70G72G69G76G61G74G61G20 G72G65G73G65G66GF6G72G73GE4G6BG72G69G6EG67G61G72G20 G6FG63G68 G64G65G6EG20 G75G74G74G72G79G63G6BG65G72G20 G6BG6FG6EG73G75G6DG65G6EG74G62G65G67G72G65G70G70G65G74G20 G75G6EG67G65G66GE4G72 G73G6FG6DG20G69G20G44G61G6EG6DG61G72G6BG3A G44G65G6EG6EG61G20G6CG61G67G20G74G69G6CG6CGE4G6DG70G61G73G20G70GE5G20G66GF6G72G73GE4G6BG72G69G6EG67G61G72G20G73G6FG6DG20G6BG6FG6EG2D G73G75G6DG65G6EG74G65G72G20 G74G65G63G6BG6EG61G72G20 G68G6FG73G20 G66GF6G72G73GE4G6BG72G69G6EG67G73G62G6FG6CG61G67G20 G66GF6G72 G68G75G76G75G64G73G61G6BG6CG69G67G65G6EG20G65G6EG73G6BG69G6CG74G20GE4G6EG64G61G6DGE5G6CG2E G49G64GE9G6EG20G6DG65G64G20G64G65G6EG20G6BG6FG6EG73G75G6DG65G6EG74G73G6BG79G64G64G61G6EG64G65G20G6CG61G67G73G74G69G66G74G2D G6EG69G6EG67G65G6EG20GE4G72G20G61G74G74G20G74G69G6CG6CG76G61G72G61G74G61G20G64G65G6EG20G65G6EG73G6BG69G6CG64G65G73G20G72GE4G74G74G20G70GE5G20G65G74G74 G6DG65G72G20G6CGE5G6EG67G74G67GE5G65G6EG64G65G20G73GE4G74G74G20GE4G6EG20G76G69G64G20G74G69G6CG6CG20G65G78G65G6DG70G65G6CG20G61G76G74G61G6C G6DG65G6CG6CG61G6EG20G6EGE4G72G69G6EG67G73G69G64G6BG61G72G65G2EG20G4BG6FG6EG73G75G6DG65G6EG74G65G72G20G68G61G72G20G6EGE4G6DG2D G6CG69G67G65G6EG20 G74G72G61G64G69G74G69G6FG6EG65G6CG6CG74G20 G73G65G74G74G20 G61G6EG73G65G74G74G73G20 G69G6EG74G61G20 G65G6EG20 G75G6EG64G65G72G2D G6CGE4G67G73G65G6EG20 G73G74GE4G6CG6CG6EG69G6EG67G20 G64GE5G20 G64G65G20 G73G6CG75G74G65G72G20 G61G76G74G61G6CG20 G6DG65G64G20 G6EGE4G2D G72G69G6EG67G73G69G64G6BG61G72G65G2EG20 G45G74G74G20 G65G78G65G6DG70G65G6CG20 G70GE5G20 G65G6EG20 G6BG6FG6EG73G75G6DG65G6EG74G2D Privat reseförsäkring i Danmark och Sverige – olika länder, olika förutsättningar av Henning Norlander, Konsumenternas Försäkringsbyrå Henning Norlander Den danska privata reseförsäkringsmarknaden har haft sina speciella förutsättningar och har därför utvecklats på ett annat sätt än den svenska. Jag ska här försöka belysa såväl dessa förutsättningar som hur danska marknaden har ut- vecklats ur dem. Samtidigt kommer jag att lämna en parallell beskrivning av svenska förhållanden. Först vill jag dock passa på att tacka Svenska Försäk- ringsföreningen, som under hösten möjliggjorde studien av den danska marknaden genom att tilldela mig sitt Nordiska stipendium. 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om t ex brandskada X Evakueringskostnad vid fara för t ex krig X X X Självriskskydd, bostadsskada i Sverige Självriskskydd, bilskada Sverige Självriskskydd, hyrbil utomlands Självriskskydd, ansvarsskada Självriskskydd, rättsskydd Självriskskydd, överfall Självriskskydd, vårdkostnad Självriskskydd, bagageskada X* X* X* Bonusförlust, bagageskada X* X* Flygkapning X G7F Eurocard Guld kreditkort Tvåveckors resa till Spanien – alternativ för danska resenärer med Tryg-Balticas ”Familiens baisforsikring II” G31G30G33 Folksam H Folksam Visa SEBG90 Europeiska Nord Försäkringen har moment med självrisk X Avbeställningsskydd X X X X Resestartskydd X X X Anslutningsskydd X X X Försening bagage X X X X Försening färdmedel X X X X Vårdkostnader - olycka/sjukdom X X** Tandskada X X** Patientskada vid felbehandling Kristerapi X Hemtransport – sjuk/död X X** Begravning på plats X X** Försäkrad medresenär hjälper skadad X X** Anhörigs resa till sjuk i utland X X** Hemresa – allvarligt händelse hemma X X** Invaliditet/dödsfallskapital - olycka X X X X Outnyttjad resekostnad X X Ersättningsresa X X Bagage, t ex stöld X X** Bagage – extrakostnader vid skada X Biljetter, pass, utvidgat skydd, t ex stöld Ansvarsskydd X Rättsskydd X Lån till lösen vid myndighetsingripande Överfallsskydd X Aktivitetskostnader, återbetalning X Hyra av extrautrustning X Ny semesterbostad om t ex brandskada Evakueringskostnad vid fara för t ex krig Självriskskydd, bostadsskada i Sverige X X* Självriskskydd, bilskada Sverige X X* Självriskskydd, hyrbil utomlands X* Självriskskydd, ansvarsskada X Självriskskydd, rättsskydd X Självriskskydd, överfall X Självriskskydd, vårdkostnad X* Självriskskydd, bagageskada Bonusförlust, bagageskada Flygkapning G7F G20Ett Visa-kort med betalningsfunktion kopplat till banken SEB. 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