IF Metall’s optional member insurance policies

As a new member, you have free health and survivor’s insurance for the first three months.

The insurance comprises:

- Compensation of a maximum of SEK 2,200 per month, for a maximum of 18 months, after you have received a sickness benefit of at least 25 per cent for three months.

- IF Metall’s optional member insurance policies

- Health and survivor’s insurance

- Home insurance for members

- Members’ children

- Members’ Pension

- Legal insurance

- Future Pensioners

- Diagnosis payout. SEK 50,000 is paid out 30 days after you have received a diagnosis of a more severe nature, such as MS, stroke, acute myocardial infarc- tion, Parkinson’s, malignant cancer, ALS, or the loss of an arm or leg.

- Death benefit of SEK 250,000.

Once your first three months of membership have passed, Folksam will want to know whether you wish to keep the insurance. To opt out, you must notify us. We use a so-called “reservation method”. This means that you do not need to undergo a health exam and provide a medical declaration. Anyone can get the insurance, even if you have a medical history or if there are illnesses in the family. If you decline to keep the insurance and then change your mind, you must submit a simplified medical declaration.

You can also co-insure your spouse/cohabitant/registered partner, and you can now also choose other amounts in the various parts of the insurance.

As a member, you can take out blanket-coverage home insurance, which means that you do not have to specify the value of everything you own. The insurance includes, e.g., legal protection, assault protection, and travel protection, as well as protection in the event of identity theft. It is possible to tie a tenant-owner flat or detached house to the insurance.

Society does not automatically step in with financial help if children suffer accidents or become seriously ill. As a member, you can take out health and accident insurance for children and young people. Among other things, it covers medical and travel expenses, dental injuries, and damaged glasses and clothing. In addition, it provides compensation in the event of hospitalisation, medical disability, etc.

All new members of IF Metall are offered the opportunity to take out legal insurance via Folksam. If they choose to do so, Familjens Jurist provides the service. With legal insurance, you get up to 15 hours of legal help or advice per year. You also get well-being advice, help in the event of identity theft, and the opportunity to receive legal protection of up to SEK 2 million – all for just SEK 50 per month in 2024. For more information about the insurance and how to get it, go to folksam.se/ifmetall.

Members who are about to turn 65 will receive an offer for Illness 60+ insurance, which provides compensation in the event of, e.g., cancer, stroke, acute myocardial infarction, Parkinson’s, and dementia caused by Alzheimer’s.

Please note that Illness 60+ insurance can only be taken out at the time of the offer, while Accident 60+ can be taken out later.

For all offered insurances, you have the option to co-insure your partner.