How to read a Swedish insurance policy (in plain English)

Swedish insurance documents are written for lawyers, not newcomers. But a handful of words decide almost everything about what you’re actually covered for.

The three words that matter

Självrisk is your deductible - what you pay before the insurer pays anything. Undantag are the exclusions - what’s never covered, no matter what. Villkor is the full terms document, where both of those quietly live.

Most people sign without reading any of it, because it’s long and it’s in Swedish. That’s exactly where gaps and overpayments hide.

PolisOne reads the whole policy for you and translates the parts that affect your wallet - so you’re never signing something you can’t read.