Beware: Swedbank and 3 Kronor Insurance Are Not Student-Friendly!
As an international student in Sweden, I had the misfortune of dealing with Swedbank and 3 Kronor Insurance. Recently, I lost my house keys and my apartment owner charged me 850 Kr to open my door. I submitted a claim to 3 Kronor Insurance, expecting some support. Instead, they rejected my claim, stating that it was simply "bad luck" and not covered. However, if my keys had been in my backpack and the backpack was lost, they would have covered it. This is an absolutely ridiculous and infuriating response!
To make matters worse, I can't even cancel this useless insurance until October. When I signed up through my bank (Swedbank), they sent me a pile of documents in Swedish, a language I can't read or understand. I feel trapped and deceived by both Swedbank and 3 Kronor.
For any international students considering coming to Sweden, I strongly advise you to avoid Swedbank and 3 Kronor Insurance. They have shown themselves to be completely unreliable and untrustworthy. I am deeply disappointed and frustrated by their complacency and lack of support. Save yourself the headache and find better alternatives!
Reply from 3 kronor
Hi CS!
First and foremost - I'm sorry that we haven't been able to live up to your expectations regarding your claim.
When you make a claim, the conditions of the insurance policy is what regulates how and when we can help you with the situation at hand. It's really important that we, as your insurance company, are clear about what in the terms and conditions that applies on your specific situation and why we can or can not compensate you for the damages you've suffered.
If you feel as if we haven't been clear about this, or have any other questions or remarks regarding your claim, please contact us at 0771-233333.
I wish you a great rest of your day, and a nice summer.
Best regards
Robin, Tre Kronor