Authorized Cigna healthcare provider Trusted partner to 50+ embassies and diplomatic missions in Stockholm

The Health Clinic Stockholm: Terms & Policies

Last Updated: 4 October 2026 • Version: 2.4 • Next review: April 2027

Table of Contents

  1. Terms of Use
    1.1 General Use
    1.2 No Medical Advice
    1.3 Intellectual Property
    1.4 Third-Party Links
    1.5 Governing Law & Disputes
    1.6 Limitation of Liability
    1.7 Digital Consultations (Telemedicine)
  2. Payment, Cancellation, No-Show & Financing
    2.1 Payment Terms
    2.2 Insurance Patients (Cigna, Allianz, etc.)
    2.3 Embassy & Consular Patients
    2.4 Cancellations & No-Shows
    2.5 Discounts
    2.6 Late Payment
    2.7 Refunds & Right of Withdrawal (Distance Act)
    2.8 Financing (Klarna)
    2.9 Prepayment to Secure a Booking
  3. Complaints, Patient Rights & IVO
    3.1 Complaint Steps
    3.2 Patient Injury Insurance
    3.3 Patient Rights
    3.4 Patient Safety (Lex Maria)
    3.5 Consumer Disputes & ARN
  4. Cookie Policy & Consent (summary)
  5. Privacy Policy (GDPR & Patient Data Act)
    5.1 Data Controller
    5.2 Categories of Data
    5.3 Purpose & Legal Basis
    5.4 Sources
    5.5 Sharing (DPAs) & DPO
    5.6 Retention & Deletion
    5.7 Security
    5.8 Data Subject Rights
    5.9 International Transfers
  6. Patient Safety & Quality Statement
  7. Company Details
    — Emergency Disclaimer
    — Version Control

1) Terms of Use

1.1 General Use

By using thehealthclinicstockholm.com or our services, you accept these Terms. Misuse (unauthorized access, malware, disruption) is prohibited. We may modify, suspend, or discontinue parts of the site/services at any time.

1.2 No Medical Advice

Website content is general information, not medical advice. Always consult a licensed clinician for individual assessment.

1.3 Intellectual Property

All materials are the property of HC Operations AB or licensors and may not be reproduced/modified/distributed without prior written consent.

1.4 Third-Party Links

We are not responsible for content, security, or privacy practices of external sites linked here.

1.5 Governing Law & Disputes

Swedish law applies. Disputes are resolved by Swedish courts.

1.6 Limitation of Liability

To the extent permitted by law, we are not liable for indirect/consequential damages, data loss, or costs arising from third-party errors, service interruptions, or external labs/imaging. Nothing limits liability for gross negligence or statutory patient injury.

1.7 Digital Consultations (Telemedicine)

Video/online consultations are performed by licensed clinicians under Swedish law. Patients must provide accurate information and a private, safe environment. If a physical exam is required, we may refer or reschedule. Digital care does not replace emergency care—call 112 in emergencies.

2) Payment, Cancellation, No-Show & Financing

2.1 Payment Terms

Payment is on-site or via secure link. Installments may be offered via Klarna, subject to Klarna’s independent credit assessment and approval. Unless otherwise agreed in writing, full payment is due immediately after each visit.

2.2 Insurance Patients (Cigna, Allianz, etc.)

Pay SEK 3,000 on site — SEK 3,500 for visits after 17:00 and at weekends (general practitioner or specialist in internal medicine). Additional balances may be billed to the insurer under a written agreement. If payment is not received within 20 working days, an invoice will be sent to the patient (due within 48 hours). The patient is ultimately responsible unless liability is explicitly transferred by a direct-billing agreement.

2.3 Embassy & Consular Patients

SEK 3,000 is always paid on site — SEK 3,500 for visits after 17:00 and at weekends (general practitioner or specialist in internal medicine). Remaining balances may be invoiced only with a written embassy/consulate agreement. If payment is delayed beyond 20 working days, the individual becomes personally liable for the full amount.

2.4 Cancellations & No-Shows

Cancel ≥ 24 hours in advance. Late cancellations/no-shows are charged the full visit fee. This applies to all patient categories including insurance (Cigna, Allianz, AXA, Bupa) — insurers do not reimburse no-shows and the patient is invoiced personally. Exceptions only for acute illness, hospitalisation or bereavement with valid medical or written certification.

2.5 Discounts

Discounts apply only to services performed at our clinic (not external labs/imaging).

2.6 Late Payment

Invoices due within 10 days. Late payment may incur default interest (Interest Act 1975:635 §6), reminder/collection fees (Debt Collection Act 1974:182), and possible credit reporting (Credit Information Act 1973:1173).

2.7 Refunds & Right of Withdrawal

Healthcare services are subject to the Distance and Off-Premises Contracts Act (2005:59). If you have booked a service online or by telephone and the service has not yet started, you have 14 days to withdraw from the agreement without giving any reason. Once a healthcare service has been carried out with your explicit consent, the right of withdrawal no longer applies, in accordance with Chapter 2 §11 of that Act.

A standard withdrawal form is available on request from info@healthclinic.se. Prepaid services are refunded only if we cancel or cannot deliver the service within a reasonable time.

2.8 Financing (Klarna)

  • Availability & Eligibility: Financing may be available via Klarna for certain transactions. Availability is subject to Klarna’s independent credit assessment and approval.
  • Separate Contract: Financing is a separate agreement between the patient and Klarna. We are not a lender and do not charge interest/fees.
  • Fees/Non-Payment: Any fees or consequences of late/non-payment are governed solely by the finance provider’s terms.
  • Late Cancel/No-Show: Our charges still apply (see 2.4).
  • Start of Service: Once a financed medical service starts, the right of withdrawal does not apply (2.7).
  • Support: Contact the applicable finance provider for invoice/schedule questions.

2.9 Prepayment to Secure a Booking

For certain appointments — in particular after-hours, evening or weekend visits, or where a physician is held specifically for you — we may ask you to pay the consultation fee in advance to secure the booking. This prepayment confirms your appointment and is applied to your visit.

The prepayment covers the physician consultation only. Any additional examinations, laboratory tests or radiology (X-ray, ultrasound, MRI) are charged separately, and we will inform you of the cost before anything is carried out. If you attend, the amount is deducted from your final invoice.

If you do not attend, or you cancel later than the notice period set out in section 2.4, the prepayment is non-refundable, in line with sections 2.4 and 2.7. If the clinic is unable to provide the appointment, the prepayment is refunded in full.

Prepayments are processed securely by our payment provider (Stripe). We do not store your card details. By paying, you confirm that you have read and accept these terms.

3) Complaints, Patient Rights & IVO

3.1 Complaint Steps

If you have a concern about the care you have received, please contact us first. We take every complaint seriously and are legally required to respond.

Step 1 — Contact the clinic. Email info@healthclinic.se or write to the address below. We will acknowledge your complaint within one working day and reply substantively within four weeks.

Step 2 — Contact IVO. If your complaint is not resolved, or if the matter concerns a serious patient safety event (injury, significantly increased need for care, or death), you may submit a formal complaint to the Health and Social Care Inspectorate (Inspektionen för vård och omsorg, IVO) at ivo.se. IVO generally investigates events that occurred within the last two years.

Note on Patientnämnden. Patientnämnden in Region Stockholm handles publicly funded care and private providers with a regional agreement. Because The Health Clinic Stockholm is a fully private provider without such an agreement, Patientnämnden is not available as a complaint channel for our patients. Your route is clinic → IVO.

3.2 Patient Injury Insurance

We hold statutory patient injury insurance under the Patient Injury Act (1996:799).

Insurer: Folksam • Policy number: 505475 (Praktikförsäkring) • Claims line: 0771-950 950

If you believe you have suffered a patient injury in connection with care at our clinic, please notify us so we can assist you with the claim process. You may also contact Folksam directly.

3.3 Patient Rights

As a patient, you have the right to access your medical records, to have factual errors annotated or corrected under the statutory procedure, to receive information to make informed decisions about your care, to give or withhold consent to treatment, and to request a second medical opinion.

3.4 Patient Safety (Lex Maria)

We operate a documented quality and patient-safety management system in accordance with SOSFS 2011:9 and the Patient Safety Act (2010:659). Events that have caused, or could have caused, serious patient injury are investigated internally and reported to IVO under Lex Maria. We publish an annual Patient Safety Report (Patientsäkerhetsberättelse) by 1 March each year, which is available on our website.

3.5 Consumer Disputes & ARN

The Swedish National Board for Consumer Disputes (Allmänna reklamationsnämnden, ARN) does not examine disputes concerning healthcare services. For non-medical services that are not classified as healthcare, you may contact ARN at arn.se. EU residents may also use the European Commission Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

4) Cookie Policy & Consent (summary)

We use essential cookies (always active), analytics cookies, and marketing cookies. Non-essential cookies require active consent (no pre-checked boxes). You can change/withdraw consent anytime via Cookie Settings. Disabling cookies may affect functionality. See our Cookie Policy for details.

5) Privacy Policy (GDPR & Patient Data Act)

5.1 Data Controller

HC Operations AB • Org. No. 559338-3309
Kungstensgatan 2, 114 25 Stockholm, Sweden • info@healthclinic.se

5.2 Categories of Data

Identity/contact; health records (diagnoses, notes, test results); appointment, billing, insurance/embassy; website/communications data.

5.3 Purpose & Legal Basis

Healthcare & records (legal obligation); bookings/billing (contract); legal reporting (e.g., IVO) (legal obligation); fraud/IT security (legitimate interest); analytics/marketing (consent).

5.4 Sources

Collected from patients; generated during care; received from partners (labs, radiology, insurers/embassies); via web interactions.

5.5 Sharing (DPAs) & DPO

Shared only when lawful and under GDPR Article 28 Data Processing Agreements with authorized staff, labs, radiology, insurers/embassies, and IT/support vendors.
Data Protection Officer (DPO): dpo@healthclinic.se

5.6 Retention & Deletion

Medical records retained per statutory periods; admin data per accounting/legal rules; securely deleted or anonymized after retention.

5.7 Security

Encryption, access control, role-based permissions, secure backups, continuous audit logging.

5.8 Data Subject Rights

Access; correction/annotation; restriction; objection to marketing; withdraw consent; complaint to IMY (Integritetsskyddsmyndigheten).

5.9 International Transfers

No transfers outside EU/EEA without adequate safeguards.

6) Patient Safety & Quality Statement

HC Operations AB is registered in IVO’s register of healthcare providers (vårdgivarregistret) under organisation number 559338-3309. We operate under Swedish law, including the Health and Medical Services Act (2017:30), the Patient Safety Act (2010:659), the Patient Act (2014:821), and the Patient Data Act (2008:355).

Head of operations (Verksamhetschef): Sharon Hosseini.

In accordance with Chapter 3 §10 of the Patient Safety Act, we publish an annual Patient Safety Report by 1 March each year. It describes our systematic patient safety work during the previous calendar year, measures taken to increase patient safety, and results achieved. The report is publicly available on our website.

7) Company Details

HC Operations AB • Organisation number 559338-3309 • VAT SE559338330901
Registered seat: Stockholm, Sweden • Address: Kungstensgatan 2, 114 25 Stockholm
Email: info@healthclinic.se • Phone: 08-733 33 44 • Website: https://thehealthclinicstockholm.com
Data Protection Officer: dpo@healthclinic.se

Emergency Disclaimer

We do not provide emergency services. For acute or life-threatening conditions, call 112.

Version Control

Version 2.4 — adopted 19 April 2026, updated 4 October 2026. Supersedes version 2.3 of 15 October 2025. Next scheduled review: April 2027.

 

Authorized provider
Cigna Healthcare
International medical network
Trusted partner to
50+
Embassies in Stockholm