Insurance

Admitted to studies lasting more than 12 months?

If you have been admitted to an educational programme at a higher education institution in Sweden that is longer than 12 months, you must register with the Swedish Tax Agency. When you have been registered as a resident in Sweden, you will receive a Swedish personal identity number. This means that you can use the Swedish health care system at the same subsidised price as other residents in Sweden. 

Keep in mind that it normally takes from a few weeks up to a couple of months before you receive your personal identity number. There may therefore be a period while waiting for your personal identity number where you are not entitled to subsidised health care. When you receive your personal identity number, your residency registration is usually valid retroactively from the day your application was submitted. If you had expenses for health care fees before you received your personal identity number, you can then get back the part of the costs that exceeds the subsidised fee. 

EU/EEA citizens 

As an EU/EEA citizen, you can use the European Health Insurance Card (EHIC) to seek health care in Sweden. If you are going to study in Sweden for more than 12 months, you can use the Health Insurance Card while waiting for your Swedish personal identity number. Order your European Health Insurance Card well in advance of your departure to Sweden. The Health Insurance Card allows you to use the Swedish health care system at the same subsidised price as other residents in Sweden. The card gives you the right to medical and dental care that cannot wait until you return to your home country. This means not only emergency care, but also heath care caused by chronic illness. Such health care includes sample-taking and medical checks. 

Student IN

If you are an exchange student at a public university or other institution of higher education in Sweden, your institution can take out insurance from the Legal, Financial and Administrative Services Agency (Kammarkollegiet). The insurance is free of charge and is valid 24 hours a day for students, researchers and interns in Sweden under an agreement between a Swedish and a foreign institution of higher education. The insurance coverage includes emergency health care and dental expenses. Read the terms and conditions carefully so that you know exactly what the insurance covers. 

Insurance for fee-paying students – FAS

If you pay a fee to study at a public university or other higher education institution in Sweden, your education provider can take out a FAS or FASplus insurance. The insurance is free of charge for you and is valid 24 hours a day. The insurance applies even if you have received a scholarship that covers your tuition fee. The insurance coverage includes emergency health care and dental expenses. Read the terms and conditions carefully so that you know exactly what the insurance covers. 

Home insurance

Student IN and FAS or FASplus have no home insurance. Read the terms and conditions carefully so that you know exactly what the insurance covers in respect of your accommodation. Whether you are living as a lodger or in rented accommodation, a condominium or a house, it can be a good idea to take out a home insurance in the event of, for example, burglary, fire or water damage. There is no law that requires you to be insured, but many landlords and condominium insurance policies require home insurance because you can otherwise be left without protection for large costs that you may have to pay. Search for more information online about what insurance policies are available and find out what policy you may need to take out based on your situation.