Insurance

It is very important that you have adequate insurance coverage during the entire period of your stay in Sweden.

Medical insurance

All students, regardless of nationality, are covered by a general student insurance, which covers any personal injury that takes place while the student is on campus property or in transit to or from his/her place of study. It is, however, very important to make sure that you have complete medical coverage in case of illness, emergency, or injury during off-campus leisure activities. Be sure to also check your dental coverage before departure for Sweden. Depending on your policy, dental treatment may be covered by your medical insurance, or you may need to purchase separate dental insurance. Medical treatment is expensive without any form of health insurance. More information on medical treatment and costs is given in the Medical care section of the Pre-Arrival Guide for International Students.

Nordic and EU/EEA citizens

Students from EU/EEA countries should register with their social insurance office in their home country, in order to obtain the European Health Insurance Card (or form E11/E128). With the European Health Insurance Card you are entitled to health care in Sweden on the same conditions as Swedish citizens. In addition to health insurance, students are advised to take out insurance covering their personal belongings and a liability cover.

Non-Nordic and EU/EEA citizens

Students who have a residence permit for one full calendar year or more are eligible and advised to register with the Swedish Tax Agency (Skatteverket) to acquire a personal identity number (personnummer) after they arrive. This number entitles you to medical care according to the standard patient fees for Swedish citizens. More information on where and how to register will be provided in the welcome package given out during the introduction week for international students.

Students who have a residence permit that covers a period of less than one year will not be given a personal identity number and will not be entitled to reduced medical care costs. If this applies to you, it is important that you to obtain medical insurance from your home country that is valid for your entire stay in Sweden. Note that Sweden has reciprocal health care agreements with Australia, Algeria and the province of Quebec in Canada. Students from these countries/regions are entitled to healthcare in Sweden on the same conditions as Swedish citizens. For the reciprocal agreement to apply, however, the need for medical care must arise during your stay in Sweden.

Home insurance

In addition to a health insurance we also recommend you to take out home insurance (hemförsäkring) for the duration of your stay in Stockholm. If anything is stolen from your student room or flat or if any property is damaged or lost during your rental period, you are responsible for covering the repair or replacement costs. In addition to personal property, home insurance should also cover liability, legal expenses and travel insurance. Contact an insurance company for a quote (ask about special offers for students).

Last modified by: Louise Ängeby 2013-03-28