Insurance

Living in Europe | Health insurance | Sweden

Make sure you are fully insured throughout your entire stay in Sweden. If your spouse/cohabitant and/or children accompany you to Sweden, they too need to make sure that they have sufficient insurances. Check this before arriving in Sweden. .

As an employee at a university, you are generally covered by various insurances, both on or on the way to your workplace, but also during business travels. Check with your institution when you sign the contract.

Below is also information about Unemployment insurance and Home insurance.

Personal insurance

Depending on the duration of your stay and your country of citizenship, you may be eligible for tax-subsidised healthcare. Without it, medical costs in Sweden can be expensive and you should consider getting a private medical insurance.

EU citizens
Staying less than one year
If you come from an EU/EEA country or from Switzerland, you just need to pay the standard Swedish patient fee to receive necessary care. You must present your European Health Insurance Card (EHIC), which you can order in your home country. If you come from another Nordic country, you can instead show an ID card and provide your home address.

Staying one year or more
If you plan to stay in Sweden for at least one year, you must generally be entered into the Swedish population register. You do this by registering with the Swedish Tax Agency. Once you are registered in Sweden, you are entitled to healthcare under the same conditions as other residents of Sweden. This means that you pay the regular Swedish patient fee for medical care in the public healthcare system. You may also be entitled to different types of compensation and allowances from Försäkringskassan.

 

Non-EU citizens
Staying less than one year
If your residence permit is for less than a year, you cannot be listed in the Swedish civil registry, rendering you ineligible for Swedish healthcare benefits. Instead you have to make arrangements for health insurance coverage for the duration of your stay in Sweden before you arrive, either with an insurance company in your home country or through the University. Contact your host department for more information.

If you’re employed by a state university (a public authority) you’re covered by the Swedish State Group and Personal Insurance (GIF) during your time in Sweden. This insurance is available to most foreign visitors, course participants, guest researchers, guest lecturers and accompanying family. Contact your host department before arriving in Sweden.

Staying one year or more
If you plan to stay in Sweden for at least one year, you must generally be entered into the Swedish population register. You do this by registering with the Swedish Tax Agency. Once you are registered in Sweden and when you have received your personal number, you are entitled to healthcare with the same conditions as other residents of Sweden. This means that you pay the regular Swedish patient fee for medical care in the public healthcare system. You may also be entitled to different types of compensation and allowances from Försäkringskassan.

EURAXESS - Researchers in motion

Insured at the university

The university has a group life insurance scheme that comes into effect on your first day of employment. The Occupational Injury Insurance Act also insures you during working hours as well as for travel to or from work. When travelling on business you are covered by travel insurance. For further information – contact your host department/equiv.

Werner Nystrand/imagebank.sweden.se

Unemployment insurance

Payouts of unemployment insurance take two forms, a basic benefit or an income-related benefit.

Unemployment insurance is not a part of the social insurance system in Sweden. Unemployment insurance is connected closely to the trade unions but is legally independent. When you start working in Sweden, investigate which unemployment insurance fund (widely known as A-Kassa) is available.

In order to receive an income-based benefit, you must have been a member of a voluntary unemployment insurance fund (A-kassa) for 12 months and have worked (been employed) for at least six months. In addition, some trade unions offer additional insurance against loss of income.

Please note that being able to stay in Sweden while unemployed depends on your immigration status.

Melker Dahlstrand/imagebank.sweden.se

Home insurance

We recommend that you purchase home insurance policy (hemförsäkring) for the duration of your stay here. If anything is stolen from your residence, or if any property is damaged or lost during your stay, you are responsible for repair or replacement costs. In addition to personal property, home insurance should also cover liability, legal expenses and travel insurance.
A home insurance policy is sold by most insurance companies in Sweden.

If you are in Sweden for a shorter period of time (less than one year), you will not receive a personal identity number. However, with a coordination number, some companies might be willing to help you with a policy. If you’re employed by a state university (a public authority) you’re covered by the Swedish State Group and Personal Insurance (GIF) during your time in Sweden. This insurance is available to for example foreign visitors, course participants, guest researchers, guest lecturers and accompanying family. The GIF-insurance covers personal property, liability, and accidents. Contact your host university before arriving in Sweden for more information.