Insurance requirements for studying in Sweden as a researcher, postdoc or teacher

Insurance information for Sweden

If you are going to study and live in Sweden, you want to be fully prepared before starting your adventure. Among other things, you want to make sure your insurance covers everything you need, without paying too much.

Students from the EU/EEA countries

Staying for over a year? Make sure to get a personal identity number.

With it you’ll have access to the same health benefits – and pay the same patient fees – as Swedes. And might pay around SEK 150-250 for a doctor’s appointment, depending on where you live. Not bad, eh? So after you get here, register in the Swedish Population Register. When that’s approved, you’ll get your personal identity number.

Bring your European Health Insurance Card. With it you have access to healthcare at the same cost as Swedes. You might have one already. But if you don’t, you should apply for a European Health Insurance Card (EHIC) in your home country before you move. Oh, and since you’ll need it when applying for a Swedish personal identity number, it’s an important that you bring it with you.

Not able to get a European Health Insurance Card?

Hmm, that makes it a little more complicated. You’ll need to take out your own insurance instead. Because medical care here without insurance can be, well, crazy expensive.

Students from outside the EU/EEA

Do I need to arrange health insurance before I move?

Maybe. But it depends. On how long your programme is, how long you’ll be here. But one thing’s for certain. You’ll need to take out insurance to cover your journey. Just in case something happens.

Here for over a year? Make sure to get a Swedish personal identity number

With it you’ll have access to the same health benefits – and pay the same patient fees – as Swedes. And might pay around SEK 150-250 for a doctor’s appointment, depending on where you live. Not bad, eh? So after you get here, register in the Swedish Population Register. When that’s approved, you’ll get your personal identity number.

But it might take a while to get it. So it’s worth having insurance coverage for the time you spend here before you receive your personal identity number.

Shorter stay? You’ll need to organise health insurance yourself

If your residence permit is valid for less than one year, you won’t be able to get a Swedish personal identity number. And, well, that means you won’t get automatic access to health insurance here. But your university might provide you with a health insurance plan.

Many universities offer health insurance coverage through the Swedish State Insurance Agency’s (Kammarkollegiet) plan. Not sure if they offer it? Get in touch with them to check.

It is important to understand that the EHIC (European Health Insurance Card) is not always enough and that local mandatory health insurance will probably not cover:

  • Additional medical costs
  • Repatriation
  • Liability
  • Home contents and baggage
  • Accidents
  • Legal aid

Via our partner Aon, you can easily discover details that apply to your specific situation. To get advice and insight in the costs of insurance, you can freely request an instant quote.

About Sweden

Sweden is a very ambitious, eco-friendly, and visionary country. For example, by 2040, it aims to produce all its energy from renewable sources. Universities play an important role in achieving development goals, thanks to their world-class research facilities. If you’re from the EU/EEA, you can study at public universities for free.

As a student, you will discover and easily adopt the three main values of Swedish society: freedom, equality, and sustainability. These values are reflected in every aspect of the local society, and you’ll quickly learn to appreciate them. Language barriers are also almost non-existent since around 80% of Swedes speak English.

Sweden