Insurance requirements for studying at Malmö University
This page has information from Malmö University and Sweden combined. This might have resulted in repetitive info. Please read carefully and in case of questions please contact Malmö University
Insurance information for Malmö University
Insurance is important while studying at Malmö University because it can protect students from financial loss due to unforeseen circumstances such as accidents, illness, or theft. It can also provide coverage for tuition and other school-related expenses in case of emergency or withdrawal from classes. Having insurance can also provide peace of mind and allows you to focus on your studies.
About Malmö University
We are a modern and welcoming university, with first-class education and internationally competitive research, a place where we strive for the greatest accomplishments.
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
who are in possession of valid health insurance in their home country, may use the European Health Insurance Card (see FAQ EHIC). This is a free card that gives you access to medically necessary, state-provided healthcare during a temporary stay in any of the 27 EU countries, Iceland, Liechtenstein, Norway and Switzerland under the same conditions and at the same cost (free in some countries) as people insured in that country. Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance .EHIC does not guarantee free services. As each country’s healthcare system is different services that cost nothing at home might not be free in another country.
Your right to health services in Sweden depends of your status as resident of Sweden. If the duration of your stay in Sweden is more than one 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. You will need to register in the Swedish Population Register. When that’s approved, you’ll get your personal identity number.
You’ll need your EHIC when applying for a Swedish personal identity number.
Students from outside the EU/EEA
If your stay in Sweden is longer than one 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.
If your stay in Sweden is shorter than one year make 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.
Is this enough?
It is important to understand that the EHIC (European Health Insurance Card) is not always enough, Please note that EHIC is according to EU recommendations not an alternative for Travel Insurance, and that the local offered health insurance will probably not cover:
- (Additional) medical costs
- Home contents and baggage
- Legal aid
- Worldwide cover
You will need an insurance policy also covering, but also arranging for you, for example:
- You returning home if a close relative is seriously ill or dies;
- Up to two close relatives visiting you in if you fall seriously ill;
- Your medical repatriation to your home country for hospitalization or rehabilitation treatment;
- or in the worst possible situation, returning a body home for burial.
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 SwedenSweden 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.
Get custom advice for your situation from our partner, Aon. Click the button below and enter the wizard Aon created. It provides information on prices based on your country of origin, destination, and current insurance status. All this without any obligations on your part!