Are you desirous of traveling to Sweden as a student? You need to consider Health Insurance for International Students in Sweden before traveling.
Sweden’s healthcare system and insurance are among the best in the world. Year after year, this Nordic country is ranked in the top ten of the world’s best healthcare systems. These rankings are usually based on the efficiency, cost, and life expectancy of a country’s healthcare system.
Healthcare in Sweden without insurance is, well, crazy expensive. So before you move, make sure you know if, or how, you’re covered. If you’re considering relocating to Sweden, this post will provide you with an introduction to Swedish health insurance for international students. Health insurance guidelines vary depending on how long you’ll be in Sweden and on your citizenship.
How Healthcare Works in Sweden
In Sweden, the healthcare system is primarily decentralised. Despite the fact that the national government sets general policy, the regional level (the kommun or municipality) has the most influence.
The municipality, which is led by county council representatives that are elected every four years, is in charge of the region’s healthcare and health services. Each county can customise its demands to its own population and provide individualised care at the local level in this manner. County councils are also responsible for managing the organisation and operation of hospitals in their districts, as well as regulating the costs and quality of private providers’ services. There are over 20 county councils in Sweden, which regulate nearly 300 communities.
At the local level, municipalities provide care for disabled and elderly patients once they have been released from the hospital. Municipalities are also charged with the care of psychiatric patients.
Health Insurance in Sweden
As an international student, one of the first things you’ll need to figure out is your insurance before going anywhere. When it comes to health insurance, different nations have different standards, and you want to make sure you’re covered in case you become sick or hurt while visiting another country.
Your health insurance eligibility in Sweden is determined by a number of factors, including the anticipated length of your stay and your country of origin. A basic overview of health insurance for international students in Sweden is provided here.
Do You Need Health Insurance in Sweden?
It is not against the law to be in Sweden without health insurance. You will, however, require a personnummer in order to receive care under public health insurance. You must purchase private insurance if you do not yet have a personnummer.
Health Insurance for Nordic, EU/EEA Citizens, and Switzerland
If you are a citizen of a Nordic, EU/EAA, or Switzerland, you will have access to essential health care in Sweden if you register as a social insurance office and acquire a European Health Insurance Card in your home country. Request a form E128 or a form E111 if your nation has not yet issued European Health Insurance cards. This form will enable you to pay the standard patient charge in the same way as Swedish citizens do.
If you do not register with your social insurance company in your home country, you will be responsible for arranging your own insurance coverage, which is best done in your home country as well. Make sure you’re covered in some way, no matter what you do. the cost of medicine.
Health Insurance for Non-EU/EAA Citizens, Stays of One Year or More
You are entitled to the same health benefits as Swedish citizens if you are an international student studying in Sweden for more than a year. When you arrive in Sweden, you must first register with your local tax office and then receive a personal identity number (or “personnummer” in Swedish). The application process may take some time but be assured that you will be completely covered if you require medical treatment while your application is being processed. If you require medical help but haven’t received your “personnummer,” you’ll need to establish that you’ve applied for a social security number and civil registration.
Health Insurance for Non-EU/EAA Citizens, Stays of Less than a Year
You will not be able to receive a personal identification number and will not have automatic access to health care if you are an international student studying in Sweden for less than a year. Many Swedish universities and colleges, however, give coverage to their students through Kammarkollegiet’s FAS plan, so check with the university where you’ve been admitted to see if they offer this plan.
Sweden has reciprocal medical benefit agreements with a number of nations in addition to the government-run Kammarkollegiet insurance. To find out if your nation has a similar agreement with Sweden, contact the social insurance office in your native country. If you do, all you’ll need is your passport and a letter from your employer.
If you are not covered by any of these agreements, you will need to arrange for your own insurance coverage; medical treatment without any form of insurance is very expensive in Sweden.
Types of Health Insurance Plans
While the specific type of health insurance plan you receive will vary depending on the insurance provider you choose, you will typically be offered four options:
- Basic: Covers the basic health needs such as check-ups, medicine, preventative care, and various unexpected expenses.
- Essential: Covers a little extra than the basic plan. This plan will typically cost more but will cover a greater variety of appointment types and surgeries.
- Comprehensive: This includes outpatient treatment.
- Premium: This plan typically covers all basic medical needs, out-patient treatment, and international travel insurance.
Add-ons like eye and dental care may not be included in all plans. If this is something you need, be sure to check whether the provider you choose lists it as an option.
Cost of Health Insurance in Sweden
If you know you will need expensive medical procedures while in Sweden, it may be worth looking into private insurance. Public health insurance has a capped amount of what residents are expected to spend, but private insurance can still help offset some of those costs.
Private health insurance costs vary depending on the provider and plan, but on average, you should expect to spend around 4,000 SEK per year (400 USD).
Keep in mind that the government regulates even private healthcare in Sweden, and some private insurers are even subsidised by the government. As a result, even private insurance won’t be prohibitively expensive.
Is healthcare free for international students in Sweden?
Sweden’s healthcare is not free, but it is also not extremely expensive. In fact, when compared to other European countries, the cost of healthcare in Sweden is fairly low.
Basic healthcare visits range from 110 to 220 SEK (10–20 USD), depending on your county. An appointment with a specialist can cost up to 400 SEK (40 USD). For the first ten days in the hospital, the cost is around 120 SEK each day, and half that for anything beyond. Medical care is also free for people under the age of twenty.
The Swedish government makes concessions for people who require frequent healthcare. The government sets a yearly cap for out-of-pocket fees at around 1,000 SEK (100 USD). Anything exceeding this amount is covered by the Swedish government. This also applies to prescription medication, which is capped at around 2,250 SEK (230 USD).
Necessary and Recommended Insurance
A private health and assistance insurance is necessary and recommended for
1. for obtaining a travel visa to Sweden
2. for covering the medical costs until you are registered by the Swedish national funds
3. for taking charge all assistance benefits necessary during your studies abroad like :
Medical treatments (sickness and accident) not covered by Swedish national funds
Repatriation to your home country
Ambulance by air, sea and ground
Search and rescue
Accidental death and disability benefits
Third-party liability insurance
Healthcare in Sweden without insurance is, well, crazy expensive. So before you move, make sure you know if, or how, you’re covered. The health system in Sweden can be very different from yours. So, try to find out how your insurance (or the one you get) works with the system here.