Insurance

All students studying in Sweden are covered by a personal injury insurance (a general student insurance) that has been obtained on behalf of universities and colleges within the Swedish state insurance system by Kammarkollegiet. The insurance applies while you are on campus during school hours and during travel to and from the location where school hours are spent.

Stockholm University strongly recommends all students to have a complete insurance coverage to avoid extreme costs that might occur during off-campus activities. Carefully consider which level of insurance you need and pay particular attention to any restrictions and exclusions.

EU/EEA/Swiss Citizens and the European Health Insurance Card

International and exchange students who are passport holders and current residents of an EU/EEA country or Switzerland should bring their European Health Insurance Card which is issued by the social insurance office in their home country. The card states that you are entitled to health care with the same conditions and at the same rate as permanent residents in Sweden. Be sure to bring the card whenever you seek medical care.

If you do not obtain a European Health Insurance Card in your home country or are an EU/EEA/Swiss passport holder, but not a current resident of that country, you will need to arrange your own insurance coverage to cover costs, as medical care without insurance can be very expensive. However, you always have access to emergency care.

If you will be staying in Sweden for more than a year, you can register with the Swedish Tax Agency for a personal identity number. You will need to show your European Health Insurance Card when you apply for your personal identity number. Once you have received your number, you will be entitled to all healthcare services and pay Swedish patient fees.

Non-EU/EEA citizens: stays of one year or more

If your degree programme is more than one year, and you are a fee-paying student at Stockholm University, you will be covered by an insurance policy provided by “Kammarkollegiet”, FAS The Swedish State’s Insurance for Fee-Paying Students. The insurance covers emergency medical and dental care during your study period and is valid two weeks prior to the start of studies and two weeks after the end of studies.

If you have a residence permit valid for a period of more than one year, you can register with the Swedish Tax Agency for a personal identity number. Once you have received your number, you will be entitled to all healthcare services and pay Swedish patient fees. The application procedure can be lengthy, but you will even be fully covered if you need medical assistance during the time it takes to process your application. While you are waiting for your personal identity number, you will need to prove that you have made an application to the Swedish Tax Agency when seeking medical attention.

Non-EU/EEA citizens: stays of less than one year

If you have a residence permit valid for a period of less than one year and are a fee-paying student at Stockholm University, you will be covered by an insurance policy provided by “Kammarkollegiet”, FAS The Swedish State’s Insurance for Fee-Paying Students. The insurance covers emergency medical and dental care during your study period and is valid two weeks prior to the start of studies and two weeks after the end of studies. It is also applicable during direct travel between your home country and Sweden. If you hold a Schengen Visa issued by a Swedish mission abroad the insurance applies 24 hours a day in the Schengen region. If you do not have a Schengen Visa, the insurance is only applicable in Sweden. The insurance is not applicable in your home country for reasons other than studies or work placement as part of your studies/internship experience at Stockholm University.

SI-scholarship holders

Students holding a Swedish Institute scholarship are insured by the Swedish State Group Insurance and Personal Insurance (GIF). The insurance covers illness and accident during the scholarship period. For more information please contact the Swedish Institute.

PhD students

PhD students with an education grant are covered by group life insurance. Spouses are also insured with group life insurance if he/she does not have their own insurance. The insurance covers a basic amount, a supplementary amount as well as a contribution to funeral expenses.

Exchange Students

All exchange students from universities with which Stockholm University has a formal exchange agreement are covered by an insurance policy provided by “Kammarkollegiet”, Student-IN, The Swedish State’s Insurance for Foreign Students in Sweden. This coverage is restricted to your study period at Stockholm University and extends only to claims arising while you are physically present in Sweden. The insurance applies 24-hours a day and includes:

  • Disability and death benefits
  • Property cover
  • Home transport cover
  • Liability cover
  • Legal expenses cover

In some cases, the Student-IN insurance can cover necessary and reasonable costs for emergency medical care or dental care if the individual insured, during the policy term, suffers illness or in case of an accident. This insurance applies to exchange students who are not citizens of a Nordic country, an EU/EEA Member State, Switzerland or another Convention country regarding medical benefits, or are registered in Sweden and therefore have a Swedish personal identification number or for other reasons pay the same health care fees as residents in Sweden. This insurance does not apply to the extent the insured may receive compensation from another insurance.

If you need to see a doctor and this insurance applies to you:

  • Visit for example “CityAkuten” and pay the fees
  • Contact your coordinator at Stockholm University and complete a claim form
  • Return the form to the coordinator together with all original receipts and a refund will be made