Insurance

Students at Stockholm University are covered by different insurances depending on their student status. Make sure you know which category you belong to and pay attention to coverage and restrictions.

All students studying in Sweden are covered by the Swedish State’s general student insurance, provided by “Kammarkollegiet”. The insurance applies during school hours and during travel to and from the location where school hours are spent.

Stockholm University strongly recommends all students to also have a complete insurance coverage to avoid extreme costs for incidents that might occur during off-campus activities.

Carefully consider which level of insurance you need and pay particular attention to any restrictions and exclusions. 

Personal injury insurance for university students in Sweden

If you’re a citizen of any of the EU/EEA countries or Switzerland, you should register for a European Health Insurance Card (EHIC) in your home country before coming to Sweden. This card gives you the right to medical care at the same cost as Swedes. Remember to always bring the card when seeking medical care. 

If you’re not able to receive your EHIC before leaving home due to long waiting times, you can request a temporary certificate from the same office in your home country that issues the EHIC. If you don’t obtain an EHIC in your home country, you’ll 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.

Staying more than one year?

If you will be staying in Sweden for more than a year, you should 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 personal identity number, you will be entitled to all healthcare services and pay Swedish patient fees.

Swedish personal identification number 

Are you an exchange student?

If you are an exchange student, you are covered by the Student-IN for coverage regarding, for example, property and liability. Please find more information below. 

Exchange students at Stockholm University are covered by Student-IN, the Swedish State’s insurance for exchange students in Sweden, provided by “Kammarkollegiet”.

The insurance applies during direct travel between the home country and Sweden, during the period of education, as well as two weeks before the start of study and two weeks after the end of study. Individual insurance is valid during the agreed insurance period.

This insurance provides coverage for:

  • disability and death benefits 
  • medical and dental care 
  • home transport 
  • personal property coverage 
  • third party liability 
  • legal expenses 

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 public health service 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.

Student-IN for exchange students in Sweden

Are you a citizen of an EU/ EEA country or Switzerland?

Exchange students who are citizens and current residents of an EU/ EEA country or Switzerland should bring their European Health Insurance Card, issued by the social insurance office in their home country.

Please see the information provided above for EU/EEA/Swiss/Nordic Citizens. 

All fee-paying students are covered by "FAS - The Swedish State’s Insurance for Fee-Paying Students".
The insurance is valid:

  • during the study period at Stockholm University
  • 2 weeks before and 2 weeks after the study period
  • during direct travel to/from your home country.
  • in the Schengen area (for Schengen visa holders; for others valid only in Sweden)
  • valid 24 hours per day

If you are covered by FAS and have questions or if you need to make an insurance claim, contact Student Services by emailing study@su.se or visit Infocenter.

FAS insurance for students who pay tuition fees

Staying more than one year?

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.

Swedish personal identification number

Students holding a Swedish Institute scholarship are covered by an insurance for foreign visitors, provided by “Kammarkollegiet”. 

More information about the insurance policy provided

New student