Health Insurance for Students in Sweden
What insurance students from India and Pakistan need for a Sweden residence permit for studies (the permit that lets you live and study in Sweden), and what fee-paying students get from their university.
Student Insurance Plan • Sweden
Insurance Rules for Sweden
The rule depends on how long you study.
Why You Need Health Insurance
- Health care before you have your personal identity number is not covered by the public system.
- Fee-paying students get FAS+ through Uppsala University and Chalmers.
Legal Requirements
- Insurance for study under one year must cover emergency and other medical care, hospital stays and emergency dental care.
- It must also cover travel home for medical reasons, and last your whole stay.
Insurance Approaches for Different Students
Study of one year or more
Register in the Swedish Population Register (the list of everyone who lives in Sweden). This gives you health and dental care.
Study of less than one year
You need full health insurance for your whole stay, unless your university insures you.
If your study lasts less than one year, you must have, or have applied for, full health insurance before you apply for your permit.
What Your University Gives
Check your university's insurance page before you buy extra insurance.
Your Insurance Options
Fee-paying students at some universities, such as Uppsala University and Chalmers, are insured by the university. Ask your university.
University insurance (FAS+)
Fee-paying students at Uppsala University and Chalmers get FAS+, the state insurance for fee-paying students. It comes through the university from Kammarkollegiet, a Swedish state agency.
Swedish public health care
If your permit is for 12 months or more, you get a personal identity number (personnummer), your Swedish ID number. With it you get the same health care as Swedish citizens.
Your own travel insurance
Covers your trip to Sweden and the time before you have your personal identity number.
Using Health Care in Sweden
How to get care and help.
Healthcare System Basics
- Health care in Sweden is run by areas called regions.
- The 1177.se site has health information in English.
Step-by-Step Care Guides
You feel ill
- 1Call 1177 for health care advice.
- 2Pay the bill, keep the receipt and send it with a claim form.
Emergency
- 1Call 112.
Questions and Links
Short answers and links.
Official Government Resources
Swedish Migration Agency (Sweden's immigration office)
The insurance rule for the residence permit for studies.
Visit Resource →Emergency Contacts
Emergency
112Police, ambulance and fire. The call is free.
Health care advice
1177Call for advice when you feel ill.
Important: Save the local emergency numbers in your phone before you travel.
Frequently Asked Questions
Do I need insurance for my residence permit?
Only if you study for less than one year. Then you need health insurance that covers your whole stay, unless your university insures you.
When does university insurance start?
At Uppsala University, from two weeks before you register to two weeks after the semester ends.
How do I claim for a hospital bill?
Pay the bill yourself. Send the receipt and a claim form (the form to ask for your money back) to the insurer. Or ask the hospital for an invoice and send that. The hospital cannot bill Kammarkollegiet directly.
Does a scholarship include insurance?
No. The Swedish Institute (SI) scholarship does not include insurance.
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