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Insurance for international students

Before you leave your home country, you are advised to inquire about your insurance coverage and read the necessary information in case of illness and injury.

Depending on your citizenship, the length of your studies in Sweden and whether you are an exchange student or a tuition fee-paying student, different regulations apply. 

Personal injury insurance for all students
As a student at the University of Gothenburg, you can receive compensation for injury following an accident during school hours and during direct travel between your place of residence and the University.

European Health Insurance Card for students from an EU/EEA country
The European Health Insurance Card (EHIC) entitles you to access state-provided healthcare at the same cost as Swedish citizens. As a student from an EU/EEA country, you must present your EHIC when you seek medical attention in Sweden.

Student IN for incoming exchange students
Student IN is the Swedish State's insurance for foreign students in Sweden and covers exchange students at the University of Gothenburg.

FAS plus for students who pay tuition fee
FAS plus is the Swedish State’s insurance for fee-paying students.

For questions regarding the Personal injury insurance, Student IN and FAS plus, contact Kammarkollegiet, the Swedish government’s agency providing insurance for students.

Students staying in Sweden for more than a year
All students who are planning to study in Sweden for at least one year must register in the Swedish population register and are then entitled to medical care under the same conditions as Swedish citizens.

Personal injury insurance for all students


All students can claim compensation for a personal injury resulting from:

  • Accidents during school hours;
  • Accidents during direct travel between the home and the place where the school hours are spent.

 

The insurance covers, among other things, medical care, medication, as well as pain, suffering and medical disability caused by an accident.
For each damage event, the insurance deductible* is SEK 500.

To report an injury you need to complete a claim form. The claim form must be signed by you and the coordinator at your department. The claim form for personal injury can be found here.
For a complete overview of the terms and conditions of the Personal injury insurance, go to Kammarkollegiet’s website.

Please note that you also need to report the injury-causing accident to the following authorities:

  • The head of your department at the University;
  • The Swedish Social Insurance Agency (Försäkringskassan).

Accident report form

This form is in Swedish. The head of your department needs to sign it and can also help you fill it out.

European Health Insurance Card for students from an EU/EEA country


Before leaving your home country, make sure to apply for a European Health Insurance Card (EHIC) and bring it with you to Sweden. Showing your EHIC when seeking medical treatment entitles you to the same patient fees as any permanent Swedish resident would pay.

The EHIC covers emergency and necessary medical care. When you visit a doctor, you need to show your EHIC. To find out what types of treatments are covered by the EHIC, click here.

Check here for more information regarding the EHIC, including:

  • How to apply for the EHIC in your home country.
  • What you should do if you cannot be issued an EHIC.

Students from the Nordic countries
Students from Denmark, Finland, Iceland and Norway do not need to show their EHIC. All they need to do in order to pay the same patient fees as any Swedish citizen would pay is show their ID card or passport and provide their address in their home country. 

Student IN for incoming exchange students


Exchange students are covered by the Student IN insurance. This insurance covers:

  • Emergency medical care in case of illness or accident.
  • Emergency dental care (pain and infection relief, provisional filling of cavities and ensuring a functional biting area).
  • Disability and death benefits.
  • Home transport in case of serious illness, extensive personal injury or death.
  • Property damage or loss (only in Sweden), i.e. compensation is paid for any damage to, or loss of, personal property up to SEK 20 000. The insurance deductible* for property claims is SEK 1 500.
  • Liability and legal expenses.

For a complete overview of what Student IN covers, including limitations, please visit Kammarkollegiet’s website.

Student IN applies:

  • 24 hours a day during your study period in Sweden as well as two weeks prior to the start and two weeks after the end of that study period.
  • During direct travel between the home country and Sweden.
  • During the summer, provided that your studies in Sweden continue after the summer.
  • In the Schengen region, provided that you hold a Schengen visa issued by a Swedish mission abroad.

Please note that this insurance does not apply if you are entitled to compensation from another insurance policy. For instance, Student IN does not apply:

  • For an accident that is covered by the Personal injury insurance.
  • For students covered by the EHIC.

FAS plus  for students who pay tuition 


Students who are required to pay tuition fees, including students who are granted a scholarship, are covered by FAS plus. This insurance covers:

  • Emergency medical care in case of illness or accident.
  • Emergency dental care (pain and infection relief, provisional filling of cavities and ensuring a functional biting area).
  • Disability and death benefits.
  • Home transport in case of serious illness, extensive personal injury or death.
  • Property damage or loss (only in Sweden), i.e. compensation is paid for any damage to, or loss of, personal property up to SEK 20 000. The insurance deductible* for property claims is SEK 1 500.
  • Liability and legal expenses.

For a complete overview of what FAS plus covers, including limitations, please visit Kammarkollegiet’s website.

FAS plus applies: 

  • 24 hours a day during your study period in Sweden as well as two weeks prior to the start and two weeks after the end of that study period.
  • During holidays, provided that your studies in Sweden continue after the holidays.
  • In the Schengen region, provided that you hold a Schengen visa issued by a Swedish mission abroad.

 

Please note that this insurance does not apply if you are entitled to compensation from another insurance policy. For instance, an accident that is covered by the Personal injury insurance will not be covered by FAS plus.

Students staying in Sweden for over a year


All students who are planning to study in Sweden for at least one year must register in the Swedish population register and are then entitled to medical care under the same conditions as permanent Swedish residents. You register once you arrive in Sweden. You will then be issued a personal identity number, or personnummer.

From the moment you apply for a personnummer, you are entitled to medical care (emergency or planned medical treatment) under the same terms and conditions as for permanent Swedish residents. For more information, check 1177.

We strongly recommend that you arrange insurance coverage for your travels to Sweden and for the time until you apply for a personnummer, as medical treatment can be very expensive without any insurance.


 

*Insurance deductible is the expense you have to pay out-of-pocket before the insurance company will cover the remaining costs

Page Manager: Welcome Services|Last update: 3/27/2017
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