Insurance for international students
You need to review your insurance coverage before arriving in Sweden. Depending on your citizenship there are different things you need to consider to be fully covered. Be sure to read in carefully on what applies to you.
Insurance during school hours
All students in Sweden, regardless of nationality, are covered by the Swedish State's Insurance for students at Swedish universities through Kammarkollegiet. The insurance is an accident insurance that applies if you have an accident and suffer a bodily injury during school hours plus while travelling to and from the school.
Insurance for university students in Sweden on Kammarkollegiet's website
Home insurance
We strongly advise all students regardless of nationality or length of stay to take out home insurance (in Swedish: hemförsäkring) for your stay in Stockholm. As a tenant you will be responsible if anything gets damaged or stolen from your student room or flat during your rental period.
If you are eligible for a Swedish Personal Number, you may take out home insurance through any Swedish insurance company once you have received your number.
Health insurance
Nordic, EU/EEA, UK, or Swiss citizens
As an EU/EEA, UK, or Swiss citizen you should register with the social insurance office in your home country to obtain the European Health Insurance card (EHIC) (or GHIC for the UK). Be sure to bring your EHIC card to Sweden, and check that it's valid throughout your stay in Sweden. If you are from Finland, Denmark, Norway or Iceland, a valid ID and home address will suffice.
With the European Health Insurance Card, you are entitled to emergency and medically necessary, state-provided healthcare on the same financial terms as Swedish residents. Medically necessary care includes medical and dental care that cannot wait until you return to your home country and can therefore vary depending on the length of your stay. The benefits covered include, for example, benefits provided in conjunction with chronic or existing illnesses.
You should also apply for a Swedish personal number to be entitled to regular healthcare at the same subsidised patient fees as Swedes.
If you are a student with dual citizenship
If you have dual citizenship from EU/EES and another country, check if you are entitled to the EHIC card and obtain it before your arrival in Sweden. If you are not entitled to the EHIC card, you must get your own private health insurance to avoid high fees if you need to seek healthcare before you have a Swedish personal identity number.
Non-EU/EEA citizens
As a fee-paying student at Karolinska Institutet you are automatically covered by the FASplus health insurance with property cover through Kammarkollegiet, as soon as you have paid the first instalment of your tuition fee.
FASplus only cover emergency medical and dental care. You should also apply for a Swedish personal number to be entitled to regular healthcare at the same subsidised patient fees as Swedes.
Insurance coverage with FASplus
The FASplus insurance applies:
- 24 hours a day, 7 days a week in Sweden.
- during the journey between your home country and Sweden, during the entire period of studies and two weeks before the start of the studies and two weeks after the conclusion of the studies
- during the summer school break, if you continue to study at the University after the summer break.
Be sure to read the FAS plus Terms and Conditions to know precisely how you are covered.
How to submit a claim with FASplus
If you need to seek emergency medical or dental care, you will need to pay for the treatment yourself and later fill out a claim form to be reimbursed by Kammarkollegiet.
- Download the claim form on Kammarkollegiet's website.
- Fill out the form and send it to tuitionfees@ki.se to get a signature from KI.
- Send your signed and completed form and any receipts you would like to seek compensation for to forsakring@kammarkollegiet.se.