Insurance for international students
You need to review your insurance coverage – before arriving in Sweden! We strongly recommend that you are at least covered by health insurance and home insurance. Depending on your citizenship, you might be partially covered by your home country or our collective insurance policy.
Insurance during school hours
All students in Sweden, regardless of nationality, are covered by a personal injury insurance (the general student insurance), through the Swedish Legal, Financial and Administrative Services Agency (Kammarkollegiet). The insurance applies in Sweden during school hours and during travel to and from the location where school hours are spent.
Insurance during leisure time
Nordic and EU/EEA citizens
Students from EU/EEA countries should register with their social insurance office in their home country, in order to obtain the European Health Insurance card (EHIC). With the European Health Insurance card you are entitled to health care in Sweden on the same conditions as Swedish citizens.
If you are from Finland, Denmark, Norway or Iceland an ID document will suffice. In addition to health insurance, students are advised to take out insurance covering their personal belongings and a liability cover.
In addition to a health insurance we strongly advise you to take out home insurance (hemförsäkring) for your stay in Stockholm. If anything is stolen from your student room or flat, or if any property is damaged or lost during your rental period, you are responsible for covering the repair or replacement costs. The dentist insurance is also only covered up to 3000 SEK, above that you have to pay from your own pocket or add your own additional dentist insurance.
If you have a residence permit for studies in Sweden for at least 12 months, you can register in Sweden and receive a Swedish personal identity number. With a Swedish personal identity number, you may take out home insurance through any Swedish insurance company.
Karolinska Institutet has subscribed to health insurance with property cover for all fee paying students through Kammarkollegiet. The insurance is called Swedish State Insurance for Fee-Paying Students (abbreviated “FAS plus”).
FAS plus applies 24-hours a day in Sweden from two weeks prior to your studies until two weeks after – including summer holidays as long as you will be continuing your studies at KI afterwards.
A bit simplified, FAS plus covers these areas:
- Emergency health and dental care
- Home transport in case of serious illness
- Damage or loss of property
- Legal expenses
The dentist insurance is also only covered up to 3000 SEK, above that you have to pay from your own pocket or add your own additional dentist insurance.
For most fee-paying students, this will be all the insurance coverage you need while you study in Sweden. However, if you are a fee-paying student and thus covered by FAS plus, make sure you read the FAS plus Terms and Conditions to know exactly how you are covered and if this is sufficient for you.
A certificate of the policy will be sent out after the first instalment has reached Karolinska Institutet.