Personal injury insurance for all students

University students in Sweden are covered by an accident insurance from Kammarkollegiet, that applies if you have an accident and suffer a bodily injury.

It is valid in Sweden and includes accidents that occur during school hours and while traveling directly between your residence and the University. For example, the insurance can cover medical treatment costs and compensate you for lost of earnings if you are unable to work because of the injury. However, the insurance does not cover property damage.

Need to report an injury?

To report an injury you need to complete a claim form, which you can download on Kammarkollegiets' web. The claim form must be signed by you and the coordinator at your department.

Please note that you also need to report the injury-causing accident to the following authorities the head of your department at the University and the Swedish Social Insurance Agency (Försäkringskassan).

For a complete overview of the terms and conditions, or to download the claim form, visit Kammarkollegiet’s information about the insurance for university students in Sweden.

You are not automatically insured at home, even while studying. 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.

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 directly.

The European Commissions information about EHIC, including:

  • How to apply for the EHIC in your home country.
  • What you should do if you cannot be issued an EHIC.
  • What types of treatments are covered by the EHIC.

EHIC for 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 automatically 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.

Kammarkollegiet's information of what Student IN covers, including limitations

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 the same claim. This means that students have insurance cover at all times, but which insurance is applicable depends on the context. 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 automatically covered by FAS plus (FAS +). 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.

Visit Kammarkollegiet’s website for a complete overview of what FAS plus covers, including limitations.

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.

Personal identity numbers and coordination numbers infromation from the Swedish Tax Agency

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 about the terms and conditions, check Rules and rights on 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.