Insurance for international staff
Here we provide information relevant for international staff not (yet) residents in Sweden. Please note that the insurance rules are different for employees and scholarship holders.
Content on this page:
- Insurance for employees
- Coming to Sweden
- Employees who will not be registered as resident and employees waiting to be registered as resident
- Once registered as a resident
- Occupational injury insurance
- Business travel
- Life insurance
- Private insurance
As an employee of Lund University, you are covered by various insurances, both on or on the way to your workplace, but also during business travels.
Just to complicate things further, there are insurance rules for employees and others for scholarship holders.
If you are planning to stay for 366 days or longer in Sweden, you must apply to the Swedish Tax Agency (Skatteverket) on arrival to be registered as a resident in Sweden (folkbokföring). Registration requires a permanent address in Sweden; you will receive a Swedish personal identity number (personnummer).
Health care in Sweden
Before an employee has been registered as a resident and received a personal identity number:
Citizens of the EU/EEA and Switzerland must bring an EHIC (European Health Insurance Card) in order to obtain subsidised health care (only paying patient fees (patientavgift).
If an individual does not have a valid EHIC, or comes from outside the EU/EEA and Switzerland, emergency health care is automatically covered under the Insurance for foreign visitors' policy, which covers you and your family.
This means that during this time you will receive emergency health care in Sweden free of charge. When you visit the health service, you should either pay or request an invoice for the cost, made out to you. The receipt/invoice and claim form (signed by your head of department) should then be sent to Kammarkollegiet.
Please note that Insurance for foreign visitors does not cover planned care, immunizations or maternity care.
If you have a valid Schengen visa (90 days), Insurance for foreign visitors also applies when travelling within the Schengen area.
You need to supplement your insurance cover with other private insurance policies, e.g. home insurance, please see below.
Once an employee is registered as resident in Sweden, Insurance for foreign visitors ceases to apply. You will then receive full subsidised Swedish health care and only pay patient fees.
As a university employee, you are automatically insured against injury while at work and while travelling to and from work through the occupational injury insurance policy, AFA. If you are injured, contact the health and safety representative (skyddsombud) at your place of work.
On business trips, you are automatically covered by the University’s business travel insurance, Tjänsteresförsäkring. Take your insurance certificate (available from your department) with you when you travel.
If your trip is not approved and funded by the University, the department should arrange individual travel insurance.
Take your insurance certificate available from your department with you when you travel.
You also have an automatic life insurance policy which is paid out if you die.
These work-related insurance policies only apply to you and not to your family. Make sure you take out private insurance policies, e.g. home insurance and travel insurance for private travels.
Non-European citizens or European citizens who do not have a European Health Insurance Card (EHIC) can apply for an EHIC from Försäkringskassan for travel to another EU or EEA country or Switzerland:
If you cannot find what you are looking for on this webpage, you can ask the HR Division a question via the case management system, which is reached via the page Find the right HR information and support on the HR website.
Contact your line manager or the HR officer at your organisational unit if you have any questions concerning employment or your organisational unit’s procedures for HR/staff matters.