Insurance for international staff
Insurance for employees
Just to complicate things further, there are insurance rules for employees and others for scholarship holders:
Coming to Sweden
If you are planning to stay for 365 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).
Employees who will not be registered as resident and employees waiting to be registered as resident
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 GIF insurance 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 GIF (Swedish State Group Insurance and Personal Insurance) does not cover planned care, parental care and maternity care.
If you have a valid Schengen visa (90 days), GIF also applies when travelling within the Schengen area.
You may wish to supplement your insurance cover with other private insurance policies, e.g. home insurance, please see below.
Once registered as a resident
Once an employee is registered as resident in Sweden, GIF ceases to apply. You will then receive full subsidised Swedish health care and only pay patient fees.
Occupational injury insurance
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.
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.
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:
Contact your line manager or the human resources officer within your department/faculty or equivalent.