The healthcare system is funded out of taxes, and the Swedish have the highest GDP spend in Europe on healthcare, at just over 11%. Only a small amount of funding comes from patient fees.
Everyone is eligible for treatment under the Swedish system (Försäkringskassan), but you may find that you have to pay a small amount for some services; for example, you might need to pay about 200 kr (the equivalent of €18) to see your doctor.
As with other nations, an increasingly ageing population is putting strain on healthcare and the repercussions of this are shown in longer waiting times.
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If you are planning to move to Sweden, and are intending to be resident there for more than one year, you may need to prove to the authorities that you have some private cover to protect you in the time that it takes to get you registered and to set up your Swedish ID number (your ‘personnummer’).
If you are coming from the EU, your EHIC card will entitle you to the same treatment as a Swedish citizen.
If you are not from the EU, and you are going to be staying for less than a year, you will not be eligible for an ID number and will therefore not be entitled to healthcare either. In this case, you might need to take out private cover, depending on whether your home nation has a reciprocal medical agreement with Sweden.
You won’t need to undergo any formal application process, whether through your workplace or if you are self-employed, as everyone is covered under Sweden’s healthcare system, whether native-born or expat.
Treatment under the Swedish system is comprehensive and you will find that as an expat you are entitled to:
Other forms of treatment may require private health insurance cover.
Yes, retirees are covered under the national scheme, provided that they register.
Students from the EU, EAA or other Nordic countries will be covered if they have an EHIC card.
International students from outside these areas will be eligible for national health insurance if they are staying in Sweden for over a year. If you are in this category and will be in the country for less than 12 months, you will not be eligible for an ID number and thus will need private cover. However, check whether your country has a reciprocal health agreement with Sweden, in which case you will be covered as long as you take your passport and a certificate from your own country’s social security department when seeking treatment.
You may also be able to sign up to Kammarkollegiet’s FAS plan for overseas students, which will allow you access to the national system and entitles you to:
The scheme is free of charge.
Yes, your family will be covered under the state scheme as long as they are registered and have personal ID numbers.
Basic dental care is covered by the national insurance as follows:
Private health insurance may be required to cover more advanced or complicated dental procedures.
Contributions will be taken directly from your salary.
Because the national system is so comprehensive, only around 10% of Swedes take out private cover, and this is mainly to speed up access to treatment. The system prioritizes emergency cases and says that it tries to keep waiting times within seven days for an appointment at a healthcare centre, and no longer than 90 days to see a specialist. Records suggest that the latter policy is working with nearly 80% of patients.
Some companies have arrangements with private health insurers, so check with your workplace to see if this is the case.
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Private health insurance gives you access to the same range of medical treatment as you will find under the state system.
Numerous variables can have an impact on the cost of private health insurance in Sweden.
The most important variables are:
Other variables include:
As so many variables have an effect on the cost of private medical insurance in Sweden it becomes very difficult to give accurate estimates without knowing the full details of the coverage required. However, as a very rough guide, using a standard profile of a 40 year old British male with no deductibles, no co-insurance, a middle tier plan/product, all modules included and worldwide coverage excluding the US, a ballpark price of around £4,000/$5,000 might be expected. Were coverage to be expanded to include the US then the premium could increase to almost double that amount.
The following providers operate in Sweden:
International Health Insurance Denmark have offices in Copenhagen, but cover Sweden as well, if you are looking for more local private cover.
doktorer - doctors
hälsoförsäkring - health insurance
Jag har ett EHIC-kort - I have an EHIC card
privat sjukförsäkring - private health insurance
specialist i… - specialist in