The insurance you are provided with while studying in Sweden depends on your citizenship, whether or not you are an exchange student and when you started your studies at Malmö University. Please find a link to the full terms and conditions and further information on the university website.

EU/EEA students

Regardless of whether you're an exchange student or an international student, if you are an EU/EEA citizen, you are covered for emergency medical and dental care through your blue European Health Insurance Card (EHIC). It is important to bring your card with you to Sweden—if you do not provide your card during a medical visit, you may be charged for the full cost of the health care.

Non-EU/EEA students

If you are a citizen of a country outside of the EU/EEA, you are insured through the Swedish public agency Kammarkollegiet. Remember to bring you insurance certificate that was emailed to you when you visit the doctor. If you have any questions regarding the terms and conditions or what is covered by your insurance, please contact Kammarkollegiet directly. Please note that you might need additional insurance if you do not travel directly from your home country to Malmö.

Exchange students

Incoming exchange students from outside of the EU/EEA are covered through the Swedish State’s Insurance for Foreign Students in Sweden (Student IN insurance). You can find information about the terms and conditions of the Student IN insurance, including what is covered, as well as submit a claim here.

Tuition-paying students

If you are a tuition-paying student, you are covered through Swedish State’s Insurance for Fee-Paying Students (FAS insurance). You can find information about the terms and conditions of the FAS insurance, including what is covered, as well as submit a claim here.

If you are staying for more than a year

If you are a tuition-paying student and will be living in Sweden for more than a year, you can apply for a Swedish personal identity number (personnummer) which will entitle you to the same health care coverage as Swedish citizens. Even though you're still covered by FAS, you should apply for the personnummer if you're eligible because you will be covered for far more than what is offered by FAS. You can read more about how the Swedish health care system works here.

Home insurance

We strongly advise you to have a personal insurance policy for your home and private belongings. Home insurance (hemförsäkring) is often required in the rental contracts for apartments. Check with your insurance company in your home country whether your insurance is valid in Sweden; if it is not, contact a Swedish insurance company for more information.