Students

Insurance

It is important that all students have full insurance coverage during their stay in Sweden. This insurance should cover students during school hours and in their free time.

Insurance: Accidents occurring en route to the University

All students at the university are covered by accident insurance while on the university premises and on their way to and from the university. However, very specific definitions apply. It is important that students contact their department in the occurrence of accident or injury. The insurance provider for students at Uppsala University is Kammarkollegietthe Legal, Financial and Administrative Services Agency. Read more about the Personal Injury Insurance policy on the following links:

Filing a claim

If you have to receive treatment, please note that the hospital cannot receive payment directly from Kammarkollegiet. You are required to:

  • pay the hospital bill yourself and send in the receipt to Kammarkollegiet with the filled in claim form, or
  • request an invoice from the hospital and send it to Kammarkollegiet with the filled in claim form.

The claim form must be signed by you and your institution (your contact person at Uppsala University), and sent by regular mail to Kammarkollegiet.

Medical insurance

For Nordic and EU/EEA citizens

If students are covered by insurance from any of the EU/EEA countries, they have access to public medical services in Sweden. However, they must register before leaving for Sweden with a social insurance office in their home country and obtain a European Health Insurance Card. Students must have this card with them when seeking medical or dental care in Sweden.

Students who do not register with the social insurance office must obtain private insurance to cover them during their stay in Sweden. This is best organised from their home country before arriving in Sweden; however, private insurance can sometimes be purchased in Sweden through private insurance companies. It is extremely important that students make sure they are covered by health insurance as medical treatment in Sweden is very expensive without any form of health insurance.

Please note, due to a special agreement between the Nordic countries, Nordic students do not need to have a European Health Insurance Card with them when seeking medical care in Sweden. A form of photo identification and providing their home address will suffice.

Non-EU/EEA citizens with a residence permit valid for at least 12 months

International students with a Swedish residence permit valid for at least 12 months are entitled to receive the same healthcare benefits as Swedish citizens. However, to obtain these privileges students must enter into the population register and receive a personal identity number. To do this, students must visit the Swedish Tax Office, Skatteverket, as soon as they have a permanent address in Sweden.

It can take time to receive a Swedish personal identity number, however, as long as students can provide documents that show they have registered with the Swedish Tax Office they will be covered for medical care. This coverage does not apply during travel to Sweden or the time spent in the country before entering the population register. Therefore, to be fully-covered, students must have additional travel insurance. 

Non-EU/EEA citizens with a residence permit valid less than 12 months

Students with a visa or residence permit valid for a period of less than 12 months are unable to enter the Swedish population register. This means they do not receive automatic access to healthcare benefits. Currently Australia, Algeria, Israel and the province of Quebec in Canada have some form of healthcare agreement with Sweden. However, each agreement has very different conditions and some exclude students. To find out whether your country has such an agreement and the terms of the agreement for these countries, contact your local Social Insurance Office or visit the Swedish Social Insurance Office (Försäkringskassan) for information.

It is important for students who are not covered by such an agreement to arrange private health insurance. This is best organised from their home country before arriving in Sweden; however, private insurance can sometimes be purchased in Sweden through private insurance companies. It is extremely important that students make sure they are covered by health insurance as medical treatment in Sweden is very expensive without any form of health insurance.

Exchange students are also covered by the insurance Student IN. This insurance provides medical and dental coverage, home transport, personal property coverage, third party liability and legal protection. It provides coverage in Sweden or in the Schengen area 24 hours a day, 7 days a week. The deductible is only for personal property coverage and is 1,500 kr. Read more about the Student IN insurance policy on the following links:

Exchange students need to submit their claim form to their contact person at Uppsala University. If your contact person is located within a department make contact with them directly. Exchange students with a contact person in the International Office need to submit the claim for along with original receipts, if applicable, to the Service Centre at The Segerstedt Building, Dag Hammarskjöldsväg 7.

Filing a claim:

Incident/Injury

What should the insured person do?

Emergency medical and dental care

Should the insured person need to seek medical attention or dental care in case of an emergency, they may:

Cover the expense out of pocket and save all receipts for costs regarding to medical/dental care and medicines. The insured person must then, within 3 months of the date of damage/loss, submit an insurance claim to Kammarkollegiet along with all original receipts.

Home transport

If they insured person wants to return home due to illness or accident, they must always contact Kammarkollegiet prior to the return journey.

Damage to or loss of private property

In cases of property damage, the insurance will primarily cover costs of repair. In such cases, contact a repairer and save all receipts. Then submit original receipts for the repairs along with an insurance claim form to Kammarkollegiet. If it is impossible to repair the damage, or in the event of theft, an insurance claim must be submitted to Kammarkollegiet within 3 years of the date the damage/loss occurred. Attach original receipts for the stolen property along with a police report. In the event of damage to or loss of property during transport, the damage or loss must be reported to the transport company.

Liability cover

If the insured person receives a damage claim, they must contact Kammarkollegiet.

Legal expenses cover

If the insured person makes a damage claim against another party, they must contact Kammarkollegiet.

Insurance for fee-paying Master's students

Students who have paid tuition at Uppsala University are insured through the university via an institution called Kammarkollegiet. This does not include students who are citizens or EU/EEA countries and Switzerland, unless they too pay tuition fees. The insurance policy covers accidents, sickness, dental care, emergency home transportation, liability, legal rights, and property. It applies night and day in the Schengen area with the exception of property protection, which applies only in Sweden. Read more about the FAS+ insurance policy on the following links:

Insurance certificate

Kammarkollegiet does not provide an insurance card. However, students can obtain an insurance certificate from Kammarkollegiet by submitting a request to the university.

Filing a claim

If you wish to file an insurance claim, please send an email to masterprogrammes@uu.se for further instructions.

Period of coverage

Insurance is valid from two weeks before students register at Uppsala University to two weeks after the semester has officially ended.

Contact

If you have any questions about insurance please contact your department or send an e-mail to masterprogrammes@uu.se.

Property Insurance

Even if you live in a student room, it is advisable to buy a property insurance policy. The housing company or the Student Nations owning the student housing do not cover theft, loss or damage to your personal belongings. Bicycles have been known to get stolen in Uppsala.