Insurance

All students in Sweden are covered by the Swedish state’s general personal injury insurance provided by “Kammarkollegiet”. The insurance protects you during class, when traveling to and from school, and even during online studies if the accident is directly linked to your studies. Karlstad University strongly recommends students to look over their insurance coverage depending on your student status and consider 

General insurance for university students in Sweden                      

Tuition-paying students (Non-EU/EEA/Switzerland)

All tuition-fee-paying students at Karlstad University are covered by FAS+ insurance, provided by Kammarkollegiet. The insurance offers 24-hour coverage during your studies in Sweden and includes:

• Emergency medical and dental care
• Personal property (with a deductible)
• Liability and legal expenses
• Emergency repatriation to your home country

Please note that routine medical care and pre-existing conditions are not covered. We recommend that you also have additional travel or home insurance for complete protection. You should apply for a Swedish personal number (“personnummer”) to be entitled to regular healthcare at the same subsidised patient fees as Swedish residents.

The FAS+ insurance is valid:

• 24 hours a day during your registered study period at Karlstad University (as recorded in LADOK)
• For two weeks before and two weeks after the study period
• During direct travel to and from your home country

The FAS+ insurance is recognized by the Swedish Migration Agency as a comprehensive health insurance policy for tuition-paying students. When applying for your residence permit, you can use your Notification of Selection Results (downloadable from www.universityadmissions.se) as proof of insurance coverage.

Learn more about the terms and conditions here
How to apply for a Swedish Personal Identity number (länka till sidan om personnummer)

Students from EU/EEA/Switzerland

Students from the EU/EEA and Switzerland are entitled to emergency and medically necessary, state-provided healthcare. To make use of this, you should:

• Apply for a European Health Insurance Card (EHIC) in your home country before arriving in Sweden.
• Apply for a Swedish personal number (“personnummer”) if your stay is longer than one year, which will allow you to access regular healthcare at the same subsidised patient fees as Swedish residents.

While public healthcare covers most medical needs, we strongly recommend additional travel or home insurance to protect your personal belongings, cover liability for accidental damage, and provide support during travel between Sweden and your home country.

How to apply for a European Health Insurance Card (EHIC)
How to apply for a Swedish Personal Identity number (länka till sidan om personnummer)

Exchange students

All exchange students at Karlstad University are covered by Student IN insurance, provided by Kammarkollegiet. The insurance offers 24-hour protection during your exchange studies in Sweden and includes:

• Emergency medical and dental care
• Personal property (with a deductible)
• Liability and legal expenses
• Emergency repatriation to your home country

Please note that routine medical care and pre-existing conditions are not covered. We recommend that you also take out additional travel or home insurance for complete protection during your stay.

The Student IN insurance is valid:

• 24 hours a day during your registered exchange period at Karlstad University
• For two weeks before and two weeks after the study period
• During direct travel to and from your home country

Learn more about terms and conditions here

How to submit a claim

Keep in mind that if you seek compensation for expenses that you have incurred, you will need to submit the receipts. You may also need to submit a medical and or police report of applicable. Claims must be submitted within three years from the date of the incident.

1. Fill out the claim form provided by Kammarkollegiet, print it and sign it.
2. Send the signed claim form to international@kau.se for verification of student status and signage.
3. Submit the claim to Kammarkollegiet. Mail or email the completed claim form along with all receipts and supporting documents to the address or email listed on the insurance claim form.

Questions?
Contact the International Office at international@kau.se for help with your insurance coverage or the claims process.

Claim form personal injury insurance for university students in Sweden

Claim form for tuition-paying students (FAS+)

Claim form for exchange students
 

Home insurance

We recommend that all students, no matter your nationality or how long you plan to stay, get home insurance (“hemförsäkring”) for the duration of your studies in Sweden. As a tenant, you are responsible for any damage or loss that occurs in your student accommodation during your rental period.

If you have a Swedish personal identity number (“personnummer”), you can arrange home insurance through most Swedish insurance providers once you have received your number. 

Exchange students are covered by Kammarkollegiet’s Student IN insurance, which includes limited liability protection. However, it’s still a good idea to have your own home insurance for complete coverage. You may also want to check if your travel insurance or insurance from your home country already covers your stay abroad.