Health insurance in Sweden
This information is for EU/EEA citizens only
The extent of health insurance
You can get assistance with:
- medical treatment
- other treatment, for example, physiotherapy
- hospital treatment
- dental care
- patient transport
In many workplaces, employees are also covered by a collective insurance that provides additional protection. You can also choose to take out private personal insurance, either alone or as part of a group.
In Sweden, you pay a patient charge for treatment in the public healthcare system. Prices are determined by the individual regions. However, there is an upper limit on how much you can get over a 12-month period (1.150 SEK in 2020). Then you get a personal allowance, entitling you to free treatment for the rest of the period. The maximum limit is called “high-cost protection” (högkostnadsskydd).
Subsidy funding for medical aids
All people who work in Sweden are also entitled to high-cost protection when it comes to medicine. It is a system similar to the Danish system of discounts and a maximum limit on how much an individual has to pay. In Sweden, the maximum is 2.350 SEK (2020) per year.
High-cost protection applies to most prescription drugs and assistive aids such as: birth control pills, aids for ostomy, etc.
When you buy prescription medicines, you get a card that the chemist records all purchases on. This ensures that you get the right discount every time.