Health insurance in Sweden

Last updated 6/27/2022
The Swedish health insurance ("sjukförsäkring") pays for treatment for anyone working or living in Sweden. However, you must pay a small part of the cost yourself, the so-called patient charge.

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
  • medicine
  • dental care
  • patient transport

In many workplaces, employees are also covered by collective insurance that provides additional protection. You can also choose to take out private personal insurance, either alone or as part of a group.


Patient charges

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 12 months (1.200 SEK in 2022). 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 2.400 SEK (2022) 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.

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We can help you

You can always visit our Information Center in Malmø to get help with your questions regarding working, moving or studying in Sweden.


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