Andrei Neculau

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Health Insurance

Although you do get benefits from the Swedish Healthcare after registering as a resident in Sweden (getting a personnummer), I’m not 100% certain that you would be ok with just that, since prices are quite high in Sweden anyway.

Therefore a private insurance should be in place. You can buy one in Sweden as well, after your arrival, but those will probably be more expensive than one that you buy in your own country.

There are two types of private insurance that you can find - one is a regular medical insurance for traveling which covers among others also medical needs (usually limited), and one that is a medical insurance for people working or studying abroad.

I wrote a small entry with a comparison between the two types at a Romanian insurance company.

For EU citizens only: The European Health Insurance Card is not going to may or may not cover your stay in Sweden. Why? For one thing, the EHICs (at least the ones issued in Romania) are only valid for 6 months, and secondly, the Romanian authorities request a certificate that you’re a student, or that you are employed. Plus, then there’s a whole discussion around the contribution to the national health insurance system, etc. Basically they will say that I’m not a contributor to the system, therefore the insurance is void. That may very well go for cards valid for a long period. That being said, since I can’t manage all of that while being in Sweden, I bought a regular medical insurance for 100€. A similar one bought in Sweden costs around 300€, so plan ahead! Other EU countries though give EHICs valid for a long time. So far, Migrationsverket didn’t give a positive answer on that, but former EU students said that using EHIC works.

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