The public system covers doctor visits, hospital care, emergency treatment, maternity care, pediatric care, mental health, and basic prescriptions. Dental care for children is free, but dental care for adults is limited and may require extra payment or supplementary insurance.

Healthcare is largely funded via taxes. Patients pay small co-payments, capped per year. For example, a GP visit typically costs SEK 200–300; hospital stays incur a daily fee. Prescription costs are heavily subsidized, with an annual limit on out-of-pocket costs.

Public insurance ensures access for all legal residents, is affordable, covers a wide range of services, and limits out-of-pocket expenses.

Possible long waiting times for certain procedures; fewer choices of providers; limited coverage for dental and aesthetic treatments.

You do not need to choose a public insurer; coverage is automatic when you are registered with the Swedish Population Register and receive a personal ID number.

Private insurance typically covers faster access to specialists, private clinics, elective surgeries, and sometimes extended dental or vision care services.

Premiums vary but are generally several thousand SEK per year. Some employers offer group plans. The cost depends on age, health, and coverage.

Shorter waiting times, more flexibility in choosing providers and appointment times, access to private clinics with extra comforts.

Not a substitute for public coverage—may be expensive, usually excludes emergency care, and often only covers specific conditions.

Available to residents; some policies available to non-residents or expats. Pre-existing conditions may be excluded.

Compare policies for coverage, waiting period, costs, exclusions, and reputation. Employer-sponsored policies may offer better value.

Expat health insurance plans are designed for newcomers who do not yet qualify for the public system. They usually offer comprehensive coverage for emergencies, outpatient care, and repatriation, filling the gap until you become a registered resident.

Expat insurance is a temporary solution, usually more costly with fewer local benefits than public insurance. Private Swedish insurance can be restrictive for non-residents.

Expat insurance is more comprehensive and designed for long stays, while travel insurance covers only emergencies and is limited in scope and duration.

Expat insurance is not a replacement for joining the public system. For long-term security and full access to care, register for public coverage as soon as eligible.

Some companies and universities offer specific group insurance schemes. Special arrangements are available for asylum seekers and certain exchange programs.

EU and EEA citizens can use their European Health Insurance Card (EHIC) for emergency care if visiting temporarily, but should register for Swedish coverage when residing long-term.

Sweden does not have a specific artists’ or freelancers’ health insurance scheme like Germany's KSK. Freelancers and self-employed must register for public insurance via Försäkringskassan.

1. Apply for a personal ID number. 2. Register with Försäkringskassan. 3. Confirm public health coverage status. 4. Consider supplementary private insurance if needed. 5. Keep your insurance records updated.

Contact 1177 Vårdguiden for medical guidance in English or Swedish. Försäkringskassan provides help with insurance registration. Local healthcare centers can assist in-person.