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Insurance

All incoming students to the University of Borås are covered by a health insurance either through the university, Swedish social insurance or European social insurance.

Even if you are not required to have a private health insurance there are some things that the social insurances or the university's insurances do not cover. Therefore it is recommended to check if you need to obtain an additional insurance yourself. 

Health insurance at the university during school hours

All students in Sweden are currently covered by the personal injury insurance that is obtained on behalf of universities and colleges within the State insurance system by the Central Student Grants Committee. The insurance applies in Sweden during school hours and during travel to and from the location where school hours are spent.

Students from the EU/EEA or Switzerland

Students from the EU/EAA or Switzerland should register for an European Health Insurance Card from their Social Insurance office. The Card will grant you health care on the same terms as Swedish citizens, if the treatment becomes necessary during your stay in Sweden. It does not cover care which can be delayed until you return home, such as some types of dental treatment. Note that dental care is subsidized, but not free. 

The European Health Insurance Card does not cover property or losses from burglary, robbery, and other theft. Students should get a private insurance (for example a travel insurance from your home country) to cover this.

Exchange students from outside the EU/EEA

The University of Borås provides exchange students from partner universities outside the EU/EEA with an insurance called Student IN. It can also be offered to exchange students from within the EU/EEA who can demonstrate that they are not entitled to a European Health Insurance Card in their home country. The insurance grants you free medical treatment, including dental care for up to 3000 SEK/year, if the treatment becomes necessary during your stay in Sweden. The International Office will help you to fill out the claim form if treatment gets necessary.

For further information, please read the Terms and Conditions Student IN (PDF).

Fee-paying students

Students liable to pay tuition fees as well as students with scholarship from the University of Borås are insured by the university through the insurance FAS+. In order to obtain a residence permit you need to show that you have a comprehensive health insurance that covers the whole period you are in Sweden. You will receive an insurance certificate from the International Office when the first instalment of your tuition fee has been paid.

The insurance includes medical care, emergency dental care (up to 3000 SEK/year), home transport cover, accident cover, property cover, liability cover as well as legal expenses cover. The insurance cover applies 24 hours a day in the Schengen region whereas property cover only applies in Sweden. The International  Office will help you to fill out the claim form if treatment becomes necessary.

For further information, please read the Terms and Conditions FAS+ (PDF).

 

Students admitted to studies for 2 or 3 years

Students with admission to a programme that will go on for over 12 months can register for a Swedish personal identity number at the Swedish Tax Agency. This gives them the right to the same free health care as Swedish citizens. Note that this right only exists after creating such a number. Since it can take a couple of weeks for the personal identity number to be issued, the student needs to be insured by a separate health insurance until then.

For fee-paying students given the insurance FAS+, emergency dental care is covered for up to 3000 SEK/year. Costs exceeding this amount have to be covered by you. Alternatively you can arrange an additional private insurance.

Swedish social insurance does not cover property or losses from burglary, robbery, and other theft. Students should get a private insurance (for example a travel insurance from your home country) to cover this.

Swedish Institute scholarship holders

Swedish Institute scholarship holders are insured by the Swedish State Group Insurance against illness and accident during the scholarship period. Contact the Swedish Institute if you have questions or need to be reimbursed for medical costs.

Property insurance

The University recommends all students that are not covered by FAS+ to individually purchase property insurance (in Swedish "hemförsäkring") from a Swedish or international insurance company. Personal property refers to everything that you own, e.g. clothing, mobile phones, computers, cameras etc. The insurance should also cover liability, legal expenses and travel insurance. 

To be able to obtain property insurance in Sweden students need to have a Swedish personal identity number. If you do not have this number you need to turn to an international insurance company or one in your home country.

A few alternatives on Swedish insurance companies offering property insurance are listed below: