Healthcare insurance Sweden 

Healthcare in Sweden is of high quality and largely publicly funded through taxes. Everyone living or working in Sweden has to be insured with Försäkringskassan, the Swedish social security authority. 

Important information: 

• You need a personal identity number to be able to use public healthcare 
• Care usually starts at a Vårdcentral (local medical centre). If necessary, you’ll be referred to a specialist or hospital 
• You always pay a personal contribution per treatment 
• The public healthcare system is well regulated, but waiting times can be long. With private health insurance like OOM Healthcare insurance, you have the certainty of being able to get to a specialist or private clinic sooner 

You can apply for a personal identity number with the Swedish Tax Agency (Skatteverket). Once you have a personal number, you can register with Försäkringskassan and use healthcare services. 

In some cases, you need healthcare insurance to apply for a personal identity number. OOM Healthcare insurance is often suitable for this process. 

Our insurance meets the requirements of the Swedish Tax Agency (Skatteverket), but the decision always lies with the Swedish institutions. The approach can differ per municipality and is subject to change. 

• The Försäkringskassan covers your healthcare costs, such as for doctors, specialists, dentists and medication  
• Remember, care isn’t completely free. You need to pay a personal contribution per treatment. However, there’s a maximum per year 
• Children and young people under 20 usually get free care, but this varies per region 
• Bear in mind the potential waiting times for care

• Försäkringskassan: The Swedish social security agency that regulates public health insurance 
• Skatteverket: The Swedish Tax Agency, where you apply for your personal identity number 
• Vårdcentral: The Swedish version of a general practice or medical centre. If you need care, always contact your Vårdcentral first 
• You’ll find all the information you need on the English website 1177.se, so you’ll know where to go to for care 

If you remain registered in the Netherlands, your Dutch national health insurance will cover emergency care anywhere in the world up to a maximum of the cost in the Netherlands. Dutch national health insurance generally doesn’t reimburse the cost of repatriation or evacuation in the case of illness or an accident.  If you’re no longer registered in the Netherlands, you’re no longer entitled to Dutch national health insurance and you must arrange your own insurance.  

Healthcare in Sweden can be quite different to what you’re used to in the Netherlands. Not every country has national health insurance, there may be strict rules and waiting times may apply. Healthcare costs can also be much higher than in the Netherlands. Without proper cover, this can leave you with unexpectedly high bills. 

With OOM, you don't have to worry. We’ll make sure everything is properly taken care of. 

We’re here for people with extraordinary stories, who want to be well insured. We always offer a solution that will suit your situation during your stay in Sweden. 

Our healthcare insurance gives you certainty when Dutch national health insurance no longer applies or doesn’t provide sufficient cover. Your OOM insurance can also serve as a supplement to local insurance in Sweden. Providing you with proper cover for costs outside your local policy. This is especially important in a country where the rules are different to in the Netherlands, or healthcare costs can be unexpectedly high. 

With OOM Healthcare insurance you can: 

• Insure yourself while staying abroad: If your Dutch national health insurance expires and you can’t or don’t want to use the local healthcare system, our international healthcare insurance provides you with the certainty you’re looking for
• Insure yourself while you wait for your local insurance to come through
• Get additional insurance if your Dutch national health insurance or local public insurance are not enough

OOM's insurance is for anyone who wants to be properly insured in Sweden. Whether you’re only staying abroad temporarily or permanently emigrating. Our solutions suit different situations, such as: 

• Expats and entrepreneurs going to Sweden for work, or who need insurance to be able to register locally
• Dutch nationals who do not have, or who are no longer entitled to Dutch national health insurance 
• Students and travellers temporarily staying in Sweden
• Emigrants permanently settling in Sweden
• Backpackers or global travellers who want to avoid unexpected costs during their adventure in Sweden

OOM provides worldwide cover and helps you avoid unexpected bills. This is reassuring in a country where healthcare is regulated differently than in the Netherlands. 

Choosing OOM means choosing certainty that travels with you. Wherever you are in the world:

• Worldwide cover: Including if you visit the Netherlands or travel while living abroad
• Always available: Our Assistance Centre is available 24/7
• Tailor-made: You choose the cover that best suits your situation
• Extra certainty: Supplement your insurance easily with additional options, such as household contents, personal accident or liability insurance

With OOM you can arrange your own healthcare insurance quickly and effectively. Helping you focus on your plans in Sweden, without unexpected worries.

Do you want to start your adventure without worry? You can calculate your premium easily online and apply for your insurance immediately. If you’ve any questions, our team will be happy to help you.

According to the Dutch Ministry of Foreign Affairs site Netherlands Worldwide (in Dutch), Sweden is currently code green. There are no particular security risks or current circumstances such as natural disasters or conflicts that affect the availability of medical care. This means that travelling, living or staying temporarily in Sweden is not a problem, and you’ll find yourself in a safe and well-organised country.