Health Insurance For Expats In Sweden

The Best Health Insurance For Expatriates Living In Sweden

Posted by Greg Jones on January 24, 2020

If you've searched Google for health insurance that covers expats in Sweden then you are most likely for looking for trusted UK based health insurance companies that will cover your medical costs in Sweden.

Living as an expat in Sweden you want to avoid any nasty unexpected medical costs. In some countries these can run into hundreds of thousands of pounds for serious conditions.

Our advice when looking for private medical insurance that covers expatriates living in Sweden is to speak to a health insurance broker. Health insurance is incredibly complicated and if you want absolute certainty that Sweden is covered you should consult with a health insurance broker who can explain which providers will cover medical expenses for expatriates in Sweden and which will not.

There are many advantages to using a broker but the biggest by far is that you're using their industry experience at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than you so it costs you no extra to use their services.

  • Do you live in many different postcodes? Some will give you a cheaper policy premium than offers. A broker will be able to advise whats best.
  • Do you have a hobby that may invalidate your insurance claim? A broker will know this vital information.
  • If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different insurance policies?
  • You've developed a certain medical condition and want to know which policy provider offers the largest amount of cover for it. A broker will know this instantly saving you so much time and effort.

You can call around every health insurance provider on the market and ask if they provider cover for expats in Sweden, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.

Its much quicker to speak to one health insurance broker which will know which policy providers on the market offer cover for expats in Sweden and under what conditions they do or don't cover it.

Sweden Information

Tourism in Sweden comprised a relatively small part of the Swedish economy in 2011 at 2.9% of the country's GDP; at this time, tourism generated 264 billion Swedish krona, 98.8 billion of which was foreign-visitor expenditure in Sweden. 7.1% of Swedish household income is spent on domestic tourism.

Due to Sweden's northern location, the summer sun sets for only short periods of time (not at all north of the Arctic Circle). This phenomenon allows outdoor activities later in the evening than usual.

Sweden has a large number of lakes and forests; the former are popular for fishing and canoeing. There are several large lakes, including lakes Vättern and Vänern. The Göta Canal from Stockholm to Gothenburg allows for trips in the summer.

Mountain-hiking is limited to the northern and north-western parts of Sweden where a nearly 1000 km long and 50 to 200 km wide mountain range borders to Norway. In the south the Swedish mountains are generally high rolling hills with some occasional pointy peaks, while the middle and particularly northern parts of the range gradually exhibit a more dramatic nature. Sweden, and Scandinavia in general, lacks notably high peaks (the highest mountain in Sweden is Mt. Kebnekaise near Kiruna, which is 2,111 metres (6,926 ft) high). Despite this, dramatic areas are found in several places, and the northernmost parts of the Swedish mountain range house a notably large and dramatic wild alpine region, known as Laponia area. This area includes world-famous mountain regions like the Sarek National Park and is sometimes referred to as "Europe's last wilderness" or "Europe's Alaska". Covering about 9400 km2, the Laponia area is the largest wilderness in Europe with vast areas of untouched nature. This attracts many hikers each year, but visiting certain parts of the region requires experience since it is mostly roadless land with huge walking distances, uninhabited, and with a lack of cellphone reception in large parts.

Another popular area for Swedish mountain hiking is Kungsleden, or "The King's Trail". It is a 400 km long trail that reaches through nearly half the Swedish mountain range, from Abisko in the north, to Hemavan in the south. This hike does not require any extreme experience and manned mountain huts with accommodation and small shops are located along the trail. It is said to be a great nature experience of world class, both for veterans as well as beginners.

Tourists in Sweden's north in the winter often take trips in reindeer sleighs with Sami drivers, in dog sleighs, or on snowmobiles. It is also possible to ski, with downhill resorts at Åre and Vemdalen, and there are many cross country ski tracks throughout northern Sweden. Vasaloppet (in the beginning of March) is the oldest, longest and largest cross-country ski race in the world. Ice hockey is a popular sport in the winter. Many of the bays in the northern part of the country are frozen in winter, and it is possible to go ice yachting or ice skating on the ice. Many lakes are also frozen, so ice fishing (pimpelfiske) is quite common.

Most cities and towns in Sweden are small compared to other European cities and towns (e.g., those in the United Kingdom and Germany). The largest city is Stockholm, with close to 900,000 inhabitants, followed by Gothenburg with 493,000 and Malmö with 270,000.

Stockholm has been Sweden's capital since at least the 14th century. It is Sweden's metropolis, the centre of the government and of the media. It has a waterfront adjacent to the Stockholm Archipelago; parts of Stockholm are preserved largely intact from older times.