Insurance

All students at KTH are insured through a personal injury insurance on the school premises and during travel to and from these. However, it is crucial you make sure you have additional medical insurance coverage in case of an emergency or if you fall ill during an off campus activity.

Recommended insurance coverage

We recommend that all international students have a complete insurance cover in order to avoid extreme costs that in case of an unexpected incident or illness. A complete insurance should include:

  • personal injury (outside school hours)
  • medical care cover
  • dental care cover
  • liability cover (in the event that you are subject to a claim for damages)
  • legal expenses cover (if you need to make a claim for damages)
  • home transport (in case of serious injury)
  • private property cover (luggage, mobile phone, lap top etc.)

Entitled to additional insurance through KTH?

In addition to the personal injury insurance that applies to all students, KTH provides additional insurance to certain student groups. To find out if you are entitled to additional insurance through KTH click on your category in the list below. If you find that some components are missing in your insurance in order to be fully covered, we advice you to purchase them privately before arrival.

I am a Non-EU/EEA degree programme student

I am an EU/EEA degree programme student

I am a Joint Master's programme student

I am an Exchange student

KTH degree programme students

I am a non-EU/EEA student (i.e. a tuition fee paying student or a student holding a KTH scholarship)

If you are a tuition fee paying student admitted to a KTH Master's or Bachelor's programme or a student holding a KTH Scholarship (former KTH Tuition fee waiver) KTH provides you with a comprehensive insurance called FAS+.

In brief FAS+ includes:
• Full coverage of medical costs in the event of medical emergency (not included planned surgery, planned stay in hospital, routine check-ups).
• Coverage up to SEK 3 000 for emergency dental treatment per year. Emergency dental care involves relieving the patient of pain and infection, provisional filling of holes and ensuring a functional biting area.
• Full coverage of costs for medical evacuation or repatriation of remains.
• Legal expenses cover (if you need to make a claim for damages) up to 200.000 SEK
• Liability coverage up to 3 million SEK.
• Private property ONLY, called ‘movable property’ like for example the mobile phone/computer if stolen or damaged in an accident) up to 25.000 SEK

No deductibles apply to this insurance, with the exception of property cover, where the deductible is 1500 SEK.
To find out exactly what applies, we urge you to carefully read the detailed terms and conditions.

Duration:
FAS+ insurance is valid during the education period as well as two weeks prior to the start of studies and two weeks after the end of studies. If, for any reason, you should finish your studies earlier than planned, the insurance will end aswell, still allowing for two weeks cover after you've finished.

‘Start of studies’ refers to the start of term, course or time when teaching at the educational institution begins, i.e. for students attending the preparatory language course, start of studies takes place at the beginning of August, whereas for students who will not attend the preparatory language course start of studies occurs on the official start of the semester.

‘End of studies’ refers to the end of term or course when the teaching or internship period is concluded. Click on the Academic calendar for detailed information.

Students do not need to activate the insurance in order for it to be valid and will receive an insurance certificate by e-mail right after the second notification of selection results have been published.

Please note that FAS+ does not apply to SI-scholarship holders who hold a separate insurance through the Swedish Institute.

Changed fee status and prolonged studies

Student's whose fee status changes during their studies will not be covered by FAS+ and are strongly recommended to find out if they need to purchase additional insurance coverage for their remaining stay in Sweden. For students who have not completed their studies within stipulated time frame, request of continued insurance coverage through KTH is assessed on a case by case basis.

Further questions? Contact Information and service at: info@kth.se 

I am an EU/EEA student

Apart from the personal injury insurance that applies to all students at KTH, Master's students from an EU/EEA country who are exempted from paying tuition fees are not provided with any additional insurance coverage through KTH. Insurance coverage therefore needs to be purchased by the students themselves.

Must bring the European Health Insurance Card

Students from EU/EEA member countries should bring the European Health Insurance Card, filled out by the social insurance office in their home country. With this card you are entitled to the same standard patient fees as Swedish citizens for emergency health care and certain types of non-emergency health care. Please check up with the social insurance office in your home country for more details. Bring the card every time when you need to seek medical care.

Joint Master's programme students

In addition to the personal insurance that applies to all students at KTH, your programme might offer additional insurance coverage. If the programme does not provide any additional insurance, the insurance coverage needs to be purchased by the students themselves. For further information, please turn to the coordinating university of your programme.

Must bring the European Health Insurance Card

Students from EU/EEA member countries should bring the European Health Insurance Card, filled out by the social insurance office in their home country. With this card you are entitled to the same standard patient fees as Swedish citizens for emergency health care and certain types of non-emergency health care. Please check up with the social insurance office in your home country for more details. Bring the card every time when you need to seek medical care.

Exchange students

Student IN insurance

The Student IN insurance provides incoming exchange students with cover for medical expenses. It also contains a certain amount of accident cover in the form of a fixed amount in conjunction with disability or death, as well as liability and legal expenses cover. No deductibles apply to this insurance, with the exception of property cover, where the deductible is 1500 SEK.

The insurance applies during direct travel between the home country and Sweden, during the study period, as well as two weeks before the start of studies and two weeks after the end of studies. Student IN insurance is available through Kammarkollegiet which supplies a number of different insurance policies for public authorities.

Terms and conditions

In brief Student-IN includes:

  • Full coverage of medical costs in the event of medical emergency (not included planned surgery, planned stay in hospital, routine check-ups).
  • Coverage up to SEK 3 000 for emergency dental treatment per year. Emergency dental care involves relieving the patient of pain and infection, provisional filling of holes and ensuring a functional biting area.
  • The insurance reimburses necessary and reasonable additional costs incurred for transport of the insured person to their home country due to serious illness or extensive personal injury during the policy term.
  • Legal expenses cover (if you need to make a claim for damages) up to 200.000 SEK.
  • Liability coverage up to 3 million SEK.
  • Private property ONLY, called ‘movable property’ (for example if a mobile phone or computer if stolen or damaged in an accident) up to 25.000 SEK.

To find out what applies, we urge you to carefully read the terms and conditions.

For further questions contact your International coordinator at your school.

Must bring the European Health Insurance Card

Students from EU/EEA member countries should bring the European Health Insurance Card, filled out by the social insurance office in their home country. With this card you are entitled to the same standard patient fees as Swedish citizens for emergency health care and certain types of non-emergency health care. Please check up with the social insurance office in your home country for more details. Bring the card every time when you need to seek medical care.

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