All students at KTH are insured through personal injury insurance on KTH's premises and during travel to and from KTH. However, it is crucial to 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 complete insurance coverage to avoid high costs in case of an unexpected incident or illness. Some students are entitled to additional insurance through KTH, while others have to buy insurance themselves. However it is important that all students check their insurance coverage before coming to KTH so that you are fully covered.
Insurance through KTH
Insurance during school hours
As an enrolled KTH student, you are covered by a personal injury insurance when you are on university premises and on journeys to and from the university.
You may need to show in your application that you have applied for health insurance, find more information on Residence permit for studies .
In addition to the personal injury insurance , KTH provides additional insurance to certain student groups. To determine 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 to be fully covered, we advise you to purchase them privately before arrival.
Be aware that the additional insurance provided to all fee-paying KTH students (FAS+) willnot be active before 11 August 2025, unless you're taking our Pre-sessional English Course . Make sure you have the necessary insurance before coming to KTH.
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, you are covered by the FAS+ insurance.
It is important that you read the terms and conditions carefully so that you know exactly what the insurance covers.
Send the claim form by e-mail to info@kth.se . Mark it with: “FAS+” and make sure the pdf file is unlocked for editing. KTH insurance officers will need to verify and confirm your eligibility, before we return the form to you.
Finally, submit the form by e-mail together with your receipts to forsakring@kammarkollegiet.se or via post:
Kammarkollegiet
SE- 651 80 Karlstad
Swedish personal identity number
If you have a residence permit valid for one year or more, you can register in the Swedish population register and receive a personal identity number. Once you have received your Swedish personal identity number you will be entitled to access public medical services for Swedish patient fees.
If your fee status changes during your studies you will not be covered by FAS+ and are strongly recommended to find out if you need to purchase additional insurance coverage for your remaining stay in Sweden. This also applies for students who have not completed their studies within their stipulated study period.
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 needs to be purchased by the students themselves.
European Health Insurance Card (EHIC)
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. For more details please consult the social insurance office in your home country. Bring the card when you seek medical care.
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.
European Health Insurance Card (EHIC)
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. For more details please consult the social insurance office in your home country. Bring the card when you seek medical care.
Do you have any questions?
For further information, please turn to the coordinating university of your programme. If your coordinating university is KTH, please contact info@kth.se .
Student IN insurance
Incoming exchange students are covered with insurance called Student IN.
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. For more details please consult the social insurance office in your home country. Bring the card when you seek medical care.
Most people in Sweden have home insurance (hemförsäkring), and we strongly recommend getting one during your stay in Sweden. You are responsible for the repair and costs if anything is stolen or damaged in your room or flat. Home insurance usually covers personal property, liability, and legal expenses. Most home insurances also have travel protection in case of illness or accident.
If you are an international fee-paying student, FAS+ covers aspects of a good home insurance plan, even though it is not a home insurance per se. However, you must check your landlord's requirements for a home insurance plan to know if you need to complement FAS+ to get full coverage. Exchange students are covered under Student IN and should ensure that their insurance plan offers complete coverage regarding their landlord's requirements. If you belong to another student group, you need to get an additional home insurance plan.
