Insurance for incoming students
Source: https://www.lunduniversity.lu.se/student-life/before-you-arrive/insurance-incoming-students Parent: https://www.lunduniversity.lu.se/study/admission-degree-studies/applying-studies-when-apply
Are you admitted to a programme or course, or nominated for an exchange? If you're moving to Sweden to study, you're an incoming student. You'll be covered by either Student IN or FAS+, and will also have separate personal injury insurance during school hours.
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Contact information
Questions about student insurance cover should be directed to your exchange, programme or course coordinator at Lund University.
Student IN or FAS+ insurance
The type of insurance you get through Lund University, Student IN or FAS+, depends on whether you are a EU/EEA citizen or not and what type of study agreement you have.
You will normally get Student IN if you are:
- an exchange student
- an EU, EEA or Swiss citizen
- exempt from paying tuition fees under certain conditions (details can be found on the page listed below)
You will normally get FAS+ if you are:
- a citizen of countries outside the EU, EEA and Switzerland
If you are eligible, you will automatically be assigned the correct insurance. See below for exceptions.
When you are not eligible for Student IN or FAS+
Check to see if any of the following situations apply to you. If this is the case, you are not eligible for Student IN or FAS+ insurance and may need to take action yourself.
If you already live in Sweden
If you already live in Sweden and have a (temporary) personal identity number, you must supplement your personal injury insurance during school hours with private insurance. Home insurance (Swedish: hemförsäkring) is usually a good place to start, as it offers broad cover. You should also consider accident insurance for your leisure time (Swedish: olycksfallsförsäkring).
If you are an incoming trainee
As an incoming trainee, you are not normally covered by Student IN. Contact the relevant faculty (or similar) – they are responsible for arranging the appropriate insurance.
Faculties, departments and centres
If you are an incoming doctoral student or scholarship holder
See the staff website for more information on insurance for employed or externally funded doctoral students:
Insurance for international staff (including employed doctoral students)
Insurance for scholarship holders
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When Student IN and FAS+ apply
Student IN and FAS+ are valid from two weeks before the start of your studies until two weeks after the end of your studies. This includes Orientation Weeks and final exams. Check the exact dates in your Letter of Acceptance or Notification of Admission Results. During this period, the insurance applies 24 hours a day, 7 days a week in Sweden.
What the insurance covers
During the period specified above, the insurance covers:
- your direct travel from your country of residence to Sweden at the start of your studies
- your direct travel from Sweden to your country of residence at the end of your studies
- a range of emergencies, losses, damages and legal situations in Sweden involving you, including:
- disability and death benefits
- medical and dental care cover
- property cover
- liability cover (home insurance)
- legal expenses cover.
Note that insurance claims may have a deductible (part of the cost that you have to pay).
For the full terms and conditions, see the website of the Legal, Financial and Administrative Services Agency (Kammarkollegiet):
Student IN, terms and conditions
When you might need extra insurance
If your travel or activities fall outside the above conditions, you will most likely need private insurance to ensure sufficient cover and avoid problems. Below are some specific examples that you should read carefully.
Student IN and FAS+ only cover you as an individual student. Any family members joining you should ensure that they have or arrange sufficient insurance cover. Also see the information on the following page:
Examples of when Student IN and FAS+ don't apply
Below are examples of when Student IN and FAS+ do not apply or do not provide full cover. Consider whether you need additional private insurance. Please note that most of the examples listed below refer to cases after you arrival in Sweden.
Travel-related situations (including healthcare abroad)
Travel outside the time frame:
- Situation: You arrive more than two weeks before the start of your studies to settle in early.
- What you need: Private insurance to cover this period until two weeks before your studies begin.
Indirect travel:
- Situation: You stop in Amsterdam for sightseeing on your way from your home country Australia to Sweden.
- What you need: Private travel insurance for this part of your journey.
A (short) trip abroad:
- Situation: You take a day trip to Copenhagen, Denmark (and you are not Danish). Or you go on a trip abroad to a country other than your home country.
- What you need: Private travel insurance for any travel outside Sweden.
A stay in your home country:
- Situation: You travel to your home country during a study break and cause damage to a borrowed laptop a few days after you've arrived.
- What you need: Private insurance to cover your stay.
Healthcare outside Sweden:
- Situation: You need healthcare while visiting your home country or another country outside Sweden.
- What you need: Private health insurance (recommended). EU/EEA students with a personal identity number and a Swedish European Health Insurance Card (EHIC) may be able to use Swedish general health insurance instead of private insurance in EU/EEA countries. You must actively apply for and be granted the EHIC from the Swedish Social Insurance Agency (Swedish: Försäkringskassan). Check with your insurance provider!
Routine healthcare needs
Health or dental care needs in Sweden:
- Situation: You have a known health condition that requires regular medical visits.
- What you need: Private health insurance to cover non-urgent, routine care.
Other situations
Careless behaviour:
- Situation: You leave your laptop unattended in the library while going to the bathroom or lunchroom at your department, and it gets stolen.
- What you need: Common sense – the insurance will not cover you if you have not taken reasonable measures to protect your belongings.
Family member involved in an incident:
- Situation: Your spouse or child damages something in your accommodation or loses something borrowed.
- What you need: Private insurance for family members.
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Proof of insurance for residence permit
When applying for a residence permit through the Swedish Migration Agency as a non-EU/EEA citizen, you'll need to provide proof of insurance in the online application form.
For the FAS+ insurance, it is usually sufficient to refer to this webpage and attach the conditions below. When it comes to the Student IN insurance, you can attach your ’Letter of acceptance’.
Lund University will not send you a separate insurance certificate.
- FAS+, terms and conditions – kammarkollegiet.se
- Student IN, terms and conditions – kammarkollegiet.se
Personal injury insurance during school hours
All students at Lund University are automatically covered by accident insurance. This is a separate insurance and is administered differently from Student IN and FAS+. Claims are also made and sent in a different way.
When personal injury insurance applies
The insurance applies during scheduled school hours. School hours are defined as activities organised by Lund University that your programme or course specifies as part of your studies. This also includes travel between your home address in Sweden and the University.
What the insurance covers
This insurance applies if you are injured in an accident or contract an illness in connection with your studies.
For the full terms and conditions, see the website of the Legal, Financial and Administrative Services Agency (Kammarkollegiet):
Personal injury insurance, terms and conditions
When you might need extra insurance
This insurance does not apply to (leisure) activities organised by other parties, such as student unions or student nations. For these situations, you need Student IN, FAS+ or private home and/or accident insurance.
Insurance summary
See below for the most common insurance situation for exchange students and admitted programme and course students.
Nominated exchange student
- Student IN insurance
- Personal injury insurance
Admitted student from the EU/EEA
- Student IN insurance
- Personal injury insurance
Admitted student from outside EU/EEA
- FAS+ insurance
- Personal injury insurance