Private expat health insurance in Sweden

If your residence permit is shorter than 12 months, private health insurance is usually required. For longer stays, you are generally expected to join Sweden’s public healthcare system once registered.

Yes, this policy meets the legal requirements for getting your first visa or residence permit in Sweden and qualifies as your proof of health insurance with Migrationsverket. Our policy guarantees 30,000 euros of coverage (in fact there is no limit to the cover), includes inpatient and outpatient care, emergency cover, repatriation, pandemic cover and a minimum of 12 months on your policy. All documentation for your visa is provided on confirmation of sign up.

Until you receive a personnummer, access to public healthcare is limited.

This insurance covers you during the waiting period.

Yes. If you are in Sweden to seek work or start a business, private health insurance is often required. This plan includes visa-ready insurance documents.

You can download your insurance certificate and policy documents immediately after signing up.

Yes, you'll have to pay upfront. We suggest paying the doctor or clinic as soon as possible to avoid any late fees. Following that, submit photos of all invoices, receipts, and documents related to the incident in your Feather account to get reimbursed. The reimbursement will be made to you, not to the doctor

If you purchase a policy and the policy becomes active within 14 days of purchase, then you have 14 days to cancel your policy from the date of purchase and receive a full refund (as long as no claims were made during this period). However, if you purchase a policy with a start date in the future (over 14 days), then you have any time before the policy becomes active to cancel it and receive a full refund. After this period, you can still cancel anytime! Whenever you cancel, you would then no longer be charged during the next monthly billing cycle.

Yes, expat insurance will cover some dental treatment for new dental conditions requiring pain relief like simple fillings and cleanings. This treatment is covered for up to €500 per year Additional dental treatments like check-ups and teeth cleaning are not covered.

Yes, dependents can be added to your plan. Please note that each dependent will have to have their own policy purchased, but we can add them all under one account for ease of access. To add a dependent, simply: 1. Sign up for expat insurance for yourself first (or for the person you want to be the main policyholder) 2. Once you sign up, log into your Feather account and click on your expat policy. 3. Click 'add dependents', then add the dependent. 4. The basic policy price for dependents under 18 years of age is the same (72 euros).

Once you receive a personnummer and your stay in Sweden is expected to last 12 months or longer, you are generally expected to join the public healthcare system. Many people use private expat health insurance only as a temporary solution during the transition.

If your stay is extended and you receive a personnummer, you are generally expected to join Sweden’s public healthcare system. You can cancel this insurance once your situation changes.

No. This is international expat health insurance designed for newcomers and short stays. It does not replace Sweden’s public healthcare system.

Yes. You can keep this insurance even after joining Sweden’s public healthcare system, for up to 5 years. Some people choose to keep it to access private hospitals or for additional coverage alongside public care.

Yes. For this expat health insurance, there is a 31-day waiting period with reduced coverage. Life-threatening medical conditions are still covered during this period.

In some cases, the waiting period can be waived. You can find more information about this in our FAQ or by speaking with our team. Please note that this insurance only covers new medical conditions that start after the policy has begun.