Private insurance cover in Sweden

Private forsikringer i Sverige
See what insurance cover you should have in Sweden, and how to compare private insurance policies.

Common insurance types

There is always a risk that you can lose things in an accident, or that you or someone else becomes injured. Many people therefore take out insurance cover to give themselves basic security in everyday life.

Insurance premiums vary depending on the type of insurance you need and how much the insurance is to cover. You should decide what risks you are prepared to take, and compare the cost of the insurance premium with the costs you are at risk of incurring if your property gets lost or damaged.

The following is a brief overview of different types of insurance in Sweden.

General insurance

Car insurance (bilförsäkring)

By law you must have insurance for your vehicle in Sweden.

Home insurance (hemförsäkring)

This covers the contents of your home. In most cases, home insurance also includes travel insurance and liability insurance.

Property insurance (bostadsrätts-/villaförsäkring)

If you own your home, you should take out extra insurance to cover any damage to the property.

Recommended insurance types

Health and accident insurance (sjuk- och olycksfallförsäkring)

By taking out an extra health and accident insurance, you may receive financial compensation if you suffer a serious illness or injury that becomes permanent.

Child insurance (barnförsäkring)

People who work are covered by a number of different social insurance types, but this does not apply to children. You can therefore take out insurance that covers the child if they are injured in an accident or become ill.

Student insurance (studentförsäkring)

When you move from home, or choose to study abroad, you need your own insurance.

Other insurance types

Pet insurance (djurförsäkring)

If you have a pet, you should take out a pet insurance.

Dental insurance (tandläkarförsäkring)

This is not insurance as such, but paying a fixed amount per month gives you access to regular dental care, including checkups and emergency treatment.

Life insurance (livsforsäkring

Life insurance can secure the family financially if the insured person dies.

Private pension insurance (privat pensionsförsäkring)

A private pension insurance is a separate savings scheme towards your pension, which is combined with an insurance. Private pension insurance was previously tax-deductible in income returns, but this is no longer the case. The amount that is subsequently paid out from your previously tax-deductible pension insurance is now taxed as income.

Find an insurance company

You may choose the country in which you want to buy your private insurances, as insurance companies may sell their products in other countries. They do this either by establishing themselves in the country or by offering cross-border services. This applies to private insurance types such as car insurance, home insurance and life insurance.

You should consider what you and your family need in terms of insurance cover, and then contact several different insurance companies.

On the website of The Swedish Consumers' Insurance Bureau, you can get help if you have any questions.


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