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.

Insurance types

Common types of insurance

Car insurance (bilförsäkring) – By law you must have insurance for your vehicle in Sweden.

Home insurance (hemförsäkring) – Home insurance covers everything in your home. In most cases, home insurance also includes travel insurance and liability insurance.

Property insurance (bostadsrättsförsäkring/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 olycksfallsförsäkring) – 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 choose an insurance that covers the child if they are injured in an accident or become ill.

Student insurance (studentforsäkring) – 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 (livförsäkring) – Life insurance can secure the family financially if the insured person dies.

Private pension insurance (privat pensionsforsäkring) – 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 tax-deductible pension insurance is 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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Info Norden is the information service of the Nordic Council of Ministers. Here you can find info and tips if you wish to move, work, study, seek support or start a business in the Nordic region.