• Sweden's news in English
 
app_header_v3
Introducing… Insurance in Stockholm
This is Stockholm. Don’t worry - be happy. File photo: ASIFE/iStockphoto

Introducing… Insurance in Stockholm

The Local · 28 Aug 2014, 16:08

Published: 28 Aug 2014 16:08 GMT+02:00

The job’s in the bag, I’ve found a place to live and my permits are on their way. But…

But what?

I don’t know. It’s just – well, moving to a new city in a new country – it’s a big deal. And I guess I’m a worrier.

This is Stockholm. Don’t worry - be happy.

That doesn’t help at all. I’ve landed a great job but what if it doesn’t work out? What if I get sick? What if I trip and fall while gazing at all those stunning Stockholm vistas?

Oh dear, you really are a worrier. So let me tell you a little bit about the beloved Swedish Model.

No! This is serious! I don’t want to hear about Victoria Silverstedt or Marcus Schenkenberg.

Ahem. The Swedish Model is the set of principles governing how employees are cared for in Stockholm and the rest of the country. As well as ensuring a high standard of workplace conditions, it underpins the social insurance system.

Sounds tremendous. But how will that un-rupture my spleen?

Relax, your spleen will remain pristine. Stockholm puts a lot of gravel on its footpaths in the winter. But if you do take a tumble, your personal identity number will give you access to hospital and medical care on the same excellent terms as the average Johan or Johanna.

Well, fine, but at some point I’ll probably get mildew on my ceilings, or an icy wind will pierce my delicate, non-Swedish lungs. What then?

Please, desist with this disquietude. Homes in Stockholm are built to a very high standard. The walls will not cave in. However, do be sure to get homeowner’s insurance. Shop around for the best package. Most are comprehensive and will include coverage for things like property damage and burglary, as well as bundling in travel insurance.

That’s all well and good, but I’m concerned about the cost.

Don’t be. Policies tend to be very reasonably priced, and it would be beyond madness for a worry wart of your magnitude to go without. In fact, even the more cavalier among us recognise we’d be bonkers not to get one.

OK, but ever since my ingrown-toenail issue of 2003, I do worry about developing a rare, as yet unheard-of, illness that will keep me out of work for months.

Allow me to allay your fears. Everyone who formally lives or works in Sweden is covered by social insurance. It helps cover costs for illnesses, workplace injuries, disabilities, and old age. So if your toenails act up again, you’ll pay a small set fee each time you need medical care. The amount you pay in a given year is capped, so medical costs never go crazy. This is where our taxes go.

Read more about moving to Sweden in the Stockholm Collection

Hmm. OK, that does sound reassuring. But how do I claim any benefits I’m entitled to?

What you need to do is sign up with the Swedish Social Insurance Agency (Försäkringskassan). Even if you don’t need it now, it’s advisable to register as soon as possible. For people who work and pay taxes in Sweden, the agency will cover sickness payments and rehabilitation allowance. 

And you’re sure I qualify?

Yes, both because you have a job and are formally resident in Sweden. Anyone with a residence permit lasting 12 months or more is entitled to insurance cover.

EU citizens staying in Sweden for less than a year also qualify if they’ve come here from another EU country. But if you are here on a scholarship, say, and didn’t pay taxes in Sweden, then you wouldn’t be entitled to full insurance cover from the agency.

Right, I see, well I definitely qualify then. But what about my future family? I must admit I’m concerned about procreating without protection.

No problem. Any good chemist will be able to help you out there. Even supermarkets will stock what you need.

No, I mean child allowance and parental benefits.

Oh, I see. Again, the Social Insurance Agency will sort you out. Parental leave is very generous in Sweden, you know. You’ll have plenty of time to spend with your children and enjoy the good things in life.

But what if I spend all that extra time worrying about the choices I’ve made in my life? We only have one, you know.

I know, and you’ve just taken years off mine. Put your mind at rest with some proper advice from the good people at the City of Stockholm. Hej då!

This article was produced by The Local in association with Stockholm Business Region.

For more news from Sweden, join us on Facebook and Twitter.

The Local (news@thelocal.se)

Your comments about this article

Today's headlines
Opinion
'If Sweden really wants startups, drop the red tape'
Tech star Tayyab Shabab, who is being threatened with deportation. Photo: Claudio Bresciani/TT

Swedish politicians are keen to talk up the country's startups – but their migration rules threaten to strangle them, argues The Local's managing editor James Savage.

Startup heavyweights back tech ace told to leave Sweden
Spotify founder Daniel Ek is one of the big tech names backing Tayyab Shabab (right). Photo: Ingvar Karmhed/SvD/TT & personal

Major names in the tech community have rallied behind a developer who was told he must leave Sweden within a month due to an admin error made by his former employer.

Why Sweden could deport hundreds of refugee children
A home for lone refugee children in Sweden. Photo: Fredrik Sandberg/TT

Several hundred lone refugee children could now be sent home from Sweden due to a change in how the rule on exceptional circumstances is applied when making asylum decisions.

Rare and horny ox spotted looking for ladies in Sweden
The ox in question. Photo: Pia Jäderberg

Unfortunately he isn't likely to be successful.

Russian bombers spook Sweden-bound flight
A Russian Tupolev bomber not related to the story. Photo: STR/TT

A flight bound for Stockholm from Reykjavik got a nasty surprise last week when its pilot spotted two Russian bombers from his window.

One dead after Malmö drive-by shooting
Police cars outside the hospital where some of the people shot were taken. Photo: Emil Langvad/TT

UPDATED: One of the four men injured in a drive-by shooting in Malmö has died, police confirmed on Monday.

In pictures
How a Swedish hotel reunited this bear with his best friend
The bear having a croissant for breakfast. Photo: Kristoffer Kinnunen/Hotel Avalon

A Gothenburg hotel's attempt to track down the owner of this lost teddy bear turned into something much bigger.

World Cup of Hockey
Europe sends Sweden home from World Cup
Tomas Tatar scores a winning goal against Sweden's Henrik Lundqvist. Photo: Frank Gunn/The Canadian Press via AP

Sweden was kicked out of the World Cup of Hockey after losing to Team Europe in overtime.

Poetry can 'save Arab world' says Nobel Prize hopeful
The Gothenburg Book Fair. Photo: Fredrik Sandberg/TT

Speaking at the Gothenburg Book Fair, Syrian poet and possible Nobel Prize contender Adonis said that religious fanaticism is 'destroying the heart of the Arab world', but sees salvation in poetry.

My Swedish Career
'As long as you hook Swedes on the first try, they'll be back'
Kerryn Beattie (left) and Craig Donovan (right), founders of the Nordic Kiwi Brewers. Photo: Nordic Kiwi Brewers

The Local speaks to a Kiwi expat who took on the tricky world of microbreweries in Stockholm and won.

Sponsored Article
Let's Talk: a personal Swedish language tutor in your pocket
National
Trump an 'embarrassment' Springsteen tells Sweden
Sponsored Article
‘I view the world in a different way now’
Gallery
People-watching: September 23rd-25th
Politics
Russian Sweden Democrat aide resigns over suspect deal
Blog updates

7 September

Svensk or svenska? (The Swedish Teacher) »

"Hejsan! My inbox is full of questions :-). Here’s one about when to use “svensk” and…" READ »

 

23 August

A Summer in Sweden (The Diplomatic Dispatch) »

"For our first year here in Sweden we decided to have all our holidays in Sweden.…" READ »

 
 
 
Sponsored Article
'Creating a sense of home': Collective living in Stockholm
National
Muslim teacher leaves job after not shaking male colleague's hand
Sponsored Article
Life in Jordan: 'Undiscovered treasure'
Travel
Why we adore autumn in Sweden
Gallery
People-watching: September 21st
National
Stockholmers hunt killer badger after attack on neighbourhood hipster cat
Sponsored Article
Gran Canaria: 'So much more than beaches'
The Local Voices
Why this Russian developer is committed to helping refugees - with tech
Sponsored Article
Why Jordan is the ‘Different’ East
National
Six key points in Sweden's budget plan
The Local Voices
How a Swedish name finally made recruiters notice this Iranian's CV
Sponsored Article
How to vote absentee from abroad in the US elections
Gallery
Property of the week: Luleå
Sponsored Article
Why Jordan is the ‘Different’ East
Gallery
People-watching: September 16th-18th
Culture
Why Swedish TV has given these kids' trucks a sex swap
Sponsored Article
Retiring abroad: ensuring your health is covered
National
TIMELINE: Everything you need to know about the Julian Assange case
Sponsored Article
'There was no future for me in Turkey'
Gallery
People-watching: September 14th
Sponsored Article
7 reasons you should join Sweden’s ’a-kassa’
Politics
Why Sweden is putting troops on holiday dream island Gotland
The Local Voices
'What I mean when I say: I came here to blow myself up'
Society
VIDEO: Are Swedes that unfriendly?
Features
INTERVIEW: How Arthur the jungle dog opened hearts and minds
Gallery
Property of the week: Smögen, Västra Götaland
Society
Sweden's ancient forest tongue Elfdalian fights for survival
National
Where Sweden's foreigners are from
Gallery
People-watching: September 9th-11th
The Local Voices
Shakib, 23, works and pays taxes — but will Sweden let him stay?
National
Watch this Swede roll his kayak without spilling his beer. Respect.
The Local Voices
'Whenever I apply for jobs I’m treated like an unwanted stranger'
The Local Voices
Is Swedish bosses' ignorance keeping refugees out of jobs?
2,973
jobs available