Top 10 Insurance Companies in Sweden for Expats
Health insurance in Sweden is essential for expats to ensure comprehensive coverage during their stay. The best providers for expats include Cigna, Allianz, Bupa Global, AXA, and others, offering tailored plans that meet the needs of those living and working in Sweden.
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Expats in Sweden can secure both private health insurance and international coverage. Whether you’re moving for work, study, or another reason, these top providers offer the peace of mind you need with flexible plans that fit different budgets and lifestyles.
We will share the top 10 insurance companies available to expats in Sweden and a comprehensive overview of their insurance plans and benefits. Keep reading to learn all about the best insurance providers in Sweden for expats and foreigners!
Leading International Insurance Companies for Expats in Sweden
Some of the best ten insurance companies in Sweden include Cigna, Bupa Global, Allianz, and AXA. These companies have built lasting reputations within the international insurance market and offer insurance plans that fit any budget or lifestyle.
The full list of the ten best insurance companies in Sweden are:
- Cigna
- Bupa
- Allianz
- AXA
- David Shield
- VUMI
- NOW Health International
- IMG Global
- William Russell
- Blue Cross Blue Shield Global Solutions
Cigna for Expats in Sweden: Comprehensive Coverage and Global Network
Cigna Global offers international health insurance to expats in Sweden with its Close Care, Silver, Gold, and Platinum plans. It is one of the largest international health insurance providers, with a broad global network of 1.65 million hospitals, doctors, and clinics.
Cigna’s health insurance plans offer comprehensive coverage for inpatient and outpatient services and more. The core benefits shared by these plans are:
- Inpatient and day patient coverage
- Full cancer care
- Newborn care coverage
- Private hospital rooms
- Hospital stays and treatments
Some additional coverage that can be added to these plans is:
- Dental and vision benefits
- Evacuation and Crisis Assistance Plus™
- Outpatient services
- Health and well-being services
The Silver, Gold, and Platinum plans all offer international coverage, while the Close Care plan only offers coverage in Sweden and the member’s home country.
Bupa Global for Expats in Sweden: Premium Healthcare Plans and Benefits
Bupa Global offers international health insurance coverage for expats in Sweden through its plans: Major Medical, Select, Premier, and Elite. Their most affordable plan provides an annual benefit limit of USD $1,260,000.
Their plans and coverage details may vary by region, so ask your broker for more information. Below, we have compiled a short table illustrating the coverage benefits offered by Bupa Global.
| Bupa Insurance Coverage Availability for Expats in Sweden | |
| Benefit | Availability through Bupa |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on many plans |
| Dental Coverage | Available with a 24-month waiting period for orthodontic benefits |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for routine and travel vaccines |
Bupa Global includes key benefits with each of its health insurance plans, in addition to comprehensive healthcare coverage. These features include:
- Direct Billing Options
- 24/7 Medical Help through Global Virtual Care
- Second Medical Opinions
- Online Access to Insurance Information
- Extensive Network of Providers
Allianz Care for Expats in Sweden: Extensive Coverage for Individuals and Families
Allianz Care is one of the largest international health insurance providers on the market today and offers expats in Sweden excellent private health insurance coverage. The three main plans they offer expats include the Care Base plan, the Care Enhanced plan, and the Care Signature plan.
We have included the short table below to compare Allianz plan benefits.
| Allianz Plan Benefits for Expats in Sweden | |||
| Care Base | Care Enhanced | Care Signature | |
| Annual Limit | USD $2,500,000 | USD $2,700,000 | USD $5,000,000 |
| Type of Room | Private | Private | Private |
| Inpatient / Day-Care | Covered | Covered | Covered |
| Oncology | Covered | Covered | Covered |
| Medical Evacuation | Covered | Covered | Covered |
| Routine Maternity | Not Covered | Covered | Covered |
Allianz Care also offers additional add-on plans to further your coverage. These plans include their Out-Patient Plan, Dental Plan, Repatriation Plan, and Maternity Plan. These plans offer important additional treatment coverage for expats in Sweden.
AXA for Expats in Sweden: A Range of Flexible Health Plans
AXA is a global health insurance provider with 55 years of experience that insures expat individuals and families in Sweden. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.
Each of these plans includes comprehensive inpatient coverage, with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.
The core benefits included in all five plans are:
- Inpatient hospital charges and surgeries
- Emergency care
- Medical evacuation and repatriation
- Wide range of cancer treatments
- Ambulance transport
- CT, PET, and MRI scans
The more inclusive plans, Prestige and Prestige Plus, offer these valuable additional benefits:
- Routine pregnancycare
- Annual health checks
In addition to these medical benefits, AXA offers other important services to its members with each of its five plans. This includes 24/7 personal support, claims repaid within 48 hours, second medical opinions, and virtual doctor services.
David Shield for Expats in Sweden: Unique Coverage with PassportCard
David Shield is one of the top insurance companies in Sweden due to their unique health insurance solutions and excellent customer service. They offer their members access to quality healthcare in Sweden and across the world. They are also known for their product PassportCard.
David Shield offers individuals the option of health insurance plans with worldwide coverage, including USA coverage or excluding USA coverage. Expats looking to save money on their premiums can choose the excluding USA coverage plan.
Some key benefits included in David Shield plans are:
- Hospitalization
- Surgery
- Physician visits
- Maternity and infant care
David Shield also offers maximum flexibility for its members by allowing them to select the medical service provider of their choice from their extensive network.
VUMI for Expats in Sweden: Tailored Health Insurance Plans
VIP Universal Medical Insurance Group (VUMI) insurance offers comprehensive health and travel insurance for expats in Sweden. VUMI offers individual health insurance through its Global Flex VIP Plans, which come in five different options.
The five available plan options are Basic, Standard, Superior, Ultra, and Total. Each plan has different coverage limits, but all five plans include some core benefits like standard private hospital room coverage and fully covered ICU stays.
We will share more about the Global Flex VIP Plans below.
- Global Flex VIP Basic Plan: The VIP Basic plan offers the most affordable insurance option to expats in Sweden. It provides inpatient coverage, with outpatient services only being covered before and after surgery.
- Global Flex VIP Standard Plan: This plan offers a step-up in coverage from the Basic plan, with optional wellness and optical benefits.
- Global Flex VIP Superior Plan: The Superior Plan has options for additional optical and maternity benefits and also includes coverage for outpatient benefits like complementary therapies.
- Global Flex VIP Ultra Plan: The Ultra plan is the second most comprehensive health insurance plan VUMI offers. This plan includes routine dental coverage and maternity benefits. Optical benefits can be added as well.
- Global Flex VIP Total Plan: The most comprehensive of VUMI’s health insurance policies. This plan includes the highest benefit limits and includes high coverage for dental and maternity benefits.
NOW Health International for Expats in Sweden: Affordable and Comprehensive Options
Now Health International provides health insurance plans for expat individuals, families, and students living abroad in Sweden. Now Health is a popular insurance company due to its excellent customer service and extensive global network of providers.
Now Health offers its health insurance through its WorldCare plans, available in four options: WorldCare Essential, WorldCare Advance, WorldCare Excel, and WorldCare Apex. These plans vary in annual benefit limits and coverage but share similar core benefits.
- WorldCare Essential: The most basic of Now Health’s plans, this policy was designed to cover any emergency illnesses or accidents. This plan was created for those who want essential coverage but also want to keep their premiums as low as possible.
- WorldCare Advance: The Advance plan includes inpatient and outpatient services coverage up to the limit amount. Routine maternity care is not included in this plan.
- WorldCare Excel: This plan is similar to WorldCare Advance in coverage, but offers higher benefit levels. There is also an option to add dental coverage to your plan.
- WorldCare Apex: The most comprehensive of Now Health’s plans, the Apex plan covers dental care and routine maternity care (maternity care requires a 12-month waiting period).
IMG Global for Expats in Sweden: Flexible and Portable Health Coverage
IMG Global is an international insurance company that offers health and travel insurance to expat individuals and families in Sweden. Their plans are globally portable, with the choice of worldwide coverage or worldwide excluding the US, Hong Kong, Japan, Macau, Singapore, and Taiwan.
IMG Global provides international health insurance plans with benefits that include inpatient care, cancer treatment, and prescription coverage. These plans come in four different coverage tiers: Bronze, Silver, Gold, and Platinum.
The annual limits for these plans are listed below:
- Bronze: USD $1,000,000 per individual
- Silver: USD $5,000,000 per individual
- Gold: USD $5,000,000 per individual
- Platinum: USD $8,000,000 per individual
William Russell for Expats in Sweden: Reliable Health Insurance Plans
William Russell is a popular international health insurance provider with expats in Sweden because of their comprehensive health insurance. They offer health insurance through four standard plans: Bronze, SilverLite, Silver, and Gold. Each plan varies in coverage limits and benefits.
We will compare these four plans and their benefits in the table below.
| William Russell Plan Benefits for Expats in Sweden | ||||
| Bronze | SilverLite | Silver | Gold | |
| Annual Benefit Limit | USD $1,500,000 | USD $1,500,000 | USD $2,500,000 | USD $5,000,000 |
| Hospital Accommodations | Semi-private room (option to upgrade to a private room) | Semi-private room (option to upgrade to a private room) | Private room | Private room |
| Hospital Treatment | Full coverage | Full coverage | Full coverage | Full coverage |
| Annual Limit for Out-patient Treatment | No limit | Up to USD $5,000 | No limit | No limit |
| Primary Medical Care | Post-hospital treatment only | USD $1,500 (option to extend to USD $2,500 or USD $3,500) | Full coverage | Full coverage |
Blue Cross Blue Shield Global Solutions for Expats in Sweden
Blue Cross Blue Shield Global Solutions is an international insurance company that provides travel and health insurance plans for individuals, families, students, and groups in Sweden and worldwide. They offer their extensive provider network to their members in Sweden.
Blue Cross Blue Shield Global Solutions offers expat health insurance through their plans Xplorer Premier and Xplorer Essential. The Xplorer Premier plan comes with United States coverage, while Xplorer Essential can have US coverage added at a fee.
These plans come with benefits like:
- Inpatient and outpatient coverage
- Emergency evacuation and repatriation
- Dental coverage (with a 3-month waiting period)
- Maternity coverage (with a 12-month waiting period)
- Coverage for annual health checks
- Vaccination coverage
The Xplorer plans come with different choices of deductibles, and each annual maximum limit will depend on the deductible chosen. Blue Cross Blue Shield Global Solutions plans are especially popular with expats from the US due to the Xplorer Premier’s built-in US coverage.
Using an Insurance Broker to Secure Insurance in Sweden
Expats who use an insurance broker to secure health insurance for their time in Sweden can count on a simplified and streamlined process, with free and unbiased advice and support. Global insurance brokers like Pacific Prime can save you money on expat health insurance for your time abroad.
Insurance brokers save you money by negotiating with the insurance coverage provider on the client’s behalf, comparing plans to find the best deals, and customizing plans. Additionally, they will support and advocate for clients on their insurance journey.
If you’re interested in using an insurance broker to secure a health insurance policy for Sweden, consider the experts at Pacific Prime.
Frequently Asked Questions
Is healthcare free in Sweden?
Public healthcare is not free in Sweden, but it is heavily subsidized. Expats can also benefit from these subsidies if they are registered with a Swedish personal identity number (personnummer). Those who aren’t registered must rely on private or international health insurance.
How should I compare health insurance plans?
You can effectively compare insurance policies by considering key factors like premium costs, coverage limits, exclusions, benefits, and customer reviews. Compare these factors when reviewing multiple insurance providers, and you can find one that fits your needs best.
Why would someone need health insurance in Sweden?
Expats will need health insurance in Sweden to protect them against financial burdens due to unexpected illness or accident. Healthcare costs can add up quickly in Sweden, which makes having a private health insurance policy a necessary protection.
Conclusion
Insurance companies like Cigna, Bupa Global, Allianz, and others provide excellent health insurance coverage to expats in Sweden. Expats should take the time to compare plans from these providers to ensure they understand their terms and are getting the plan that fits their needs.
If you’re ready to secure an international health insurance plan, contact the experts at Pacific Prime. Pacific Prime is not tied to one specific provider as an insurance broker, so we can help you shop around for the best fit for you among different providers. Our advice is free and unbiased.
If you’d like to see quotes for health insurance on your own, use our free quote tool on our website!
If you enjoyed this article, check out our others on the top insurance companies in Finland and Denmark!
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
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