Startpage – Swedish Migration Agency

AG Försäkringar för arbetstagaren EN

Insurance for the employee

In order for the employee to be granted a permit, the employer must have taken out medical insurance, life insurance, occupational injury insurance and occupational pension insurance for the employee by the time they start their employment.

If the employee later wants to apply for an extension of their permit, they must have been covered by medical insurance, life insurance, occupational injury insurance and occupational pension insurance for the entire period that they have had a permit in Sweden. It is therefore important that the documentation shows the date on which the insurance began to apply, as well as the terms and conditions of the policy.

People who are in Sweden for less than one year do not have the same right to social welfare benefits as those who reside here. It is therefore very important that the employee has their own private insurance that can cover any costs that might arise if they fall ill or have an accident.

Medical insurance

Medical insurance provides financial support if the insured person falls ill or is injured. Medical insurance should not be confused with healthcare insurance, which helps the insured person to gain faster access to care.

Life insurance

A life insurance policy provides financial security if the insured person dies. For example, the money that is then paid out can help their surviving family be able to afford to stay in their home.

Occupational injury insurance

With an occupational injury insurance policy, the policyholder can receive compensation in the event of long-term unemployment or sick leave. The insurance provides compensation if the policyholder has been injured on the job or on the way to or from their workplace. This form of insurance is often referred to in Swedish as “Trygghetsförsäkring vid arbetsskada” and abbreviated to the acronym “TFA”.

Occupational pension insurance

Occupational pension insurance is an insurance solution to secure an occupational pension. It can be taken out by the employer for the benefit of the employee, or taken out by the employee but then paid by the employer.