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Treatment abroad

Common EU legislation entitles you, as a citizen of the EU, to receive pre-planned care and reimbursement of your expenses. This applies to care within the European Economic Area (the EU Member States plus Iceland, Norway and Liechtenstein), and in Switzerland and Turkey. Exercising this right presupposes that you are insured in the country of residence (where you live and work) (usually the country where you have citizenship), and that you have a medical need of the care, i.e. that it is care of a type that you would have received free under the public health insurance system of your country of residence, had it been performed in this country. Care provided through Swedish Medcare is always planned care.
In addition to the right to planned care, you are always entitled to medically necessary care, i.e. care that cannot be postponed but must be provided (e.g. in the event of an accident or an acute illness) while you are in these countries, and in a few other countries with which your country has an agreement (we assume you have EHIC - European Health Insurance Card?).

Your benefits

Cross-border care lets you take greater responsibility for your health. You arrange care on your own terms. You can affect the course of events yourself so that you receive the right care at the right time.

Common reasons for seeking care abroad:

  • You want to prioritise your healthcare needs – unable or unwilling to accept long waiting times
  • You want to retain the best possible medical expertise
  • You want to retain a specialist with a particularly sterling reputation
  • You want to hire a caregiver who works at the forefront of methods and equipment
  • You want to pay your own way and receive fast, highly-skilled healthcare at a lower cost

Medical follow-up

Once you have received care in one of the countries listed, you have the same right to aftercare in your country as if you had received the treatment at home. Your need for continuing care on your return to your country is judged according to need, and not where you were previously treated.

Your options for reimbursement

The rule of thumb is that you might be reimbursed for the cost of your treatment abroad up to the cost for equivalent treatment provided in your home country. This means that if the treatment received abroad was more expensive, you will have to pay the difference. If, on the other hand, the treatment was cheaper, you are not allowed to keep the difference. You may also be eligible for reimbursement of other necessary expenses, such as travel and hotel costs. Please follow the links

     Dental care

  1. Applying for a preliminary decision
    A preliminary decision gives you the advantage of knowing the maximum amount of compensation you can receive for the desired treatment. A potential drawback to this approach is that it takes 2-3 months to receive a decision.
    You will be reimbursed once you have submitted itemised receipts or the original invoice. (You are responsible for making sure that unpaid invoices are paid on time.)

  2. Applying retroactively when you have already received the treatment
    Detailed documentation from the doctor is required in this case as well.

  3. Additional information and application forms are available for download here.

     Other types of care

  1. Applying for a preliminary decision
    You hand over the preliminary decision to your caregiver and pay only the standard patient fee.
    The advantage of this approach is that you do not have to pay for the care out of your own pocket up front, while the drawback is that it takes 2-3 months before the approval arrives.

  2. Applying for a preliminary decision
    A preliminary decision gives you the advantage of knowing the maximum amount of compensation you can receive for the desired treatment. A potential drawback to this approach is that it takes 2-3 months to receive a decision. You will be reimbursed once you have submitted itemised receipts or the original invoice (you are responsible for making sure that unpaid invoices are paid on time).

  3. You pay for the full cost of care yourself and apply for reimbursement after the fact. The rule of thumb is that you will be reimbursed for the entire cost of care, less the standard patient fee. The maximum eligible amount is what the care would have cost via your county council. If the care is more expensive in the providing country than it is in your home country, you will pay the difference yourself.
  4. Additional information and application forms are available for download here.

Information about applicable legislation and common EU rules is available under the following links

EU information about healthcare abroad

Your Europe portal

Expenses and reimbursements of planned healthcare