If you are new to Sweden, it’s important to learn about the healthcare system. An important part is called högkostnadsskydd, or “high cost protection”. This program makes healthcare affordable for everyone in Sweden.
What is high cost protection in Sweden?
High cost protection places a limit on how much you pay for healthcare each year. Once you spend 1,100 Swedish Krona (SEK) on healthcare costs from January to December, högkostnadsskydd kicks in. It will then cover any additional costs for the rest of the year. This prevents big medical bills.
People in Sweden can access doctors, hospitals and medicine without worrying too much about costs. As long as högkostnadsskydd is in place, medical expenses should not cause financial stress.
What medical services are covered?
Most necessary medical services are covered like:
- doctor visits,
- emergency care,
- and prescriptions.
However, there are a few exceptions which you can read about further down. But even with some carve outs, högkostnadsskydd still provides comprehensive protection against large bills. It’s an important component of Sweden’s universal healthcare model that embraces access, prevention, and affordable treatment for all.
Swedish hospital price lists: understand your medical costs
While högkostnadsskydd limits yearly costs, it’s good to know average prices. Each Swedish county publishes price lists called “prislista” online. These show costs for common treatments, tests and medications.
For example, an overnight hospital stay usually costs SEK 800-1500. Prescription drugs sold in Swedish pharmacies also follow set pricelists. Generic medications are around SEK 200-500. Brand names can be SEK 1000-3000.
Are there any exceptions to the high cost protection program in Sweden?
Yes, there are a few other exceptions and limitations to Sweden’s högkostnadsskydd (high cost protection) program. Let’s go through what is excluded from the high cost protection program:
- Daily hospital fees (currently SEK 80/day).
- Vaccinations.
- Missed appointments.
- Dental care (separate dental högkostnadsskydd at 2,300 SEK annually)
- Care received abroad – Högkostnadsskydd only applies to healthcare services received in Sweden.
- Elective procedures – Cosmetic or other elective surgeries/treatments that are not medically necessary.
- Long-term nursing care – Extended nursing home or assisted living costs.
- Physiotherapy – There is a separate cap (around SEK 1,100) for out-of-pocket physiotherapy costs per year.
- Occupational healthcare – Treatment received through an employer’s occupational healthcare provider does not count toward the högkostnadsskydd limit.
- Family cap – The program is capped at SEK 2,200 per family per year rather than being individually capped at SEK 1,100 for each family member.
- Time limit – Högkostnadsskydd protection only applies to costs within the current calendar year. It does not carry over leftover coverage to future years.
So in summary, while högkostnadsskydd provides excellent financial protection, there are scenarios where costs may go beyond the annual caps or where the program simply does not apply. It’s important for you to understand these limitations.
And if you want to read more about patient fees and high cost protection, you can do so at Vårdguiden.
