If Sjukvårdsförsäkring

by If Skadeförsäkring

★★★★☆4(6,120 reviews)

If Skadeförsäkring is part of Finland's Sampo Group and one of the Nordic region's largest non-life insurers. In Sweden it is one of four companies controlling 81% of non-life premium income. Its health insurance offers meaningful Nordic portability for Swedes working across Scandinavia.

Monthly Premium

SEK 370 - SEK 1,100

Deductible

SEK 0

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✓Mental Health

✗Maternity

✗Prescription Drugs

✗Emergency Care

✓International Coverage

✓Telehealth

Pros

✓Pan-Nordic coverage portability
✓Sampo Group financial strength
✓Strong digital claims

Cons

✗Plans standardised — less customisation
✗Smaller own Swedish clinic network

Editorial Review

“If's Nordic architecture gives it a structural advantage no purely Swedish insurer can replicate — policyholders working across Sweden, Norway, and Finland stay covered under a single policy framework managed by the Nordic region's most financially robust non-life group.”

— SvenskForsäkring Market Share; ZoomInfo Sweden Insurers 2025