Important for Swedes, Danes and Norwegians moving abroad
Once you officially deregister from Sweden (avregistreras), Denmark (afmeldes) or Norway, your entitlement to national healthcare ends. 1177, Sundhedskort, and the Norwegian helsetjeneste no longer apply to you. You will need private international health insurance from day one abroad.
What Scandinavian Expats Actually Use
SafetyWing
The most popular choice among younger Scandinavian expats and digital nomads. Simple, affordable, monthly rolling. Covers emergency care, hospitalisation and evacuation. Does not cover pre-existing conditions.
- Monthly rolling — cancel anytime
- Covers 180+ countries
- Good for Thailand and Spain
- Best for under-50s in good health
Cigna Global
The gold standard for Scandinavian retirees and long-term expats. Comprehensive coverage including dental, optical, and mental health. Accepted at private hospitals in Thailand, Spain and Portugal.
- Comprehensive annual plans
- Covers pre-existing conditions (with declaration)
- Dental and optical included
- Best for retirees 50+
AXA / Allianz Care
Strong alternative to Cigna. Well-known brand in Europe and recognised at most private clinics in Spain, Portugal and Thailand. Good option for Scandinavians who want a European-headquartered insurer.
- European brand — familiar for Scandinavians
- Strong Spain and Portugal network
- Flexible plan levels
- Good for families
A note on dental care
Dental care in Thailand costs 60–80% less than in Sweden or Denmark. A full crown that costs 15,000–20,000 SEK in Stockholm costs 3,000–5,000 SEK in Thailand at a high-quality private clinic. Many Scandinavians save significantly on dental work during their first year abroad — factor this into your total healthcare cost comparison.
Disclaimer: The information on this page is for general guidance only and does not constitute financial or insurance advice. Always read the full policy terms before purchasing. Coverage and pricing vary by age, health status, nationality, and destination. Viking Nomads is not affiliated with SafetyWing, Cigna, or AXA — these are independent recommendations based on what we know Scandinavian expats commonly use.