Remote Benefits:
Sweden
Remote builds belonging for your global team with comprehensive local plans at competitive rates.
Remote Health Insurance Plans
Customers may elect to offer the below benefits to their employees in Sweden and can choose between the basic and premium plans.
The rates listed here are for the May 1, 2024, to April 30, 2025 policy year. Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place. You can email support@remote.com with any questions!
STANDARD TIER
PREMIUM TIER
Price & Coverage Options
You can directly support your employees dependent coverage. Note that there is no limit to the number of children.
You pay:
- Employee Only: $113/mo
- Family coverage (spouse/partner, children): Ranges from $166 to $326/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $113/mo).
Employee pays:
- If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
- For Family coverage, the employee pays nothing.
You pay:
- Employee Only: $142/mo
- Family coverage (spouse/partner, children): Ranges from $210 to $414/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $142/mo).
Employee pays:
- If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
- For Family coverage, the employee pays nothing.
Inpatient Coverage
Cover Limit: $1M
Includes hospital room charges, nursing care, surgical procedures, and medications administered during the hospital stay.
Full refunds are available for intensive care, prescription drugs and materials, surgical fees, including anesthesia, physician and therapist fees, surgical appliances, diagnostic tests (for in-patient and day-care treatments only), organ transplants, and more.
Same as the Standard Tier
Outpatient Coverage
Cover Limit: $3,500
Includes doctor's visits, diagnostic tests, specialist consultations, outpatient surgeries, therapy sessions, prescription medications, and more.
Cover Limit: $5,060
Similar coverage as the Standard Tier.
Deductible
$135
Employee pays the first $135 out-of-pocket for outpatient services before their insurance coverage starts to contribute.
$0
Employee receives immediate insurance coverage for outpatient services without any initial out-of-pocket payment.
Employee Assistance Program (EAP)
Includes access to multilingual mental health, legal, and financial counseling via phone, video, or in-person. Additionally, a wellness website, fitness app, and 24/7 support in multiple languages are provided.
Same as the Standard Tier
Maternity
Maternity coverage includes a limit of $6,000 for related medical expenses.
Same as the Standard Tier
Vision Insurance
Coverage Limit: $250
Includes eye examination and prescribed glasses and contact lenses.
Dental Insurance
Coverage Limit: $1000
Includes routine, preventive and restorative treatments as well as periodontics.
Coverage Details
For more detailed information on the Standard Tier, please refer to the table of benefits.
For more detailed information on the Premium Tier, please refer to the table of benefits.
Price & Coverage Options
You can directly support your employees dependent coverage. Note that there is no limit to the number of children.
STANDARD TIER
You pay:
- Employee Only: $113/mo
- Family coverage (spouse/partner, children): Ranges from $166 to $326/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $113/mo).
Employee pays:
- If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
- For Family coverage, the employee pays nothing.
PREMIUM TIER
You pay:
- Employee Only: $142/mo
- Family coverage (spouse/partner, children): Ranges from $210 to $414/mo
(This range will only be applicable if an employee adds dependents. If dependents aren't added, the cost remains at the employee-only rate of $142/mo).
Employee pays:
- If you cover the Employee Only, the employee is responsible for the cost of any dependents added to the policy.
- For Family coverage, the employee pays nothing.
Inpatient Coverage
STANDARD TIER
Cover Limit: $1M
Includes hospital room charges, nursing care, surgical procedures, and medications administered during the hospital stay.
Full refunds are available for intensive care, prescription drugs and materials, surgical fees, including anesthesia, physician and therapist fees, surgical appliances, diagnostic tests (for in-patient and day-care treatments only), organ transplants, and more.
PREMIUM TIER
Same as the Standard Tier
Outpatient Coverage
STANDARD TIER
Cover Limit: $3,500
Includes doctor's visits, diagnostic tests, specialist consultations, outpatient surgeries, therapy sessions, prescription medications, and more.
PREMIUM TIER
Cover Limit: $5,060
Similar coverage as the Standard Tier.
Deductible
STANDARD TIER
$135
Employee pays the first $135 out-of-pocket for outpatient services before their insurance coverage starts to contribute.
PREMIUM TIER
$0
Employee receives immediate insurance coverage for outpatient services without any initial out-of-pocket payment.
Employee Assistance Program (EAP)
STANDARD TIER
Includes access to multilingual mental health, legal, and financial counseling via phone, video, or in-person. Additionally, a wellness website, fitness app, and 24/7 support in multiple languages are provided.
PREMIUM TIER
Same as the Standard Tier
Maternity
STANDARD TIER
Maternity coverage includes a limit of $6,000 for related medical expenses.
PREMIUM TIER
Same as the Standard Tier
Vision Insurance
STANDARD TIER
PREMIUM TIER
Coverage Limit: $250
Includes eye examination and prescribed glasses and contact lenses.
Dental Insurance
STANDARD TIER
PREMIUM TIER
Coverage Limit: $1000
Includes routine, preventive and restorative treatments as well as periodontics.
Coverage Details
STANDARD TIER
For more detailed information on the Standard Tier, please refer to the table of benefits.
PREMIUM TIER
For more detailed information on the Premium Tier, please refer to the table of benefits.
* Prices listed in USD, local currency equivalent will be determined based on exchange rate at the time of invoicing.
Pension Plan
Remote offers an optional pension plan, which also includes life, disability, waiver of premiums, and workplace accident insurance.
If you would like to offer the pension plan you must offer it to all Swedish employees on your team.
Contribution rates are:
- 4.5% on pensionable salary between 0 and 7.5x the Income Base Amount (IBA).
- 30% on pensionable salary between 7.5 and 30x the Income Base Amount (IBA).
- No contributions are payable on pensionable salary above 30x the IBA.
- The IBA for 2023 is SEK 74,300.
- Example: An employee with an annual salary of 800,000 SEK. In Sweden, the 2023 IBA (income base amount) is 74,300 SEK. 7.5 IBA x 74,300 is 557,250. Therefore, up to a salary of 557,250, the employee receives 4.5% contribution (from the employer) and above 557,250 (up to 800,000) they have a 30% contribution. There is also a roof of 30% IBA, so if an employee has an annual salary over 30 IBA (2,229,000 SEK), there would be no contribution beyond that level.
The company pays all the contributions and no contributions are required from employees.
"Pensionable salary" is defined as basic salary only. Membership in the pension scheme is open to employees aged 18 to 65.
Remote Mental Health Program
The rates listed here are for July 1, 2024, to April 30, 2025 policy year.
Remote has partnered with Oliva, the UK & Europe's #1 rated employee mental wellbeing platform. Oliva is available on desktop and as a mobile app and it includes:
- 1-to-1 therapy with a curated pool of top-quality therapists (35+ languages available)
- Advanced matching service to find each employee the right therapist for them within 48 hours (98% success rate)
- Personal wellbeing profile with tailored recommendations and info to track progress
- Curated self-guided content library with audio mindfulness & meditation sessions, guided yoga videos, Oliva Talks, podcasts on workplace wellbeing, and micro-learning content series for managers
- 24/7 mental health helplines for when an employee is struggling and needs to talk to someone immediately
Customers may elect to offer the mental health program benefits to their teams and can choose among 5 different plans.
It is essential to be aware that in certain countries:
- Mental Health Insurance Premium Taxes may be applicable. This means you may pay taxes on the monthly premiums you pay towards the life insurance coverage for your employees.
- Mental Health benefits may be categorized as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the life insurance coverage, might be counted as part of the employee's taxable income according to the local tax laws.
Pricing and benefits are subject to change in response to business and market changes and we will update you when those changes take place.
You can email support@remote.com with any questions!
Currency: Prices listed in USD, local currency equivalent will be determined based on the exchange rate at the time of invoicing.
Basic Mental Health Program $3.00/MO. | Standard Mental Health Program $8.47/MO. | Plus Mental Health Program $15.70/MO. | Premium Mental Health Program $22.70/MO. | Platinum Mental Health Program $35.83/MO. | |
Basic Mental Health Program $3.00/MO. Platform Access Only This plan does not include pre-paid Therapy / Coaching sessions.
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Standard Mental Health Program $8.47/MO. Includes:
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Plus Mental Health Program $15.70/MO. Includes:
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Premium Mental Health Program $22.70/MO. Includes:
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Platinum Mental Health Program $35.83/MO. Includes:
Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) | Team members can pay for extra therapy sessions themselves in the Oliva platform ($91/session) |
Remote's Benefits Practices
Remote supports our clients by offering competitive benefits packages that will help you attract and retain the best talent across the globe! Our benefits specialists have done the research on norms and requirements in each local market and have crafted packages that will allow your employees to thrive, no matter what country they live in.
Our core benefits (which often include things like healthcare) are required in some countries where we hire. We do not require customers to offer benefits in Sweden due to its strong public system and local laws that protect us (and you!) against claims of discriminatory hiring practices. However, we do recommend that employers in Sweden offer benefits to their employees, which allows them to access a wider range of options for providers and specialists as well as significantly shorter wait times. Our plans also offer global coverage (excluding the US) to protect your employees when they are traveling outside their home country. We do not add a markup on any benefits premiums or administration costs.
If you would like more insight into fair equity and benefits best practices, you can download our Global Benefits Guide here!
- In Sweden, 70%* of employers offer supplemental health insurance to their workforce. Although the country has a strong public health system, supplemental health insurance provides employees with access to a wider range of options for providers and specialists, as well as significantly shorter wait times. Our plans also offer global coverage (excluding the US) to protect your employees when they are traveling outside their home country.
- 90%* of employers offer a pension plan to their employees and 90%* offer life insurance. (*based on 3rd-party market research from our partners)
- Employers can choose to opt out of offering Remote’s core benefits in Sweden.
- You will be able to select a benefits plan when onboarding your employee (if you choose to offer one). From there, the employee will be enrolled and contacted with more information about their plan. Remote takes care of all the administration work so you can focus on scaling your global team!
TCE in Sweden
If you’re ready to hire a new employee in Sweden, you may have generated or received a Total Cost of Employment quote to get an estimate of what it might cost. If you haven’t, you can do so with our handy Cost Calculator tool now!
Employers hiring in Sweden must pay for social contributions mandated by the government. These costs are automatically applied during payroll:
- Payroll taxes (which covers national health insurance, parental insurance, retirement benefits, workers’ compensation, and other taxes)
The exact cost of the government contributions listed above can be found by using the Cost Calculator.
- For more information about hiring employees in Sweden, see our country hiring guide at https://remote.com/country-explorer/sweden.
Learn more about Remote benefits
How do benefits work when hiring through an EOR?
Watch this quick explainer video to understand how offering benefits works when you hire team members through an employer of record like Remote.