No one knows before, how long your therapy will take, how much therapy you will want, if "this" therapist will help you or not. Therapy can be ongoing with breaks, it can be quick (most is now), people can use insurance or save and pay on their own or any number of things, that is not the insurance people's concern. Depending on what options you choose, insurance is clear what it will pay for. Therapy is not like having a broken arm, with a clear beginning and end for all people. But insurance has to have some "base" to work with otherwise how do they keep paying? They only have what you are giving them for premiums and that has to pay for administration costs and personnel, too. You cannot pay them 800 SEK a month and they have to pay the therapist 3200 (800 times 4 weeks) or they cannot pay the 3200 SEK a month for the "whole" time (12 months)? Without administration costs, if you paid the insurance company 800 a month, that would be 9600, about 3 months (3200/month to therapist) or 12 weeks/sessions? It is better than not paying anything at all. You have to decide if you can continue or not and how to do/finance that, private insurance can be a help but is not to take care of you, that is your government "insurance"/public health job.