Health Insurance in Norway

Norway's healthcare system is renowned for its high quality and is primarily funded through taxation. As an expat or digital nomad, understanding how health insurance works in this country is crucial for ensuring you have access to necessary medical services without facing unexpected costs.

Health Insurance Companies in Norway

In Norway, the public health insurance system is the primary provider of healthcare coverage, and it is part of the National Insurance Scheme (NIS). There are also private health insurance companies that offer supplementary coverage. The most popular health insurers in Norway include companies like Storebrand, Gjensidige, and DNB. Expats are eligible to purchase health insurance from these companies, which can provide additional benefits and quicker access to certain medical services that may not be fully covered by the public system.

Expat Health Insurance in Norway

Expats living in Norway may opt for specialized expat health insurance plans. These plans can offer more comprehensive coverage, including medical evacuation, repatriation, and services that may not be fully covered by the Norwegian public healthcare system. Some expats choose these plans for the peace of mind they offer, especially if they frequently travel or have specific health needs that are better covered by international insurance providers.

Local Health Insurance vs. Expat Health Insurance

While many expats and digital nomads in Norway are covered by the local health insurance system after registering with the NIS, some still choose specialized expat health insurance providers for additional coverage. The choice often depends on personal circumstances, such as the length of stay, the level of healthcare coverage desired, and whether the individual travels often or requires specific medical services that are more comprehensively covered by expat health insurance plans.

Considerations for Health Insurance Abroad

When deciding on health insurance while living overseas, it's important to consider factors such as the extent of coverage, whether the insurer pays the hospital directly or if you'll need to pay upfront and submit claims for reimbursement, and the ease of accessing healthcare services. Additionally, consider the network of hospitals and doctors covered by the insurance, the process for seeking medical care in an emergency, and the support available for navigating the healthcare system in a foreign language.