Is Health Insurance Required When Moving to Norway?

Moving to Norway as an expat or digital nomad comes with the excitement of experiencing a country known for its high quality of life, stunning natural landscapes, and a strong social welfare system. One of the critical aspects to consider before making the move is understanding the health insurance requirements. Norway has a universal public healthcare system that covers residents, but as a newcomer, you may not have immediate access to this system. It is essential to have health insurance coverage that meets specific requirements during the initial period of your stay, before obtaining residency or enrolling in the public healthcare system. The minimum coverage amounts, length of coverage required, and other specifics can vary, so it's crucial to be well-informed to ensure a smooth transition to your new life in Norway.

Does Expat Health Insurance Meet the Requirements?

For expats and digital nomads moving to Norway, it is generally required to have health insurance that will cover you until you become a member of the Norwegian National Insurance Scheme. The coverage should be comprehensive, including emergency treatment, hospitalization, and repatriation if necessary. Expat health insurance policies are designed to meet these requirements, providing the necessary coverage during the initial period of your stay. It is important to check that the policy you choose is accepted by Norwegian authorities and provides coverage equivalent to or greater than the public healthcare system. Once you are a registered resident and a member of the National Insurance Scheme, you will then be covered by the Norwegian public healthcare system.

Which local health insurers offer this type of insurance?

In Norway, there are several local health insurance providers that offer coverage suitable for expats and digital nomads during their initial period of stay. Some of the well-known insurers include Helfo (the Norwegian Health Economics Administration), which provides information on health rights and services, and private insurance companies such as Gjensidige, Tryg, and Storebrand. These insurers offer various plans that can be tailored to meet the requirements for newcomers to Norway. It is advisable to compare different policies and ensure that the insurance plan you select provides adequate coverage until you can access the public healthcare system.

Advice from Expats in Norway about Health Insurance

Expats living in Norway often emphasize the importance of understanding the local healthcare system and ensuring that your health insurance is in order before arriving. They recommend thoroughly researching and choosing a health insurance plan that offers coverage from the day you arrive in Norway. It's crucial to ensure that the policy covers all necessary medical services and has a high enough coverage limit to avoid any out-of-pocket expenses for unexpected medical issues. Additionally, expats advise reading the fine print and understanding the claims process to avoid any complications. Lastly, it's beneficial to learn about the public healthcare system and the process of enrolling in the National Insurance Scheme, as this will be your primary healthcare provider once you are eligible as a resident.