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Expat Exchange - Health Insurance in Norway
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Aker Brygge in Oslo, Norway


Health Insurance in Norway

By Betsy Burlingame

AGS Worldwide Movers
AGS Worldwide Movers

Summary: Making the move to Norway? One critical choice you'll face is between local health insurance and expat health insurance. Our article provides a comprehensive comparison of both, enriched with insights from expats in Norway on their personal insurance decisions.

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.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.


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AGS Worldwide Movers

AGS Worldwide Movers
AGS Worldwide Movers

Aker Brygge in Oslo, Norway

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