Health insurance in Norway for foreign expats

Norway offers all its citizens and registered residents universal health coverage through the National Insurance Scheme (NIS), or Folketrygden. The government’s Ministry of Health monitors the public system and defines the country’s healthcare policy, which promises healthcare to all, regardless of their age, income, or place of residence. This state-run public healthcare system is funded by automatic salary contributions, which are shared between employers and their employees, as well as taxes and a subsidised co-payment system.

The Ministry of Health oversees Norway’s four Regional Health Authorities (RHAs), which manage specialty care and run Norway’s public hospitals. Meanwhile, primary healthcare and social care services are delivered on a more local level by Norway’s various health regions and municipalities. This municipal structure means your experience of accessing and using healthcare services in Norway may differ depending on where you live.

The process for accessing Norway’s healthcare system won’t be the same for everyone. It’ll depend on where you live, your employment status and your nationality, so it’s always worth doing plenty of research before you move. Rules and regulations for membership with the National Insurance Scheme can be found here, but here are a few things to be aware of.

Registration

The first step in accessing Norwegian healthcare is to register as a resident on the Norwegian National Population Registry (Folkeregisteret). You’ll receive a Norwegian ID number, which is the same number you’ll use to access healthcare services.

Employee contributions

If you’re employed in Norway, your employer should handle the paperwork to register you and set up your salary contributions for the NIS. You’ll have access to healthcare services when you receive your first salary payment and start paying taxes. Your contribution to Norwegian healthcare will be around 8% of your annual income, with your employer making an additional contribution on your behalf. All payments are automatically deducted from your salary each month.

Self-employed

If you’re a self-employed expat in Norway, you’ll have access to the same healthcare cover through the NIS, but you’ll have to handle the registration yourself. Firstly, you’ll need to become a resident via the Folkeregisteret and then register your business on the national registry. You can then sign up to the National Insurance Scheme and set up monthly salary contributions, which are just over 11% of your earnings.

European Health Insurance Card (EHIC) & Global Health Insurance Card (GHIC)

As Norway is part of the EU, you can use your European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) for medical treatment. If your care is deemed medically necessary, you'll have access to state medical care and receive treatment on the same terms as Norwegian nationals. It’s important to note, EHICs and GHICs only cover you for state healthcare, so you'll still be responsible for the cost of any private healthcare.

Doctors and GPs 

You first need to find a GP (fastlege) that works within your area or municipality. GPs often have an agreement with the local authority regarding the number of patients they take on, so you’ll be able to register with them as long as they have room. You’ll also need to make sure they’re registered into the state scheme. More information about doctors’ services, as well as a directory of GP surgeries, can be found on the Norwegian government’s healthcare website – Helsenorge.

To make an appointment, all you need to do is call your local clinic and arrange a convenient time. You may also be able to make an appointment online if they have that facility available. Your doctor is the first port of call for any primary health issues. They’ll diagnose, treat or advise on any concerns and prescribe medicine or refer you to a specialist if needs be. The Norwegian healthcare system is built on free choice, so you’re not only free to choose your own doctor, but you can also change doctors up to twice a year if you’re not satisfied for any reason. This can also be done via the Helsenorge website.

Specialists 

To see a specialist, you’ll need a referral from your GP. Norway is advanced when it comes to medical research and training, so there are specialists in most areas of medicine. You may find that, unless you have an urgent issue, it may be months before you can be seen by a specialist. These long waiting times can also mean that some GPs are reluctant to refer patients to specialists without exploring and exhausting other available treatment options.

With AXA – Global Healthcare we want to make it easy for you to find the right specialist. Our medical provider search tool list hospitals and specialists in your area.

Hospitals 

There are numerous public hospitals located throughout Norway, overseen by the country’s four Regional Health Authorities (RHAs) – Central, Western, Northern and Southern & Eastern.

You can either be admitted to a hospital by referral from your GP or a specialist, or you can be admitted there via the emergency services.

Emergency care 

In Norway, emergency healthcare is fully covered by the NIS. Every citizen and resident of Norway is eligible for emergency care regardless of their status. Ambulance services are also free and hospital emergency rooms are open 24/7, all year round. 

The emergency telephone number in Norway is 113.

Medicine

Prescription medication falls into two main categories in Norway: white and blue classifications. You’ll need to pay in full for any medicines in the white class, while blue medications tend to be for chronic issues and have subsidised costs to ensure they’re manageable. 

You’ll need a prescription from a Norwegian doctor to be able to get medication in the country. They’ll send your prescription to a central database, so you should be able to collect it from any pharmacy.

Pharmacies

A pharmacy in Norway is called an apotek and there are a lot of them located throughout the country. They generally operate during normal business hours, but you’ll also be able to find some 24-hour pharmacies in some larger cities.

You’ll also find most over-the-counter medications available to purchase in Norwegian pharmacies and, as in other countries, pharmacists in Norway may also be able to give you guidance or recommendations for minor issues.

Dental care

Dentistry is mostly private in Norway. For adults, this means you’ll need to pay for any routine dental services, although there are some exceptions for emergencies and chronic conditions or diseases. A private healthcare plan can help cover dental costs, so make sure this is included in your package before you go. 

Norway’s Public Dental Health Services offer free treatment (excluding braces) for children up to the age of 18, while young adults between the ages of 19 and 24 will have some of their dental costs covered. Full details on how dentistry works in Norway, including what treatments and conditions may be covered by the NIS, can be found on the Norway health website.

Salary contributions to the Norwegian National Insurance Scheme (NIS) will be around 8% of your income. But, while most healthcare costs are covered by the NIS, you’ll also be charged a small fee for certain appointments, products, and medical treatments. So, while healthcare in Norway is universal, it’s not free, except for people under the age of 16 and pregnant women.

You’ll be charged a small ‘user fee’ for various medical appointments and services, such as GP appointments. These can range from 160 kroner (c.$15) for a daytime GP consultation, to 375 kroner (c.$35) for a consultation with a specialist.² You’ll also have to pay user fees for treatments, investigations, and procedures at the hospital or in an outpatient clinic, as well as for physiotherapy or psychological treatment. 

The total amount you pay in user fees is capped each calendar year. The maximum user fee for 2023 is 3040 kroner (around $285).² Once you’ve reached that annual user fee limit, you’ll be issued with an exemption card, which means you don’t need to pay towards any other treatment for the rest of the year.

As all citizens and registered residents are covered by the public healthcare system, private health insurance is not mandatory in Norway. In fact, it’s thought that only around 10% of the population has private health insurance, and the majority of those have the benefit provided by employers.³

There are private hospitals and clinics throughout Norway, so private cover can provide access to more services and may reduce the amount of time you have to wait for certain procedures or appointments. You may also find that private healthcare providers have better facilities, though the quality of the care you receive is largely the same wherever you go. 

And, depending on what plan you take out, private health insurance in Norway can also cover the co-payments you’ll make for certain appointments as well as any services that aren’t included in the public healthcare scheme, including dentistry.

Norwegian healthcare is of a very high standard, which is often considered to be one of the best in the world.¹ It has highly trained medical professionals and offers a wide range of services, including primary and specialist care, emergency services, mental health services, hospital care and preventive health services. Norwegian hospitals and clinics are usually equipped with state-of-the-art medical facilities and hold themselves to a very high standard of care.