Hiker against Norwegian backdrop


Health & medical insurance in Norway

With its beautiful landscapes, view of the northern lights, and one of the lowest crime rates in the world, it’s no wonder Norway is such a popular destination for expats and students. If you’re thinking about living in Norway for work or studies, it’s useful to understand how to access the healthcare you need, and what you’d like cover for.

State Healthcare isn’t completely free in Norway, whether you register as a resident or simply visit on your travels. You will generally need to pay an ‘access fee’ each time you receive state funded treatment. For that extra reassurance, with our private health insurance in Norway you can pay a predictable premium and have cover that suits you.

Older couple smiling

Helping you find your way

Navigating a different healthcare system can be confusing, but we can help make it simple. As a member you’ll have access to helpful tools so you can make a claim online or find a provider near you, wherever you are in the world.

Our teams are available any time by phone to answer your questions, and we work round-the-clock to process your claims. Meaning that over 80% are paid within just two days¹, leaving you with more time to focus on getting better and to explore your new surroundings. 

Man talking to doctor

Access the treatment you need

We can help you access the in-patient or out-patient treatment you need during your time in Norway. No matter which of our plans you choose, you’ll be covered for CT, MRI and PET scans, as well as surgical procedures, radiotherapy and chemotherapy if you should need it.

You can avoid unexpected bills and have the simplicity of a predictable premium. You can also choose how you’d like to pay: monthly, quarterly or annually – depending on what suits you. 

Doctor and child patient

By your side in an emergency

You can rely on us to be there for you when you need it most. With our international health insurance in Norway, you will have the reassurance of knowing you are covered in an emergency, whether you’re staying in Norway, or if you decide to travel elsewhere.

We make sure you’ll be covered for emergency evacuation and repatriation, no matter which level of cover you choose. So, if you can’t get the treatment you need locally, we’ll get you to where you can, and back again. We know this can be expensive, so we don’t take this out of your overall benefit allowance. 


virtual doctor appointment

Speak to a doctor, virtually anywhere

If you need to see a doctor during your time in Norway, we can help you find a doctor’s surgery in your local area.

If you’d prefer, you can also speak to a qualified doctor via video call or on the phone, at a time that suits you. You can use the independent Virtual Doctor Service to talk to a doctor in a range of languages – so no need to worry about language barriers.

You can use the service as much as you need to at no extra cost, no matter the level of cover you choose.

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Get a quote today

Give us a call on +44 (0)1892 596418*.

International health plan

Dental Care

In Norway, state funded dental care is available for children and limited dental treatments for adults². If you’d like to complement your local cover with private health insurance that gives you access to a wider range of dental treatment, then it’s good to know that if you have any accidental issues with your teeth, the treatment is covered on all our plans. With some of our cover levels, you can also choose to be covered for routine treatments such as check-ups, or a scale and polish. 

Pregnancy and maternity benefit

Pregnancy Cover

Routine maternity services and scans are covered by the Norwegian state but can require additional payments from you. To avoid any unpredictable bills, and for more cover for things like postnatal consultations, you can choose to include pregnancy cover with some of our plans. Read our page on the pregnancy and maternity benefit for more information on what’s included and how the cover works.

*Lines are open Monday to Friday, 8am-5pm (GMT).

Calls may recorded and/or monitored for quality assurance, training and as a record of the conversation.

¹Based on 225,124 claims submitted online in 2019 and processed by AXA Global Healthcare (UK) Limited