Private Health Insurance

Private Health Insurance (Helseforsikring/Behandlingsforsikring) in Norway is designed to complement the Public Healthcare System (Folketrygden via HELFO). It provides faster access to specialists, private clinics, diagnostics, and treatments, helping you avoid long waiting times and giving you more choice in where and when you receive care.

Most standard private health insurance plans in Norway do not include dental care, as this is usually offered as a separate Dental Insurance policy. However, some insurers provide combined packages or optional add-ons to cover preventive dental check-ups, fillings, crowns, and other treatments.

This means you can get a refund for costs you have paid out-of-pocket for outpatient services, such as consultations, diagnostics (labs, imaging), or prescribed treatment at private clinics. Depending on the plan, reimbursement may be partial or full, and requires you to submit receipts or documentation.

Yes. Expats, foreign workers, and students living in Norway can purchase private health insurance to complement Folketrygden or, in some cases, to secure access to healthcare while waiting for public registration. Plans can be tailored to individuals, families, and Non-Residents via International Health Plans.

Yes. Several insurers in Norway offer specialized private health insurance for people aged 55 and above. These plans focus on age-related needs, such as faster access to diagnostics, chronic disease follow-up, physiotherapy, and mental health support. Premiums may be higher, but they provide valuable security and comfort.

The best approach is to compare offers from multiple insurers. Look at factors such as: * Coverage (general, dental, mental health, physiotherapy, seniors) * Waiting times for specialist treatment * Monthly premiums and co-payments * Reimbursement procedures * Flexibility for expats or families * Access to a wide network of healthcare partners in Norway and abroad Our advisors can provide a side-by-side comparison tailored to your situation, ensuring you get access to trusted medical partners both locally and internationally.

With private health insurance, you usually get guaranteed access to a specialist consultation within 5–10 working days (depending on the insurer). For diagnostics such as MRI, CT scans, or lab work, waiting times are typically much shorter compared to the public system. Treatment and rehabilitation are arranged without unnecessary delays, giving you peace of mind and faster recovery.

Yes, it a Helseerklæringsskjema (Health Declaration Form) When applying for private health insurance in Norway, you will normally be asked to fill out a helseerklæringsskjema. What it includes: General health status Past illnesses, injuries, or surgeries Current medications and treatments Lifestyle details (e.g., smoking) Why it is required: To assess risk and decide acceptance of the insurance To determine if exclusions or waiting periods are necessary To ensure faster and correct medical support once the policy is active Important: You must answer truthfully and completely. Incomplete or false information can make your policy invalid. Your information is kept confidential under GDPR and insurance laws.