International healthcare, medical insurance in Oslo


Most of the people who live or work in Norway are mandatory members of the Norwegian National Insurance Scheme (Folketrydgen) which allows for patients to receive medical care completely subsidized by Norway's admittedly high taxes (around 8-11%), loosely translated as "public benefits fee" (trygdeavgift og Folketrygden). This is regardless of nationality, and a very centralized system. Employers are responsible for registering their employees with the program.

Health centers (helsesenter), located in most communities, handle routine medical needs for plan members. In order to see a specialist, it is necessary to first see a general practitioner and receive a referral. Norway also offers special clinics for baby care (helsestasjon)in which children under school age are weighed and measured on a regular basis and given the necessary immunizations. Nurses are also available to answer questions and discuss concerns.

A common issue with nationalized health care is long wait times and this is true for Norway as well. The average weight for a hip replacement is more than 4 months. Approximately a quarter of all patients referred for hospital admission have to wait longer than three months for admission. Also, care can be denied if it is not deemed to be cost-effective.

This system also ensures members retirement pension, disability pension and dependant's pension, as well as compensation for occupational injury.

Private Insurance

Norwegian's can opt out of the public insurance option and pay out-of-pocket. This allows people to travel abroad for medical care when waiting lists are long. Another benefit is that private patients generate higher earnings for medical professionals, and may be treated with care. A private patient can also more easily request a doctor who speaks their native language.

Cosmetic surgery in general needs to be provided for by private insurance.

Update 17/08/2010


Facebook Twitter LinkedIn Pinterest WhatsApp Addthis

Recommended Partners

Expatriate health insurance in Norway

With so much to deal with before leaving your home country, (taxes, moving house, paperwork etc.) the careful planning of your expatriation to Oslo is an essential step. As far as healthcare is concerned, your local social security scheme won’t be accompanying you to your host country and, once abroad, you might be surprised by the care system you find in Norway So, before leaving, make sure you have appropriate cover!

Cigna Logo

Cigna is one of the world's biggest international insurers with more than 30 years' experience in providing global health insurance across 200 countries and territories. They have access to more than 1.65 million hospitals, physicians, clinics and specialists worldwide.

Cigna Global's flexible plans are specifically designed for expats and globally mobile individuals who move to Norway. All their plans can be tailored to your individual requirements in Norway, always finding the right healthcare solution, whatever the situation and budget.

Getting a health insurance quote

Create your perfect plan with Cigna and combine the reassurance of comprehensive inpatient cover with the flexibility of optional extra benefits.

Click on the button to access the online tool and get a quote in 2 minutes.

Do you have comments or personal information to communicate about this article? Add your comment.

Find more definitions and general answers on expatriation issues in the Expat FAQ (Frequently Asked Questions).

Go to the Forum to talk more about international healthcare, medical insurance in Oslo, healthcare.

Download the full digital PDF expat guide in Oslo

Download the guide: Oslo, Norway
  • See in one single booklet all the articles for a city guide for expatriates.
  • Enjoy full colour photos to illustrate each section.
  • Additionnal maps: Region, City view, Neighborhood, Street view.

  • - My Life Abroad -
    A selection of expat stories

    "A fun compulsive read!"
    J. Matcham, Amazon

    "I strongly advise people ready to live abroad to read this book!"
    Patrice, Amazon