Required insurance for your stay at INN

All students from EU/EEA countries must have health insurance from their home country. The European Health Insurance Card (EHIC) documents that you are entitled to medical treatment during your stay in Norway (and other EEA countries and Switzerland if you wish to travel) (external link). 

The card does not cover dental care, prescription drugs, or expenses related to illnesses contracted before arrival in Norway. If you decide to use private health insurance, please check with your insurer whether your coverage includes Norway.

Upon registering with the police, you must present documentation of valid health insurance. You can present the EHIC card, which entitles you to reimbursement from your national health provider for the cost of your treatment in Norway. If you do not have the EHIC card, you must present other insurance documentation. 

• If you only have the EHIC card on your phone (e.g., Dutch citizens), please request a physical copy. This is recommended if your phone is inaccessible. The Police do not accept digital versions.

All students from countries outside the EU/EEA must have private or public health insurance before travelling to Norway from their home country. Travel insurance is highly recommended. No student should arrive in Norway without insurance. 

Additional insurance for non-EU/EEA citizens

Students from non-EU/EEA countries can join the National Insurance Scheme (external link) if they stay in Norway for more than 3 months. Becoming a member of the Insurance Scheme takes time and can only be done after obtaining the Norwegian identification number. All students should have social security coverage from their home country until they are assigned a GP (family doctor).

However, please be aware of the following:

• Students with a membership will be assigned a GP.
• Coverage applies to medically necessary, state-provided healthcare under the same conditions and costs as Norwegian citizens. However, all students must pay the patient charges.
• It does not cover dental care or illnesses contracted before arrival.
• The membership applies only to coverage in Norway. It does not apply as travel insurance or health insurance in other countries. Students cannot be refunded costs under the scheme for treatment in different countries. Students are strongly advised to have travel insurance from their home country that is valid for their stay at INN.

Staying in Norway between 3 and 12 months

Students can apply for voluntary membership in the National Insurance Scheme (external link in Norwegian). You must have private or public health insurance to cover the first months in Norway. However, be aware that there are no guarantees that you will be granted membership. 

Students who do not complete this form or who stay in Norway for less than 3 months should have social security coverage from their home country.

How to apply:

• Please complete the form entitling you to social security coverage (PDF) for health services under the National Insurance Scheme.
• Submit the following documents:
• Letter of Admission
• Passport
• Residence permit card
• Norwegian ID number (or you must apply for a D-number while applying)

Send the form to the Insurance Office (external link) in the municipality where you are staying (view local NAV offices), not the International Office at INN.

Staying in Norway for longer than 1 year

When your stay in Norway exceeds one year, you automatically become insured under the National Insurance Scheme upon registering as a resident in Norway with the National Registry (external link). 

Please view the information further down on this webpage where we explain about purchasing insurances in Norway.

Upon registering a move to Norway (external link), students become members of the Norwegian National Insurance Scheme. This is only possible for students staying for more than 6 months.

However, to be entitled to health services in Norway, one does not need to be a member of the scheme. ID and proof of home address in Nordic countries (Denmark, Norway, Sweden, Finland, Iceland, including the Faroe Islands, Greenland, or Åland) are enough. Students are advised to save their receipts to apply for a refund in their home country.

Exchange students are recommended to keep the health insurance and any other insurance they have/purchased in their country of study while staying at INN. 

Cancelling the health insurance in your home country/country of study might result in you losing the right to study in that country. 

Students staying in Norway for more than one year will automatically become insured under the National Insurance Scheme upon registering as a resident in Norway with the National Registry (external links). 

However, you most likely need other insurance during your stay, such as car insurance, home contents insurance, travel insurance, and specific personal insurance, if you do not wish to keep the insurance from your home country. To apply for insurance in Norway, you will need a Norwegian ID number, a Norwegian bank account, and a Bank ID. Check out Finansnorge's webpage on common insurances and how to become an insurance customer (external link).

Here are some examples of companies that offer insurance, that also have proper English webpages:

• DNB (external link).
• IF (external link)

There are many other insurance companies as well, but they do not have proper English webpages. It is then recommended to either translate the webpage or talk to the company directly.