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Looking for medical incident insurance as an expat? Read about private health insurance for expats in Norway by clicking here now.
With its high salaries and lofty standard of living, it's no surprise that individuals and families look to relocate to Norway. However, not all temporary expats have to or can to participate in Norway's National Insurance Scheme — FOLKETRYGDEN. As such, they most likely find themselves looking for Medical and Accident Insurance from a Private Insurance Provider.
But is this type of insurance necessary? Yes. Private Health Insurance in Norway helps offset medical bills' cost, protecting you and your loved ones.
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This article explains everything you need to know about Private Health Insurance for Expats in Norway, so you're prepared when coming to this beautiful country.
Why Do You Need Medical Incident Insurance?
Although expats and foreign citizens can access Norway's Public Healthcare System, many people invest in Private Medical Insurance Plans. This works to reduce wait times when you need to see a physician and can provide you with faster, more affordable service. Private Medical Insurance is intended to help speed up the use of specialists in private clinics for up to 10 days.
Norway's National Public System — HELFO is part of the European Social Security System and Cards. This means that everyone receives free healthcare, although they have to pay a deductible — FRIKORT until NOK 3165 per year (2024). However, teenager until 16 and younger receive completely Free Public Healthcare. Some other groups also do not have to pay a deductible for examination and treatment.
Patients who have paid deductibles - up to the deductible ceiling - don't have to pay deductibles for the rest of the calendar year. Processors and service providers must report all approved deductibles at least every 14 days.
Calculate International Travel and Medical Insurance Premium Online
Calculate International Travel and Medical Insurance Premium Online
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Patients from EU/EEA are entitled to receive healthcare in another EU/EEA country and subsequently apply for reimbursement of their expenses.
The best way to offset the cost of healthcare in Norway is with a Private Insurance Plan. You can work with a trusted advisor to receive free insurance quotes in Norway, so you know exactly what coverage options you have and what each plan costs.
Types of Insurance for Expats
Expats can easily apply for the best insurance quotes in Norway. They can purchase healthcare coverage privately or through their employer. Although Personal Insurance and medical treatment insurance are optional in Norway, it covers everything from family doctors to dentists, so it's a worthwhile investment.
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The cost of Private Medical Health Insurance in Norway depends on your age, gender, and scope of your policy plan.
Expats can choose from a variety of plans. These include more basic plans that cover major medical emergencies, such as major illnesses and emergency care.
Pricier plans also include options for dental and optical visits, along with maternity and childbirth coverage for a certain amount of months. These plans also offer free coverage for up to two children under the age of 10. Yes, children at this age receive free public health insurance, but having them protected under a private plan offers exceptional care.
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Invest in Insurance for Expats and Foreign Citizens
If you're an expat or foreign citizen in Norway, it's worth looking into Private Medical and Accident Insurance. Although the country offers public healthcare, it's not free for individuals over 16. Additionally, there are certain drawbacks to public health insurance, such as longer wait times.
The best workaround is to purchase Private Healthcare Insurance in Norway. The localmarket.no is here to help you find the best local services in Norway. This includes Car Insurance, Home Contents Insurance, Travel Insurance, Private Health Insurance, Business and Personel Insurance, Life Insurance, and more. Contact us today to see how we can help.
