Insurance for entry into Norway: who needs it, rules for obtaining it for different visa categories, and where to purchase it?

If you are planning a trip to Norway for work, study or tourism, in most cases you will need a valid health insurance policy. Find out which categories of foreigners are required to have health insurance and for whom it is a necessary element of safe travel

An insurance policy is a guarantee of your safety and peaceful stay outside Ukraine

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In this article, we have compiled information on the main aspects of medical insurance for people planning to visit Norway. You will find information on the mandatory insurance requirements for obtaining a residence permit or long-term visa. In addition, we will consider recommendations for obtaining medical insurance for short trips without visa obligations. Special attention will be paid to medical support for refugees, as well as the requirements for the mandatory ‘Green Card’ for motorists.

Planning a trip to Norway? Make sure you have reliable insurance.

Who needs insurance to enter Norway?

According to official sources and Norwegian legislation, medical insurance requirements for entry into the country depend on the nationality of the person and the purpose of their stay.

Who needs medical insurance to enter Norway?

According to the official website of the Norwegian Directorate of Immigration (UDI), medical insurance is a mandatory requirement for the following categories of foreigners applying for:

1. Residence permit (Residence Permit) on the basis of:

– education (if the duration of education exceeds 3 months).

– work (in most cases).

– family reunification (in some cases).

2. Long-term visa (national visa) for stays exceeding 90 days.

Read about the specifics of employment in Norway on the Visit Ukraine portal.

For whom is medical insurance desirable for entry into Norway?

According to the official website of the Norwegian Directorate of Immigration (UDI), medical insurance is strongly recommended for the following categories of persons entering Norway:

Tourists and persons on short-term visits (up to 90 days): Although medical insurance is not a mandatory requirement for entry for tourist purposes or on a short-term Schengen visa, the UDI strongly recommends that you have a medical insurance policy that will cover the cost of treatment in case of unforeseen health problems or accidents during your stay in Norway. Medical services in Norway can be quite expensive, and having insurance will help you avoid significant financial expenses.

Citizens of countries with which Norway has visa-free agreements for short-term travel: Even if your category of citizens does not require a visa for short-term stays, taking out medical insurance is a wise step to ensure your financial security in case you need medical assistance.

What medical assistance is available to refugees in Norway?

Information about medical assistance for refugees in Norway can be found on the official website of the Norwegian Refugee Council (NRC) and on the website of the Norwegian Directorate of Immigration (UDI).

In general, persons who have been granted temporary protection in Norway are entitled to necessary medical care while their case is being processed. The scope and conditions of medical care may vary at different stages of the asylum procedure.

During the asylum application process: Emergency medical care and treatment for acute illnesses are usually provided. Accommodation in refugee centres often includes access to basic medical services.

After obtaining refugee status: Persons who have been granted temporary protection in Norway usually have access to the health care system on an equal footing with Norwegian citizens, although there may be certain restrictions at the initial stage.

Basic information for Ukrainian refugees in Norway has been compiled in our previous article. Find out everything you need to know about housing, work, education and applying for temporary protection for Ukrainian migrants.

What car insurance policy should you choose to enter Norway?

To enter Norway by car, you must have a valid motor vehicle liability insurance policy, known as a ‘Green Card’.

The Green Card is an international insurance certificate that confirms the existence of civil liability insurance coverage in the member countries of this system, including Norway (designated ‘N’ or ‘Norway’).

Before travelling to Norway, make sure that your Green Card:

– is valid in Norway;

– is valid for the entire period of your stay in the country.

If you do not have a Green Card or it is not valid for Norway, you will have to purchase border insurance (Frontier Insurance) at the border crossing point. However, obtaining a Green Card in advance from your insurance company is a more convenient and often cheaper option.

General requirements for insurance policies for short-term and long-term trips

Insurance policy requirements under Norwegian law

The insurance policy must meet certain requirements, including:

1. Coverage of medical expenses, hospitalisation and repatriation in the event of illness or accident.

2. Minimum coverage, which may vary depending on the purpose of the stay. It is recommended to check the current requirements on the UDI website.

3. Valid for the entire period of the planned stay in Norway.

4. Issued by an insurance company that is authorised to provide services in Norway or has relevant agreements with Norwegian insurance companies.

Mandatory insurance requirements for Schengen countries

1. The amount of insurance coverage significantly exceeds €30,000, which guarantees full reimbursement of expenses for medical treatment, repatriation, and treatment of COVID-19.

2. The insurance policy provides a wide range of medical expenses coverage, including doctor consultations, inpatient treatment, purchase of medicines and other necessary medical services.

3. The insurance coverage extends to all countries in the Schengen area.

Earlier, we talked about the cost of living in Norway. You can find prices for food, housing, entertainment and leisure activities at the link.

What kind of insurance can you get in Norway?

Before travelling to Norway, we recommend that you take out insurance in your country of residence. Of course, you can do this upon arrival in the country, but in this case, there is a risk of encountering a number of unpleasant situations, such as:

– limited coverage (only Norway);

– high prices;

– misunderstanding of the nuances of Norwegian legislation;

– possible misunderstandings in translation.

Taking out medical or travel insurance from Ukrainian insurers has a number of advantages:

1. Convenient online application: Ukrainian insurance companies offer a wide range of insurance programmes that can be easily and quickly purchased online.

2. Consideration of specific needs: Local insurance agencies are well aware of the needs of Ukrainian travellers and potential medical risks during trips abroad, which is reflected in the terms of their insurance policies.

3. Cost savings: Insurance policies from Ukrainian companies are usually more attractive than those offered by foreign insurers.

4. Contribution to the national economy: Purchasing an insurance policy from a Ukrainian company supports the domestic insurance market and contributes to Ukraine's economic growth.

5. Optimised settlement process: Ukrainian insurance companies have established practices for working with Ukrainian clients, which can simplify the process of receiving insurance payments in the event of an insured event.

What does insurance from Ukrainian insurers cover?

Medical and travel insurance policies can be purchased on the Visit Ukraine portal. Before doing so, we recommend that you familiarise yourself with the risks they cover.

What are the advantages of a medical insurance policy on Visit Ukraine?

A standard medical insurance policy covers the following insured events:

– initial examination by a doctor and diagnostic procedures;

– outpatient and inpatient treatment;

– emergency medical care, including hospitalisation;

– compensation for the cost of medicines prescribed by a doctor;

– payment for transport to the nearest medical facility in case of emergency;

– emergency dental care.

An extended medical insurance package may include additional coverage for expenses such as vaccinations, emergency surgery, and repatriation of the insured person's body in the event of death. In addition, the policy may cover other risks that may arise during travel:

– flight delays or cancellations;

– loss or damage to luggage;

– payment for emergency telephone calls;

– compensation for damage to personal vehicles as a result of a traffic accident.

Take care of your well-being and peace of mind during every trip – choose medical insurance at Visit Ukraine!

What are the advantages of a travel insurance policy from Visit Ukraine?

A travel insurance policy provides financial protection in the event of the following:

– payment of medical expenses, including inpatient or outpatient treatment;

– coverage of the cost of emergency dental care;

– organisation and payment of evacuation and transport of the insured person;

– expenses for repatriation of the body to the home country or organisation of burial abroad;

– compensation for losses in case of cancellation or significant delay of a flight;

– reimbursement of the cost of lost luggage due to the fault of the transport company;

– provision of legal advice;

– financial protection in case of a traffic accident.

Ensure yourself a carefree trip – take out travel insurance with Visit Ukraine today!

How much does insurance cost?

Medical insurance

Travel insurance

On the Visit Ukraine portal you can choose a policy for travelling to any country in the world!

Advantages of taking out insurance with Visit Ukraine

1. Instant calculation and easy registration: The cost of the policy is determined immediately, and the purchase process takes only a few simple steps online.

2. Affordable price and various payment options: We offer the best value for money and convenient payment methods.

3. Guaranteed security and instant delivery: The policy is sent to your email immediately after payment, ensuring fast and secure access to insurance coverage.

4. Personalised choice of insurance coverage: You can choose the most suitable coverage option based on your individual needs and financial capabilities.

5. 24/7 customer support: Our support team is ready to help you at any time of the day.

Get your insurance policy and travel to Norway safely!

Reminder! Earlier, we told you how Ukrainians can obtain a residence permit after registering for temporary protection in Norway.

Photo: generated by Gemini