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An expat’s introduction to healthcare in Norway

Fjords, whale meat, and trolls -- if you’ve been thinking about these three seemingly unrelated things lately you must be moving to Norway!

An expat’s introduction to healthcare in Norway
Photo: monkeybusiness/Depositphotos

But hold on just a moment! Before you don your bunad and commence your Norwegian adventure, there are a few fiddly administrative things to sort out (isn’t there always?). For one, getting yourself registered with a doctor and knowing who to call in case you sprain your ankle doing the hallingdans.

The good news is that Norway’s healthcare system is one of the best in the world. It’s predominantly financed by the government and administered by each kommune (municipality), with both public and private services and facilities.

The even better news is that anyone who contributes to folketrygden, the country’s National Insurance Scheme (NIS), can use its services.

If you’re eligible you’ll get full reimbursement of all costs associated with childbirth, treatment of children under the age of 16, and treatment of any work-related injuries. Parts of your healthcare costs will also be covered by the scheme, although you do have to “co-pay” a small fee for certain things like GP appointments or prescription medicines.

But before you can take advantage of the healthcare coverage, you’ll need to be registered in the National Register (folkeregister) as a resident of your local municipality. If you’re planning to work in Norway for a year or more you’ll automatically become a member of folketrygden from the moment you start paying taxes.

If you’re living in Norway but don’t have access to public healthcare, you should look into private health insurance like the packages offered by Cigna Global to make sure you have the appropriate cover. If you’re not insured, you’ll end up having to pay your medical expenses in full so it really is best to make sure you’re protected.

Find out more about Cigna Global Health Insurance

Finding a doctor

Most local areas have a helsesenter (public health centre) where you can see a fastlege (GP). All residents of a Norwegian municipality are entitled to register with a GP, who is responsible for examination, diagnosis, treatment, and prescribing medicine.

You can find and change GPs (up to twice a year) by logging into the Bytte fastlege service on the Helse Norge website. To access the site you’ll need your Bank ID, Buypass ID, or Commfides USB or card details to hand.

Once you’re registered all you need to do is call up and make an appointment. When you arrive at the clinic you should sit in the waiting room and wait for the doctor to call your name. There’s no need to fill in any paperwork or check in at the reception.

Many doctors in Norway can speak English, although you have the right to an interpreter if you can’t speak Norwegian. It’s always a good idea to call ahead and double check so an interpreter can be arranged if necessary.

You will be charged a small patient fee to see the doctor, generally around 180 kroner ($23); however, once you have paid more than a certain amount in fees, just over 2,000 kroner ($252), you get an exemption card and treatment is free for the rest of the year.

Emergency care

If you have an accident or need urgent care and can’t wait to see your GP, you can visit your nearest legevakt (emergency room). All municipalities in Norway have an emergency room that’s open 24 hours a day. You should call 116 117 to get in touch with your local emergency room. If the situation is life-threatening, you should call 113 straight away.

All immediate healthcare costs are covered, so you won’t be charged for emergency care.

Specialist care

Healthcare in Norway is divided into primary and specialist services. Your regular GP is responsible for referring you to a specialist, so they should always be your first port of call. However, unless it’s urgent you may end up waiting for a doctor’s appointment, and several more months to see a specialist.

Many people prefer to take out private health insurance as they can skip out the middleman and will be seen by a specialist much faster. When you choose a package with Cigna Global all specialist consultation fees will be paid in full, including intensive care by a specialist for as long as medically required.

Pharmacies

Each district ensures there is always one apotek, or pharmacy, open around the clock. You can find out the opening hours from the pharmacy itself or by calling directory assistance on 180.

All prescription medication and over-the-counter drugs are available in Norwegian pharmacies. The amount you have to pay for the prescription depends on whether it is “blue” or “white”.

You will get a blue prescription if you are suffering from a chronic illness and need medicine or special treatment for three or more months a year. Patients pay 39 percent of the cost of blue prescriptions (up to 520 kroner per prescription); you will have to pay white prescriptions in full, although fees may be covered if annual costs exceed 1775 kroner.

Insurance

The standard of healthcare and medical treatment in Norway is very high, but many expats still prefer to take out private health insurance while living abroad. Knowing you are covered no matter what happens can make you feel more relaxed throughout the relocation, and provide you with peace of mind in a country where you’re unfamiliar with the healthcare system.

Click here to get a free quote from Cigna Global

This article was produced by The Local Client Studio and sponsored by Cigna Global.

 
For members

PROPERTY

How not to buy a house in Norway: Five pitfalls to avoid 

Buying a home in Norway comes with many challenges, from the dreaded bidding rounds to the small print. Here are some of the mistakes you need to steer clear of. 

How not to buy a house in Norway: Five pitfalls to avoid 

Norway’s property market moves quickly, and most homes do not spend too long on the market. 

Furthermore, rising property prices can make it feel like it’s constantly getting harder and harder to get on the property ladder. 

However, despite rising prices and the market’s breakneck speed, it’s important not to rush into things and end up making a massive mistake. 

Not sorting your paperwork 

Before you are ready to start putting in offers on houses, you will need the mortgage offer from the bank. Therefore, you should fix this before really getting stuck into viewings. 

Banks in Norway offer mortgages of up to 85 percent of a home’s value, with a 15 percent deposit required. 

They will also stress-test your finances against interest rate raises and consider factors such as your income and any existing loans you may have. In Norway, your debt typically can’t exceed five times your income when purchasing a property. 

Once you’ve got an offer, you can approach other banks to see if they will better the offer you received, and after this, you are ready to begin searching as you know what you can afford. 

READ ALSO: What foreign residents in Norway need to know to get a mortgage

Not reading the small print 

There is quite a lot of important small print when purchasing a house that will cost you big time if you don’t properly read it. 

All homes in Norway generally come with an in-depth report on the property’s condition, and in most cases, the buyer is responsible for uncovering flaws in the property. 

During a condition report, an appraiser will check for deterioration on the property, assess the materials used in the construction and thoroughly evaluate the home for any areas where maintenance will be required in the immediate or near future. 

Pay particular attention to things like the electrics, plumbing, kitchen, bathroom, and moisture damage, as repairs to these can be incredibly expensive. 

Then there’s the information about the housing association to which many, but not all, homes in Norway belong. 

It is crucial to check the association’s monthly costs and shared debt, as well as any future plans for major renovations that could increase those costs. 

Being able to tell a well-run housing association with healthy finances from one in a more perilous position can make or break whether a home is for you.

READ ALSO: How to analyse a Norwegian housing association’s finances

Showing the realtor your proof of funds 

Banks issue proof of funds certificates (Norwegian: finansieringsbevis). However, you should never show this to the realtor selling the property. 

This is because it will reveal how much money you have available, and as the realtor is working for and being paid by the seller, they will do what they can to ensure a higher price for the seller. 

Bidding on homes that you aren’t quite sure about 

Once you have your mortgage offer or proof of financing, you can put in offers on homes. 

Be warned, though. You shouldn’t just put in bids to be involved and get a feel for the market. 

You also shouldn’t put in offers on “maybes” either, as all bids in Norway are legally binding. 

This means that you could end up having to buy a property you put a speculative bid on if it is accepted by the owner. 

Agents do their utmost to prevent people from bidding on more than one home at a time, but some offers can slip through the cracks, so you also need to make sure you only bid on one property at a time. 

You also need to make sure you don’t offer more than you have, as you will be expected to follow through with the purchase. 

It is incredibly difficult to back out of a home purchase in Norway, and if you do manage to wriggle out of the process, it will likely end up costing you quite a lot of money. 

Not having money for the other costs 

Given that property is typically the largest purchase of most people’s lives, it’s easy to lose track of the smaller costs. 

One of these is stamp duty (dokumentavgift). When buying a freehold property in Norway, you will need to pay 2.5 percent of the purchase to the state in stamp duty. 

Banks in Norway don’t offer financing for stamp duty. So it’s worth remembering that you will need to pay this cost. 

One advantage of buying into a housing association is that you will not need to pay stamp duty. 

READ MORE: The hidden extra costs when buying property in Norway

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