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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.

 
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MONEY

EXPLAINED: How wealthy is the ‘average’ Norwegian? 

Norway is known for its high wages and stable economy. New figures have revealed the wealth of the average resident in the Nordic country. 

EXPLAINED: How wealthy is the 'average' Norwegian? 

High salaries go hand in hand with the high cost of living in conversations about Norway.

However, other factors, such as high homeownership rates, indicate that there is plenty of disposable income for locals to save and invest in their futures. 

Previous studies have also suggested that Norwegians are the seventh wealthiest nationals in the world

Norway’s national data agency, Statistics Norway, has compiled its own set of figures indicating that the average Norwegian household has a net wealth of around 3.8 million kroner. 

Net wealth accounts for everything a person owns, including property, stocks, or cash, minus any debts or liabilities. 

The vast majority of this wealth was derived from the estimated value of property. This alone gives the average Norwegian an estimated wealth of 3.74 million kroner. 

READ ALSO: How much does an apartment in Norway cost?

The value of second homes was included, which skewed things as only around 10 percent of households owned a secondary residence. 

The average price of a home in Norway was 4.5 million kroner in March of this year, and house prices have increased substantially in recent years. 

Savings, cash, stocks and other capital accounted for 1.72 million kroner, giving Norwegians an average wealth of 5.46 million kroner. Average debts of 1.68 million kroner gave Norwegians an average net wealth of 3.8 million kroner.  

The figures from Statistics Norway were obtained using figures from tax returns for 2022, which were submitted in 2023.  

Those aged between 67 and 79 years old were the wealthiest generation in Norway on average. This is partly because they have more capital than most other groups and more expensive property. 

However, the most significant factor is the lower levels of debt. They had half the debt of the next richest group, those aged between 55 and 69. 

Younger age groups weren’t as wealthier as they had much higher debts and lower capital. 

Still, Norway’s wealthiest individuals significantly boosted the average. When using the median, the average Norwegian household had a net wealth of just under 2 million kroner. 

When the median was applied to capital, the figure was 339,300 kroner compared to the average of 1.76 million kroner. 

The large difference in capital was attributed to Norway’s wealthiest individuals significantly pulling up the average. 

“This is mainly due to large fortunes in shares and securities, where a few own very much. Shares and other securities and share savings accounts are assets with a median value equal to zero, which indicates that these are not important asset items for most households,” the report said. 

Money kept in the bank was still important for most residents of Norway, though. The median value of bank deposits in Norway was 215,000 kroner, compared to the average of 600,000. 

The gulf between the average value of property owned and the median was roughly 500,000, with the median being 3.25 million kroner. 

Furthermore, Norway’s median debt level was around 860,000 kroner compared to the average of 1.67 million kroner. Around 85 percent of Norwegian households were in some form of debt. 

Significant differences also exist between Norway’s wealthiest and poorest residents. Residents belonging to the country’s poorest ten percent had an average net wealth of almost minus 1 million kroner. 

Meanwhile, Norway’s wealthiest ten percent had a net wealth of 19 million kroner. The top 50 percent also owned considerably more than the bottom 50 percent. 

“Despite the former comprising 1.27 million households, while the latter comprises approximately 25,000 households, the bottom 50 percent own only 4 percent of the total net worth, while the top 1 percent owned as much as 22.3 percent in 2022,” the report read. 

There was also significant variation in wealth depending on household typeFor example, a single mother or father with a child aged between 6 and 17 had a net wealth of 2.24 million kroner, compared to a couple with children of the same age with an average net wealth of 5.12 million kroner. 

Typically, households with more than one person had more money as more than one wage earner likely lived at the address. 

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