Health Insurance

Photo: Colourbox

Health Insurance

Written by: Study Bergen

Photo: Colourbox

Having access to health care during your study abroad period is important. 

Norwegian National Health Insurance Scheme

Becoming a member of Norway's National Insurance Scheme is an option for accessing health care for some students studying in Norway. You can read about about membership in the National Insurance Scheme here.

Students from Nordic countries

You are a member of the Norwegian National Insurance Scheme if you are registered in the National Population Registry in Norway. If you are not a member you are nevertheless entitled to health services under the National Insurance Act and you do not have to verify it with a European Health Insurance Card.

Students from EEA countries or Switzerland

The general rule is that you do not become a member of the Norwegian National Insurance Scheme. If you are a member of social security in your home country while studying in Norway, you are entitled emergency and necessary treatment under Norwegian legislation. If you are not entitled to a European Health Insurance Card from your home country, you must have other insurance to cover any medical expenses you might incur in Norway.

Students from countries outside the EEA

If your study abroad period is more than one year you will automatically be enrolled/insured under the National Insurance Scheme when you register as a student at an education institution and as a resident. If you are studying abroad less than one year, you will not become a member of the Norwegian National Insurance Scheme automatically, but you can apply for voluntary membership if you have a residence permit. Voluntary membership entitles you to have health services on an equal basis with other Norwegian residents. You have to verify your entitlement with your European Health Insurance Card. People from other countries must prove that they can pay for treatment with private insurance.

On-campus health services

Some institutions offer on campus services. You may wish to explore your institution's website for more information about any health care services provided. In Bergen, the student welfare organization, Sammen, helps organize some health services for students

Health Care 

You may wish to explore the website of helsenorge ("Health Norway") for more information in English about navigating health care services during your time in Norway


Generally dentistry is self-pay in Norway. However, children (under 18) receive most dental treatments for free.  Adolescents (19-20), are 75% covered by the Public Dental Health Service (they pay 25% themselves). For more information about how dental services are covered, read more at helsenorge. In Bergen, Sammen offers dental examinations and treatments for students


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