Healthcare Options for Students in Norway

12 February، 2025

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Norway is renowned for its high-quality, universal healthcare system, which ensures that all residents, including students, have access to affordable and comprehensive medical services. Whether you’re an international student or a domestic one, understanding your healthcare options is crucial for ensuring peace of mind during your studies. In this guide, we’ll explore the healthcare options available to students in Norway, from mandatory health insurance to additional services and support.

1. Mandatory Health Insurance for Students

All residents in Norway, including students, are required to be part of the National Insurance Scheme (Folketrygd) . This ensures access to subsidized medical care, hospital treatments, and prescription medications. Here’s how it works:

Enrollment in the National Insurance Scheme

EU/EEA Students: If you’re from an EU/EEA country, you can use your European Health Insurance Card (EHIC) to access healthcare in Norway. However, if you plan to stay longer than three months, you must apply for a Norwegian personal ID number (D-number) and enroll in the National Insurance Scheme.
Non-EU/EEA Students: Non-EU/EEA students must apply for a D-number and enroll in the National Insurance Scheme upon arrival. Enrollment is automatic if you’re staying for more than six months.

Cost of Health Insurance

Contributions to the National Insurance Scheme are calculated as a percentage of your income. For students without taxable income, the cost is minimal—typically around NOK 500–NOK 1,000 per year (approximately €50–€95 ).
If you’re employed part-time while studying, your employer will deduct contributions automatically from your salary.

Coverage Provided

The National Insurance Scheme covers approximately 85–100% of most medical costs, including doctor visits, hospital stays, and prescriptions.
Some services, such as dental care and specialist consultations, may require supplemental insurance for full reimbursement.

2. European Health Insurance Card (EHIC)

If you’re an EU/EEA student, you can use your European Health Insurance Card (EHIC) to access healthcare in Norway. The EHIC allows you to receive medically necessary treatment under the same conditions as Norwegian residents.

How It Works: Present your EHIC at any healthcare provider or hospital to benefit from reduced fees or direct billing through your home country’s insurance system.
Limitations: The EHIC only covers emergency or essential care—it does not replace private insurance for long-term stays or elective procedures.

For non-EU students, the EHIC is not applicable, and enrollment in the Norwegian National Insurance Scheme is mandatory.

3. Student-Specific Healthcare Benefits

Norway offers several benefits tailored specifically to students, making healthcare more affordable and accessible.

Reduced Fees for Consultations

Many doctors and specialists offer discounted rates for students. Always ask if a “student tariff” is available when booking appointments.

Free Preventive Care

Certain preventive services, such as vaccinations, sexual health screenings, and mental health counseling, are provided free of charge or at minimal cost.

University Medical Services

Most universities have on-campus health centers or partnerships with local clinics, offering primary care, psychological support, and wellness programs exclusively for students.

4. Mental Health Support

Mental health is a priority in Norway, and students have access to various resources to address stress, anxiety, or other challenges.

University Counseling Services

Nearly all higher education institutions provide free or low-cost counseling services staffed by licensed psychologists.
Workshops on stress management, time management, and mindfulness are also common.

External Mental Health Providers

Students can seek therapy outside their university through referrals from their general practitioner (GP). Sessions are partially reimbursed, reducing out-of-pocket expenses.

Helplines

Several helplines operate 24/7 to assist students in crisis:
- Hjelpetelefonen: A confidential listening service for emotional support.
- Krisenettet: Offers guidance and intervention for those struggling with suicidal thoughts.

5. Dental Care for Students

Dental care is another important aspect of overall health, though it is less generously covered by the National Insurance Scheme.

Basic Coverage

Routine check-ups and cleanings are free for children and young adults up to the age of 18. For students over 18, dental care is partially reimbursed, but orthodontic treatments and major procedures often require supplemental insurance.

Supplemental Dental Insurance

Many student organizations and private insurers offer optional dental plans for an additional fee. These plans can significantly reduce costs for fillings, extractions, and braces.

Student Discounts

Some dentists offer discounted rates for students. Be sure to inquire about special pricing when scheduling appointments.

6. Emergency Care

In case of emergencies, students in Norway have access to efficient and reliable medical services.

Emergency Rooms

Hospitals across Norway have 24/7 emergency departments. Present your ID card and proof of enrollment in the National Insurance Scheme upon arrival to ensure proper billing.

Ambulance Services

Ambulance rides are partially reimbursed by the National Insurance Scheme. Costs vary depending on distance traveled and urgency.

Pharmacies

Pharmacies are widely available and open late hours in urban areas. Pharmacists can provide over-the-counter remedies and advice for minor ailments.

7. Vaccinations and Travel Health

Staying up-to-date with vaccinations is important for maintaining good health, especially for international students.

Required Vaccinations

While no specific vaccines are mandatory for entry into Norway, certain courses like MMR (measles, mumps, rubella) and tetanus boosters are recommended.

Travel Health Services

Students planning trips abroad can visit travel clinics for vaccinations and malaria prophylaxis. These services are partially reimbursed by the National Insurance Scheme.

8. Additional Health Insurance Options

While basic health insurance covers most needs, some students opt for supplementary coverage to enhance their protection.

Complementary Insurance Plans

Offered by private insurers, these plans cover gaps in standard coverage, such as higher reimbursement rates for glasses, dental work, or alternative therapies (e.g., physiotherapy, acupuncture).

International Student Insurance

Non-EU students who cannot immediately enroll in the National Insurance Scheme may purchase temporary international student insurance to bridge the gap until they become eligible for Norwegian coverage.

9. Tips for Managing Healthcare Costs

To make the most of your healthcare benefits and minimize expenses, consider the following tips:

Choose Public Providers: Stick to public healthcare providers to maximize reimbursements.
Keep Receipts: Save all medical bills and receipts for submission to the National Insurance Scheme to claim refunds.
Plan Ahead: Schedule regular check-ups and vaccinations to prevent costly emergencies later.
Utilize University Resources: Take advantage of free or low-cost services offered by your institution.