Best Private Health Insurance in Norway for Expats – 2025 Guide
If you are moving to Norway for work, study, or long-term stay, health insurance is one of the most important things you must arrange. Although Norway has a strong public healthcare system, many expats prefer private health insurance for faster services, better coverage, and easier access to specialists. This 2025 guide explains everything you need to know about choosing the best private health insurance in Norway.
1. Understanding Health Insurance in Norway
Norway provides public healthcare through the National Insurance Scheme (NIS). Anyone registered with the NIS gets subsidized healthcare, but expats often face delays before registration. Private insurance helps you:
- Get immediate medical coverage
- Avoid long waiting times
- Access private clinics
- Receive English-speaking support
Private insurance is essential for expats who are new, on temporary visas, or waiting for residency approval.
2. Why Expats Need Private Health Insurance
Public healthcare is good, but not always fast. As an expat, you may face:
- Long waiting lists for specialists
- Limited dental coverage
- Delays before getting a GP
- Difficulty accessing certain treatments
Private insurance gives faster appointments, better treatment options, and full coverage from day one.
3. What Private Health Insurance Covers
Coverage differs by company, but most Norwegian private insurers offer:
- Doctor consultations
- Specialist visits
- Diagnostic tests (MRI, CT, X-ray)
- Emergency care
- Mental health treatment
- Physical therapy
- Pregnancy care
- Surgery coverage
Some premium plans also include dental, vision, and international medical coverage.
4. Top Private Health Insurance Companies in Norway (2025)
Here are the most trusted and popular health insurance providers for expats:
a. Gjensidige
One of the largest insurers in Norway. Offers fast specialist access and strong hospital networks.
b. If Forsikring
Known for comprehensive private health plans and quick claim approvals.
c. Storebrand
Best for families, offering wellness programs and mental health support.
d. DNB Health Insurance
Affordable plans with strong digital services and 24/7 helplines.
e. SOS International
Great for expats needing global medical coverage.
5. Best Health Insurance Plans for Expats (2025 Ranking)
1. Gjensidige Pluss Health Plan
- Fast specialist access (1–5 days)
- Covers diagnostics & surgery
- Includes mental health care
2. If Forsikring Health Extra
- Wide hospital network
- Covers chronic conditions
- Includes physiotherapy
3. Storebrand Health Premium
- Great family plan
- Preventive health benefits
- Free online medical consultations
4. DNB International Health Plan
- Best for new expats
- Low monthly premium
- Covers emergencies worldwide
5. SOS International Global Health Plan
- Full international coverage
- Ideal for expats who travel frequently
6. Cost of Private Health Insurance in Norway
The price depends on age, coverage, and medical history. Here is the average monthly cost in 2025:
| Age Group | Basic Plan | Standard Plan | Premium Plan |
|---|---|---|---|
| 18–30 | 350–500 NOK | 550–800 NOK | 900–1200 NOK |
| 31–45 | 450–650 NOK | 800–1100 NOK | 1200–1500 NOK |
| 46–60 | 700–1000 NOK | 1200–1600 NOK | 1700–2200 NOK |
Families usually receive 10–20% discounts on bundle plans.
7. How to Choose the Right Insurance Plan
Before selecting a health insurance plan as an expat, consider:
✔ Your stay duration
Long-term residents need full coverage, while short-term visitors may need temporary insurance.
✔ Your health condition
If you have chronic diseases, choose a plan that covers long-term treatment.
✔ Your work type
Some employers offer private insurance as a benefit.
✔ Your budget
Choose a plan that balances affordability and coverage.
✔ International coverage
If you travel often, select a global plan.
8. Private vs Public Healthcare for Expats
Here is a quick comparison to help you understand the difference:
| Feature | Public Healthcare | Private Healthcare |
|---|---|---|
| Waiting Time | Long | Short (1–5 days) |
| Specialist Access | Limited | Fast |
| English Support | Not always available | Available |
| Coverage Start | After registration | Immediate |
| Dental | Not included | Included in some plans |
Private insurance gives better speed and convenience, especially for expats.
9. Documents Needed for Health Insurance in Norway
To buy a private health insurance plan in Norway, you usually need:
- Passport copy
- Residence permit or visa copy
- Local address in Norway
- Employment contract (if applicable)
- Medical history (optional for premium plans)
Approval is usually fast—within 1–3 days.
10. Final Tips for Expats Choosing Insurance in 2025
Here are expert recommendations to make the right choice:
- Compare 3–4 providers before buying
- Check if your employer already offers a plan
- Choose a plan that includes specialist and hospital coverage
- Select global coverage if you travel to the EU frequently
- Avoid very cheap plans—they may exclude important services
Good health insurance helps you stay safe, get fast treatment, and avoid expensive medical bills.
Conclusion
Norway offers excellent healthcare, but for expats, private health insurance provides faster access, better services, and peace of mind. By choosing a trusted provider like Gjensidige, Storebrand, or If Forsikring, you can enjoy top-class medical care throughout your stay in Norway.