Financial Assistations

Insurance Solutions

Protect your health, travel, studies, and belongings from day one. Study Norway’s Insurance Solutions help you choose the right cover for your visa, budget, and lifestyle—health, travel, liability, contents, electronics, and winter sports—so surprises don’t derail your semester.

Why choose Study Norway Insurance Solutions

Compliance-first guidance: We align cover with visa and university requirements.

Tailored to your stay: Different needs for under/over 12 months, EU/EEA vs. non‑EU/EEA, and exchange students.

Norway‑ready: Options that consider winter, outdoor activities, and student housing norms.

Clear, practical advice: Policy comparisons, key exclusions, and steps you can act on.

Who it’s for

International students (undergraduate, master’s, PhD, exchange) relocating to Norway.

EU/EEA students using EHIC/GHIC who want top‑up protection.

Non‑EU/EEA students needing proof of health/travel insurance for permits or the arrival gap.

Students doing fieldwork, lab placements, or frequent travel within Europe.

Parents/guardians arranging cover for students, including under‑18s.

What we do

Needs assessment: We map your risk profile (program length, travel plans, activities, budget).

Coverage design: Recommend insurance combinations (health, travel, liability/contents, electronics, sports).

Comparison & clarity: Explain benefits, limits, deductibles, and major exclusions.

Documentation help: Obtain insurer letters for visa appointments and university requirements.

Activation & reminders: Start dates, gap coverage, renewals, and cancellation timing.

Claims guidance: Checklists and steps to document losses and submit claims.

What’s not included

We don’t sell or underwrite insurance; purchases are made directly with providers.

No legal, medical, or financial advice; we provide guidance and signposting.

No guarantees of claim outcomes or insurer processing times.

Insurance options we help you evaluate Health & medical coverage

Stays 12+ months (non‑EU/EEA): You typically become a member of Norway’s National Insurance Scheme after registering your residence; bring private travel/health insurance to cover the period until membership is active.

Stays under 12 months: Arrange private health insurance covering the entire stay (emergency care, hospitalization, outpatient, prescriptions, and medical repatriation).

EU/EEA students: Bring EHIC/GHIC and consider top‑up travel/health coverage (e.g., repatriation, private care, dental accidents).

Key checks: Pre‑existing conditions, mental health coverage, waiting periods, direct billing vs. reimbursement, and co‑payments (egenandel).

Travel & trip protection

Trip cancellation/interruption (visa delays, illness), missed connections, and travel delays.

Baggage and personal effects (theft, loss, damage) in transit and during trips.

Single‑trip vs. annual multi‑trip policies; Schengen travel within Europe.

Coverage for study‑related travel, conferences, and field courses.

Housing, contents & personal liability

Contents (innboforsikring): Protect belongings in student housing; check limits for bikes and storage units.

Personal liability: Covers accidental damage to others’ property or injury claims; some landlords expect this.

Consider roommate situations, sublets, and address changes (update your policy address).

Electronics & valuables

Laptops, phones, tablets, cameras—worldwide theft and accidental damage options.

High‑value item scheduling, proof of ownership, depreciation, and deductible levels.

Exam/academic equipment coverage and travel with gear.

Adventure & winter sports

Skiing/snowboarding cover (on‑piste vs. off‑piste), equipment rental, and avalanche‑related exclusions.

Hiking, climbing, kayaking—check activity lists and safety requirements.

Search and rescue/repatriation limits and geographic restrictions.

Accident & disability

Lump‑sum benefits for accidental injury or permanent disability.

Dental treatment due to accidents; verify caps and waiting periods.

Visa & compliance alignment

Some students must show proof of health/travel insurance when applying or upon entry—requirements vary by nationality and length of stay.

For long stays, private cover is recommended until Norwegian National Insurance membership is active.

Keep policy certificates and emergency assistance contacts in your hand luggage for border checks and arrivals.

Always verify current rules with the Norwegian Directorate of Immigration (UDI): udi.no.

How it works

Tell us your plans: Duration, nationality, campus city, travel frequency, and activities.

Compare options: We outline coverage combinations, pros/cons, and pricing ranges.

Choose & purchase: You buy directly from your chosen provider (we can assist with forms).

Activate & store: Set start dates, add beneficiaries, and save documents in your portal.

Stay compliant: Update your address, travel dates, and declare new items when needed.

Need to claim? We guide documentation and submission steps.

Official resources & information

Health services and rights in Norway: helsenorge.no

National Insurance Scheme (membership, benefits): nav.no

Immigration requirements (students): udi.no

Embassies/consulates (country‑specific guidance): norway.no

Compare financial/insurance products (Norway): finansportalen.no

Claims support

Report promptly: Notify the insurer within the time limit stated in your policy.

Gather evidence: Policy number, receipts, photos, serial numbers, medical notes, and airline delay letters.

Theft/loss: Obtain a police report (or transport provider report) as required by your policy.

Keep damaged items: Don’t dispose of evidence before the insurer confirms.

Track the process: Note deductibles, settlement method, and expected timelines.

Frequently asked questions Do I need insurance if I’ll join Norway’s National Insurance Scheme?

Yes—travel, baggage, personal liability, electronics, and winter sports are typically not covered by public healthcare. Private cover also bridges the arrival gap before membership is active.

When should I buy insurance?

Before you book major travel and at least before departure. Trip cancellation usually applies from purchase; medical cover should start on your travel date.

Is routine dental care covered?

Usually no. Many policies cover dental care only due to accidents. Consider dental add‑ons if available.

Will my home‑country insurance cover me in Norway?

Sometimes, but limits and time caps are common. Check territorial scope, trip length, sports exclusions, and claim process for overseas care.

Is winter sports cover included by default?

Often not. Add a winter sports rider for skiing/snowboarding and verify off‑piste terms and safety requirements.

Do landlords require contents or liability insurance?

Requirements vary, but contents (innboforsikring) and personal liability are strongly recommended and sometimes expected.

What about part‑time work?

Your employer has separate obligations for workplace injuries. Personal policies may exclude work equipment or professional activities—check terms.

How do I cancel when I leave Norway?

Give notice per policy rules, update your address, and keep proof of departure (e.g., flight ticket) if requested.

Ready to choose the right cover?

Share your program length, travel plans, and activities—we’ll map a cost‑effective package and help you activate it before you fly.

Get insurance guidance

Important notes

Study Norway provides guidance and coordination; we do not sell or underwrite insurance and do not provide legal, financial, or medical advice.

Coverage, exclusions, limits, and premiums vary by provider and may change—always read the policy wording and confirm details with the insurer.

Visa and healthcare rules can change; verify with official sources (UDI, NAV, Helsenorge).

Emergency numbers in Norway: 113 (Medical), 112 (Police), 110 (Fire).