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Student Health Insurance in Norway

Norway’s Folketrygden (Norwegian National Insurance) provides universal healthcare to all registered residents, including international students. Once registered, you’ll pay small co-pays and enjoy free healthcare.

For EU/EEA Students

If you’re from an EU/EEA country, bring your European Health Insurance Card (EHIC). This grants you immediate access to Norwegian healthcare from day one. You’ll pay the same co-pays as Norwegian residents (e.g., NOK 250 for GP visits).

After arrival, you can register with Folketrygden for long-term coverage.

For Non-EU Students

Non-EU students must have private health insurance BEFORE arriving in Norway. This is required for your residence permit application. Once in Norway, follow these steps:

1. Get your ID number: Register at Skatteetaten (Tax Office) for a D-number or Norwegian ID number
2. Register with Folketrygden: Visit your local NAV office with your residence permit and ID number
3. Choose a fastlege (GP): Select your Regular GP from helsenorge.no

After registration, your private insurance is no longer needed — Folketrygden covers you.

Frikort (Exemption Card)

Norway has a high-cost protection scheme. Once you’ve paid NOK 3,205 in co-pays in a calendar year, you receive a frikort (exemption card). From that point, all further care is completely free for the rest of the year.

Why Norway?

With over 25,000 international students, Norway offers stunning natural beauty, world-class universities, and excellent quality of life. Many master’s programs are tuition-free, and healthcare is accessible and affordable.