Your social security entitlements and insurance coverage depend on your terms of employment, the length of your stay in Norway and your personal circumstances. Please check what applies to you before coming to Norway.
What is normally covered under the National Insurance Scheme?
The Norwegian Labour and Welfare Administration (NAV) covers expenses for medical assistance, provides old-age pension benefits and other pension-related services as well as parental, sickness and unemployment benefits, among others. Everyone residing in Norway permanently or intending to stay for at least 12 months is considered a resident under the National Insurance Act and is therefore entitled to health care coverage under the Norwegian National Insurance Scheme. To be eligible for certain benefits, such as unemployment or parental benefits, you must have worked a specific amount of time in Norway.
Please note that resident status under the National Insurance Act is not necessarily identical to resident status as stipulated in the Taxation Act and that you may not be fully covered under the Norwegian National Insurance Scheme even if you do pay tax in Norway.
There are also contractual schemes providing some kinds of coverage for employees working for a Norwegian employer. Researchers employed at universities, university colleges and a number of independent research institutes are encompassed by the Basic Collective Agreement (Hovedtariffavtalen i Staten), which includes group life and occupational injury insurance as well as travel insurance. The state does not insure its risk through agreements with private insurance companies, but is itself the insurer for its employees. Employees in the private sector have access to similar insurance through insurance companies. Most Norwegians take out private insurance to cover their homes, possessions, children, pets or their own health.
What social security entitlements and insurance coverage will I have in Norway?
Your social security entitlements and insurance coverage depend on your terms of employment and your personal circumstances. As such, it is difficult to provide a full overview of actual coverage for individuals. General rules are provided below for the following categories of researchers:
- Researcher/doctoral research fellow employed by a Norwegian institution;
- Researcher employed by a non-Norwegian institution and conducting a stay at a Norwegian institution;
- Adjunct professor;
Researcher without a formal employment contract whose research stay is financed by means of private funding, mobility grants, endowments or the like.
Do I need private insurance?
Your need for private insurance and various types of coverage will depend on your social security and insurance entitlements in Norway or in your home country. Please refer to the above-mentioned researcher categories and appurtenant level of coverage.
Conditions under which you should give special thought purchasing private insurance include:Citizens of a non-EU/EEA country residing in Norway for up to 90 days;
- Researchers who are not formally employed in Norway or abroad and are residing in Norway for up to 12 months;
- Researchers employed in Norway for up to three months and who do not have a tax liability to Norway during that period;
In many cases, it may be a good idea to take out a private insurance policy in your home country. Many Norwegian insurance companies may require you to become a member of the Norwegian National Insurance Scheme before they will sell you insurance, as the National Insurance Scheme covers a portion of the insurance premium. Certain companies offer coverage to non-members at a higher premium. Insurance policies should cover health care, travel, costs associated with transport home, accidents and possessions, among other things.
The Norwegian Labour and Welfare Administration (NAV) (English webpages)
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