The European Health Insurance Card does not entitle you to coverage of expenses if you travel abroad with the intention of receiving medical treatment.
The card is normally valid for three years if you are still a member of the Norwegian National Insurance Scheme.
If you are an expatriated pensioner, living permanently outside Norway, you should take care to order a replacement card well in advance of your card's expiry date.
You have an obligation to notify Helfo of changes that may affect your right to use the card. Please contact us if you are unsure.
In the event of misuse of the card, the cardholder will be held liable for loss to the Norwegian National Insurance Scheme.
Additional private travel insurance
Helfo recommends that you take out private travel insurance in addition to your European Health Insurance Card. In many countries, the state will not cover medical expenses in full. This may also apply to hospital stays.
The European Health Insurance Card does not cover expenses on travelling home if you become ill or have been injured in an accident. Private travel insurance insures you against expenses not covered by the country you are staying in, or the cost of returning home in the event of an illness or accident.
Only valid in the EEA or Switzerland
As the name implies, the European Health Insurance Card cannot be used outside the EEA or Switzerland. It is also not valid on Svalbard.
As a general rule, the Norwegian National Insurance Scheme will not cover expenses on healthcare services during tourist stays outside of the EEA or Switzerland. You should therefore take out private travel insurance for any such trips.