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The European Health Insurance Card

The European Health Insurance Card officially documents that you are entitled to coverage of medically necessary healthcare in another EEA country under the same conditions as that country's own nationals. You should carry the card if you will be staying temporarily in another EEA country or Switzerland.

It is important that you know what the card entitles you to. Read this page for more information.

Attention! It is not possible for persons with a temporary eleven digit ID-number (D-number/d-nummer) to order the European Health Insurance Card online. You must call 800 HELSE (800 43 573) in order to receive a card.

Who is entitled to a European Health Insurance Card?

If you are a member of the Norwegian National Insurance Scheme and a national of either Norway or another EEA country, you are entitled to a European Health Insurance Card.

As the United Kingdom prepares to leave the European Union, European Health Insurance Cards issued from Norway, Iceland and Lichtenstein will still apply in the UK. British citizens visiting Norway can also use their European Health Insurance Cards.

In many cases, the scheme also covers family members, i.e. spouses, children under the age of 18 and dependent children over the age of 18. Registered partners and co-habitants who have or have had children together are equivalent to spouses/married couples. Be aware that each family member must carry their own personal card.

Persons who are stateless or have refugee status may also be entitled to a European Health Insurance Card.

Contact Helfo if you are unsure about whether you are entitled to a European Health Insurance Card. Note that in many cases, the European Health Insurance Card is issued in a paper version instead of a plastic card.

What rights does the card grant the holder?

The European Health Insurance Card only entitles you to medically necessary healthcare from a hospital and/or doctor affiliated with the state-provided health service in the country in which you are staying.You are entitled to coverage on the same terms as the country's nationals and you must pay the same user fees as the country's nationals.

Be aware that the standard of treatment may vary from one country to the next. You cannot automatically expect to receive the same treatment as you would in Norway.

Determination of what constitutes medically necessary treatment, and your entitlements under the European Health Insurance Card, must take into account what type of healthcare service is required and how long you are intending to stay in the country. You are entitled to the healthcare services that are deemed necessary from a medical perspective for you to continue your stay in the country you are visiting.

A European Health Insurance Card may entitle you to certain necessary nursing and care services in accordance with the rules in the country you travel to. You will need to contact the authorities in the country you are travelling to or staying in for information about the rules that apply.

Your healthcare entitlements under the EEA agreement are limited. It is therefore important to hold private travel insurance in addition to the European Health Insurance Card.

When does the card not apply?

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.

If the European Health Insurance Card is not accepted

If the hospital or institution where your are receiving treatment does not recognize or will not accept your European Health Insurance Card, you must pay out of pocket and make sure you get an original itemised bill, an original receipt and documentation of the treatment.

This also applies if you have forgotten to use your European Health Insurance Card.

When you return home, you can apply for reimbursement from Helfo. Fill out and send in

​«Application for reimbursement of healthcare services received in another EEA country/Switzerland (05-24a.10)» English  | Bokmål

Send the form to: Helfo, Postboks 2415, 3104 Tønsberg.

Delivery time

It will take up to ten days from when you order the European Health Insurance Card from Helfo until you receive it by post.

If you have not taken a card with you abroad, but need medical care during your trip, Helfo can issue you with an emergency form, called a Provisional Replacement Certificate.

If required, we can send your Provisional Replacement Certificate to the hospital or other institution where you are receiving treatment. A Provisional Replacement Certificate grants you the same rights as a European Heath Insurance Card. If you require a Provisional Replacement Certificate outside of Helfo's opening hours, you can contact Helfo on the next working day.

Helfo's opening hours are between 08.00 am and 3.30 pm from Monday to Friday.

Helfo can be contacted from outside Norway as follows:
Telephone: +47 23 32 70 30
Fax: +47 33 51 22 89

How to obtain the card

You can order a European Heath Insurance Card here at helsenorge.no or by calling 800HELSE (800 43 573).

How to order a European Health Insurance Card:

The card will be sent to the address where you are registered in the Norwegian National Registry.

Ordering the European Health Insurance Card with a temporary national identification number

If you have a temporary national identification number (D-number), you cannot order the Health Insurance Card here. In this case you will have to call 800HELSE (800 43 573). If you are calling from outside Norway, the number is +47 23 32 70 30.