If you study in the USA and either receive support from the Norwegian State Educational Loan Fund or have voluntary membership in the Norwegian National Insurance Scheme, you may use the American insurance agent Equian (previously known as Health Systems International, HSI). They can assist you in finding the right medical practitioner and can provide guarantees throughout the entire USA. You then avoid having to pay yourself if you incur large expenses due to illness.
Equian can provide confirmation for your institution that you are covered for healthcare expenses you might incur during your studies abroad. In most cases, your Equian cover will be approved by the institution, and you will be exempt from having to take out health insurance through them. However, approval of Equian cover is discretionary on the part of the institution. At certain institutions, you may be required to take out separate health insurance.
If you choose to use Equian, you have to use Equian for all of your health care expenses in the USA.
Helfo will share your personal- and health information with Equian. This will be done in accordance with the privacy laws. If you, however, do not wish to share your personal information, please contact Helfo. You will then have to pay for any health expenses and request a refund from Helfo afterwards.