Ambulance transport and hospitalisation
You are entitled to 100% reimbursement of your actual expenses on necessary ambulance transport and hospitalisation abroad.
You normally have to pay a 25% share (your user fee) of the actual cost of necessary outpatient treatment (including dialysis) and other medical care outside a hospital, for tests and diagnostics performed by medical laboratories and for radiological examinations and treatment.
In order to be eligible for the maximum allowable subsidisation, you must take care to obtain documentation of the type of medical care you have received, including any tests you have had done.
Antenatal care assessments
You are entitled to 100% reimbursement of your actual expenses on necessary antenatal care assessments (pregnancy checkups) abroad.
You pay a 25% share (your user fee) of the actual cost of necessary psychological treatment. Any claim for reimbursement of expenses must be enclosed with a letter of referral from a doctor.
Medicinal therapy (medication)
You may be eligible for subsidisation for medication received abroad (in Norwegian) pursuant to the rules in Section 5-14 of the Norwegian National Insurance Act. This means that you may qualify for subsidisation of medication covered by the Norwegian «blue prescription» (Norwegian: blå resept) scheme.
In some cases medication under the hospitals' responsibility can also be funded by Helfo when received abroad. The reimbursement rules in the act section 5-22 will still be applied for medication bought up to December 31, 2017. The rules may imply a partial reimbursement of your expenses for medication outside the «blue prescription» scheme.
You will usually have to pay a user fee (out-of-pocket maximum) for blue-prescription medication. Children under the age of 16 and recipients of a minimal state pension (Norwegian: minstepensjon) do not have to pay a user fee, meaning that their medication is free.
Any claim for reimbursement of expenses on medication must be supported by a statement by the treatment provider abroad. The medical statement must state the name of the medication, its active ingredient(s), any medicines you have been prescribed previously, your diagnosis and how long you will be taking the medication for.
You may be eligible for subsidisation of medical consumables pursuant to the rules in Section 5-14 of the Norwegian National Insurance Act. This means that you may qualify for subsidisation of medical consumables covered by the Norwegian "blue prescription" (Norwegian: blå resept) scheme. The products available on a blue prescription must appear in Helfo's product and price list for the condition in question. Find out more about this on the "Blue prescription, white prescription and the contribution scheme" page (in Norwegian).
In some cases, you may be entitled to partial coverage of expenses on medical consumables through the so-called contribution scheme. The material must be purchased at a pharmacy or from a surgical supplier. Find out more about this on the "Payment for bandages, consumables and non-prescription medicines" page (in Norwegian).
You normally pay a 25% share (your user fee) of the actual cost of necessary physical therapy. A referral from a doctor is no longer required. The therapy must be of significant value for your medical condition and physical functioning.
You may claim a reimbursement of NOK 148 for the first consultation in the case of necessary therapy from a chiropractor and then NOK 68 for any subsequent therapy sessions.
Most people over the age of 20 must pay the full amount of dental care out of pocket, but exemptions are made in the case of certain medical conditions.
Under extended subsidisation, children and young people are only covered for dental treatment comprised by these medical conditions. Dental treatment that in Norway is covered by the county municipality is not covered.
The subsidisation from the Norwegian National Insurance Scheme is calculated differently depending on the type of medical condition necessitating the dental work. Up to 75 per cent of necessary expenses on approved dental care are reimbursable. In cases where expenses on dental care in Norway would be fully reimbursable, expenses on equivalent dental care outside Norway will likewise be fully reimbursable.
Expenses on necessary orthodontic work (straightening of irregular teeth) abroad are covered at the same rates as in Norway. This means that your expenses will be reimbursed at 40-100% of the fixed rates. You will not be reimbursed for "invisible" braces (e.g. Invisalign), i.e. orthodontic treatment with clear removable aligners.
Orthodontic treatment has separate rates for examinations, x-rays, photos, models, treatment planning, fitting of fixed appliances, treatment checks (replacement of bows, tightening etc.), removal of appliances, fitting of retainers and post-treatment checks.
You can find the rates in the Norwegian Directorate of Health's circular containing rules and rates relating to subsidisation for covering expenses on dental treatment under "Takster for tannbehandling" item G.
The subsidisation is determined by Helfo based on the necessity of the treatment and any sibling discount. Eligibility for a sibling discount must be documented by a statement from the treating orthodontist, who confirms that siblings have had expenses on orthodontic treatment.
For the initial assessment for orthodontic work, you must ensure that the following form is completed by the orthodontist who treats you outside Norway:
«Diagnostic form for reimbursement of the cost of orthodontic treatment abroad (05-24.12)» English
You must also have documentation of which treatment has been performed. The orthodontist does this by completing the following form:
«Orthodontic treatment abroad (05-24.15)» English
These forms must be enclosed with your claim form together with your X-rays and treatment plan.
Please note that the treating orthodontist must fill in a new description of treatment (form 05-24.15) for each visit. These must be sent to Helfo within 6 months of each individual treatment date together with itemised receipts.
If the orthodontic treatment was started in Norway, Helfo requires a statement from the Norwegian orthodontist concerning which reimbursement group (40-100%) the patient belongs to.
In certain cases, subsidisation is granted for the treatment of language and speech disorders by a speech therapist or teacher of the hard of hearing/deaf. You must hold a referral letter from a doctor.
Logopaedic therapy which in Norway is provided under local or regional authorities does not qualify for reimbursement. You can request Helfo to perform an assessment of your entitlements before you start any therapy.
You can apply for reimbursement for the expenses for infertility treatment abroad if the treatment is equivalent to what you would have received in Norway. You and your partner must be married, registered partners or cohabitants to get partial expense reimbursement. You must also fulfill the conditions for treatment of infertility according to the Norwegian law on biotechnology (bioteknologiloven – in Norwegian).
You may be reimbursed for up to three attempts per child. You may be entitled to reimbursement of your expenses for fertility drugs, according to the rules laid out in the National Insurance Act section 5-22.
Expenses on oxygen therapy
You receive 100% reimbursement of your actual expenses.
General information about user fees
The maximum user fee payable outside Norway is 75% of the maximum user fee you would pay in Norway (NOK 1,777 per calendar year in 2019). Any user fees you pay in Norway are not tallied with user fees paid abroad.
Expenses on dental care and physical therapy are not eligible as user fees under the maximum user fee rule.
If you have received a decision from NAV certifying an occupational injury or illness, you will not have to pay user fees for expenses on medical care, physical therapy and dental treatment. For the purchase of medicines, medical devices and medical consumables (with reference to Section 5-14 of the Norwegian National Insurance Act), user fees are not deducted. There must be a causal relationship between the occupational injury and the need for the health service.
When you have received healthcare abroad, your travel expenses are covered according to the same rules as in Norway. This means that when you have received healthcare abroad, your expenses will be covered to the same extent as if your treatment was received in Norway.
In Norway, the main rule is that you can be reimbursed with a standard rate per kilometre, regardless of which means of transportation you have used. According to the Norwegian rules, you must travel to the nearest place the healthcare can be given.
If you wish to apply for coverage of travel and accommodation expenses in connection with treatment and there is no medically justifiable health service where you are staying, you need confirmation of this from a doctor at the place you are staying. The confirmation must contain information about the medical necessity of travelling to another town or another country and where the nearest medically justifiable health service is.
Your expenses will only be reimbursed if the trip is longer than ten kilometres each way and the cost is higher than the local minimum rate of public transportation. User fee per trip (each way) is NOK 149 (in 2019).
For necessary expenses on board and lodging (in Norwegian) during treatment away from your place of ordinary residence abroad, you will be reimbursed according to the same rules as in Norway. The rates are shown here (in Norwegian). To be entitled to coverage for board and lodging, you must be granted subsidisation for the health care and travel expenses.