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Some of the leading international health insurance providers for expats in Norway include Allianz, April, AXA, Bupa, Cigna, GeoBlue, HealthCare International Group, IMG, MSH, and NOW Health International. Each offers plans tailored to the diverse needs of individuals and families living abroad.
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Are you an expat looking for private healthcare coverage in Norway? Maybe you’re hoping to find and compare insurance providers that fit your budget and lifestyle?
In this Pacific Prime article, we’ll highlight the best international insurers for expats in Norway, detailing their plan options, coverage features, and key benefits. By the end, you’ll have the insights needed to select the right health insurance for your time in Norway.
Best International Health Insurance Providers for Expats in Norway
Below are 10 of the best insurance providers for expats in Norway:
- Allianz Care
- April International
- AXA
- Bupa
- Cigna
- GeoBlue
- HealthCare International Group
- IMG
- MSH International
- NOW Health International
Expats in Norway have access to a range of international health insurance providers, each offering plans tailored to diverse medical needs and budgets. Here’s an overview of what these insurers offer to help expats stay protected while living in Norway.
Allianz Care: Tailored Health Insurance for Expats in Norway
Allianz Care delivers international health insurance designed for expats in Norway. With flexible tiers—Care, Care Plus, and Care Pro—you can choose the level of protection that fits your healthcare needs, from essential inpatient care to advanced outpatient and preventive services.
Overview of Allianz’s Health Insurance Plans in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Care | 2,500,000 | Inpatient/day-care, oncology, medical evacuation, rehabilitation, home nursing, emergency outpatient | Outpatient, dental, and repatriation |
| Care Plus | 4,000,000 | All Care benefits with higher limits, enhanced rehab, home nursing, and emergency dental | Outpatient, dental, repatriation |
| Care Pro | 5,000,000 | All Care Plus benefits plus preventive surgery, laser eye treatment, expanded outpatient & dental cover | Outpatient, dental, and repatriation |
The Care plan secures vital hospital services and urgent medical support, ensuring expats in Norway can access care without financial strain. Care Plus raises the limits and adds emergency dental treatment, making it a strong choice for families or individuals wanting broader protection.
For maximum peace of mind, Care Pro provides the most extensive coverage, with advanced inpatient, outpatient, and preventive benefits. With three clear tiers, Allianz Care helps expats in Norway select the coverage that aligns with their health priorities and lifestyle.
April International: Tailored MyHealth Plans for Expats in Norway
April International supports expats in Norway with flexible MyHealth International plans. With five tiers—Emergency, Formule Basic, Essential, Comfort, and Premium—expats can find coverage that balances healthcare protection and affordability.
Overview of April International’s Health Insurance Plans in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Emergency | 275,000 | Accidents & urgent medical care, medical repatriation | None |
| Formule Basic | 550,000 | Hospitalization, cancer treatment, medical repatriation | Outpatient, dental, vision |
| Essential | 1,100,000 | Hospitalization, cancer care, repatriation, daily private room allowance | Outpatient, dental, vision, maternity |
| Comfort | Unlimited | Hospitalization, cancer care, medical repatriation, private room | Outpatient, dental, vision, maternity |
| Premium | Unlimited | All Comfort benefits plus preventive services, wider outpatient, dental, and vision cover | Maternity |
The Emergency plan is ideal for those seeking affordable protection for accidents and urgent medical needs, while higher tiers like Comfort add hospitalization and private room coverage for greater peace of mind.
For expats desiring top-tier benefits, the Premium plan includes comprehensive outpatient, preventive, dental, and vision services. With options ranging from essential to comprehensive, April International makes it easy for expats in Norway to tailor their health insurance to their specific needs.
AXA: Global Health Plans Built for Expats in Norway
AXA offers adaptable international medical cover for expats in Norway. Five plan levels—Foundation, Standard, Comprehensive, Prestige, and Prestige Plus—let you match benefits and budget, from essential hospital care to premium perks and higher limits.
Overview of AXA’s Health Insurance Plans in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Foundation | 160,000 | Core inpatient & day-care, emergency evacuation, multilingual support | Wellness programs, preventive screenings |
| Standard | 500,000 | Foundation plus outpatient, dental, and repatriation | Wellness programs, preventive screenings |
| Comprehensive | 2,000,000 | Standard plus maternity, chronic condition support, and vision care | Wellness programs, preventive screenings |
| Prestige | 4,000,000 | Higher limits with routine pregnancy care and annual health reviews | Wellness programs, preventive screenings |
| Prestige Plus | 8,000,000 | Broadest scope with top-tier limits and enhanced services | Wellness programs, preventive screenings |
Foundation focuses on hospital treatment and urgent care—an affordable base for newcomers. Standard widens protection with outpatient services and dental, striking a practical balance for many expats in Norway.
Stepping up, Comprehensive adds maternity, chronic care, and vision. For maximum reassurance, Prestige and Prestige Plus lift limits and include added services like routine pregnancy care and annual checkups, ideal for families or those wanting extra comfort.
Bupa Global: Premium Health Insurance for Expats in Norway
Bupa Global offers expats in Norway a selection of international health insurance plans designed to suit varying lifestyles and medical needs. With four distinct tiers—Major Medical, Select, Premier, and Elite—coverage ranges from core inpatient services to full worldwide protection.
Overview of Bupa Global’s Health Insurance Plans in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Major Medical | 3,174,200 | Inpatient & day-care, emergency evacuation, 24/7 multilingual support | Outpatient, dental, and repatriation |
| Select | 1,587,100 | All Major Medical benefits plus outpatient, dental, and repatriation coverage | Maternity, chronic conditions, vision |
| Premier | 2,380,600 | All Select benefits plus maternity, chronic conditions, and vision care | Wellness, preventive care |
| Elite | 4,761,300 | All Premier benefits plus higher limits and wider treatments | Wellness, preventive care |
The Major Medical plan provides fundamental inpatient and emergency coverage at a more accessible cost. Select adds outpatient, dental, and repatriation services, giving expats wider protection.
For families or individuals with greater healthcare demands, the Premier plan includes maternity benefits, chronic illness care, and vision coverage. At the top end, Elite maximizes protection with enhanced limits and a full suite of comprehensive services.
Cigna: Flexible Global Health Coverage Tailored for Expats in Norway
Cigna Global provides modular international plans for expats in Norway. The Silver, Gold, Platinum and Close Care options let you build cover to match your needs—from inpatient and mental health support to maternity, outpatient and regional-only solutions.
Overview of Cigna’s Health Insurance Plans in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Silver | 1,000,000 | Inpatient/day-patient care, global coverage, mental health (USD $5,000), cancer care, private room, infectious disease treatment | Outpatient, evacuation, dental, vision |
| Gold | 2,000,000 | All Silver benefits plus maternity (USD $5,000), maternity complications (USD $14,000), newborn care (USD $75,000), extended mental health (USD $10,000) | Outpatient, evacuation, dental, vision |
| Platinum | Unlimited | All Gold benefits plus enhanced maternity (USD $14,000), newborn care (USD $156,000), and unlimited mental health coverage | Outpatient, evacuation, dental, vision |
| Close Care | 500,000 | Regional coverage (Poland + country of nationality), inpatient and cancer care, semi-private room, mental health (USD $3,000); excludes evacuation/maternity | Outpatient, evacuation, dental, vision |
The Silver plan delivers dependable inpatient and cancer cover with basic mental health support. Gold raises limits and adds routine maternity, maternity complications and newborn care while increasing mental health benefits.
Platinum offers top-tier protection—unlimited hospital cover, full maternity (up to USD $14,000) and expanded newborn care (USD $156,000). Close Care is a lower-cost regional option for cover in Norway and your home country, focused on inpatient and cancer treatment.
GeoBlue: Tailored Global Health Insurance for Expats in Norway
Expats in Norway can rely on GeoBlue for long-term international health coverage. Their Xplorer series—Essential and Premier—offers flexible plans with access to worldwide medical providers, designed for both US and non-US citizens.
Overview of GeoBlue’s Health Insurance Plans in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Xplorer Essential | 1,000,000* (with US add-on) | Covers hospital stays, surgeries, diagnostics, emergencies, evacuation, and annual health checkups | Optional U.S. coverage for residents |
| Xplorer Premier | Unlimited | Includes all Essential benefits plus coverage for pre-existing conditions, unlimited annual and lifetime maximums, and access to global providers | Add-ons: dental, vision, prescription medications, and telemedicine services |
*Estimate includes U.S. coverage.
The Essential plan provides solid protection for hospital care, emergency situations, and routine diagnostics, giving expats in Norway reliable peace of mind.
The Premier plan offers full global coverage with unlimited limits and pre-existing condition support. Optional add-ons like dental, vision, prescriptions, and telemedicine allow expats to personalize their plan for complete flexibility and convenience.
HealthCare International Group: Extensive Global Health Insurance for Expats in Norway
HealthCare International Group (HCI Group) provides extensive international health insurance solutions for expats in Norway. Their offerings cater to a diverse range of needs, ensuring that expats have access to quality healthcare services both within Norway and globally.
Overview of HealthCare International Group’s Health Insurance Plans in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Health Protect | Varies | Comprehensive inpatient and outpatient care, emergency evacuation, repatriation, 24/7 multilingual support | Dental, vision, outpatient |
| Integra Global | Varies | High-limit coverage, including cancer treatment with no annual or lifetime caps, access to top-tier medical facilities | Dental, vision, outpatient |
| MarineSure Health | Varies | Tailored for maritime professionals, covering medical emergencies at sea, repatriation, and routine care | Dental, vision, outpatient |
| OceanCare | Varies | Designed for aviation personnel, offering coverage for in-flight medical emergencies, repatriation, and routine care | Dental, vision, outpatient |
HealthCare International Group offers expats in Norway flexible health insurance plans. Coverage includes inpatient and outpatient care, emergency evacuation, and repatriation. Optional add-ons such as dental, vision, and maternity allow tailored protection for individual needs abroad.
Specialized plans are available for professionals in maritime, aviation, and other fields with unique healthcare requirements. With access to a global medical network and customizable options, HCI ensures expats in Norway have reliable coverage and peace of mind while living and working abroad.
IMG Global: Flexible International Health Insurance for Expats in Norway
IMG Global offers long-term health insurance designed for expats in Norway. With four plan tiers—Bronze, Silver, Gold, and Platinum—these plans provide customizable annual and lifetime limits, giving expats the flexibility to match coverage with their healthcare needs and budget.
Overview of IMG Global’s Health Insurance Plans in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Bronze | 1,000,000 | Core inpatient care, outpatient surgery, worldwide coverage, and emergency evacuation (up to USD $50,000) | Dental, vision, maternity, telemedicine, customizable riders |
| Silver | 5,000,000 | Includes Bronze benefits plus enhanced outpatient services and broader international flexibility | Same as Bronze |
| Gold | 5,000,000 | Builds on Silver with extended evacuation coverage up to lifetime limits | Same as Bronze |
| Platinum | 8,000,000 | Offers Gold benefits plus maternity and newborn care after the qualifying period | Same as Bronze |
The Bronze and Silver plans provide reliable inpatient and outpatient protection, including surgery and emergency evacuation. These tiers are ideal for expats in Norway seeking solid coverage with flexibility and manageable limits.
The Gold and Platinum plans offer higher limits and extra benefits, including full evacuation, maternity, and newborn care. Platinum delivers the most comprehensive protection, perfect for expats wanting maximum peace of mind and global coverage.
MSH International: Flexible International Health Insurance for Expats in Norway
MSH International offers flexible health insurance for expats in Norway, covering inpatient and outpatient care, maternity, medical evacuation, and optional dental or vision. Plans like First’Expat+, Relais’Expat+, and Start’Expat cater to both short- and long-term stays.
Overview of MSH International’s Plans for Expats in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| Start’Expat+ | 625,000 | Inpatient & outpatient care, basic medical evacuation | Dental, vision |
| First’Expat+ | 1,250,000 | Expanded inpatient/outpatient coverage, maternity, emergency support | Dental, vision, maternity |
| Relais’Expat+ | 3,750,000 | Full inpatient/outpatient, maternity, medical evacuation, chronic care | Dental, vision, maternity |
MSH International provides expats in Norway with flexible health plans. Start’Expat covers short-term stays with emergency care, First’Expat+ adds maternity, chronic care, and broader outpatient services, while Relais’Expat+ suits those linked to French Social Security.
All plans offer optional add-ons like dental, vision, and legal assistance. With a global network of providers, timely care in Norway and abroad, and tailored coverage options, MSH ensures expats receive reliable, adaptable health insurance that meets diverse needs.
NOW Health International: Tech-driven Health Coverage for Expats in Norway
NOW Health International offers streamlined, technology-driven health insurance for expats in Norway. Their two main series—SimpleCare and WorldCare—offer tiered plans with adjustable limits, allowing expats to select coverage tailored to their healthcare needs and budget.
Overview of NOW Health International’s Plans for Expats in Norway
| Plan Name | Annual Limit (USD) | Coverage Highlights | Optional Add-ons |
| SimpleCare Core | 1,000,000 | Basic inpatient/day-patient care, emergency treatment, evacuation, and repatriation | Outpatient (in higher tiers only) |
| SimpleCare 100 / 250 | 1,500,000 | Adds outpatient care, chronic condition support, and limited dental (250 tier) | Dental, vision, maternity (tier-dependent) |
| WorldCare Essential | 3,000,000 | Inpatient/day-patient, organ transplants, evacuation, congenital conditions, and optional maternity | Outpatient, dental, maternity |
| WorldCare Advance / Excel / Apex | 3,500,000–4,500,000 | Enhanced inpatient/outpatient, dental, complex maternity, and higher annual limits across tiers | Full outpatient, dental, maternity |
The SimpleCare plans provide essential inpatient and emergency care for expats in Norway. Higher tiers add outpatient treatment, chronic condition support, maternity, and dental benefits, giving flexible options for more complete healthcare coverage abroad.
The WorldCare plans offer expanded protection with limits from USD $3 million to $4.5 million. They cover inpatient and outpatient care, complex maternity, dental, and chronic condition management, while digital tools and fast claims make accessing global healthcare seamless.
Why Use a Broker for Health Insurance in Norway
Expats in Norway can benefit immensely from working with a health insurance broker. Navigating both local and international insurance options can be complex, and a broker like Pacific Prime provides expert guidance to help you find plans that match your healthcare needs and budget.
Brokers offer personalized support, assessing your health situation, lifestyle, and financial priorities. Pacific Prime helps compare insurers, tailor coverage for pre-existing conditions, and simplify the application process while also assisting with claims to make managing insurance hassle-free.
Benefits of working with a health insurance broker:
- Access to a wide range of international and local insurance providers, giving expats more options.
- Deep expertise in Norwegian insurance regulations and local healthcare systems.
- Customized advice based on your health, lifestyle, and financial situation.
- Assistance with paperwork, applications, and claims to save time and avoid errors.
With Pacific Prime’s guidance, expats in Norway can secure the best health insurance plan for their needs. Their experience ensures you get comprehensive coverage, financial protection, and peace of mind while living abroad.
Protect Your Health in Norway with Pacific Prime
While Norway offers excellent healthcare services, expats may encounter difficulties understanding local hospital systems, coverage rules, or finding specialist care. International health insurance ensures you are ready for any medical situation.
With international health insurance, you gain financial security and confidence, covering routine appointments as well as unexpected emergencies abroad. This prevents sudden medical bills from disrupting your life in Norway.
With over 25 years of experience, Pacific Prime assists expats in Norway in selecting health insurance plans suited to individual and family needs, making it easier to access reliable care and maintain peace of mind.
Contact us today for a free plan comparison and expert, impartial advice.
Frequently Asked Questions
What is the importance of having international health insurance as an expat in Norway?
International health insurance ensures expats in Norway can access high-quality medical care, both locally and globally. It protects against costly medical bills, covers emergencies, and provides peace of mind while living abroad.
How can a broker help me with health insurance in Norway?
A broker like Pacific Prime can simplify the process by comparing multiple plans, explaining policy details, and recommending options based on your health, lifestyle, and budget. They save time, help with applications, and provide ongoing support for claims and policy adjustments.
How do insurance providers handle pre-existing conditions in Norway?
Coverage for pre-existing conditions varies between providers. Some may exclude them, limit benefits, or impose waiting periods. Reviewing the policy carefully and consulting a broker ensures your condition is properly covered and avoids unexpected gaps in care.
After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.
Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.
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