Health Insurance For Self-employed Individuals In Europe

Health Insurance For Self-employed Individuals In Europe – The European Health Insurance Card officially documents that you are entitled to medically necessary healthcare coverage in another EEA country under the same conditions as your own nationals. You should carry the card if you are temporarily staying in another EEA country or in Switzerland

It is important that you know what rights the card gives you Read this page for more information

Health Insurance For Self-employed Individuals In Europe

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

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Pensioners who have moved to another EEA country can also get a European Health Insurance Card Find out about your right to a European Health Insurance Card as a pensioner here (in Norwegian).

The right to a European Health Insurance Card also applies in many cases to family members who do not themselves have the citizenship of an EU/EEA country. In this context, family means

UK citizens who settled in Norway after 31 December 2020 are no longer eligible for a European Health Insurance Card – unless an exception applies to family members.

Note that each family member must carry their own personal card You can order a European Health Insurance Card for yourself, and children under the age of 18 are also responsible for your parents. can get

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People with stateless or refugee status can also get a European Health Insurance Card

UK citizens who hold a portable document S1 issued by Norway can still get a European Health Insurance Card from Norway. Please note that British citizens cannot use the European Health Insurance Card in Switzerland

If you are a member of the Norwegian national insurance scheme, but are not entitled to a European Health Insurance Card, you can receive healthcare coverage during a temporary stay in other EEA countries. This can happen if you are a student and have a loan from the state education loan fund, and if you are a post employee. You may be entitled to enhanced benefits In some cases, NAV may need to be determined whether you are a member of the Norwegian National Insurance Scheme In that case, Helpfo will ask you to contact them

Contact Helpo if you are unsure whether you are entitled to a European Health Insurance Card or healthcare coverage abroad. Call guidance on phone number 23 32 70 00 Fax from abroad: +47 33 34 73 73

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Note that in many cases the European Health Insurance Card is issued in a paper version rather than a plastic card

The European Health Insurance Card only entitles you to medically necessary healthcare from hospitals and/or doctors associated with state-provided healthcare in your country of residence. You are entitled to coverage on the same terms as nationals of the country and you have to pay the same user fees as nationals of the country.

Be aware that the standard of care may vary from country to country You cannot automatically expect to receive the same treatment in Norway

It is important to consider what medical treatment is required, and your rights under the European Health Insurance Card, what type of healthcare is required and how long you intend to stay in the country. You are entitled to health care that is considered medically necessary to continue your stay in the country you are visiting.

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A European Health Insurance Card may entitle you to certain essential nursing and care services under the laws of the country you are traveling to. You will need to contact the authorities of the country you are traveling to or the country you are traveling to for information on the laws that apply.

Your healthcare rights are limited under the EEA Agreement It is therefore essential to have personal travel insurance in addition to the European Health Insurance Card

The European Health Insurance Card does not entitle you to coverage of expenses if you travel abroad for the purpose of receiving treatment.

This card is usually valid for three years if you are a member of the Norwegian National Insurance Scheme

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You have an obligation to notify Helpo of changes that may affect your right to use the Card Please contact us if you are not sure

In the event of misuse of the card, the cardholder will be liable for damages to the Norwegian national insurance scheme.

Helpo recommends that you take out personal travel insurance in addition to your European Health Insurance Card In many countries, the state will not fully cover medical expenses. This may also apply to hospital stays

The European Health Insurance Card does not cover the cost of traveling home if you are ill or injured in an accident Private travel insurance insures you against expenses incurred in the country of residence or return home in the event of an accident

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As the name suggests, the European Health Insurance Card cannot be used outside the EEA or Switzerland It is also not valid in Svalbard

As a general rule, the Norwegian national insurance scheme will not cover healthcare costs during a tourist’s stay outside the EEA or Switzerland. So you should take personal travel insurance for any such trip

The UK has left the EU, and you will no longer be able to use your Norwegian European Health Insurance Card in the UK. Exception: If your stay in the UK started before 2021, your rights under the European Health Insurance Card scheme will last until the end of your stay.

If the hospital or institution treating you does not recognize or accept your European Health Insurance Card, you will have to pay out of pocket and make sure you get an original itemized bill, original receipt and documentation of treatment.

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This also applies if you have forgotten to use your European Health Insurance Card, or if you have been treated in a hospital and/or treatment provider not associated with the public health service. Find out more about the type of healthcare you receive if you are treated privately (in Norwegian).

If you did not take the card with you abroad but need treatment during your trip, Helpfo can, where appropriate, issue an emergency form called a Provisional Replacement Certificate. In that case, we send the Provisional Replacement Certificate to the medical center where you are. A Provisional Replacement Certificate is a paper-based version of the European Heath Insurance Card and gives you the same rights.

If you need a Provisional Replacement Certificate, you must contact HelpFo during office hours, which are Monday to Friday, 08:00 to 15:30. Provisional replacement certificate may also be issued with retroactive effect.

The application form and documentation must be sent to Helpfo within 6 months of each individual invoice date, i.e. the invoice date you receive. If you receive treatment on that day, the time limit will begin on that day

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The Helsingborg Omskorgsdepartment has proposed changes to the law governing the application deadline for reimbursement of treatment received abroad. This means that if you are not settled in place, but receive an invoice later, the deadline is calculated from the date of the invoice rather than the date of treatment.

When you order your European Health Insurance Card from Helpo, it will take ten days

For those living outside the country, it may take more than ten days to receive your card

The card will be sent to the address where you – or the family member you order the card for – is registered in the Norwegian National Registry.

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If you are an employee and your employer exempts you from registration in the State Register of Employers and Employees (A-Register), you can order a European Health Insurance Card by filling out this form:

Do you have an S1 certificate that includes your family (children/spouse), and they need a European Health Insurance Card from Norway?

For any of the above situations, please call Guidance on +47 23 32 70 00 for assistance in ordering a European Health Insurance Card for your child/spouse. In these circumstances it is not possible for you to order a European Health Insurance Card via self-service

You can order the European Health Insurance Card for children under 18 years of age for whom your parents are responsible. Yes The card will be sent to the address where you – or the family member you order the card for – is registered in the Norwegian National Registry.

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You cannot order online for people other than you, your spouse, cohabitant or children of your spouse/partner. Anyone who has their own Bank-ID will log in and order separate cards.

If for some reason a person cannot use the self-service solution, for example an elderly parent, you can order on their behalf. In this case, call

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