Expatriate insurance

Covers expenditure incurred in connection with essential medical treatment resulting from acute illness, unexpected deterioration of an existing illness, accidental injuries or death.

We will cover the cost of travel and accommodation for up to two close family members when the insured party suffers from an acute, serious illness, serious accidental injuries or death.

Up to NOK 100 000 per person per year, to cover the cost of consultations with a GP/specialist, physiotherapist, chiropractor, acupuncture, naprapath, psychiatrist or psychologist, as well as the cost of essential blood tests, prescription drugs, essential vaccines, samples/tests and X-rays.

This insurance covers the cost of essential ambulance transport.

This insurance covers up to NOK 10 000 per person per year for the cost of acute dental treatment.

This insurance covers the cost of planned and normal births, including pregnancy check-ups, by up to NOK 150 000 per birth.

This insurance covers medical transport to the nearest approved treatment facility if satisfactory treatment is not available wherever the insured party is staying.

This insurance covers essential expenditure on extraordinary home transport to the place where the insured party has been posted or to his/her home country after hospital treatment has been concluded. In the event of death, the cost of transporting the coffin/urn to the home locality of the deceased will be covered.

Covers cancellation costs of up to NOK 125 000 per person/up to NOK 250 000 for family members when a journey has to be cancelled due to acute illness, accidental injuries or death suffered by yourself, your single travelling companion or someone in your or your companion's close family, or when you are unable to travel as a result of a burglary or fire, etc. occurring at your residence, place of business or office and such requires your presence.

Covers the cost of travel and overnight accommodation of up to NOK 3 000 per person - up to NOK 6 000 for family members - when transport organised by the travel operator fails to run as planned as a result of weather conditions, technical faults or a traffic accident involving such transport.
If a delay lasting for at least 2 hours causes you to arrive too late to catch pre-paid transport and such has been caused by weather conditions, technical faults or a traffic accident involving such transport, we will cover the cost of catching up with your planned travel itinerary by up to NOK 30 000 per person and up to NOK 75 000 for family members.
The cost of purchasing essential items of clothing and toilet articles will be covered if your luggage arrives more than four hours late on your outward journey, by up to NOK 5 000 per person for private trips and by up to NOK 10 000 for business trips.

The cost of any luggage lost or damaged as a result of theft or vandalism, etc. will be covered by up to NOK 100 000 per person/up to NOK 200 000 for family members. Lost money will be covered by up to NOK 3 000 per person/NOK 6 000 for family members, passports and tickets by up to NOK 10 000, valuables by up to NOK 20 000 per person/ NOK 35 000 for family members and any other individual items by up to NOK 20 000 per claim.

In addition to personal luggage, this insurance will also cover any losses/damage to property belonging to employers by up to NOK 15 000.

This insurance covers any legal liability in damages that you, in your capacity as a private individual, might incur while travelling outside your own municipality, in accordance with the current legislation which applies in the individual countries concerned, by up to NOK 15 000 000.

Covers the cost of legal aid if you, in your capacity as a private individual, become involved in a dispute which occurs while you are posted abroad and you require legal aid, by up to NOK 100.000.

We will cover any essential and extraordinary travel expenditure incurred when the insured party has to travel back to his/her home country due to someone in their close family suffering from a sudden and serious illness or serious accidental injury, and to attend funerals. The sum insured is up to NOK 60 000 and also includes a return journey to the place where the employee concerned has been posted.

We will cover the cost of travel and accommodation for up to two close family members when the insured party suffers from an acute, serious illness, serious accidental injury or death.

This insurance covers the contents of the insured party's permanent residence at the place where he/she has been posted, by up to NOK 200 000. Deductible NOK 4 000.

Compensation for permanent medical disability and death as a result of accidental injuries occurring at the station abroad or while travelling. For spouse/partner the sum insured is normally NOK 300 000 in the event of death/disability, and for children under the age of 21 it is NOK 50 000 in the event of death and up to NOK 500 000 in the event of disability. The accident insurance is valid for spouse/partner and children up to 21 years, with the same residential address as the expatriate at the station abroad.