Expatriates

How should I prepare for my expatriation?
Before your expatriation starts it is beneficial to ensure that your passport is valid. Some countries require that your passport is valid for 180 days after entry. Visa and/or insurance certificates are required for entry into a few specific countries. If you travel to a country that requires visa make sure you apply well in advance. We always recommend that you check the current travel restrictions for your destination.

Where can I find my insurance number?
You can find your insurance number on your travel card or you can contact you employer. You need your policy number e.g. when you file a claim to If or when you contact with the assistance partner.

How can I get the insurance card?
Please ask for travel insurance card or travel certificate from your employer. The travel card includes your company name, policy number and contact information of your travel assistance partner. The travel certificate includes more specific information of your coverage.

Where can I find information of my expatriation coverage?
You can find some general information about the insurance here. Please contact your employer or you can log on to My pages for more detailed information.

Covid 19 tests and certificates
The insurance covers Covid-19 test for persons with symptoms compatible with the infection, or when required from airline/government upon business travel.

Covid 19 Vaccination
The covid19 vaccination is covered by the insurance.

I need a medical check-up before I start my assignment. Is this covered by the insurance?
No, the insurance does not cover medical check-ups without any particular signs of illness.

Expatriation in China
Treatment in China can very expensive depending on the treatment place. Therefore, it is essential that you contact our assistance partner before you seek medical assistance China.

You will find their contact information on your insurance card.

Our assistance partners have a wide network of clinics where the quality has been controlled and the price levels are reasonable.

They are on duty 24 hours a day and they will advise you of the nearest co-operative physician and assist in arranging a verification of benefits (guarantee of payment) to the clinic.

Expatriation in USA
When you start your assignment in USA you will receive information from our assistance partner about the routines of the health care system. the insurance field works in a different way than what many of us are used to. In case of illness or accident, we recommend you to contact our assistance partner, who will advise you to the nearest recommended clinic.

Our assistance partners has a wide network of clinics where the quality has been controlled and they are able to assist in arranging a verification of benefits (guarantee of payment) directly to the clinics. For more information about the health care system you can contact our assitance partner.

Is it safe to travel to the travel destination?
It is always a good idea to check the Ministry of Foreign Affairs in your country to get information about your destination country.

Follow also for your employer's travel guidelines.

Changes in the family situation
Your employer maintains the list of your company expatriates in special If portal and in case of claim If checks the validity of the expatriations from that portal.

It is very crucial that you keep your employer posted if there are changes in your family situation like new born babies or moves from family members away from expat locations. If If does not find person name in the expat list we are not able to handle the case until we get confirmation from the employer which can take some time.

How is my insurance valid during the expatriation?
The insurance is valid during the whole expatriation and during the business journeys related to your work tasks of the expatriation in question. The insurance is also valid during leisure time journeys throughout the world, also in your home country.

The insurance also covers your family if you have agreed this with your employer. Please check this directly with your employer.

Travelling to war risk areas
Please contact your employer before travelling to risk areas to make sure your insurance cover is eligible.

I cannot travel as planned. Does the insurance cover tickets if I cancel my trip?
We mainly cover cancellations caused by sickness. For example, in case you or someone in your immediate family falls unexpectedly, acutely ill or is seriously injured in an accident or dies. We also cover cancellations if an epidemic/natural disaster at the destination makes it inaccessible and staying there is a threat to life and health; or an act of torrorism/war where the Government advises against all travels to the area. For complete overview, please see our terms and conditions.

You should first claim compensation from the tour or transport operator, and only then from the insurance company. The insurance can cover the part that the tour or transport operator does not cover.

After you have received compensation from the tour or transport operator, please report a claim to us.

My flight has been cancelled, can I get this refunded by the insurance?
The insurance does not cover the cancelled flight ticket. When the airline company cancels the flight they are obliged to offer you a new departure, and if this is not possible, offer you a refund.

My flight has been delayed, can I get new tickets refunded by the insurance.
When a flight is delayed it is the airline companys responsibility to re-book you on a later flight or offer you a refund.

We cover the extra costs for a new flight ticket if the flight, or other public transportation, does not depart on scheduled time due to e.g. extreme weather conditions, traffic accident or another incident that leads to a extraordinary traffic situation or technical error. Food and beverage is not covered.

The insurance covers travel expenses if the airline/tour operator is unable to re-book your a new journey within 24 hours. The insurance covers accommodation if the airline company/tour operator cannot offer you transport until the next day.

I have a chronical condition. Am I covered by the travel insurance?
We cover necessary medicines and requisite check-ups at the doctor’s. If your condition has an acute detoration and you need other medical treatment, please contact us for further assistance.

Which clinics can I use abroad?
We recommend contacting our assistance partners. The standard of the hospitals/clinics can vary between countries and our assistance partners will help you find the best preferred clinic in their quality controlled network. They can also, in most situations, place a guarantee of payment.  and monitor your treatment.

What should I do if I get sick or injured abroad?
Our assistance partners offers immediate help 24/7. ​

We have Euro Centers on each continent, 11 in total.

SOS international who speaks Nordic languages in addition to English. Contact via our Europeiske app.

Have you paid for medical expenses and want to request a refund?

Do I need to pay the medical expenses at the clinic?
If you are in contact with our asstance partner they might be able to place a gurantee of payment or pay the hospital/doctor directly. However, in some countries the clinics and doctors will not accept payment from others and you will have to pay yourself and claim the costs by submitting a claim form when you get back home. It is important that you keep all medical reports and receipts. You can upload this when submitting a claim.

Crisis situation abroad (natural catastrophe terrorist attack etc.) - what to do?
If there has been a terror attack or other crisis/catastrophe is going on in your travel destination, you should first check the instructions from your employer.

Follow closely also the instructions from the relevant authorities.

If you need medical attention, always contact our 24/7 assistance partner – you will find the contact information in your insurance card. For more information, check our Europeiske app.

Do you cover dental treatment?
Dental treatment due to an acute illness/injury is covered up to NOK 10 000 per person per insurance year. Regular check-up/whitening/cleaning/braces is not covered.

Do you cover transport to/from the doctor/hospital?
The insurance only covers transportation by ambulance.

Do you cover vaccinations?
The insurance covers childrens vaccination and vaccination necessary for staying at the station abroad, recommended by WHO.

How do you cover pregnancy related costs?
The insurance covers up to NOK 100,000 per pregnancy for expenses for usual and customary pregnancy examinations and normal delivery or planned C-section. Expenses for post-partum examinations immediately following delivery are also covered.

If something acute happens during the delivery that requires an emergency C-section, this is covered without limitations on the sum.

What should I do if I need treatment while I am in my home country?
The expatriate insurance also covers medical expenses while on vacation in your homeland. If it's just a minor thing you can go straight to the doctor and then claim a refund. If you need medical assistance, or if the medical expenses are expected to exceed NOK 10 000, you must contact Euro Center or SOS via Europeiske app and they will assist you.

A close relative back home has become ill, does the insurance cover my expenses for travelling home?
The insurance covers extra expenses for a return ticket/tickets if the employee interupts the business trip due to e.g. a close relative suffers a life threateningly illness, accident or deceases.

You must always contact the airline first to see if you can re-book your ticket. We cover economy flight tickets.

What is regarded as luggage? How are money or valuables covered? What should you not have in your check in luggage.
Luggage means items you bring with you on your travel. Money and valuables are covered to some extent, please see terms and conditions. You must not check in money, valuables, electronic deviced, medication, fragile items.

My luggage (e.g. mobile phone, laptop) is stolen - what to do?
Contact the police and report the theft. Make sure to collect the police report. File your claim to If and attach a list of the stolen items from your luggage, specify the price and date of purschase for each item individually. If you have receipts for the items, you can attach these together with the police report.

My check-in luggage is damaged - what to do?
The insurance covers damage to ckecked in luggage if you have a Property Irregularity report (you get this at the counter at the airport). Fragile items or valuables, such as computer, camera, money and jewelry sholud not be in checked-in luggage and is not covered if damaged or stolen. Damage to suitcase/bag under transport is the airlines responsibility, and is not covered by the insurance. This must be reported directly to the airline.

My check-in luggage is delayed, what do I do?
When your luggage is delayed, you can buy the most essential clothes and hygiene articles to manage until you get your luggage again. Make sure to keep the receipts.

You must make a PIR report (Property Irregularity Report) at the airport if your luggage doesn’t arrive on time.

The maximum cover amount is NOK 5000 for leisure travels and NOK 10 000 for business travel.

My check-in luggage is lost - what to do?
If your luggage hasn’t arrived and the airline confirms that it is lost (usually after 21 days), primarily the airline or tour operator is responsible for compensation. You must make the PIR report (Property Irregularity Report) at the airport if your luggage doesn’t arrive on time.

If the airline doesn’t compensate the loss of luggage in full, you can claim the exceeding amount up to the maximum amount stated in the insurance letter. Please note that valuable items should be carried in the hand luggage.

How do I file a claim?
You can file a claim here. If you need immediate assistance, please contact our assistance partners.

Please keep all documentation like receipts, police report, medical reports and prescriptions. You can upload this in our claim form.

Please contact us if you are hospitalized, if your treatment costs are expected to exceed NOK 10 000 or if you need to.

Most of our claims are setteled within 48 hours. After you have submitted the claim you do not need to contact us, we will contact you if we need anything else to handle your claim.

How do I seek for treatment when my expatriation is over?
When your expatriation ends, you are no longer covered. We kindly ask you to prepare in beforehand and check how your private and national insurance coverage can be arranged and set valid when you return back home. This applies also to your accompanying family members.