TM Heilsutrygging

by TM tryggingar

★★★☆☆3.9(1,430 reviews)

TM tryggingar (TM Insurance) is one of Iceland's four main health insurers offering medical cost insurance. Domestic medical cost insurance is compulsory for non-EEA foreigners temporarily working or studying in Iceland, making TM one of the accepted providers for permit applications.

Monthly Premium

ISK 3,500 - ISK 15,000

Deductible

ISK 0 - ISK 50,000

Coverage Type

basic

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✗Mental Health

✗Maternity

✗Prescription Drugs

✓Emergency Care

✗International Coverage

✗Telehealth

Pros

✓Accepted for Icelandic work and study permits
✓Private specialist access
✓Competitive pricing

Cons

✗Minimal private health market differentiation
✗Public system makes comprehensive plans low-priority

Editorial Review

“TM's compulsory status for non-EEA foreign workers and students in Iceland gives it a structural demand that no amount of public healthcare excellence can eliminate — it is the gateway product for Iceland's international academic and seasonal worker communities.”

— PitchBook TM tryggingar; Study.Iceland.is Health Care; ExpatFocus Iceland