If Helseforsikring

by If Skadeforsikring (Norway)

★★★★☆4(3,870 reviews)

If Skadeforsikring operates across the Nordic region as part of Sampo Group. In Norway it competes with Gjensidige for employer health insurance business, offering digital-first claims handling and competitive SME group pricing.

Monthly Premium

NOK 370 - NOK 1,050

Deductible

NOK 0

Coverage Type

standard

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✗Vision

✓Mental Health

✗Maternity

✗Prescription Drugs

✗Emergency Care

✓International Coverage

✓Telehealth

Pros

✓Pan-Nordic portability
✓Strong digital experience
✓Sampo Group financial strength

Cons

✗No physical Norwegian hospitals — partner network only
✗Less Norwegian brand heritage than Gjensidige

Editorial Review

“If's Sampo Group backing gives it pan-Nordic coverage options that pure Norwegian insurers cannot offer — valuable for Norwegian employers with operations across the Nordic region who want one insurer to cover employees in multiple countries.”

— Mordor Intelligence Norway Top Companies; NLSNorway Insurer Comparison