50 Best
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Best Health Insurance in Norway

6 insurers ranked and reviewed · Updated May 2026

Sources:Finans NorgeForbrukerradet (Norwegian Consumer Council)

Healthcare System Overview

Norway provides universal public healthcare through the National Insurance Scheme (Folketrygden), funded by taxation and social security contributions. Public healthcare covers hospital care, GP visits (with modest co-payments), and prescriptions. About 700,000 Norwegians (~13%) have private health insurance (helseforsikring), mostly employer-provided, for faster access to specialists and elective procedures.

#1

Gjensidige Forsikring ASA

private1.0M members
94Score
Finans Norge: #1 Norwegian Insurer(2026)
★★★★☆4.2satisfactionFinancial strength: A+ (S&P)

Market Share

~26%

Founded

1816

Sp Rating

A+

  • Norway's largest insurer with ~26% market share
  • Treatment guarantee — access to specialists within days
  • Comprehensive helseforsikring plans
  • Strong digital claims platform
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#2

If Skadeforsikring (Sampo Group)

If Skadeforsikring NUF

private600K members
88Score
Finans Norge: Pan-Nordic Leader(2026)
★★★★☆4.0satisfactionFinancial strength: A+ (S&P — Sampo Group)

Parent Company

Sampo Group (Finland)

Sp Rating

A+

Scope

Pan-Nordic (NO, SE, DK, FI)

  • Major pan-Nordic insurer
  • Strong employer health insurance
  • Treatment across Scandinavia (Norway, Sweden, Denmark)
  • Digital-first claims approach
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#3

Fremtind Forsikring AS

private500K members
84Score
Finans Norge: Largest Bancassurance(2026)
★★★☆☆3.9satisfactionFinancial strength: Strong (DNB + SpareBank 1 backing)

Owners

SpareBank 1 + DNB

Model

Bancassurance

Founded

2019

  • Norway's largest bancassurance insurer
  • Distributed through DNB and SpareBank 1 branches
  • Behandlingsforsikring (treatment insurance)
  • Strong digital integration with banking apps
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#4

Tryg Forsikring (Norway)

Tryg Forsikring

private400K members
82Score
Finans Norge: Strong Nordic Brand(2026)
★★★★☆4.0satisfactionFinancial strength: AA- (S&P)

Parent Company

Tryg A/S (Denmark)

Sp Rating

AA-

Norwegian H Q

Bergen

  • Danish market leader with strong Norwegian presence
  • Treatment insurance with fast access to specialists
  • Good digital claims processing
  • AA- S&P financial strength
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#5

Storebrand Forsikring AS

private300K members
80Score
Finans Norge: Heritage Financial Brand(2026)
★★★☆☆3.9satisfactionFinancial strength: Strong (publicly listed)

Founded

1767 (Norway's oldest financial group)

Focus

Pension + insurance bundle

Sustainability

Industry leader

  • Norway's oldest financial institution (1767)
  • Health insurance through main brand
  • Strong pension and insurance bundle
  • Sustainability leader in Norwegian finance
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#6

SpareBank 1 Forsikring

SpareBank 1 Forsikring AS

private300K members
76Score
Finans Norge: Regional Banking Alliance(2026)
★★★☆☆3.8satisfactionFinancial strength: Strong (SpareBank 1 alliance)

Model

Bancassurance (SpareBank 1 alliance)

Fremtind Relation

Co-owner of Fremtind Forsikring

Strong Region

Central and northern Norway

  • Distributed through SpareBank 1 bank branches nationwide
  • Co-owner of Fremtind Forsikring
  • Strong in central and northern Norway
  • Competitive pricing through banking relationships
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About Health Insurance in Norway

Norway provides universal public healthcare through the National Insurance Scheme (Folketrygden), funded by taxation and social security contributions. Public healthcare covers hospital care, GP visits (with modest co-payments), and prescriptions. About 700,000 Norwegians (~13%) have private health insurance (helseforsikring), mostly employer-provided, for faster access to specialists and elective procedures.

Our editorial team has evaluated and ranked the top 6 health insurers in Norway based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

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