How To Get Health Insurance in Iceland

Navigating Healthcare in Iceland: A Guide for Future Residents

If you’re planning a move to Iceland, understanding the healthcare system and health insurance in Iceland is crucial, especially during your initial months in the country.

Universal Healthcare in Iceland

While Iceland offers healthcare to all its residents, there is a waiting period of six months before you can apply for public health coverage. This means that during your first six months in Iceland, you will need to consider private health insurance to cover any potential medical costs.

EU/EEA Citizens and Healthcare in Iceland

However, if you are a citizen of the EU/EEA, you may be able to bypass this waiting period and access universal healthcare immediately upon arrival. This is possible if you have been insured, employed, or held residence in another Nordic country or other European Economic Area (EEA) member state prior to acquiring legal residency in Iceland. You can count the time spent in those countries towards the fulfilment of your six months’ qualification period, as long as you supply proper documentation.

Private Health Insurance in Iceland

Several Icelandic insurance companies offer health insurance coverage for those who need it during the waiting period. These companies include Sjóvá, VÍS, and TM. It’s advisable to get quotes from these companies to help you make an informed decision about which insurance coverage is best for you during your initial months in Iceland.

Transitioning to Public Health Coverage

Once the waiting period is over and public health coverage applies, private health insurance is no longer needed. This is because the publicly financed health system offers universal coverage linked to residence. By law, all residents should have access to the best health care available regardless of age, gender, race or ability to pay. Eligibility and coverage are regulated in the Health Insurance Act of 1957. Everyone who has been legally residing in Iceland for six months is automatically covered, regardless of nationality, unless intergovernmental treaties state otherwise.

Conclusion

In conclusion, understanding the healthcare system in Iceland is a crucial step in planning your move. By equipping yourself with this knowledge, you can ensure a smooth transition and peace of mind as you embark on your new journey in Iceland.