Health Insurance in Iceland

Who is entitled?

Everyone who has been legally resident in Iceland for six months automatically becomes a member of the Icelandic social insurance system, regardless of nationality. Children and adolescents under the age of 18 are health insured with their parents. If you are a EEA citizen and moving to Iceland from another EEA country you can apply for health insurance from the day your legal residence is registered in Iceland.

Residence generally means domicile as defined in the Act on Domicile, and length of residence is therefore based on registration in The National Registry (Þjóðskrá).

If you do not qualify for health insurance for the first six months we advise you to buy private insurance until you are covered by our public health insurance. 

How to obtain benefits

If you are a citizen of a EEA country you need to apply for health insurance for the first six months if you were health insured in the public system of another EEA Member State.

Periods of insurance, employment or residence in other EEA Member States are considered to fulfill the six months qualification. These periods are confirmed on form E104. Persons transferring their residence to Iceland from another EEA Member State should obtain the E104 form confirming these insurance periods (or form PDS1 (E106/E109/E121 as appropriate) from the insurance institution where the person was last insured. These forms should be submitted to Icelandic Health Insurance with a registration form called Application for registration at Icelandic Health Insurance. If you cannot obtain the document the International department of IHI will request the document from your former country of insurance after you have applied for health insurance.

Benefits

The insurance contains health care that includes:

  • Hospitalization
  • Maternity clinics
  • Hospitalization abroad
  • General medical assistance outside a hospital by the patient's physician with whom the Icelandic Health Insurance has a contract
  • All necessary examinations and treatment carried out by specialists and institutions with whom the Icelandic Health Insurance has a contract
  • Medicine
  • X-ray examinations and radiation
  • Per diem cash sickness benefits
  • Midwife assistance in cases of birth at home
  • Dental and orthodontic treatment for children, people over 66 years, and pensioners
  • Transport costs and travel costs
  • Nursing in the patient's home
  • Assistive technology and nutrition
  • Physiotherapy

A person pays a certain patient fee for each consultation and other services that is fixed by regulations. See more information about our payment participation system here

General medical assistance outside a hospital

The insured person pays a minimum fee for the services of a general practitioner or a specialist outside of a hospital, while the remaining cost is covered by the insurance. The fee is decided in a regulation issued by the Ministry of Welfare. This applies to most services. Old age pensioners, invalidity pensioners and children pay a lower fee. See more information about our payment participation system here

Hospitalization - Inpatient care

Insured persons are entitled to free hospitalization, including maternity clinics.  Hospitalization is ensured for as long as necessary, along with medical care, required medicines and other hospital services.

Maternity care

Insured women in Iceland are entitled to free maternity care. Hospitalization is ensured for as long as necessary, along with medical care, required medicines and other hospital services.

Medicine

Medicine is obtained at pharmacies. A medical prescription must be presented. Insured person pays a specified fee, from 0-100% of the cost depending on the type of medicine. The fee for each prescription that the insured is required to pay is specified in a regulation issued by the Ministry of Welfare. See more information here.

Dental and orthodontic treatment

General dental and orthodontic treatment for persons between 18 and 66 years of age is not covered by the insurance.  However, in case of congenital defects, accidents or illness or in case of an invalidity pensioner there is a partial reimbursement of the costs. Dental treatment provided to children and adolescents under the age of 18 is free of charge

except for an annual appointment charge of 2.500 kr. at the beginning of each 12-month period. There is also a partial reimbursement of orthodontic care for persons under age 21. Dental treatment is partially reimbursed for people over 66 years and old age or invalidity pensioners. The reimbursement of dental costs is in accordance with a standard rate schedule issued by the Ministry of Welfare. Private dentists charge for their services according to their own fee schedules. See more information here.


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