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. This applies unless intergovernmental treaties say otherwise. Children and adolescents under the age of 18 are covered for health insurance with their parents.

How to obtain benefits

There is no public health insurance coverage for the first six months of residency if intergovernmental treaties do not apply to you. Medical assistance during this period must be paid in full by the patient.   

If you are from a country within the EEA you should bring the European Health Insurance Card (EHIC) for use in Iceland.

Periods of insurance, employment or residence in other EEA Member States are taken into account in order 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 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.

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
  • aid apparatus
  • physiotherapy

A fee to be paid for each consultation and other services is fixed by regulations. The extent of patient participation in the costs of the above health care services varies according to the service in question.

General medical assistance outside a hospital

The insured individual 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 health. This applies to most services. Old age pensioners, invalidity pensioners and children with disabilities pay a lower fee.

Discount cards

Afsláttarkort (discount cards) are available to persons who have, during one calendar year, paid a specified amount for physician and health care services. When an individual has a card the fees for health services are lower.

Hospitalization

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

Women with health coverage insurance 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.  Costs of medicine which the insured must of vital necessity use regularly are covered in full. With respect to other necessary pharmaceutical costs the insured 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 Minister.

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 partially reimbursed by the insurance. 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 health. Private dentists charge for their services according to their own fee schedules.



 


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