Everyone who has had legal residency in Iceland for six consecutive months is covered by national health insurance. Icelandic Health Insurance is residency based and it is therefore important to register legal residence in Iceland as soon as possible. Icelandic Health Insurance (IHI) authorities determine whether citizens of EEA and EFTA countries are eligible to transfer their health insurance rights to Iceland.
The health insurance system in Iceland is a co-payment system with the aim of reducing expenses of those individuals who need health care a lot and have paid large sums for that service.
The maximum payment from 1 January 2021 is ISK 27.475 and the cost is be lower for the elderly, the disabled and children or ISK 18.317. Payments for services provided at health centres and hospitals are covered by the system, as well as health services for self-employed doctors, physiotherapists, occupational therapists, speech pathologists and psychologists. Additional information here.
EEA citizens that had health insurance in another EEA country before moving to Iceland can apply for health insurance from the day they register their legal residence in Iceland, see more information here.
Private health insurance for citizens outside of EEA/EFTA
If you are a citizen from a country outside of EEA/EFTA, Switzerland, Greenland and the Faroe Islands you are advised to buy private insurance during the time you are waiting to become health insured in the social insurance system.
For temporary workers from outside the EU health insurance is one of the primary conditions for issuing a residence permit. As temporary workers from outside the EEA do not have public health coverage, must apply for coverage from private insurance companies.
Here below you can see a list of insurance companies in Iceland, but there are also some foreign companies that are accepted in Iceland:
Health insurance for non-EEA/EFTA nationals
Applicants must purchase health insurance, called medical expense insurance, from an insurance company that is licensed to operate in Iceland.
This insurance must be valid for at least six months from the date on which legal domicile has been registered, or until the right to be medically insured in Iceland has been acquired. Further information is available from the following insurance companies:
Children and young parents under the age of eighteen are medically insured with their parents or guardians. The same applies to adopted children, step children and foster children.
Those who do not have health insurance must pay a higher fee for health services. Information on health insurance and other matters can be found on the website of the Social Insurance Administration (www.tr.is) and on the website of Icelandic Health Insurance.