Icelandic Health Insurance
Healthcare is subsidized in Iceland and residents are automatically covered by the Icelandic Health Insurance after six months of registered legal residency in Iceland.
Everyone that has legally resided in Iceland for six months is automatically covered by the Icelandic insurance system. If you are a citizen of a country that is part of the European Economic Area (EEA), and were registered in that system, you can apply for the move between insurance systems to take effect once your legal residence has been registered in Iceland. You must apply for this at Icelandic Health Insurance.
If you can apply for it in advance in your home country, bring E-104 or S041 form from the country you are moving away from that proves that you were insured there less than two months before you registered your domicile in Iceland. If your country does not hand out these forms to individuals, Icelandic Health Insurance can request it on your behalf.
If you are not a European citizen, you will have to wait 6 months to become part of the system. You can buy special insurance to cover you during those six months. The only exception is if you are moving to Iceland from a Nordic Country, then you can apply for Icelandic Health Insurance from the day your legal residence was registered in Iceland.
Temporary insurance providers
The insurance providers listed here have websites and information in English.
Here is a list of foreign insurance companies that are authorized to provide services in Iceland.
Here is a list of all the Icelandic Insurance companies.
Maximum amounts per month
Once you are in the system, the maximum amount you will pay for healthcare in one month is ISK 25,100 as an adult or ISK 16,700 as a child or pensioner. If you continue to need healthcare, the maximum amount you will pay per month will be ISK 4,183 or ISK 2,783 for retirees and children. This applies to doctor’s appointments, physiotherapy, CT scans, MRI scans, operations and more.
Pregnant women do not pay for healthcare during pregnancy, the only exception is the 12 week ultrasound which is optional. Otherwise, being pregnant in Iceland is free of charge and you won’t be charged for meeting midwives or doctors, the 20 week ultrasound or delivery.
For medicine, the maximum amount per month is ISK 22,000 or ISK 14,500 for children and retirees. The minimum amount after that is ISK 4,000 per month and Icelandic Health Insurance will pay the difference.
Dental care is not covered by Icelandic Health Insurance. Dental care for children under 18 is free of charge. Adults pay according to dentist’s pricelist. Pensioners pay 50% of the full price if the dentist is party to a new contract with the Icelandic Health Insurance. You can find your local dentist here.
Where to seek healthcare in Iceland
If you are sick but it is not an emergency, please refer to your closest Health Care centre (Heilsugæsla). Request an appointment with a doctor there and that doctor will refer you to an appropriate specialist if necessary. Try calling early in the morning to book an appointment or do so online via Heilsuvera.is if you have electronic ID and are already part of the healthcare system. This site is only available in Icelandic.
In case of emergency, call the National Emergency number: 112
If appropriate, they will send an ambulance to get you.
In case of serious illness and accident, visit the Emergency Department at Fossvogur.
In case of the serious illness of a child, the Emergency Department at the Children’s Hospital at Landspítali. If a child has a medical emergency that is not related to illness, it should go to the Emergency Department at Fossvogur.
Bring along legal ID such as your passport or driver’s license and your European Health Insurance Card (E-111) or, if you have Icelandic Health Insurance, be sure to know your kennitala.
If you are working in Iceland temporarily (less than 12 months) for a foreign company and will use your resident countries insurance during your stay in Iceland, apply for the A1 certificate in your home country and bring it with you to prove that you are already insured during your stay in Iceland. Some countries won’t provide you with the A1 certificate in advance, in which case you may have to apply at Icelandic Health Insurance once you arrive in Iceland.
When you apply for the A1 certificate, also apply for the S1 certificate and register at Icelandic Healthcare Insurance when you arrive in Iceland, if you are moving with your family to Iceland, ask about whether your spouse and children will also be covered by your insurance. Or, you can each bring your European Health Insurance Card, issued by your home country, along to Iceland.
Travelling in Europe
The European Health Insurance Card (E-111) will entitle you to the same fees as locals pay for healthcare within the EEA. You can apply for it through Icelandic Health Insurance.