Insurance for students

AHO primarily seeks to prevent injuries. Should an accident occur, we provide an overview here of how you are insured as a student at AHO if you get injured during your studies.

AHO does not have a special insurance scheme for students because state educational institutions are not permitted to take out insurance on behalf of their students. The state is a so-called 'self-insurer'.

If students want the same insurance cover as AHO's employees, they have to take out their own travel and personal risk insurance. In some cases students may still be covered by their parents' insurance.
 

Insurance pursuant to the National Insurance Act

Students at AHO are usually automatically covered by occupational injury cover pursuant to the National Insurance Act, cf. section 13-10. This means students have the same rights as employees with regard to occupational injury cover, as long as the act's requirements are satisfied.

An occupational injury is defined as a personal injury, illness or death caused by a work accident, cf. the National Insurance Act, section 13-3. The injury must have been caused by a sudden, unexpected and unforeseen event.

In order for an injury to be covered, it must have occurred when the student was:

• in a teaching situation,
• on the institution's premises,
• during teaching hours.

The 'institution's premises' means the location where the tuition is actually provided. Working in a study hall or at the workshop is considered equivalent to receiving tuition.

Dekningen etter folketrygdloven omfatter også ekskursjoner, feltarbeid mv. utenfor universitetets område, forutsatt at virksomheten foregår i regi av universitetet.

The cover pursuant to the National Insurance Act is also valid for excursions, fieldwork, etc., outside the university’s premises, provided that the activities are conducted under the auspices of the institution.

The Norwegian Labour and Welfare Administration (NAV) will decide whether or not an injury is covered by the National Insurance Act. Students must apply for benefits from NAV themselves. Click this link to read more about occupational injury cover and the application process (nav.no).

If you have lived abroad for an extended period, you will cease to be a member of the National Insurance scheme. Click this link to read more about membership of the National Insurance Scheme.

If you are seriously injured and want to investigate whether the injury may entitle you to occupational injury compensation, contact the study administration for guidance. Note that injuries that may entitle you to future occupational injury compensation must be reported to NAV within one year after the injury occurred.

Insurance for foreign students

Foreign students are not automatically entitled to benefits from the National Insurance Scheme since they must have been in Norway for a certain amount of time before they become a member of the National Insurance Scheme. Foreign students must contact their local NAV office for more information.

Click this link to read more about rules for foreign students in Norway.
 

Utenlandsstudier

Students studying or travelling on field work abroad must have travel insurance. Therefore, students should check whether or not they have insurance that will cover any injury, loss or damage, and repatriation in the event of illness while they are abroad.

It is the students' responsibility to ensure they have travel insurance before they depart. UiO does not recommend particular types of insurance, but would like to point out that The Assosiacion of Norwegian Students Abroad (ANSA) has special offers for students who are going to study abroad.

More information

Students traveling for study stays outside the EU/EEA are advised to check their rights at Helsenorge.no.

If you are unsure about your membership in the National Insurance Scheme, you can find information about this at NAV.