Information in English
At NAR we have our own insurance office, offering members a wide range of insurance policies. Call us, and we will help you choose the right policy for your needs. If you are uncertain about which insurance policy suits you best, we will be happy to assist you free of charge.
The insurance policies we offer apply to all members, with standardized terms, conditions and pricing.
The following is only a brief summary. For more information, please contact our insurance office.
Basic insurance
New members, except students, automatically join a basic insurance plan without providing any information on their health. Coverage is as follows:
- Life insurance: 6 B.a.
- Disability insurance: 4,8 B.a. (0,12 B.a discount per year between ages 26–60)
- Accident insurance: 45 B.a. (covers member, spouse and children until the age of 21)
- Critical illness: 1 B.a.
“B.a.” refers to the “basic amount” under the Norwegian National Insurance Scheme. This amount changes every year. For 2023/2024 basic amount has been set to NOK 118 620.
Disability insurance expires at age 60 at year-end, while the remaining insurance policies expire at age 67 at year-end.
The monthly premium for basic insurance is NOK 198. This is deducted from the member’s salary along with NAR’s membership fee.
If you have no need for basic insurance, you can opt out by filling out a declaration form. Contact our insurance office for help.
Please note that disability insurance requires you to be a member of the Norwegian National Insurance Scheme. See www.nav.no/english for more information on how to become a member.
Optional life, disability and critical illness insurance
As a member, you and your spouse, registered partner or cohabitant can take out additional coverage for life, disability and/or critical illness. To apply, you have to fill out a health declaration form. Additional coverage requires you to have compulsory insurance.
Life insurance
Life insurance is a top priority when you want to make sure your loved ones are protected. Our life insurance covers any death regardless of cause. You can choose between 12 B.a, 24 B.a. and 36 B.a. coverage. The policy expires at age 70 at year-end.
Disability insurance
Disability insurance can play a crucial role in keeping you financially afloat if a disabling illness or injury should strike. You will receive a one-time disability payment in case of 40% or more permanent occupational disability. You may also receive a disability payment if you have been at least 40% disabled for 36 months, and will be so for at least another 12 months.
You can choose between 12 B.a, 24 B.a. and 36 B.a coverage. The policy expires at age 60 at year-end.
Please note that disability insurance requires you to be a member of the Norwegian National Insurance Scheme. See www.nav.no/english for more information on how to become a member.
Critical illness
This policy covers you financially in case of cancer, heart attack, brain tumor, burn injuries, multiple sclerosis and other critical illnesses or injuries listed in the policy document. You can choose anywhere from 1–7 B.a. coverage.
Annual premiums in NOK
| Age | Member | Member | Co-insured | Co-insured | Member/ Co-insured |
|---|---|---|---|---|---|
| 12 B.a. death | 12 B.a. disability | 12 B.a. death | 12 B.a. disability | Critical illness per B.a. per year | |
| 18 – 30 | 195 | 668 | 223 | 947 | 110 |
| 31 – 35 | 323 | 854 | 394 | 1 197 | 184 |
| 36 - 40 | 447 | 1 662 | 600 | 2 327 | 252 |
| 41 – 45 | 793 | 2 395 | 1 081 | 3 322 | 436 |
| 46 – 50 | 1 297 | 3 795 | 1 736 | 5 281 | 761 |
| 51 – 55 | 1 955 | 5 151 | 2 366 | 7 145 | 1 198 |
| 56 – 60 | 2 481 | 6 680 | 2 976 | 9 304 | 1 903 |
| 61 – 65 | 3 494 | 4 068 | 2 925 | ||
| 66 – 70 | 4 916 | 5 380 | 4 492 |
For 24 B.a. coverage (death and disability insurance), simply double the figures above
For 36 B.a. coverage (death and disability insurance), simply triple the figures above
Home insurance
Home insurance is designed to provide you with financial protection against damage to, or loss of, contents in your home.
The premium depends on your location.
| Zone | Coverage NOK 500 000 | Coverage NOK 1 mill | Coverage NOK 2 mill | Coverage NOK 3 mill |
|---|---|---|---|---|
| Zone 1: Oslo | NOK 1 064 | NOK 1 842 | NOK 2 258 | NOK 2 737 |
| Zone 2: Bergen, Trondheim, Stavanger, Kristiansand, Tromsø, Drammen, Asker, Bærum, Nordre Follo, Nesodden | NOK 865 | NOK 1 226 | NOK 1 516 | NOK 1 835 |
| Zone 3: rest of the country | NOK 680 | NOK 1 041 | NOK 1 302 | NOK 1 571 |
A permanent address within the Nordic countries are prerequisites for this type of insurance.
Travel insurance
This policy covers all travel for pleasure (up to 90 days) and business travel (180 days). Our family policy also covers your spouse, and children until the age of 21 living at the same address registered in the Norwegian National Registry.
Membership in the Norwegian National Insurance Scheme and a permanent address within the Nordic countries are prerequisites for this type of insurance.
Annual premium:
Single person: NOK 1 149 / NOK 1 817 (senior)
Families: NOK 1 511 / NOK 2 290 (senior)
Health insurance for children
This is a comprehensive insurance that covers among others:
- permanent injury caused by an accident
- medical costs caused by an accident
- permanent disability
- critical illness
- financial support if your home requires special refurbishing due to any of the above causes - daily allowance in case of hospitalization
- expenses due to long-term nursing care at home
Annual premium: NOK 2 698
Homeowner’s insurance
Our homeowner’s insurance offers the most competitive rates available in Norway, with superior terms and conditions to what is standard in the marked.
Annual premium: Please call our office.
Liability insurance
Health personnel and veterinarians who are not yet covered through their employer will need this coverage in order to be permitted to work.
Annual premium: NOK 765
Other insurance policies
Please contact our insurance office if you have any questions regarding mentioned insurance products or if you have questions regarding other products.
Additional information for foreigners
Please visit the homepage of the Norwegian Labour Welfare Administration (NAV) at www.nav.no/english to find detailed information about how to become a member of the Norwegian National Insurance Scheme. For further questions, contact NAV directly
Disclaimer Notice
The insurance office of the Norwegian Association of Researchers (NAR) does not guarantee the information provided in this brochure to be accurate, up-to-date, complete or adequate, and expressly disclaims liability for any errors and omissions.
NAR Insurance Office,
Box 553
1327 LYSAKER
Phone: (+47) 23 11 35 78
E-mail: post@forskerforsikring.no