Norwegian Nurses Organisation (NSF)

Home contents insurance covers the belongings you have in your home – and a little bit more. The vast majority of people should have home contents insurance.

• You get our best terms and conditions with our tophome contents insurance. Among other things, this means

  • unlimited sum insured on home contents.
  • bad luck insurance.
  • liability insurance and legal assistance.

  Covered sum stated in the terms and conditions for

  • theft of bicycles, electric bikes and children’s buggies.
  • theft from your shed, garage or basement.
  • theft from your vehicle and boat.
  • combating long-tailed silverfish, bed bugs and cockroaches.

  As a member of NSF, you also get

  • no deductible, except for certain specific damages (see terms).
  • insurance that applies to your permanent residence in the Nordic region, as well as to housing used in connection with work and education.
  • coverage for a new and old residence during your moving period.
  • favourable price for insurance.

  NSF home contents insurance terms and conditions (PDF)

  NSF home contents insurance IPID (PDF)

Get insurance for yourself and your belongings, for travel and everyday life. Everyone should have good travel insurance.

• You get one of the market’s best terms and conditions with our top travel insurance. Among other things, this means

  • access to a 24-hour assistance centre from SOS International in the event of illness during travel.
  • applies to all types of travel, and to everyday life.
  • unlimited coverage in the event of cancellation and illness.
  • accident insurance included 24 hours a day, also when you’re not travelling.
  • applies worldwide, without accommodation requirement.
  • covered for illness during travel.
  • covered cancellation in case of illness.
  • no deductible.
  • lounge access if the flight is delayed

  As a member of NSF, you also get

  • possibility to insure the whole family, or just you as a member.
  • up to 90 days’ travel duration per trip. For student members and nurses in further education, the insurance applies for up to 100 days’ duration per trip.
  • coverage for children until the calendar year in which the child turns 21 years old.
  • favourable price for insurance.
  • extended liability coverage when practising nursing for nurses and students abroad, and during continuing education

  NSF travel insurance family terms and conditions (PDF)

  NSF travel insurance for one person terms and conditions (PDF)

  NSF travel insurance IPID (PDF)

The insurance policy makes it financially easier for the child and family in case of illness or accident involving the child. You can also choose disability insurance as an add-on.

• The children’s insurance has two purposes: To help the family in the short term when a child becomes seriously ill or has an accident, and secure the child financially in the long term in the event of becoming incapacitated for work or disabled after an illness or accident.

  Among other things, children's insurance gives you access to

  • disbursements for medical disability due to illness, in addition to accidents.
  • 24-hour medical helpline
  • AV1 robot at school and in social situations.
  • discussion with a psychologist for those over the age of 16.
  • coverage for selected diseases.
  • adaptation of home and technical aids.
  • daily allowance for hospital stays and long-term illnesses.
  • treatment costs in the event of an accident
  • additional assistance allowance
  • disability lump sum and disability pension as an optional supplement

  As an NSF member, you can buy children's insurance for your own children, grandchildren and great-grandchildren from the date they turn two months until they turn 18 years old. The insurance is valid until the insured individual reaches 26 years of age..

  NSF Children's insurance terms and conditions (PDF)

  NSF Children's insurance IPID (PDF)

• All student members at NSF get NSF’s home contents insurance and NSF’s life insurance package included in the student membership.

  The student insurance is linked to your NSF membership and cannot be purchased through DNB. You can find details of the insurance policies you have through NSF by logging on to their website.

• All members of NSF automatically receive the life insurance package, without needing to submit a health certificate when joining NSF.

  The life insurance package contains three different insurance policies put together in one package: Death and disability insurance for the member, and family accident insurance that covers the member and family.

  The life insurance package is linked to your NSF membership and cannot be purchased through DNB. You can find details of the insurance policies you have through NSF by logging on to their website.

• Select coverages for extended life insurance

  If you have NSF's life insurance package, you can choose whether you also want extra peace of mind with NSF extended life insurance. Extended life insurance contains different insurance policies you can choose from or combine, including insurance for death, disability lump sum and disability pension. An adviser will help you find the combination that suits you and your life situation.

  Extended life insurance is an affordable policy, and can be bought both for yourself and for a spouse, cohabitant or partner.

• Death

  With life insurance, you ensure your dependents financially with a lump sum payment in the event of your death. It provides financial security for your dependents and the opportunity to maintain their current standard of living and housing situation when two incomes are reduced to one.

  You can choose between three sums insured for disbursements:

  • NOK 1 304 820 (11 G)
  • NOK 2 609 640 (22 G)
  • NOK 4 744 800 (40 G)

• Single payment permanent disability benefit

  Disability lump sum is an insurance policy that secures your finances with a lump sum payment should you become permanently incapacitated for work.

  When an illness or accident occurs, you may become fully or partly incapacitated for work. This involves major changes in life, including a reduction in your earned income. With a disability lump sum, you get a lump-sum payment as compensation for reduced income due to being incapacitated for work, in addition to what you get from the government.

  You can choose between three sums insured for disbursements:

  • NOK 1 304 820 (11G)
  • NOK 2 609 640 (22G)
  • NOK 3 558 600 (30G)

  Disability lump sum is paid out should you become at least 50% incapacitated for work for a continuous period of at least 2 years as a result of illness or accident.

• Disability pension

  Disability pension is insurance that safeguards your finances with fixed monthly amounts should you need to take long-term sick leave. The monthly disbursements last for up to four years and help to reduce the gap from lost income.

  The policy acts as an add-on to the disability lump sum. Together, these insurances provide you with financial assistance as soon as your income decreases after one year of sick leave. You will then have four years to either get back to work or become permanently incapacitated for work. If you become permanently incapacitated for work, you will receive financial assistance with a one-off payment from your disability lump sum.

  A disability pension is paid out if you become at least 50% incapacitated for work for a continuous period of one year and is graded based on your degree of disability, between 50-100%.

  You can choose between two sums insured for disbursements:

  • NOK 118 620 (1G)
  • NOK 237 240 (2G)
• See terms and conditions for supplementary coverage overview

  Extended life insurance IPID (PDF)

  Extended life insurance terms and conditions (PDF)

  General Terms and Conditions Personal Insurance (PDF)

• NSF’s liability insurance is for authorised nurses who practice nursing and seek liability coverage beyond what the Norwegian System of Patient Injury Compensation (NPE) provides.

  Liability insurance cannot be purchased through DNB. You must therefore contact the insurance advisers at NSF for purchases and questions.

  You can find details of the insurance policies you have through NSF by logging on to their website.