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Medical Cost Insurance, Domestic

Are you moving to Iceland?underline Whether you are moving to Iceland permanently or temporarily for work, our Domestic Medical Expenses Policy (Sjúkrakostnaðartrygging innanlands) will cover you during your first six months in Iceland, while you are not covered by the Icelandic Health Insurance scheme.

Further Information about Domestic Medical Cost Insurance

The Domestic Medical Expenses Policy is a short-term policy which is mainly suited for the following two groups.

  • Those who are moving permanently to Iceland and are in need of coverage until they are entitled to coverage under the Icelandic Health Insurance scheme. Individuals do not qualify for such public health insurance until they have been legally resident in Iceland for a period of six months.
  • Foreigners who are moving to Iceland on a temporary basis for work or study and have applied for a residence permit or a work visa from the Directorate of Immigration. The policy is compulsory insurance in these cases which is valid for up to 12 months.

This is a short-term policy and the premium is due on inception. The base premium for the policy, ISK 5,500, will not be refunded even if the policy is cancelled, e.g. if the insured never arrives in Iceland.

You have to fill out this application form when you apply for this insurance.

Further Information about Domestic Medical Cost Insurance

The Policy Covers

  • The cost of hospitalisation on the advice of a medical practitioner and the cost of general and specialised services provided in hospitals, even in the absence of need for hospitalisation.
  • The cost of general medical attention provided outside hospitals.
  • The cost of necessary tests and treatment carried out by experts or in institutions.
  • The cost of vital medicines that the insured is required to take on a continuous basis as well as other necessary medicine costs.
  • Unavoidable travel costs so that a medical practitioner can reach the insured and the cost of transporting the insured to a hospital.
  • The cost of caring for the insured in a home setting due to a serious and chronic illness or accident which is covered under the policy, provided that such home care is provided in place of hospitalisation.

The Policy does Not Cover

  • Costs in respect of vaccination.
  • The cost of staying in a maternity hospital.
  • Costs that are paid under the Icelandic Health Insurance Act or regulations established on its basis.
  • Costs in respect of an accident that occurred prior to the policy taking effect, unless the Company was aware of it.
  • Costs in respect of an illness that first showed clinical signs prior to the policy taking effect, unless the Company was aware of it.
  • Costs in respect of dental or cosmetic procedures, except in the case of necessary urgent procedures required due to a covered accident or illness.
  • Costs in respect of pregnancy, birth care or illnesses resulting from pregnancy or miscarriage.
  • Costs in respect of an illness attributable to the consumption of alcohol, narcotics or other recreational substances.
  • Costs in respect of an accident caused by acts of terrorism, costs in respect of any kind of biological or chemical effects and/or poisoning, including pathogens and viruses, or costs resulting from the consequences of an accident being exacerbated by any of the aforementioned.
  • Costs in respect of accidents in high-risk sports.

Please note that the above list is not exhaustive. Further information may be found in the policy wording. In the event of any inconsistency between the above list and the policy wording, the policy wording shall prevail.

Do You Need More Coverage?

Life Insurance

Life Insurance ensures that those who rely on you will be taken care of. The insurance amount is paid out if you die during the insurance period. It does not matter if the cause is an accident or an illness.

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Child Insurance

Child Insurance protects parents or guardians against loss of income and unforeseen costs due to a serious accident or serious illness of a child.

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Special Offers for VIS Customers

Barnabílstólar

VIS customers get 10% off car seats and 15% off rental price. You need to sign in to get the discount code.

Betra Grip

VIS customers get 20% off Bridgestone tires and 12% off work cost. You need to sign in to get the discount code.

Bilstolaleiga.is

VIS customers get 20% off the register fee and 20% of monthly rent if the rent is long-term. You need to sign in to get the discount code.

BYKO

VIS customers get 25% off car seats. The discount does not apply on special offers. You need to sign in to get the discount code.

Chicco.is

VIS customers get 20% off car seats. The discount does not apply on special offers. You need to sign in to get the discount code.

FAKÓ

VIS customers get 15% discount on fire extinguishers and fire blankets. You need to sign in to get the discount code.

Græni unginn

VIS customers get 10% off all car seats. You need to sign in to get the discount code.

Harðkornadekk

VIS customers get 25% off tires. You need to sign in to get the discount code.

Heimkaup

VIS customers get 20% off safety products. You need to sign in to get the discount code.

Hreidur

VIS customers get 20% off car seats purchased in store. The discount does not apply on special offers. You need to sign in to get the discount code.

Húsasmiðjan

VIS customers get 20% off car seats and safety products for children. The discount does not apply on special offers. You need to sign in to get the discount code.

Klettur

VIS customes who have F Plus family insurance get 15% off tires and 10% off work cost. You need to sign in to get the discount code.

Nine Kids

VIS customers get 20% off Cybex and GB car seats and base. You need to sign in to get the discount code.

Fjallakofinn

VIS customers get 10% off all items. The discount does not apply on special offers. You need to sign in to get the discount code.

FlyOver Iceland

VIS customers get 15% off online bookings. You need to sign in to get the discount code.

Voruhus

VIS customers get 10% off safety equipment. You need to sign in to get the discount code.

Policy Document and Other Information

The policy document is your contract with VIS. It is important to thoroughly read the policy document and understand what is covered and what is not, before purchasing the insurance.

Other Information

If you have Life and Health Insurance

you may also be interested in the following insurances.

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