About your insurance

With health insurance in If and Vertikal Helse, you are guaranteed a safe and quick treatment when you need it.

Policy nr. SP2013804

If you get sick or have an injury, your costs related to treatment and surgery are covered. You will also receive a personal medical advisor who will follow you both before, during and after your surgery or treatment.

What is covered by the health insurance

Specialist consultant within 7 working days
Operation / treatment within 10 business days
Psychological treatments, up to 10 treatments
Psychological first aid, up to 12 treatments
Unlimited physical treatments – When medically necessary to permanently improve functional capacity, illness or injury
All costs related to medical examination, treatment and operation
Travel and accommodation
Second opinion / new assessment of already diagnosed illness
A personal phone number you can call 5 days after surgery
Health phone (24/7) +47 21 49 24 01
Hjemmelegene - A digital medical service on your phone/PC/tablet (Opening hours 8 am – 10 pm every day throughout the year)

Physical treatment

If and Vertical Health wishes to ensure that our customers receive the best medical treatment at any time. We have learned that many acute musculoskeletal disorders can be treated with short-term physical treatment. In this agreement we cover unlimited consultations (NOK 250,- per hour) without referral.

The insurance covers physical treatment when it is medically necessary to permanently improve functional capacity, illness or injury. It is Vertikal Health together with the treatment provider that approves the type of treatment and the number of treatments to be covered. The treatment must take place within Vertikal Health's network of therapists. The agreed number of hours applies within a 9-month period from the first day of treatment. 3 months must pass from the last treatment covered by the insurance before new treatments for the same condition can be claimed to be covered.

Who is insured

All permanent employees and
Temporary employees with a contract duration of at least 3 months will automatically be enrolled
Early retirement pensioners with agreements established prior to 1 January 2019
Employees on sick leave and partly disabled are covered with the exception of treatment for the diagnosis that has caused the sick leave or disability

Contact information

Report claim

Postaddress: Postboks 240, 1326 Lysaker

Office: Drammensveien 264, 0283 Oslo

Org. nr. NO 979 429 096 MVA

Telephone switchboard (9-15): 23 01 48 00
Telephone medical (16-20): 815 22 999

Medical consultation: 21 49 24 01 (24 hrs)

Do you have questions related to a treatment need or an ongoing case?

You can reach our medical department via email at dinhelse@vertikalhelse.no or by phone at 23 01 48 00