Extended accident insurance
NITO Extended Accident Insurance
An extended accident insurance provides extra financial security for both adults and children in the wake of an accident.
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To be able to buy this insurance, you must be a member.
NITO Extended Accident Insurance covers, among other things:
- Compensation in the event of permanent medical disability as a result of an accident – up to NOK 5.3 million for a member (see overview of insurance sums below).
- Treatment expenses after an accident injury – up to five per cent of the sum insured per person.
- Unique NITO benefit: Up to NOK 10,000 in compensation for fracture damage caused by an accident.
The insurance is valid around the clock, both during working hours, study time and in leisure time.
Your price
NITO Extended Accident Insurance can be purchased for members from 18–75 years, and for the member's spouse/partner and children (up to 21 years).
Price per month: NOK 207
If you do not have a family, or want a lower sum insured, you can buy NITO Accident Basic Insurance for NOK 50 per month.
Medical disability insurance sums
| Family composition | Member | Spouse | Child |
| Member | NOK 5,581,260 (45G) | ||
| Member with spouse/cohabitant | NOK 2,790,630 (22.5G) | NOK 2,790,630 (22.5G) | |
| Member with children* | Kr 3.840.840 (30G) | NOK 2,480,560 (20G) | |
| Member with spouse/cohabitant and children* | NOK 1,860,420 (15G) | NOK 1,860,420 (15G) | NOK 2,480,560 (20G) |
*The sum insured is per child.
G = National Insurance basic amount. G as of 1 May 2025 is NOK 130,160.
The compensation is calculated on the basis of the sum insured that follows from the composition of the family on the day of the accident and the degree of medical disability. The sum insured is increased each year in line with the National Insurance basic amount (G).
Are you properly insured? Talk to us
NITO's insurance centre can take a free review of your insurance policies and provide good advice to ensure that you are covered in the best possible way.
