Member benefits
As a member of NITO, you get access to a number of benefits.
Did you know that you have free disability insurance?
It is an insurance that you should really make sure to continue when the year is over. Becoming disabled as a young person and never getting a job is not a tempting option, especially not without disability insurance.
If you have had the student insurance +MEG, you have NITO Disability Insurance free of charge for the entire first year as a working member.
What do you do when disability insurance is no longer free?
After one year of work, the free period ends on your disability insurance. You must then make sure to continue the disability insurance that you have today, or upgrade the insurance yourself.
If you upgrade to NITO Disability Insurance Extra, you can extend the sum insured from 5 G to 10 G, 20 G or 30 G. What makes the insurance better is that it provides a one-time payment in addition to monthly payments if you are on sick leave for more than one year.
An advantage of continuing or upgrading the insurance is that the self-declaration that you must submit about health only applies to the sum insured over 5 G. The first 5 G's are continued from your current disability insurance, even if your health has deteriorated.
What is the National Insurance basic amount (G)?
As of 1 May 2025, 1 G amounts to NOK 130,160.
- Most benefits in the National Insurance Scheme are stated in the number of G.
- The basic amount is adjusted on 1 May each year.
Why you should have disability insurance as a young person
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Sikre fremtidig inntekt
Få månedlig utbetaling etter 12 måneders sykemelding/arbeidsuførhet og engangsutbetaling fra 50 % varig arbeidsuførhet
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Ta grep mens du er ung og frisk
Du vet aldri når helsa plutselig forverres
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Få trygghet
Med forsikring har du bedre økonomiske forutsetninger til å leve tilnærmet det livet du hadde tenkt, dersom det minst tenkelige skulle inntreffe
What is the difference between disability insurance and accident insurance?
- Disability insurance applies to your ability to work. It provides financial support if you become completely or partially incapacitated, regardless of whether the cause is illness or accident.
- Accident insurance only provides protection if you are the victim of an accident that results in permanent medical disability. The degree of medical disability is determined by the public disability table.
