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Doctors on demand: why digital healthcare is great news for expats

When you live abroad, one of the biggest challenges is working out the local healthcare system. You may be unsure how to arrange to see a doctor – or short of time to squeeze in an appointment once you’ve found out.

Doctors on demand: why digital healthcare is great news for expats
Photo: Getty Images

Even once you’re face-to-face with a doctor, you may still be worried about a potential language barrier or your lack of local knowledge. It’s hardly what you want when making a medical appointment becomes one more source of stress.

Now, however, digitalisation is rapidly changing healthcare – and offering international residents the chance to speak to a doctor without leaving home. In partnership with AXA – Global Healthcare, The Local looks into this and some of the other ways in which digitalisation is reshaping healthcare. 

Five levels of cover to suit your needs – find out about AXA – Global Healthcare

How digital tech promotes healthcare at home

Many of us have already embraced technology when it comes to looking after our health and fitness. Wearable devices that track your steps, heart rate or sleep are no longer an oddity – you may check one before going to bed or as soon as you wake up.

The number of health apps you can choose to put on your smartphone is mind-boggling – at least 318,000 as of 2019. The rise of digital consultations with doctors and other health professionals is the latest example of technology bringing healthcare into the home.

According to a report by Deloitte, most healthcare will be delivered to patients at home or through “virtual, outpatient, and other settings” in 20 years from now.

It suggests this will come as healthcare focuses increasingly on helping individuals to stay healthy through tips on wellness and preventing illness. The long-term hope is that technological innovation will help make healthcare more efficient for everyone – patients, doctors, nurses and taxpayers.

Just what the virtual doctor ordered … 

In the digital era, life seems busier than ever for many of us. Luckily, a growing number of digital solutions also enable us to take care of crucial things remotely – and nothing is more crucial than healthcare.

It’s not surprising that people are attracted to the idea of on-demand access to highly qualified doctors – all without having to travel to a clinic or health centre and sit in a waiting room. 

Add in the option of speaking to a doctor in English (or perhaps even another preferred language) and availability around-the-clock, and it’s easy to see why apps and services offering doctor’s appointments are growing fast.

Speak to a doctor in a language of your choice 24/7 with the Virtual Doctor service from AXA 

You can get a diagnosis for you or your family member, advice on the next steps or even have a referral to a specialist arranged.

Photo: Getty Images

The global market for online doctor consultations is worth $3.9 billion in 2020 – but will quadruple to $16 billion in just six years, according to Global Market Estimates. 

These services include the Virtual Doctor service from AXA, which saw up to a 264 percent rise in registrations in a recent eight-month period*.

The app offers access to internationally qualified doctors over the phone 24/7 or via video consultation (between 8am and midnight UK time) for all individual and SME customers.

As well as offering diagnosis and referrals, doctors on the Virtual Doctor service can also provide e-prescriptions in many locations, when medically necessary and where regulations allow.

Moving faster into the future

While coronavirus has played a part in driving demand for online appointments this year, it’s clear that the change has longer term implications. The challenges of the pandemic may simply move us even faster towards more digital consultations in a way that was destined to happen before long anyway.

Digital technology is also changing medical treatment in a variety of other ways that could have significant benefits for patients. For instance, big data has the potential to alert health professionals to potential medication errors through software that can analyse a patient’s history. Another possible usage is in predicting hospital admission rates to help managers anticipate their required staffing levels.

What about virtual reality (VR)? This technology is already offering much more than just a video gamer’s idea of paradise. In healthcare, VR is already being used in innovative approaches to treating everything from pain to post-traumatic stress disorder.

* According to Advance Medial, the virtual doctor service provider, based on registrations from AXA – Global Healthcare members, with policies administered by AXA Global Healthcare (UK) Ltd between Dec 2019 and July 2020. 

Moving abroad or looking to boost your local healthcare coverage? Find out more about AXA – Global Healthcare’s international health insurance options

This article was produced by The Local Creative Studio and presented by AXA.

AXA Global Healthcare (EU) Limited. Registered in Ireland number 630468. Registered Office: Wolfe Tone House, Wolfe Tone Street, Dublin 1. AXA Global Healthcare (EU) Limited is regulated by the Central Bank of Ireland.

AXA Global Healthcare (UK) Limited. Registered in England (No. 03039521). Registered Office: 20 Gracechurch Street, London, EC3V 0BG, United Kingdom. AXA Global Healthcare (UK) Limited is authorised and regulated in the UK by the Financial Conduct Authority.

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HEALTH

How Norway’s health insurance scheme works and the common problems foreigners face

Learning about Norway's National Health Insurance Scheme is essential. So here's a look at some common problems foreigners in Norway come up against and how to avoid them.

How Norway's health insurance scheme works and the common problems foreigners face
Here's how to avoid common problems with the National Health Insurance Scheme. Photo by National Cancer Institute on Unsplash

Norway’s National Health Insurance Scheme

The word ‘free’ is used loosely when it comes to describing healthcare in the Scandinavian country. Norway’s healthcare system is financed through national and municipal taxes. So residents are supporting their ‘free’ services through tax. Truly free health insurance is only offered to those under 16 years of age who do not pay taxes to Norway. 

Access to Norway’s healthcare and social services is not determined by whether you are a Norwegian citizen, nor whether you are registered in the National Population Register or pay taxes in Norway. It is based on residence or employment. But before you settle in and assume you’re covered from day one, there are some provisions.

  • To be considered a resident of Norway, you must have plans to live in the country for at least twelve months.
  • Membership with Norway’s National Health Insurance Scheme is only available for those who are in the country legally.
  • If you are planning on staying in Norway for less than twelve months, are not working, but have strong ties to the country, then you may be entitled to voluntary membership of Norway’s National Health Insurance Scheme.

If you are legally living in Norway but plan on studying or working abroad for a period of time, look here to see your healthcare membership eligibility while outside the country. 

And the common problems foreigners need to overcome?

  • Signing up 

According to the Norwegian Labour and Welfare Administration (NAV), you will be automatically enrolled in the Norwegian National Health Insurance Scheme if you are legally working or living in Norway.

Processing times can range from a few days to a month, and you will usually receive confirmation through the post when you have been added to the system.

Healthcare is a large part of the Norwegian National Health Insurance Scheme, as are social services such as welfare. If you need economic support, you can apply for assistance if you are legally living in the country. How much you will receive depends on your situation and application processing times vary between each individual evaluation and municipality. 

READ MORE: Seven things foreigners in Norway should know about the healthcare system 

There are many rules and guidelines if you decide to apply for economic assistance. To see what procedures, information, and advice you are entitled to, look here.

Self-employed workers are also entitled to the same benefits as traditional employees in Norway. Though it is up to them to register events like sick leave on their own. 

  • Somethings are not free

The healthcare system in Norway is of a high standard and covers most expenses. Because it is so comprehensive, many new to the country assume that all health matters are covered by national health insurance. It is important to remember that vision and dental insurance are not a part of the public health care plan. 

Dental treatment is free for those between one and 18 years of age. If you are 19 or 20 years old, you must pay 25 percent of the total bill. If you are 21 or older, then you are required to foot the bill. 

However, there are exemptions for special cases. You can find out more about the payment exceptions here.

Eye exams, contact lenses, and glasses are not covered by public health insurance. These are normally services offered by private companies such as Spec Savers and Brilleland.

In addition to vision and dental, cosmetic surgeries are also not covered by public health insurance. 

Here is a price list for common services in Norway.

What is a frikort?

frikort or an “exemption card” is a card given out once you have reached the maximum limit of fees the public is required to pay per calendar year. In 2021, the maximum amount in fees you are expected to pay is 2,460 kroner before being eligible for a frikort

  • Many things have gone digital 

Many newcomers to Norway are surprised to find how digitalised health services in the country are. After you have become a member of the national insurance scheme, you can go online to order prescriptions, find available appointments with your GP, have digital communication with their doctor, and look at summaries of past medical appointments. 

For an overview of all the services and information, you can use online, look here.

  • Finding your GP

While your acceptance into the National Health Insurance Scheme may be automatic, it is up to you to choose your GP. 

There are a few guidelines to be aware of if you, for some reason, want to change from your original choice. You are allowed to change your GP up to two times in one year. You can also choose to switch if you officially change your address or if your GP cuts their patient list. You can find a list of general practitioners at legelisten.no.

  • The waiting times

As previously stated, the standard of health care in Norway is high, and you can visit your GP or a specialist as often as you need them. But it is not uncommon to have to wait a few weeks before you find an available appointment. The same goes for non-critical surgeries. It is not unusual to wait up to six months for a non-life-threatening yet necessary surgery.

Useful Vocabulary

egenandel – deductible

fastlege – general practitioner 

optiker – optometrist 

tannlege – dentist 

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