Emergency Care

Source: Health Insurance Act (No. 112/2008)

Written in plain language for general understanding. This is educational content, not legal advice. Based on Icelandic Acts of the Althingi, statutory instruments, and official guidance.

Icelandic National Law

What is this right?

All persons are entitled to emergency medical treatment in Iceland, regardless of insurance status:

Copayment system (monthly maximums):

  • General population: Monthly maximum of ISK 37,794.
  • Elderly, disabled, rehabilitation pension recipients: Monthly maximum of ISK 25,198.
  • Children ages 2–18: Monthly maximum of ISK 25,198.
  • Children under 2: No fee.

After reaching the monthly maximum, a reduced flat fee applies:

  • General population: ISK 6,299/month.
  • Elderly/disabled/children under 18: ISK 4,331/month.

Inpatient care is generally free of charge for insured persons.

When does it apply?

  • You need emergency medical treatment in Iceland.
  • Non-residents must typically pay in full unless covered by EHIC (European Health Insurance Card) or bilateral treaties.

What should you do?

  • Call 112 for emergencies — ambulance, fire, and police.
  • Go to the nearest hospital emergency department.
  • Track your copayments — once you reach the monthly maximum, you are eligible for reduced fees.

What should you NOT do?

  • Don't avoid the ER because of cost — emergency care cannot be denied, and copayments are capped.
  • Don't assume care is free — copayments apply for most services (except inpatient care and children under 2).

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