The medical treatment insurance gives you access to quick assistance in the private health care system in the event of illness or injury. The insurance begins to work after you have been to your GP (Norwegian: fastlege) and received a referral to a medical specialist (i.e. a need for assessment or treatment was found), and report this to the insurance company.

If you need physical treatment (chiropractor, manual therapist etc), you do not need a referral first, however, you still need to report to the insurance company in the same way.