Heildarskoðun

Heildarskoðun is a form of health insurance in Iceland that provides comprehensive coverage to individuals and households for medical expenses. It is mandatory for all residents of the country who are not employed by the state or employer-provided health insurance. The scheme covers a wide range of medical services, including doctor appointments, hospital stays, and prescriptions, as well as dental care and vision care.

Heildarskoðun is administered by the Icelandic Social Security Institution and funded through mandatory contributions from individuals and employers. Those who are not covered by employer-provided health insurance must pay for Heildarskoðun, which currently amounts to around 5% of their income. Employers also contribute approximately 5% of their employees' salaries towards the scheme.

The primary goal of Heildarskoðun is to ensure that all residents have equal access to quality healthcare, regardless of their income or social status. It provides financial protection against unexpected medical expenses, helping individuals and households avoid debt and financial hardship. In addition to providing financial protection, Heildarskoðun also helps to promote public health by allowing individuals to access preventive care and treatment for chronic conditions.

Heildarskoðun has been in place in Iceland since the 1980s and has been widely credited with achieving a high standard of healthcare in the country. The scheme has also helped to reduce the financial burden of healthcare on individuals and households, promoting social stability and economic growth.