The Reiseforsikring Pluss from Gjensidige Forsikring ASA - annual cover with medical focus

Reviewed: ad hoc news B2B & Pro desk. Edited and checked on 2026-06-28, 09:30. Details in the imprint.

The Reiseforsikring Pluss from Gjensidige Forsikring ASA is the kind of product you notice the moment your flight board lights up red and the cabin door never opens. You feel the cold plastic of the airport chair under your palm, hear the muffled announcements, and remember that your insurance card sits quietly in your wallet.

What the travel cover does

Reiseforsikring Pluss is Gjensidige's extended travel insurance for Norwegian residents who spend many days a year abroad. It typically works as an annual policy, covering all trips within a defined time frame rather than single journeys.

Core benefits include emergency medical expenses, repatriation, trip cancellation and interruption, as well as cover for lost luggage and personal belongings. Some variants also extend to liability cover and legal assistance when trouble follows you beyond Norway's borders.

How it feels in use

The idea is simple: you buy once, then travel with a consistent level of protection for the whole year. Frequent flyers avoid the friction of booking ad-hoc cover for each weekend city hop or long-haul adventure, which makes the product feel tidy and predictable in everyday planning.

Customers typically interact with the policy through Gjensidige's web portal or mobile app, filing claims after delays, hospital visits or thefts. When a family trip goes wrong, a digital claim form at the hotel desk can feel more practical than hunting down paper documents in an unfamiliar clinic.

Who Gjensidige targets

Gjensidige positions Reiseforsikring Pluss for households and individuals who travel regularly and want higher limits and broader cover than basic policies typically offer. Families with children, business travellers and students on exchange programmes are common target groups.

When CEO Helge Leiro Baastad talks about Gjensidige's focus on customer-friendly digital services, travel insurance is often part of that picture, because many claims are filed from smartphones during stressful moments far from home.

Strengths and limits

One consistent strength is the bundling of several risk types in a single contract: health, baggage, cancellation and liability. For users, this avoids the confusion of patchwork cover and makes it easier to know roughly what is and is not protected on a trip.

Limits still apply. High-value electronics, jewellery or sports equipment may require separate listing or additional cover, and some adventure activities can be excluded or restricted. Travellers who primarily chase extreme sports often need remarkably detailed reading of the policy wording.

Pricing and availability

Reiseforsikring Pluss is sold primarily in Norway through Gjensidige's own channels and intermediaries, with premiums calculated from factors such as age, family composition and chosen cover scope. The product is typically not marketed for German consumers directly.

Because pricing is risk-based and updated regularly, investors and customers should treat any example premium as indicative only and check Gjensidige's current tables before drawing conclusions about cost competitiveness.

How it fits Gjensidige's strategy

Gjensidige has long positioned itself as a leading Norwegian non-life insurer with strong presence in personal lines. Travel insurance products like Reiseforsikring Pluss deepen customer relationships by adding another recurring policy to the household's bundle.

Over time, cross-selling between home, motor and travel insurance builds stickiness. For retail investors, these stable multi-policy relationships can matter as much as any single underwriting result from one product line.

Stock and market context

All told, Reiseforsikring Pluss is a quiet but important part of Gjensidige's consumer portfolio, sitting alongside home and car insurance in driving premium income. Gjensidige Forsikring ASA shares (ISIN NO0010582521) are listed on Oslo Børs in Norwegian kroner, giving investors direct exposure to these recurring insurance revenues.

This article was AI-assisted and editorially reviewed. Product information without guarantee; prices and availability may change at short notice. No investment advice, no buy or sell recommendation. Stock-market transactions involve risks up to total loss.