Dla Pacjenta

IMPORTANT! The following reimbursement rules apply to proceedings initiated as of 1 September 2020. Proceedings initiated and not concluded before the above-mentioned date are governed by the provisions of the Act of 27 August 2004 on publicly funded healthcare benefits in its wording in force as of 31 August 2020.

I. Basic information on the rules and conditions to be met in order to apply for reimbursement of medical costs incurred in other EU or EEA Member States on the basis of the Act implementing the Cross-Border Directive

The costs of cross-border healthcare are reimbursed under the rules and conditions specified in the provisions of the Act of 27 August 2004 on publicly funded healthcare benefits (Journal of Laws of 2021, item 1285, as amended), hereinafter referred to as the Act on healthcare benefits. The healthcare beneficiary is entitled to reimbursement of costs incurred for healthcare benefits provided on the territory of a Member State of the European Union or the European Economic Area other than Poland, which are guaranteed benefits.

EXEMPTIONS

Pursuant to Article 42b(2) of the Act on healthcare benefits, healthcare benefits, such as:
1) mandatory preventive vaccinations;
2) long-term care, if its purpose is to support persons in need of assistance in performing routine activities of daily life;
3) allocation and access to organs intended for transplantation, covering the activities referred to in Article 3(3) of the Act of 1 July 2005 on the cell, tissue and organ recover, storage and transplantation (Journal of Laws of 2019, item 1405 and of 2020, item 567) are not reimbursable.
 

It should be remembered that in the case of certain healthcare benefits, the possibility to obtain reimbursement is also conditioned by the need to obtain prior authorisation from the President of the National Health Fund before obtaining such benefits. The list of healthcare benefits that require prior authorisation has been defined in the Regulation of the Minister of Health of 3 September 2020 on the list of healthcare benefits requiring prior authorisation by the President of the National Health Fund (Journal of Laws 2020, item 1556).

Conditions to be met before obtaining cross-border healthcare

The condition for the reimbursement is that the healthcare recipient, prior to obtaining the reimbursable healthcare benefit, obtains:

· an appropriate referral for diagnostic tests (Article 32 of the Act on healthcare benefits), spa rehabilitation (Article 33(1) of the Act on healthcare benefits), nursing or care services within the framework of long-term care (Article 33a(1) of the Act on healthcare benefits), outpatient specialist care (except for medical specialisations and groups of entitlements defined in Article 57(2) of the Act on healthcare benefits), hospital treatment (Article 58 of the Act on healthcare benefits), medical rehabilitation (Article 59 of the Act on healthcare benefits).

· an appropriate referral and its confirmation in accordance with Article 33(2) of the Act on healthcare benefits regarding the advisability of spa treatment.

· an appropriate order for travel by means of sanitary transport, including air transport (Article 41 of the Act on healthcare benefits),

· prior authorisation issued by the President of the National Health Fund to obtain a given healthcare benefit in a European Union Member State other than Poland in the case of benefits included in the list referred to in Article 42e(1) of the Act on healthcare benefits.

A referral or an order for travel by means of sanitary transport may also be issued by a doctor practising in a Member State of the European Union or the European Economic Area other than Poland.

For medicines, foodstuffs for particular nutritional uses or medical devices (included in a given indication in the list referred to in Article 37 of the Act of 12 May 2011 on reimbursement of medicines, foodstuffs for particular nutritional uses and medical devices (Journal of Laws of 2020, item 357), hereinafter referred to as the Act on reimbursement, with regard to medicines, foodstuffs for particular nutritional uses or medical devices referred to in Article 6(1)(1) of that Act or having their equivalent reimbursed in a given indication in that list, within the meaning of Article 2(13) of the Act on reimbursement),

• a prescription or order issued in a Member State of the European Union or the European Economic Area other than Poland is required. The following applies only to medicines, foodstuffs for particular nutritional uses or medical devices prescribed in accordance with indications confirmed in the medical documentation corresponding to the scope of indications covered by reimbursement for a given medicine, foodstuff for particular nutritional uses or medical device, specified in the list referred to in Article 37 of the Act on reimbursement:
• a cross-border prescription issued by a doctor in Poland who is authorised to issue refundable prescriptions within the meaning of the Act on reimbursement, at the request of a patient who intends to use it in a European Union Member State or European Economic Area country other than Poland, or an order issued by an authorised person within the meaning of the Act on reimbursement.

The costs of medicines, medical devices and foodstuffs for particular nutritional uses in the case of prescriptions or orders issued in another EU or EEA Member State and filled with full payment in Poland are also subject to reimbursement, provided that they are funded in Poland by the National Health Fund.

For medication access and health schemes, the condition for reimbursement is, respectively:

• qualification, prior to the use of healthcare benefits, for the relevant medication access scheme, in accordance with the description of the medication access scheme referred to in the Act on reimbursement,
• fulfilment of the requirements for patient participation in the scheme concerned.

II. Information on the approximate amount of the reimbursement before obtaining benefits

The healthcare recipient is entitled to be informed of the approximate amount of reimbursement before the use of a particular healthcare benefit in a medical facility established in another Member State of the European Union or the European Economic Area. Information in this respect is provided by the competent provincial branch of the National Health Fund for the healthcare recipient directly or by available means of communication, in particular by telephone, in writing and by e-mail.

Since the healthcare recipient has to provide detailed information on the planned treatment in order for the provincial branch of the National Health Fund to determine the approximate amount of the reimbursement, the following form can be downloaded and completed by the healthcare recipient, which will be very helpful for the branch in answering questions in writing or by e-mail.

Request form for approximate amount of reimbursement

Please note that the information provided prior to obtaining the benefit is for guidance only. The actual amount of reimbursement due can only be determined unequivocally after the benefit has been provided, based on the documentation submitted by the healthcare recipient when requesting reimbursement.

Information on sample rates used for reimbursement of selected guaranteed benefits can be found in the sample rates used for reimbursement of benefits provided as part of cross-border healthcare (opens in new tab) tab

 

Please send enquiries to the following e-mail addresses:

DOLNOŚLĄSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

KUJAWSKO-POMORSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

LUBELSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

LUBUSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

ŁÓDZKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

MAŁOPOLSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

MAZOWIECKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

OPOLSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

PODKARPACKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

PODLASKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

POMORSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

ŚLĄSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

ŚWIĘTOKRZYSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

WARMIŃSKO-MAZURSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

WIELKOPOLSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

ZACHODNIOPOMORSKIE PROVINCE BRANCH OF THE NATIONAL HEALTH FUND
e-mail: 

III. Details of the reimbursement procedure carried out in accordance with the provisions of the Act implementing the Cross-Border Directive

The reimbursement procedure based on the provisions implementing the Cross-Border Directive is carried out administratively, subject to specific provisions, by means of a decision of the President of the National Health Fund* (Article 42d of the Act on healthcare benefits). The procedure is initiated at the application of the healthcare recipient or their legal representative, the model of which is set out in the appendix to the National Contact Point – Reimbursement of the costs of benefits of the Regulation of the Minister of Health of 3 September 2020 on the model of the application for reimbursement of costs of healthcare benefits provided abroad (Journal of Laws of 2020, item 1557) (opens in a new tab)

The application for reimbursement may be submitted by the healthcare recipient or their legal representative.

*The application for reimbursement must be submitted to the National Health Fund. You can also submit your application for reimbursement as an electronic document, signed either with a qualified electronic signature, a personal signature or a trusted profile. The required attachments may be represented in digital form.

PLEASE NOTE! Before submitting the application, it is necessary to pay the entire cost of the benefits for which reimbursement is applied for.

 

III.1. Application for reimbursement and documents required to be submitted with the application

1. Application for reimbursement – printable application form to download and print (PDF format) (opens in new tab)

2. Explanatory notes for the application for reimbursement – to download (PDF format) – do not attach it to the application for reimbursement

3. Attachments to the application

All documents written in a foreign language should be accompanied by a translation into Polish. The translation does not have to be done by a sworn translator.

The application for reimbursement shall be accompanied by:

 1) the original of the bill containing in particular:

• the name of the issuer of the bill and the date of issue,
• details of the healthcare recipient for whom the reimbursement is applied,
• data necessary to identify the benefit for which reimbursement is applied, in particular information making it possible to determine the codes of the International Classification of Medical Procedures ICD-9 and the International Statistical Classification of Diseases and Related Health Problems ICD-10 or data concerning medicines, foodstuffs for particular nutritional uses or medical devices dispensed – if such data are not available on the bill, they should be included in the documentation accompanying the application for reimbursement,

PLEASE NOTE: A healthcare recipient who obtains healthcare benefits on the territory of another EU or EEA Member State should ensure that the documents (invoices, bills, hospital discharge summary reports or other documents confirming the provision of benefits) received from a foreign healthcare provider include the data necessary to identify the benefit, in particular information enabling the identification of procedure codes according to ICD-9 and diagnoses according to ICD-10 or data on dispensed medicines, foodstuffs for particular uses or medical devices.

It should be noted that, upon an explicit request of the patient, the healthcare provider in the country of treatment is obliged to include all the necessary information that will make it possible to unambiguously determine the benefits provided, the medicines, foodstuffs for particular uses or medical devices dispensed, as well as the appropriate valuation of individual benefits according to the rates applicable in Poland as the country of insurance, and to determine the amount of reimbursement to which the patient is entitled.

2) confirmation of payment of the total costs of the benefit, if this is not apparent from the attached bill,

3) original or a copy of:

1. the referral, and in case of a referral referred to in the regulations issued pursuant to Article 59aa(2) of the Act on healthcare benefits, a printout referred to in Article 59b(2)(3) of the aforementioned Act, or an order referred to in Article 42b(3)–(5) of the Act on healthcare benefits (it does not refer to benefits for which the beneficiary has obtained a prior authorisation),
2. the prescription referred to in Article 42b(10) of the Act on healthcare benefits,
3. the order referred to in Article 42b(11) of the Act on healthcare benefits,

4)  for benefits under medication access schemes (referred to in Article 15(2)(15) of the Act on healthcare benefits), an application for reimbursement should be accompanied by a certificate from the healthcare provider confirming qualification for the relevant medication access scheme (this does not apply to benefits for which the recipient has obtained a prior authorisation),

5) if the application for reimbursement concerns a medicine, foodstuff for a particular use or medical device, purchased on the basis of a prescription issued in another EU or EEA Member State (referred to in Article 42b(10)(1) of the Act on healthcare benefits), the application shall also be accompanied by a copy of medical documentation, from which the medical substantiation of the prescription for the medicine, foodstuff for a particular use or medical device to which the application refers arises,

6) if the documents attached to the application (including the bill) are prepared in a foreign language, a translation of these documents into Polish must be attached. The translation does not have to be done by a sworn translator.

The application for reimbursement must be submitted within 6 months of the date of the bill for the benefits covered by the application.

Pursuant to Article 42d(16) of the Act on healthcare benefits, the commencement of processing of applications for reimbursement of costs follows the order of their receipt at the relevant provincial branch of the National Health Fund.

 

II.2. Time limits for processing the application for reimbursement

The time limit for processing the application depends on the possible need to carry out an investigation while the application for reimbursement is being processed. As a general rule, the time limit for processing the application without an investigation is 30 days from the date of the commencement of the procedure.

Where the processing of the application for reimbursement requires an investigation, the time limit for the processing of the application is 60 days from the date on which the investigation was initiated. However, the following periods are not included in the time limit:

• the period from the day when the healthcare recipient was requested to complete the application to the day when the application was received by the provincial branch of the National Health Fund or to the day when the time limit set for the completion of the application expired without effect,
• the period from the date of sending the request to the national institution to the date of receiving by the provincial branch of the National Health Fund the response from this institution.

If the processing of the application for reimbursement requires an investigation with the participation of the national contact point for cross-border healthcare, operating in a European Union or European Economic Area Member State other than Poland, the time limit for the processing of the application is 6 months from the day on which the proceedings were initiated.

If no determination has been made within the above time limit permitting an unequivocal determination of the amount of the reimbursement due, the reimbursement payment will be made without delay on expiry of the time limit, at an amount corresponding to the amount which is to be regarded as the most likely basis for the reimbursement in the particular case. In the proceedings, doubts are resolved in favour of the healthcare recipient.

In each of the above-mentioned cases the due amount of the reimbursement should be paid within 7 days from the day on which the provincial branch of the National Health Fund obtained the information that the decision has become final or by 31 January of the following year in a situation referred to in Article 42h(1) of the Act on healthcare benefits.

Payment of the reimbursement due will be made in accordance with the method indicated in the application for reimbursement, and may be made by transfer to a bank account or by postal order to the address provided in the application.

The decision of the director of the provincial branch of the National Health Fund on the reimbursement of costs can be appealed to the President of the National Health Fund by the healthcare recipient or their legal representative. The appeal procedure is conducted in accordance with the Polish Code of Administrative Procedure.

IV. Information on rules for determining the amount of reimbursement due

Financing of reimbursement of costs of healthcare benefits provided in another Member State of the European Union or the European Economic Area under cross-border healthcare is carried out according to national rates, i.e. in accordance with the prices of healthcare benefits binding in settlements with Polish healthcare providers, but may not exceed the amount of costs actually incurred.

The amount reimbursed shall not exceed the amount actually incurred by the healthcare recipient. The amount is determined by converting the amount resulting from the bills by the average exchange rate for a given currency announced by the National Bank of Poland, in force on the date of issuing the bill (Article 42c(13) of the Act on healthcare benefits). The payment is always made in Polish zlotys (Article 42c(12) of the Act on healthcare benefits).

The rules for determining the amount of reimbursement due are regulated in detail in the provisions of the Act on healthcare benefits, primarily in Article 42c. Pursuant to the provisions of the above-mentioned regulations, reimbursement of costs for guaranteed benefits, in relation to which there are no differentiated amounts of financing in the country, is made, as a rule, in the amount corresponding to:

1) the amount of funding for a given guaranteed benefit used in settlements between the National Health Fund and healthcare providers under the contract for the provision of healthcare benefits;

2) the amount of funding of the guaranteed benefit concerned – in the case of highly specialised benefits (referred to in Article 15(2)(12) of the Act on healthcare benefits), subject to Article 42b(2) of the Act on healthcare benefits, medical emergency procedures performed by medical rescue teams and benefits provided within the framework of health schemes funded from the state budget;

3) the amount of the limit of funding for a given medicine, foodstuff for particular nutritional use or medical device included in a given indication in the list referred to in Article 37 of the Act on reimbursement, taking into account the payment referred to in Article 14 of the Act on reimbursement, with regard to medicines, foodstuffs for particular nutritional uses or medical devices referred to in Article 6(1)(1) of that Act or which have their equivalent reimbursed in a given indication in that list, within the meaning of Article 2(13) of the Act on reimbursement;

4) the value of the medical device not higher than the limit of public funding for the given medical device resulting from the provisions issued pursuant to Article 38(4) of the Act on reimbursement, taking into account the provisions of Article 47(1)–(2a) of the Act on healthcare benefits – in the case of services referred to in Article 15(2)(9) of the Act on healthcare benefits.

For guaranteed benefits whose funding amounts are the same throughout the country, the basis for reimbursement is the funding amount of that guaranteed benefit as applicable as at 1 January of the year in which the benefit for which reimbursement is applied was terminated. If it is not possible to determine the amount of funding as at 1 January of a given year, the amount of funding as at the date on which the requested benefit was terminated shall be taken as the basis for reimbursement.

For guaranteed benefits whose funding amounts are various throughout the country, the basis for reimbursement is the weighted average amount of the funding calculated for that guaranteed benefit as applicable as at 1 January of the year in which the benefit for which reimbursement is applied was terminated. If the amount of funding cannot be determined as at 1 January of a given year, the basis for reimbursement shall be the weighted average of the amount of funding as at the date on which the requested benefit was terminated.

For guaranteed benefits settled as a fixed amount, the basis for reimbursement shall be the average amount, calculated throughout the country, of the funding of benefits in a given range which were provided to a single patient during the last full quarter preceding the quarter in which the provision of those benefits was completed, in particular the average amount of funding of:

1. guaranteed benefits provided to a single recipient in a hospital emergency department or admission room;

2. a single intervention provided by a medical emergency team.

For a medicine, a foodstuff for particular nutritional use or a medical device, the basis for reimbursement is the amount of public funding, determined in accordance with Article 42c(1)(3) or (4) of the Act on healthcare benefits, applicable on the date of purchase.

PLEASE NOTE: For healthcare benefits under the medication access schemes, in the event that, in the course of the treatment of a healthcare recipient, criteria for exclusion from the scheme as defined in the description of the individual medication access schemes have emerged, reimbursement shall cover the cost of healthcare benefits provided up to the moment those criteria have emerged.

V. Information on the cost limit and on the monitoring of the level of use of funds by the National Health Fund intended for the implementation of tasks referred to in Article 42b of the Act on healthcare benefits

In 2020, the National Health Fund may fund tasks related to reimbursement of costs of healthcare services provided as part of cross-border healthcare to the amount of PLN 1 356 250 000.
The cost limit referred to above, projected for 2020, may be reduced if revenues from the universal health insurance contributions are lower than planned for that year. The limit may be reduced by the amount resulting from the difference between planned and actual revenue. However, the cost limit for 2020 cannot be lower than PLN 424 672 000.

If the costs of performing tasks related to the reimbursement of costs, in a given calendar year, reach the amount of the set limit, the National Health Fund shall suspend the payment of amounts due for reimbursement until the end of that calendar year.

If before the end of the first half of a given calendar year, 50% of the limit is exceeded, information on the expected date of suspension of the payment of the amounts due for reimbursement shall be immediately published on the websites of the Headquarters and provincial branches of the National Health Fund and in the Public Information Bulletin of the National Health Fund.

Information on the suspension of payments will be immediately published on the websites of the Headquarters and provincial branches of the National Health Fund and in the Public Information Bulletin of the National Health Fund.

Payments suspended as a result of exceeding the set limit shall be made by 31 January of the following year.

The healthcare recipient shall not be entitled to interest as a result of the suspension of the payment of the amount due for reimbursement.

Suspension of payments is not tantamount to suspension of the possibility of exercising entitlements resulting from Article 42b of the Act on healthcare benefits or the possibility of submitting by healthcare recipients and the processing of applications for reimbursement by the National Health Fund.

VI. Comparison of the reimbursement procedure for benefits provided under the provisions of the Act implementing the Cross-Border Directive and the provisions on coordination of social security systems.

	Provisions of the Act on healthcare benefits implementing the Cross-Border Directive	Provisions on coordination of social security systems
Application area	EU or EEA Member States	EU and EFTA Member States
Institution responsible for determining the reimbursement amount	the competent provincial branch of the National Health Fund	the institution of the place of residence in the country of treatment
Institution reimbursing the amount indicated	the competent provincial branch of the National Health Fund	a) the competent provincial branch of the National Health Fund, or b) directly in the Member State of treatment in so far as the legislation of that Member State so provides
Method of determining the reimbursement amount	at the rates applicable in the country of insurance	at the rates applicable in the country where the benefits were provided
Healthcare provided by:	medical facilities operating within the general insurance system and private medical facilities as well as pharmacies	medical facilities and pharmacies which operate under a particular public insurance scheme
Reimbursable benefits	only benefits that are guaranteed benefits in the Member State of insurance (i.e. Poland)	the scope of benefits according to the legislation of the country where the treatment was provided
Nature of the benefits subject to reimbursement	planned benefits requiring prior authorisation of the National Health Fund for healthcare benefits included in the list referred to in Article 42e(1) of the Act on healthcare benefits planned benefits not requiring prior authorisation under the conditions set out in Article 42b of the Act on healthcare benefits	benefits planned only under the authorisation of the National Health Fund
	medically necessary healthcare benefits	medically necessary healthcare benefits (including when the person did not have the EHIC)
Maximum time limit for submitting the application	6 months from the date of issue of the bill	no time limit
Procedure for processing the application	administrative procedure taking into account the special provisions laid down in Article 42d of the Act on healthcare benefits	under the rules laid down in Article 25(b) of Regulation 987/2009
Model Application	application for reimbursement (opens in a new tab)	application for reimbursement of medical costs

 

 

List of benefits for which reimbursement requires the prior authorisation of the President of the National Health Fund (opens in a new tab)

Sample rates used for reimbursement of benefits provided as part of cross-border healthcare in 2022.*

 * guidance information.

Data of National Contact Points in other EU Member States

Updated information on contact details of national contact points for cross-border healthcare in the other Member States of the European Union

COUNTRY	NAME	WEBSITE	E-MAIL
AUSTRIA	Gesundheit Österreich GmbH	https://www.gesundheit.gv.at
BELGIUM	Soins de santé transfrontaliers	www.crossborderhealthcare.be
BULGARIA	National Health Insurance Fund	www.nhif.bg
CROATIA	Croatian Health Insurance Fund	http://www.hzzo.hr/
CYPRUS	Ministry of Health	www.moh.gov.cy/cbh
CZECHIA	Health Insurance Bureau	www.kancelarzp.cz
DENMARK	Danish Patient Safety Authority	http://stps.dk/da
ESTONIA	Estonian Health Insurance Fund	www.haigekassa.ee/kontaktpunkt
FINLAND	Kela	www.hoitopaikanvalinta.fi
FRANCE	Centre des Liaisons Européennes et Internationales de Sécurité Sociale (CLEISS)	http://www.cleiss.fr/presentation/pcn.html
GREECE	National Organization for the Provision of Health Services – EOPYY	https://eu-healthcare.eopyy.gov.gr
SPAIN	Ministry of Health, Social Services and Equality	http://www.msssi.gob.es/en
IRELAND	Cross-Border Healthcare Directive Department	http://hse.ie/eng
LITHUANIA	State Health Care Accreditation Agency under the Ministry of Health	http://www.vaspvt.gov.lt/en http://www.vlk.lt/vlk/en/
LUXEMBOURG	Service national d’information et de médiation santé	www.mediateursante.lu
LATVIA	National Health Service	http://www.vmnvd.gov.lv/en
MALTA	Ministry for Health	http://health.gov.mt/en
GERMANY	Deutsche Verbindungsstelle Krankenversicherung – Ausland (DVKA)	www.eu-patienten.de
NETHERLANDS	Netherlands NCP Cross-border Healthcare	http://cbhc.nl/	-
PORTUGAL	The Central Administration of the Health System	diretiva.min-saude.pt
ROMANIA	National Health Insurance House	http://www.cnas-pnc.ro/?l=en
SLOVAKIA	Healthcare Surveillance Authority	http://www.nkm.sk/
SLOVENIA	Health Insurance Institute of Slovenia (HIIS)	http://www.nkt-z.si
SWEDEN	1. Försäkringskassan (The Swedish Social Insurance Agency) provides information to persons who want to receive healthcare in another Member State 2. Socialstyrelsen (The National Board of Health and Welfare) which provides information to persons who want to receive healthcare in Sweden	www.forsakringskassan.se www.socialstyrelsen.se	huvudkontoret@forsakringskassan.se
HUNGARY	Országos Betegjogi, Ellátottjogi, Gyermekjogi és Dokumentációs Központ National Center for Patients' Rights and Documentation	http://www.patientsrights.hu/ http://www.eubetegjog.hu/
ITALY	Ministry of Health, Directorate-General for health planning	http://www.salute.gov.it
UNITED KINGDOM	NHS	www.nhs.uk/nationalcontactpoint
ICELAND	Icelandic Health Insurance – International Department	http://www.sjukra.is/english
LIECHTENSTEIN	Amt für Gesundheit (AG)	http://www.llv.li
NORWAY	HELFO (The Norwegian Health Economics Administration)	https://helsenorge.no