Yes, travel insurance is a sensible default for a trip through Oslo Gardermoen, even though Norway itself is one of the lower-risk destinations most travelers will pass through. Gardermoen sits north of the capital and functions as the country's main gateway, both for the city itself and for onward travel into the fjords or the mountains, and a policy earns its keep more through winter flight disruption and trip logistics than through any dramatic medical danger.
Norway has excellent hospital care by any international standard, so the honest risk here is less about care quality and more about cost and coverage gaps for visitors from outside the EEA. Check whether your existing health cover extends abroad and specifically to Norway before you travel, since the answer depends entirely on your own country of residence and plan, something this page cannot determine for you. A dedicated travel policy removes that uncertainty for the whole trip, not just the days spent in the capital.
Many visitors use Gardermoen only as a starting point before heading onward to ski resorts like Hemsedal or Trysil, or into fjord country around Bergen and Flam, and each of those legs carries its own weather-driven risk. Winter, roughly November through March, brings snow and cold that can delay or cancel flights at Gardermoen itself and complicate mountain roads further inland; confirm your policy covers winter sports if skiing is part of the itinerary, since some standard policies treat it as a separate add-on rather than automatic cover for time spent on the slopes.
Keep any clinic paperwork, airline delay documentation, and receipts for unplanned accommodation if winter weather disrupts your onward connections. Many policies treat weather-related flight delay as a standard claim, so check how the wording defines it and what proof it requires before assuming reimbursement happens automatically once you are home. Confirming these details before departure is far simpler than sorting them out from a snowbound platform in Hemsedal or Trysil.