If you or your children become ill

You have several options to protect yourself and your family if you become ill. With the right insurance, you and your children can get access to prompt treatment, and you can receive a lump sum if you become seriously ill. You may also receive a regular income if you become unable to work for a long period of time.

Critical illness
Critical illness insurance pays you a lump sum if you are diagnosed with one of the specified illnesses covered by the policy. You will typically receive the money after a few weeks.

If you lose your earning capacity
Insurance against loss of earning capacity covers some of your salary if your earning capacity is reduced by half or two-thirds due to illness or accident, thus making you unable to work. To be on the safe side, it is a good idea to check whether the amount of benefits payable under the insurance matches your needs in case of unfortunate events. In this way you ensure that your family can still afford to pay rent, food and bills for some time. You can read more about what will happen around you if you are on sick leave for a long period of time by using the link below.

Useful advice if you become ill

Prompt treatment
With Danica Health Insurance you can get access to prompt hospital treatment. The invoice from a private hospital is usually sent directly to Danica Pension, but you will most typically have to pay upfront for medication and aftercare by, for instance, a physiotherapist. Later on, you will then be reimbursed by Danica Pension for some of the expenses incurred for the agreed treatment.

Child Health Insurance
Danica’s Child Health Insurance covers all of your children from the ages of two to 18 years if they become ill and require treatment, for instance at a private hospital or from a psychologist or acupuncturist. The insurance also covers accommodation, surgery and medical treatment while your child is hospitalised. If you already have a Danica Health Insurance through your employer, cover for your children may be included under this insurance.

Talk to us
You should always contact us if you or your children are diagnosed with a serious illness. We will be pleased to provide advice on how to get the most out of your insurance policies, and you are always welcome to call us or write to us. It is important that you contact us before you commence any treatment to make sure that your treatment is covered by the insurance.

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Would you like to have the flexibility to change your risk profile?
With Danica Balance, you can always switch to another investment option that matches your age and life circumstances.

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