Cover for loss of earning capacity amounts to a minimum of DKK 115,000 per year. Your coverage depends on your income.

The amount is subject to taxation and becomes payable if you lose 50% or more of your earning capacity for a period of more than three months due to illness or an accident. Special rules apply to owners of newly established companies. It is up to you whether you want to be covered by your insurance until your 65th birthday or until you reach your state pension age.

If you lose your earning capacity, we will ensure that pension contributions resume after three months, and that your insurance still provides you with cover.

The health insurance covers expenses for prescribed treatment of an illness or injury at approved private hospitals or private clinics as well as expenses for treatments by a physiotherapist or chiropractor, reflexology and acupuncture, treatment abroad, transportation to and from treatment facility abroad, transportation and accommodation for an accompanying person abroad, inpatient convalescence and treatment stay, as well as temporary assistance and care in the home.

You are covered by your health insurance until your 67th birthday. The cover can be extended from age 67 to age 70.

You are comprised by Danica Health Package. The health package provides help before, during and after illness:

• Stress Hotline: Immediate telephone counselling helping you to prevent stress and recover sooner.
• Help to navigate the public healthcare system: We help you navigate the public healthcare system so that you can begin treatment as soon as possible.
• Online health check: Get information in just a few minutes about your general state of health and be motivated to lead a healthier lifestyle.
• You can get a second opinion if you for instance are uncertain about a diagnosis or recommended treatment.

Your pension savings will be paid out when you retire. You can start receiving benefits when you reach your early retirement age. Most people start their payout later, however. The longer you wait, the bigger your payout. You can choose between a retirement savings scheme, an annuity pension scheme and a life annuity, or a combination thereof.

Health insurance benefits are paid out in connection with prescribed treatment of an illness at approved private hospitals or private clinics and treatments by specialists, chiropractors, psychologist, reflexologists and acupuncturists.

Cover for certain critical illnesses is paid out as a lump sum if you are diagnosed with one of the serious illnesses on this list. You must be alive to receive the payout.