Critical illness

The insurance cover for critical illness gives you and your family a financial breather if you fall seriously ill.

If you are diagnosed with a critical illness, you will in many cases receive financial support through your insurance cover. The payout will be in the form of a lump sum and will be free of taxation. It is up to you how you spend the money – whether on treatments abroad or on making your life more pleasant during a difficult time.

You can see the critical illnesses currently covered by the insurance here.

The insurance cover also offers you a one-year membership of selected patient associations such as the Danish Cancer Society, the Danish Heart Foundation, The Danish Stroke Society and the Danish Multiple Sclerosis Society.

Cover for critical illness

In Netpension, you can see on the main page whether your pension scheme includes cover for critical illness and, if so, your insurance sum.

Log on to Netpension

Did you know that the insurance covers more than 20 different diagnoses to ensure that you and your family are well-covered if anything happens to you?

The risk of contracting a critical illness increases with age. About one in 100 between the age of 50 and 60 will need to use their insurance cover for critical illness.

How to use your insurance cover

  • We are ready to advise you on +45 70 25 02 03.

It's up to you how you spend the money. You could:

  • Spend it on treatment abroad that is not otherwise covered
  • Go on holiday or convalescence stay
  • Organise your home to meet your new needs
  • Repay debt

Facts about the insurance cover

  • Who can take out the insurance?

    Who can take out the insurance?

    Requirements for taking out a personal insurance cover:

    Anyone between the age of 18 and 50 can take out the insurance cover. You only need to provide satisfactory health information.

    We also require that you set up a Danica pension scheme with a minimum annual contribution of:

    • DKK 3,000 to receive a payout of DKK 78,300
    • DKK 6,000 to receive a payout of DKK 156,600.

    Requirements for taking out a company insurance cover:

    The insurance cover can only be taken out through your employment if your employer has a Danica company pension scheme that includes cover for certain critical illnesses. You can usually choose between different coverages.

    If you want to learn more about your options and the price of your company pension scheme, please feel free to call us on +45 70 11 25 25.

  • Price

    Price

    As from 1 January 2019, the annual price of the personal insurance cover is:

    • DKK 1,510 to receive a payout of DKK 79,900
    • DKK 3,020 to receive a payout of DKK 159,800

    If you set up a personal insurance cover for critical illness, you must also contribute to a pension scheme. You must contribute at least DKK 3,000 to your pension scheme annually if you have a cover of DKK 79,900.
    If your cover is DKK 159,800, your annual contributions must be at least DKK 6,000.

    If you want to know the price of an insurance cover taken out through your employer, feel free to call us on +45 70 11 25 25.

  • What payout can I expect to get?

    What payout can I expect to get?

    Personal insurance cover payouts:
    With an insurance cover for critical illnesses, we will pay you DKK 79,900 or DKK 159,800, depending on your choice of coverage. The payout will be in the form of a lump sum and will be at your disposal right away.

    Company insurance cover payouts:
    If your insurance cover is taken out through your employer, you can see whether it includes cover for critical illness in your Netpension. You can also see your coverage, which you may be able to increase yourself to fit your exact needs. If you want to learn more about your options and the price of a higher payout, feel free to call us on +45 70 11 25 25.