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Health Insurance

Danica Health Insurance provides you with the best treatment options.

Danica Health Insurance takes care of you, when needed. We help you find the best treatment, and you also avoid long waiting lists as you get access to private hospitals. The insurance also covers expenses for treatments by, for example, a physiotherapist or a chiropractor. 

How to get treatment 

We are ready to advise you on treatment and answer
any questions on

Get treatment

or call us at 70 25 02 03
The health insurance is divided into modules. The standard insurance cover consists of the basic module and modules 1 and 2. You can learn more about the individual modules below. If your insurance cover has been taken out through your employment, your employer has selected the modules on your behalf.

You can see your existing insurance covers in netpension

Log on to Netpension

  • Insurance conditions
    Together with your statement of cover, we sent you the insurance conditions applying to you by ordinary mail or in your e-Boks. You received the insurance conditions either when you established your pension scheme, or if your pension scheme was subsequently changed.

    If you established your pension scheme after 17 November 2005, you can always see the insurance conditions applying to you in your pension overview in Netpension.

    Information on insurance product
    To ensure greater transparency, you must be able to compare Danica Pension’s non-life insurance products with those of other companies. This is pursuant to an EU directive which came into force on 1 October 2018.
    We must inform you of this right before you enter into an agreement with us, and you can find answers as to what, where and how the insurance covers here (in Danish only).

Each year, one in five Danes need to use their health insurance

With Step Care™, we support you all the way and ensure that the treatment is customised to your needs

Special advantages of physiotherapy and
chiropractic treatment

A doctor's referral is not required:

  • Help right away without consulting
    own doctor
  • Timely treatment of even more customers

Training facilities:

  • Access to gym during the entire course of treatment
    + three months after
  • Better results when combining treatment with training sessions

Training app and direct contact:

  • Training app with the option of contacting the physiotherapist in between treatments
  • 60 percent of customers undergoing treatment download the training app

Special advantages of
psychological treatment

Coaching approach:

  • A coaching approach to treatment focused on establishing new habits and behaviours
  • Many experience positive results with this approach

Work-related advice:

  • Focus on maintaining the employees’ connection with the workplace with the option of a three-way conversation
  • In 70 percent of claims, work-related advice is relevant

Video meetings and online modules:

  • Option of video meetings and digital training modules in between treatments with the therapist
  • 40 percent use online meetings – we expect this number to increase

Learn more about the modules of the insurance cover here

  • Basic module

    The basic module covers an annual amount of up to DKK 1 million for your expenses for quick treatment at a private hospital or a medical specialist. If you have other modules, you may be covered for up to DKK 1.5 million a year. You can see the amount in Netpension or in the policy you received via e-Boks. 

    The basic module covers your expenses for: 

    • Consultations and preliminary examinations and subsequent treatment 
    • Your own meals, accommodation and care at the private hospital during inpatient treatment. 
    • Surgical treatment – both outpatient and inpatient treatment. Medical or other treatment is covered only in connection with inpatient treatment 
    • Post-treatment check-up – including several check-ups, if needed 
    • Post-surgical outpatient rehabilitation in Denmark. Rehabilitation must take place in a private hospital or at medical specialist or physiotherapist clinic with referral by a doctor. Your insurance covers a maximum amount equal to the subsidy for rehabilitation in accordance with the collective agreement with the public authorities. 

  • Module 1: Physiotherapist, psychologist, dietician, etc.

    This module offers you treatment by a number of therapists. This includes:

    • medicine during the first six months after the first date of treatment
    • treatment by a physiotherapist, an osteopath or a chiropractor – either a reasonable and necessary number of treatments when using a therapist from our network or a maximum of 12 treatments by a therapist of your choice per 12-month period
    • a maximum of 12 treatments by a reflexologist per 12-month period
    • a maximum of 12 treatments by an acupuncturist per 12-month period
    • consultation with a psychologist – either a reasonable and necessary number of consultations when using a psychologist from our network or a maximum of 12 consultations with a certified psychologist of your choice per 12-month period
    • examination and treatment by a psychiatrist within our network
    • treatment by a dietician – if your BMI is above 30 or if the treatment by the dietician is part of a course of treatment for another illness

  • Module 2: Treatment abroad etc.

    This module covers medical treatment at a private hospital abroad, and you are eligible to get assistance in your own home. Your insurance also covers a convalescence or treatment stay. Module 2 covers an annual amount of up to 1.5 million.

    Maximum cover

    • Up to 30 hours of temporary assistance in the home
    • Inpatient convalescence and treatment for a maximum amount of DKK 45,000
    • Treatment abroad which is not offered in Denmark for a maximum amount of DKK 200,000
    • Transportation to and from treatment abroad for a maximum amount of DKK 10,000 for a return airline ticket
    • Transportation for an accompanying person for treatment abroad for a maximum amount of DKK 10,000 for a return airline ticket
    • Accommodation for an accompanying person for treatment abroad for a maximum daily amount of DKK 2,000

  • Module 3: Healthcare for your children

    A company pension scheme may include a health insurance extended with Module 3, which also covers your children if they fall ill or have an accident and need treatment.

    If your employer has not included Module 3 in your health insurance, you can choose to take out Danica Children’s Health Insurance instead. The insurance will be set up as a personal policy independently of your employer.

    Learn more about personal health insurance for your children

    Which children are covered?

    The insurance covers the children from the age of 0 to 24, and it covers the following children:

    • Your biological and adopted children aged 0 to 24
    • The biological and adopted children aged 0 to 24 of your spouse. The child or children must be registered at your address at the time when the illness or their condition following an accident is diagnosed
    • The biological and adopted children aged 0 to 24 of your cohabitant. The child or children must be registered at your address at the time when the illness or their condition following an accident is diagnosed. Cover is subject to you having lived with your cohabitant in a conjugal relationship at a shared address for at least two years before the diagnosis of the illness or the condition following an accident is given. In order to share an address you must be registered at the same address in the Danish National Register.

    Children's Health Insurance covers

    • Consultations and preliminary examinations in a private hospital or at medical specialists
    • Surgical treatment – both outpatient and inpatient treatment
    • Medical treatment is covered only in connection with inpatient treatment
    • Accommodation and meals for a companion according to Danica Pension's assessment
    • Post-treatment check-up
    • Post-surgical outpatient rehabilitation in Denmark
    • Treatments at physiotherapist, chiropractor, osteopath, acupuncturist, reflexologist and psychologist

  • Module 4: Addiction treatment

    A company health insurance cover may include module 4, which provides the employees with the opportunity for treatment of alcohol, drug and other addictions.

    This module is not available if you have a personal health insurance cover.

    • ADDIS test, that gives a diagnosis of dependence of medicine and/or alcohol
    • Preliminary examination and treatment of dependence of medicine and/or alcohol
    • Preliminary examination and treatment of dependence of other drugs
    • Medicine
    • Follow-up consultation

    The insurance covers expenses incurred for up to two sessions of treatment of dependence of medicine, alcohol and/or other drugs until the insurance expires.

    We cover provided that:

    • there is a realistic chance that you will recover in the opinion of the attending practitioner at the place of treatment
    • any former treatment covered by the insurance has been completed
    • the place of treatment is situated in Denmark and is on our list of approved places of treatment. The list is updated regularly

  • The following is not covered

    • The first three months after the insurance cover has been set up
    • Illnesses which, according to general medical assessment, are incurable
    • Treatment which cannot significantly or permanently improve the condition
    • Chronic conditions diagnosed before the insurance cover entered into force
    • If criteria for treatment in the public healthcare system are not met
    • Cosmetic treatment
    • Dental treatment
    • Fertility treatment
    • Injuries occurring in connection with professional sports

    You can learn more about the areas not covered by the insurance under the conditions in Netpension

Facts about Danica Health Insurance

  • Anyone between the age of 18 and 60 living in Denmark can take out Danica Health Insurance. You must be fully fit for work to set up the insurance cover. Moreover, you must not have applied for public anticipatory pension or be employed in a flex job. 

    The insurance only covers expenses for treatment after our approval. 

  • If you have a personal health insurance cover, you can choose one of the following combinations:

    Basic module + module 1

    Basic module + modules 1 and 2

    If your health insurance is taken out as part of a company pension scheme, you will be covered by the health insurance chosen by your employer.

    Feel free to contact us if you want to adjust your modules.

  • The price of the personal insurance cover depends on your age, your number of modules, etc. 

    If you want to learn more about the price of a Danica Health Insurance via your employer, we recommend that you contact us on +45 70 11 25 25

  • If your health insurance is taken out as part of a company pension scheme, there are rules and requirements to the tax treatment of the cover, depending on how the health insurance is paid.

    In case of doubt, feel free to call us on +45 70 11 25 25

  • We will process your claim within three business days. If you have consented to Danica Pension contacting you via your e-Boks or in Netpension, you will receive our assessment electronically. Otherwise, we will send you a letter. Here, you will be able to see what you need to do.

    If you have any questions about your health insurance, please feel free to call us on +45 70 25 02 03.

  • Yes, you generally have a free choice of treatment provider, including AS3 Work&Care and FysioDanmark. If you are to be treated at a private hospital, you can see the private hospitals in our network here.

  • Treatment via network:

    If you receive treatment via AS3 Work&Care or FysioDanmark, they will settle their expenses directly with us.

    Treatment by provider chosen by you:

    If you have chosen a provider outside our network yourself, the expenses will be settled via Sygeforsikringen “danmark” – also if you are not a member. In some cases, you will have to lay out the expense yourself. This depends on your chosen treatment provider.

    1. Ask your provider to notify “danmark” of your treatment

    •  If you have chosen a provider from the list at www.sygeforsikring.dk/find-behandler (in Danish only), you do not need to take further action
    • If you have chosen another provider, you will have to lay out the expense yourself. If your provider is not able to notify “danmark” of your treatment, you must also send the bill to Sygeforsikringen “danmark”. You can upload the bill electronically under ‘Beskeder’ by logging on with NemID at www.sygeforsikring.dk. Alternatively, you can send the bill to Sygeforsikringen “danmark”, Palægade 5, DK-1261 Copenhagen K

    2. If you have paid for the treatment yourself, “danmark” will reimburse the amount to your Nemkonto account or your designated account. "

  • If you are treated or examined by a specialist or at a private hospital, the treatment facility will have to send the bill to us directly. Our healthcare team must approve treatment by a specialist or at a private hospital in advance. If you have paid for the treatment yourself, you can upload your bill here. It is important that you also submit a copy of your medical file from the examination.

  • Sundhedspartneren is a booking and communication platform for insurance providers and private hospitals and clinics.

    The platform allows you, the customer, to book an appointment yourself, or Danica Pension can book an appointment for you. In certain specialist fields, appointments must be booked by the medical secretary – in which case we will ask the private hospital to call you.

    What happens when I receive a link by email and/or text message?

    If you are to book an appointment yourself, you will in many cases have to sign a consent form before you are presented with a list of private hospitals and their available appointments.

    Your consent is necessary for us to exchange information with the private hospital or the clinic.

    If Danica Pension has booked an appointment on your behalf, you will in many cases have to sign a consent form. Please note that the consent form must be signed not later than 48 hours before the booked examination date. If the consent form is not signed before this deadline, you risk losing your booked appointment.

    If you have arranged with Danica Pension that the private hospital is to contact you, this will not be possible until you have signed the consent form, as your contact details will not be available to the private hospital until you have done so. The private hospital will then call you within 24 hours. You can also call the private hospital once you have signed the consent form. Remember to state your claim number, which you find in the email/text message.

    What happens next?

    If you need other examinations or treatment than those pre-approved by Danica Pension in connection with the filing of your claim, we will automatically receive a request from the private hospital via Sundhedspartneren.

  • As for treatment by a physiotherapist, a chiropractor or a psychologist, it is not necessary to report a new claim if you have chosen treatment by a provider within our network.

    If you have chosen a provider outside our network, you will need a new approval to continue your treatment.

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