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

Report a claim online
When you report a claim on our website, you will not receive an email confirming receipt of your claim. Instead, you will receive an online receipt containing information about your next steps. If you are unsure as to whether we have received your claim, log on to Netpension and look under ‘Sign’. We have received your claim if it is available under ‘Sign’.

In many cases, you will receive an immediate approval on the screen. If not, we will assess your claim within three business days.

Approval

• If you have obtained an approval for treatment via FysioDanmark, you will receive an email/text message with a booking link right away. You will not receive a letter in your e-Boks*.
• If you have obtained approval via AS3 Work&Care before 2.00pm on business days, AS3 will call you between 3.00pm and 5.00pm on the same day. If you report your claim on a business day after 2.00pm or during the weekend, AS3 will call you the following business day between 3.00pm and 5.00pm. You will not receive a letter in your e-Boks*.
• If we have approved examination by a specialist/at a private hospital/by a psychiatrist, you will most often receive an email from Sundhedspartneren, where you have to sign a consent form. You can also often book an appointment yourself. Click here to learn more about Sundhedspartneren. In cases where we do not use Sundhedspartneren, you will receive an approval letter in your e-Boks instead.
• Any approval not stated above will be sent to you by letter in your e-Boks.

Letters
Letters sent from Danica Pension via e-Boks are normally available the day after our approval. 
We always ask you to present your letter at the first examination/treatment, as it contains important information about cover and settlement.

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.

Specific examples of what the insurance does not cover:

• Treatment of cosmetic conditions that do not have a direct impact on your physical state of health: skin tags, warts, lipomas, seborrhoeic warts, acne, facelifts, scar revision, benign changes in moles, actinic keratosis (sun damage), etc.
• Chiropodist
• Occupational therapist
• Optometrist: glasses, contact lenses, refractive eye surgery
• Hearing aids
• Dentist and oral surgeon
• Alternative treatment by a masseur, a body therapist, a Body SDS therapist, etc.
• Vaccinations and health examinations

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.