Children's Health Insurance

• 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's assessment
• Post-treatment check-up
• Post-surgical outpatient rehabilitation in Denmark
• Treatments at physiotherapist, chiropractor, osteopath, acupuncturist, reflexologist and psychologist.

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, regardless of residence.
• 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.

Danica Children’s Health Insurance costs DKK 1001 per year – regardless number of children.

The price is exclusive non-life insurance tax of 1,1 percent

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.

If you have not been offered a compulsory health insurance through your employer, you cannot take out personal children’s health insurance.

• Pre-existing conditions in the first six months after the insurance was taken out
• 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
• Examination and treatment that are of a general or preventive nature
• Cosmetic treatment
• Dental treatment
• Congenital disorder
• Injuries occurring in connection with professional sports
• Examination and treatment by psychiatrist
  

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

Physiotherapist, chiropractor and osteopath

• Your child needs a doctor’s referral for treatment by a physiotherapist.
• A doctor’s referral is not required in connection with treatment by a chiropractor. Please note that for children under the age of 2, chiropractor treatment must have been recommended by a doctor or a health visitor.
• A doctor’s referral is not required in connection with treatment by an osteopath but treatment must have been recommended by a doctor.

Acupuncturist or reflexologist

• A doctor’s referral is not required in connection with treatment by an acupuncturist or a reflexologist but treatment must have been recommended by a doctor.

Specialist or X-ray/scan

• Your child needs a referral from his/her own doctor for examination by a specialist or an X-ray/a scan.
• The doctor cannot make referrals for examination by an otorhinolaryngologist or an ophthalmologist. In such case, the doctor must simply have recommended the examination.
  

• If your child’s doctor assesses that your child qualifies for referral through the national health service, the doctor must make a referral through that channel. (Regrettably, Teladoc Health cannot make referrals for psychological counselling)
• If the child’s doctor assesses that the child does not qualify for referral through the national health service, the doctor can verbally recommend psychological counselling for the child. 

* Danica Children’s Health Insurance does not cover examination by a psychiatrist

No, it is not possible for you to track the various stages of our case processing. We aim to process all enquiries within three business days. If, contrary to our expectations, our case processing time is longer than usual, this will appear from our website.

Physiotherapist, chiropractor and osteopath
You will receive an approval letter in your e-Boks*.

Acupuncturist or reflexologist
You will receive an approval letter in your e-Boks*.

Specialist or X-ray/scan
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.

Psychologist chosen by you
You will receive an approval letter in your e-Boks*.

Psychologist via AS3
If you have obtained approval via AS3 and signed the consent form 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*.

* Letters
Letters sent from Danica 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 have a free choice of therapist, but a number of requirements must be met.

Danica Children’s Health Insurance covers expenses for up to 12 treatments in total by a physiotherapist, a chiropractor or an osteopath within a 12-month period.

• Your child needs a doctor’s referral for treatment by a physiotherapist.
• The physiotherapist must be certified.
• Will I have to cover any expenses myself?
• If you choose a physiotherapist who has a provider number (ydernummer) under the agreement with the Danish national health service, we will cover the amount in full.
• However, if you choose a physiotherapist who is not comprised by the agreement with the national health service, you will be charged a contribution. Danica Health Insurance covers the amount corresponding to the patient’s share according to the agreement’s rates, and you pay the difference.

• The chiropractor must be certified.
• A doctor’s referral is not required.
• Please note that for children under the age of 2, the treatment must have been recommended by a doctor or a health visitor.
  

• The osteopath must be a certified osteopath or a certified physiotherapist who is also a fully-trained osteopath.
• We cover the price of the child’s treatment.

Yes, you have a free choice of therapist, but a number of requirements must be met.

• Danica Health Insurance covers up to 12 treatments within a 12-month period.
• The acupuncturist must be a doctor or a registered alternative therapist (RAB-approved).
  

• Danica Health Insurance covers up to 12 treatments within a 12-month period.
• The reflexologist must be a registered alternative therapist (RAB-approved).
  

Yes, you have a free choice of therapist, but a number of requirements must be met.

Before you can report your child’s claim for psychological counselling, you need to contact the child’s doctor to determine

• whether your child qualifies for referral through the national health service, or
• whether your child’s doctor recommends psychological counselling for your child, but your child does not qualify for referral through the national health service 

• Danica Children’s Health Insurance covers up to 12 treatments.

Will I have to cover any expenses myself?

• If you choose a psychologist who has a provider number (ydernummer) under the agreement with the Danish national health service, we will cover the amount in full.
• However, if you choose a psychologist who is not comprised by the agreement with the national health service, the psychologist must be certified. Danica Health Insurance covers the amount corresponding to the patient’s share according to the agreement’s rates, and you pay the remaining amount yourself.

• Danica Children’s Health Insurance covers up to eight treatments.
• The psychologist must be certified.
• Danica Children’s Health Insurance covers up to DKK 900 per treatment.

Do you need help choosing a psychologist?

You can search for psychologists at www.psykologeridanmark.dk. Remember to tick the box ‘med lægehenvisning’ (with doctor’s referral) if your child has a doctor’s referral. If you find it difficult to choose a psychologist, we can help you to a quick start through AS3, so that you can choose the right therapist.

AS3 offers psychological counselling for children and young people aged 2-24.
AS3’s health experts engage in interdisciplinary collaboration and undergo regular training and certification to offer the best treatment methods in their professional fields.

• Treatment start within three business days of initial contact
• Up to eight treatments – whether the child qualifies for a doctor’s referral or not
• Danica handles payment
• Parental involvement offered, if relevant
• Option of video meetings and digital training modules in between consultations with psychologist
• Option of changing to another psychologist within AS3’s network after the initial consultations

How it works:

1. First, we need your consent to exchange your and your child’s information with AS3.
2. We then send your information (your child’s name and civil registration (CPR) number, your name, your civil registration (CPR) number, address, mobile phone number and personal email address) to AS3.
3. AS3 will call you for an initial consultation lasting 10-15 minutes. If you have obtained approval via AS3 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*.
4. You arrange the following steps.

Yes, you can freely choose where you want your child to be examined. This includes all private hospitals and clinics who treat patients referred by insurance companies or non-subsidised patients.

We recommend that you choose one of our business partners as

• we have pre-approved a number of examinations, so private hospitals/clinics do not have to repeatedly request our approval for your examination
• we continually ensure that our partners meet our customer satisfaction and quality requirements
• we have established clear communication between Danica and our partners.

Treatment via network: If your child receives treatment via AS3, they will settle your expenses directly with us.

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

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

• If you have chosen a therapist 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 therapist, you will have to lay out the expense yourself. If your therapist 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 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 your treatment yourself, “danmark” will deposit the amount in your Nemkonto account or your designated account.

Specific examples of what the insurance does not cover:

• Congenital disorders: hip dysplasia, tongue-tie, congenital scoliosis, flat feet, etc.
• Treatment of cosmetic conditions that do not have a direct impact on the child’s physical state of health:  acne, warts, lipomas, facelifts, ear pinning, scar revision, benign changes in moles, etc. 
• Examination and treatment by psychiatrist
• Chiropodist
• Occupational therapist
• Optometrist: glasses, contact lenses, refractive eye surgery
• Dentist and oral surgeon
• Alternative treatment by a masseur, a body therapist, a Body SDS therapist, etc.
• Vaccinations and health examinations

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.

New insurance conditions as from 1 January 2020
We changed the insurance conditions at 1 January 2020. When the changes come into effect for you, you can see the insurance conditions applying to you in Netpension.

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'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 (On Danish only), where and how the insurance covers here.