Health Insurance

Health insurance provides quick health services so you can get back to business as soon as possible. We usually process and approve your treatment within 1-2 business days, and if you need help assessing the right care, we will be happy to help you.



Health insurance also delivers straight access to a Stress-free line. Our experienced psychologists are ready to help you, so you can recover faster if you experience stress. You can select between two insurance coverages: Health Insurance and Health Insurance Plus.

Stress-Free Line

Stress-Free Line

Get quick access and experienced help from a psychologist when you recognise the first symptoms of stress. 

Acute therapy

Acute therapy

We guarantee quick access to therapy and help you find a therapist if you wish.

Upgrade to Plus

Upgrade to Plus

You get better coverage with Health Insurance Plus in case of an accident.

What does health insurance cover?

Health insurance provides quick access to health care services with one of the best insurance coverage on the market. Select Health Insurance Plus and get even more benefits, for instance, a second opinion for life-threatening diseases. Health Insurance Plus offers you better coverage if you have been unlucky enough to have had suffered from an accident.

Your insurance coverage
Health Insurance
Health Insurance Plus

The insurance provides coverage for preliminary and follow-up medical examinations in connection with an accident or illness. 

You can reimburse the costs of examination, treatment and medication in connection with an illness or accident.

Let's say, for instance, that you need surgery. The insurance will then cover the diagnostic examination - including X-rays, laboratory analysis, follow-ups and treatment.

The insurance covers cosmetic surgery if there is a need to reconstruct the breast after cancer or as a direct result of an accident. 

The insurance provides access to alcohol abuse treatment. The insurance covers up to two courses with a minimum gap of one year between them. 

Health insurance provides access to gambling addiction treatment, helping you to recover from compulsive gambling. You get access to two courses with a minimum gap of one year between them.  

Health insurance provides access to help if you have an eating disorder, such as anorexia, bulimia, and binge eating. You can get up to two courses with a minimum gap of one year between them. 

The insurance provides access to a psychologist or psychiatrist with whom we cooperate. If you use this option, the therapist will assess how many consultations you need. On the other hand, if you choose an accredited psychologist or psychiatrist outside our network, you are entitled to 12 sessions of 60 minutes each. The insurance covers a maximum of DKK 1,200 per consultation (2021).

You can only get treatment in Denmark, Norway, Sweden or Finland. Please be aware that the insurance policy does not cover treatment in Greenland and the Faroe Islands.

The insurance provides access to treatments from a physiotherapist, chiropractor or osteopath. Please note that the osteopath must be a member of MRODK (Members of registered osteopaths in Denmark).

You are entitled to therapeutic relieve treatment if you have a chronic condition and the insurance policy is already active. 

The insurance covers sequela following a prescribed treatment of chronic disease while the insurance policy is valid, providing that the insurance approves and covers the chronic condition. The insurance policy only covers therapeutic relief.

The insurance covers rehabilitation, for instance, with a physiotherapist or occupational therapist for up to six months. The insurance also covers the cost of prescribed tools such as medication, walker, and crutches. 

You can get up to 10 hours of psychological first aid if you need crisis intervention.

The insurance policy covers recreational therapy after surgery for up to 30 days. However, the maximum amount is DKK 58,000 (2021). 

The insurance covers consultations with a specialist such as preliminary examination, treatment and follow-up.

The insurance covers transport costs, for instance, to and from a private hospital after surgery. The insurance also provides coverage for transportation to and from rehabilitation or aftercare.  

Please contact Stress-Free and get quick help when you recognise the first signs and symptoms of stress. You do not need a referral letter from your GP to phone this line. Authorised psychologists would provide this anonymous and legally void service.
Please call Stress-Free at +45 44 74 70 03 and dial 2 to get through to a psychologist.

In some situations, we will orchestrate online consultations with a general practitioner to start treatment as soon as possible. It is so much easier to arrange a meeting with a GP with online solutions during busy times.
Our partner, Nordic Medicare, arranges and provides online consultations, and you can use your smartphone, tablet or any other device.

You can get a second opinion if you are diagnosed with a life-threatening disease or suffer an injury. You are also entitled to a second opinion if you need an uncertain treatment for your condition. 

You are entitled to ten therapeutic sessions with a reflexologist or acupuncturist within one year. Please note that your therapist is an associated alternative therapist (Registreret Alternativ Behandler, RAB).

If you are abusing prescription drugs or hallucinogens, you can get help from your insurance to get back on track. We provide two courses of treatment with a minimum of one year break between the two series. 

The insurance provides coverage for 10 consultations with a dietitian if your BMI is 35 or higher and a maximum of five courses. You are then entitled to five series with a break no exciding one year between them. 

Do you need home care assistance, nursing, childcare, cleaning or shopping? The insurance provides coverage for up to 15 hours in connection with hospitalisation or surgery.

Check out here how Health Insurance and Health Insurance Plus cover. The table is only for illustrative purposes, an extraction from the insurance terms and conditions. Compensation is evaluated and calculated following the rules of the insurance terms and conditions.

What is not covered by health insurance?

  • Free care you can get from your physician or in a public emergency room.
  • Dental care
  • Alternative and experimental treatment
  • Special care without a referral letter from your GP