Health Insurance Basic

Please refer to the terms regarding coverage for the precise description as this is an overview.

Health Navigator
The Health Navigator is provided by nurses and doctors and includes extensive help to get correctly and quickly through the entire course of treatment for health issues which require treatment. This includes the issues that the insurance does not pay for but which must be solved in the public health care system.

The doctor/Dansk Sundhedssikring helps to prepare a plan for the course of treatment and – with the customer´s consent – to collect and review the relevant medical information.

Dansk Sundhedssikring knows where to find the various types of expertise for the treatments/surgeries and assists with navigation coordination. This way the employee will get quickly and correctly through the course of treatment.

Treatment by a physiotherapist, chiropractor and psychologist
There is no predefined number of treatments provided that there is medical reasoning for the treatment and that it is possible to cure or provide a substantial and long-lasting improvement. There is no requirement to use a specific network of treatment providers. It is merely required that the treatment providers are authorised in accordance with the law.

Dansk Sundhedssikring provides coverage for physiotherapy treatment in accordance with the rates as per agreement with the public health insurance BEFORE subsidies. There is no requirement to get a doctor´s referral from the insured´s own doctor.

Dansk Sundhedssikring provides coverage for chiropractor treatment in accordance with the rates as per agreement with the public health insurance. There is no requirement to get a doctor´s referral from the insured´s own doctor.

Dansk Sundhedssikring provides coverage for treatment by a psychologist without always requiring a doctor´s referral from the insured´s own doctor. This depends on the precise issue. We cover up to 957 DKK per treatment and there is no predetermined number of treatments in our network.

Acute crisis assistance
Acute crisis assistance from a crisis psychologist is covered in certain instances. These include when someone close to you dies, if you have been robbed or assaulted or if you have been subjected to a sudden occurrence where you have been in serious physical danger and in case of a fire, an explosion or break-in at your private residence or company or if you are diagnosed with a serious illness. Contact will be established with a crisis psychologist within 3 hours when this is required.

Quick examination
When a pre-examination by a private medical specialist is necessary for a diagnosis then this will happen within a maximum of 10 working days and usually within 2-4 working days. The pre-examination also includes potential imaging diagnostic examinations. The result of the pre-examination forms the basis for the subsequent treatment plan.

Quick hospital treatment
If the insured has to undergo hospital treatment on the basis of the diagnosis then treatment will be initiated within 10 days after the diagnosis has been made and Dansk Sundhedssikring and the treatment provider have received the referral/diagnostic results/medical records.

For a number of illnesses within the categories of cancer and cardiovascular illnesses the treatment will occur through the acute process solutions in the public health care. For illnesses which are to be treated in the public sector, Dansk Sundhedssikring will assist in navigating and coordinating.

Medical post-processing and check-ups for up to 6 months after surgery
After hospital treatment/surgery the necessary check-ups and prescription drugs in connection with the surgery are covered for up to 6 months after the surgery.

Rehabilitation, home nursing and home assistance
Public health care must ensure rehabilitation immediately after a surgery just as home nursing and home assistance must be offered when the doctor deems it necessary. However Dansk Sundhedssikring ensures that the assistance is implemented within 1o working days after the covered treatmnet/surgery is complete. We provide coverage for up to 6 months after the surgery with up to 50,000 DKK per claim and the reasonable and necessary costs for: rehabilitation after the surgery and a home nurse when prescribed by the treating doctor and Dansk Sundhedssikring´s doctor.

Home services if the client and their family are significantly impaired in performing normal daily tasks and if the customer has been on sick leave for more than 14 days and home care services are prescribed by the treating doctor and Dansk Sundhedssikring´s doctor.

Necessary tools related to the rehabilitation if the government does not make these available.

Substance abuse rehabilitation
Dansk Sundhedssikring assists in using the public health care offers for substance abuse rehabilitation. This includes the treatment guarantee for alcohol abuse in 2 weeks. The public health care also offers treatment of other forms of abuse.

Second Opinion
In the case of life-threatening illnesses or particularly dangerous treatment then a second opinion from another specialist is covered.

Transport and companion
If there is a need for lying transport or transport over a long distance then this is covered as per the terms.