Health insurance business

• Our health team, consisting of experienced doctors, nurses, physiotherapists, psychotherapists, and other healthcare professionals, has many years of experience in various specialties and offers professional advice on health and illness. Telephone consultations are available with nurses, physiotherapists, and doctors regarding all health and wellness issues – including those that do not require actual treatment or are not covered by insurance.
• The health team's advisory lines provide you with access to guidance on topics such as health and wellness, pregnancy, well-being issues, stress and stress prevention, substance abuse, pain, concussions, menopausal symptoms, nutrition, lifestyle changes, leadership challenges, as well as advice on relevant services for cancer patients, discussion groups, inspiration for mental exercises, nutrition guidance, and training.
• Our experienced nurses and physiotherapists can also offer advice on quick relief for newly developed pain, clarification of treatment needs, guidance on exercises for pain management, care calls, advice on physical activity and sedentary behavior for youth, adults, seniors, and pregnant individuals, and how physical activity can alleviate many symptoms. They can also provide access to materials, training guidance, workout videos, and an evidence-based exercise app.

• Our healthcare team has in-depth knowledge of both public and private healthcare.
• Through our unique SundhedsNavigator and co-ordinator concept, we offer you help to organise and carry out the course of examinations and treatments, as well as provide guidance on the public health care system’s treatment options, e.g. patient rights, complaint procedures, guidance regarding waiting times, free choice of hospital and examination and treatment guarantees. 
• We are also happy to help review medical records from hospitals and doctors.

• The healthcare team can refer to various counselling and treatment options and/or self-training, such as training counselling, training videos, training app, online or physical therapy.
• Based on a medical assessment, reasonable and necessary treatment by a physiotherapist or chiropractor is covered (there must be a medical need for the treatment).
• Physiotherapy and chiropractic treatment are covered in our quality-assured network or with a therapist of your choice.
• In relevant cases, physiotherapy in our networks can take place online/digitally or with a combination of digital treatment and in-person attendance.
• GLA:D training programmes are covered for diagnosed osteoarthritis of the hip or knee or for long-term or recurring back pain.

• The healthcare team can refer you to various counselling services and support for dealing with mental health challenges, including stress, well-being and life change challenges.
• Treatment with a psychologist in our quality-assured network or with a therapist of your choice is covered based on a healthcare assessment.
• For treatment in the network, the necessary number of treatments is covered based on a professional assessment. Treatment with a therapist of your choice is covered for up to 6 months.
• In relevant cases, treatment in our network can also take place with a quality-assured psychotherapist.
• In relevant cases, treatment in our network can take place online/digitally or by phone.
• The insurance covers specialised anxiety treatment programmes for children and children with mental health problems. 

• The insurance offers personalised counselling and support for stress or well-being-related problems that do not require actual treatment.
• The hotline is managed by an in-house counselling team, all of whom have a professional background within health.
• Counselling is provided, for example, on reducing and preventing early signs of stress and dissatisfaction with life, private wellness issues such as personal crises, children, grief, cohabitation and divorce, as well as work-related wellness issues such as burnout, dismissal, bullying and conflicts. 
• The insurance also offers youth counseling in the form of confidential conversations with healthcare professionals about challenges such as stress, anxiety, loneliness, eating disorders, low self-esteem, or issues within the family, at school, or with friends.

• The support line for managers is an offer for HR and managers and provides access to telephone counselling, where you as a manager can get help to explore new perspectives or examine your options for action, if you e.g. have employees with stress, employees with private challenges, wellness issues, bullying, conflicts, or if there has been an accident or a violent incident at the workplace.
• The support line for managers is handled by an internal team for mental health, all of whom have relevant professional backgrounds.
• Based on a professional assessment, the mental health team can refer to a quality-assured and experienced occupational psychologist.

• The insurance covers GP-referred consultations with a psychiatrist in the network or a psychiatrist of your choice. 

The insurance covers emergency trauma counselling with experienced crisis psychologists in our network if we assess that you have suffered an acute psychological crisis for the following reasons: 

• If you have experienced a sudden serious incident/accident, where you have been in danger.
• If you are subjected to a robbery, assault, violence or kidnapping. 
• Fire, explosion or burglary in your private residence or your own business (must be reported to the police).
• If you are diagnosed with a life-threatening disease.
• Death within your immediate family.
• If a member of your immediate family is diagnosed with a life-threatening disease.
• If you experience a family member’s or colleague’s sudden, unexpected death or sudden serious incident/accident. 

• The insurance covers GP-referred examinations in order to make a diagnosis, e.g. MRI scanning.
• The insurance covers treatment/surgery performed by a medical specialist at a hospital or clinic.
• Examination or treatment is initiated within 10 working days in the public or private healthcare service. 

• The insurance covers an examination for allergy.

• The insurance covers follow-up examinations after surgery covered by the insurance at a hospital or clinic for up to 24 months.
• The follow-up examination must be prescribed by the relevant medical specialist.

• The insurance covers outpatient medical rehabilitation performed by a physiotherapist and/or chiropractor in direct connection to a coverable procedure in the musculoskeletal system. Outpatient rehabilitation for herniated discs in the neck, back, and lower back is also covered if conservative treatment can replace the need for surgery.
• Rehabilitation is covered in our quality-assured network or with a therapist of your choice.
• The necessary number of treatments is covered based on a professional assessment.
• Rehabilitation must be prescribed by the relevant medical specialist.

• The insurance covers expenses for temporary help at home following an operation covered by the insurance.
• Assistance with cleaning, shopping, personal hygiene, dressing and undressing is covered for up to 6 months after the date of discharge.

• The insurance covers expenses for personal assistive devices in connection with a covered surgery.

• In certain cases, the insurance covers consultation with a medical specialist if you have a life-threatening or particular serious disease or injury or, if you are faced with the choice of receiving particularly risky treatment, which may be life-threatening or result in permanent injury.

• The insurance covers chronic diseases arising during the insurance period for up to 6 months from the time of diagnosis if we consider that treatment will cause a significant and lasting improvement to the condition.

• The insurance covers complications that occur during the insurance period as a direct consequence of a chronic illness for up to 6 months from the time of diagnosis, if we assess that treatment will lead to a significant and lasting improvement of the condition.

• In the case of cancer diagnoses, the insurance covers advanced analyses, including genetic testing and family testing, counseling with genetic specialists, as well as a report with recommendations for personalized treatment. You will be assigned a personal case manager to assist you throughout the process. You can activate the coverage, Cancer Care, if your policy indicates that you are covered under Supplement 1 – Personal Medicine and Cancer Treatment Abroad.

• The insurance covers recumbent ambulance transport between home and the place of treatment if you cannot be transported by car or by public transport.
• The insurance covers transport expenses for a medical companion if we assess that your health condition requires the presence of a companion.

• The insurance covers transport costs in Denmark between home and the place of treatment in connection with specialised medical care at a hospital or clinic if we refer you to a place of treatment more than 60 km from your place of residence.

• The insurance covers a personalized health program for the treatment of diabetes, high blood pressure, cardiovascular disease, COPD, cancer diagnoses (if you are covered by Cancer Care), severe obesity, menopause for men and women, as well as obesity during pregnancy.
• You will have access to a personalised online programme of health coaching, counselling and health plans from an experienced clinical dietitian.
• Based on a professional assessment, the programme can be combined with digital counselling with a psychologist, physiotherapist and/or a medical specialist.
• You must be 16 years or older to use the programme.

• The option covers the treatment of musculoskeletal disorders based on a medical assessment (there must be a medical need for treatment).
• Reflexology, acupuncture and osteopathy are covered with up to 10 annual treatments per form of treatment.
• Up to 10 treatments per year with a dietician based on a medical evaluation are covered. Online dietitian consultations are also offered through a partner in our network.

• The option covers GP-prescribed treatment for abuse of and addiction to alcohol, prescription drugs, narcotics and diagnosed addiction to gambling.
• Addiction therapy is only covered once you have been covered by the policy for 6 months.
• Treatment is not covered if you have previously been in treatment for the same type of abuse.

• The option covers private emergency medical service for the entire household, i.e. the insured, spouse/cohabitant and the children of the household who are living at home under the age of 24.
• The emergency medical service is a supplement to the general practising doctor and offers quick access to email and video consultations with a private emergency service – also outside normal opening hours.
• The emergency medical service can answer questions about illness and symptoms that do not require a physical examination.
• The emergency medical service can prescribe and renew most prescriptions, provide guidance on over-the-counter medicines, and refer you to regional public hospitals.