Denmark's prefered health insurance

With our health insurance, you are well covered. Over 90 health care professionals are ready to give you professional help and advice. We make sure that you will easily get treatment in the public and private health care system. We assist you with all types of health problems through advice, prevention and treatment.

Health insuranceStandard

The health insurance is tailored from a health professional perspective to fit your needs.

Here you can read more about how we will help you in case of illness and injuries.

  • Physiotherapist, chiropractor or psychologist
  • Examination and treatment by a medical specialist in a clinic or hospital
  • Trauma counselling
  • Medical advice and HealthNavigator
  • Home nursing, home assistance and medical aids
  • Second opinion

The insurance covers

Treatment with a physiotherapist, chiropractor or psychologist

The insurance covers reasonable and necessary treatment based on a medical assessment (there must be a medical need for the treatment). Preventive treatment is not covered and, it is a prerequisite for continued cover that the treatment ensures a significant and lasting improvement of the condition.

Treatment is covered in our national quality- assured network or with a therapist of choice. Treatment is covered in Denmark, Norway and Sweden corresponding to the Danish amount rates. Any additional benefits will have to be paid by the insured. Treatment by a physiotherapist requires a referral by a medical doctor. Treatment by a chiropractor does not require a referral by a medical doctor but will be covered on basis of a medical evaluation.

Treatment by a psychologist is covered for disorders that require treatment and should always be medically justified. In some cases, we will therefore ask for a medical referral. Regarding work-related stress disorders that require treatment, we may refer you to a therapist in our network directly or to a therapist of choice, based on our professional evaluation of the situation.  When there is a referral by a medical doctor to a psychologist that has an agreement with the public health care system, the insurance covers the patients share. When the insured receives treatment from a psychologist that does not have an agreement with the public health care system, the insurance covers the therapists´ fee, however to a maximum of DKK 1000 per treatment.

Regarding treatment with a physiotherapist, chiropractor or psychologist in our quality assured network, there is no limitation regarding cost and as many treatments, as the professional evaluation assess necessary, are covered.

The insurance covers emergency trauma counselling if you have experienced trauma due to one of the following:

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

You are guaranteed that examination and/or treatment with a medical doctor will be started within 10 weekdays from the day that we have received your claim, in either the public or private health care system. You will always need a referral.

Ultra-sound scanning, X-ray examination and MR-scanning also require a referral.

The insurance covers cancer examination and treatment if it is diagnosed within the insurance period. In cases where the cancer diagnosis is one where the public health care system offers a treatment package, this public offer should always be activated and used. The medical team will give advice regarding the treatment process and, the insurance will cover in those events, where we think that there is an unnecessary waiting time in the public treatment plan or where the intention with the treatment plan is not met.

The insurance covers necessary and reasonable outpatient follow-up examination after surgery covered by the insurance for up to 6 months from the date of the surgery. The examination must be prescribed by the relevant medical doctor and approved by us.

The insurance covers outpatient medical rehabilitation performed by a physiotherapist and/or chiropractor in direct connection to a coverable procedure in the musculoskeletal system. The musculoskeletal system means tendons, muscles and joints of the back, shoulders, neck, knees, elbows, hip and wrists. The rehabilitation must be prescribed by the attending medical doctor. Rehabilitation is covered in our quality assured network or by a provider of own choice.  

The insurance covers necessary and reasonable expenses for temporary home assistance in a direct connection with an operation covered by the insurance in the public or private health care. The temporary home assistance or home nursing must be prescribed by the attending medical doctor and is covered for a maximum of 6 months after discharge date from the hospital.

The insurance covers expenses for personal temporary aids, which we consider necessary and reasonable in connection with a procedure or treatment for a maximum of 6 months after the discharge date from the hospital. The aid must be prescribed by the attending medical doctor.

Second/third opinion

In certain cases, the insurance covers consultation with a relevant impartial medical doctor 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 medical team offers advice on for example alcohol and drug abuse and can advise you on different public offers of treatment.


  • Treatment by a medical specialist without a referral from your general practising doctor
  • Cosmetic treatments
  • Dental treatment/dental disorders
  • Alternative and experimental treatment
  • Vaccinations and health checkups
  • Emergency treatment (with the exception of trauma counselling)
  • Chronic disorders, that has occurred or been diagnosed before the start of the insurance period
  • Glasses, eye contacts, hearing aids, tests of hearing and vision
  • Preventative and maintaining treatments
  • Venereal diseases, prevention and treatments for infertility

Optional covers

Option A: Acupuncture, reflexology, osteopathy and dietitian

The optional cover will cover up to 10 yearly treatments with acupuncture, reflexology, osteopath or dietitian. Acupuncture, reflexology and osteopathy are covered for illnesses in the musculoskeletal system. A doctor’s referral is not required, and the Health Team can recommend treatment directly upon making a medical evaluation. You can decide for yourself, which provider you want to use.


Option B: Physiotherapy without doctors’ referral

With this added cover you do not need a doctor’s referral in order to get physiotherapy. The medical team can based on a medical evaluation, direct you to treatment. Treatment within our nation-wide provider network, or with a provider of your choice, is covered.

Option C: Addiction treatment

The addition will cover reasonable expenses for treatment, based on a doctor´s referral, of addiction and abuse of:

  • Alcohol
  • Prescription medicine
  • Narcotics (drugs that are covered in the Law of Narcotics Drugs Act)
  • Diagnosed ludomania (addition to gambling)

Option D: Health Scheme

The Health Scheme covers counselling over the phone and physical treatments in the musculoskeletal system; physiotherapy, chiropractor, zone therapy, massage, trauma counselling, counselling over the phone with experienced psychologists about for example abuse, wellbeing, stress, firing, bullying etc. In addition, anonymous treatment of addiction.

Option E: Private hospital cover

You are guaranteed that examination and/or treatment with a medical doctor will be started within 10 weekdays from the day that we have received your claim, in either the public or private health care system. With this optional cover, you have the possibility to choose that the treatment is performed in a private care facility within our quality- assured network.

Option F: Treatment of chronic disorders

The option covers the treatment of diagnosed osteoarthritis or other chronical diseases in the musculoskeletal system with up to 12 treatments by a physiotherapist, chiropractor or physiological massage per calendar year, a maximum of 4 may be a physiological massage. The option covers psychological counselling via telephone for lasting psychological disorders, within our qualityassured network. The option covers treatments by a podiatrist with referral from a doctor. Up to 6 treatments per calendar year are covered.

Option G: Online emergency medical service

The online emergency medical service is a supplement to your general practising doctor. You receive a quick and easy access to e-mail and video consultations with a trained medical specialist in general medicine. The medical doctor will be able to answer questions regarding you and your closest family as well as issue and renew prescriptions. DSS will not be informed of what you have spoken with the medical doctor about.


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