Health insurance Senior

• The insurance offers consultation with a nurse, physiotherapist or doctor by telephone for all health problems, including those that do not require actual treatment or which are not covered by the insurance.
• The healthcare team's counselling lines ensure you have access to advice on health and wellness, well-being issues, stress and stress prevention, substance abuse issues, pain and courses of treatment.
• 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 insurance covers physiotherapy and chiropractic treatment based on a medical assessment (there must be a medical need for treatment).
• Physiotherapy and chiropractic treatment are covered for up to 10 treatments per calendar year.
• The treatment is covered in our quality-assured network or with a therapist of your choice.
• GLA:D training programmes are covered for diagnosed osteoarthritis of the hip or knee or for long-term or recurring back pain.
• Chronic musculoskeletal disorders occurring during the insurance period are covered with physiotherapy and chiropractic care after a 6-month waiting period.

• The insurance covers GP-referred treatment of depression, stress, anxiety, adaptation disorder and stress disorder with a psychologist or psychotherapist in our quality-assured network.
• In relevant cases, treatment in can take place online/digitally or by phone.
• The necessary number of treatments is covered based on a professional assessment.

• The insurance offers personalised counselling and support for 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 on private well-being issues such as working life as a senior, personal crises, senior life, retirement, children, cohabitation, divorce, lifestyle, health, illness and addiction.

• The insurance covers GP-referred consultations with a psychiatrist for depression, stress, anxiety, adaptation disorders and stress disorders.
• Treatment with a psychiatrist in our quality-assured network or with a psychiatrist of your choice is covered.

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 15 working days in the public or private healthcare service.

• The insurance covers an examination for allergy.

• In relevant cases, the insurance covers examinations for osteoporosis prescribed by a specialist as well as a possible injection with a biological drug.

• 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.
• 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.
• Chronic musculoskeletal disorders occurring during the insurance period are covered with physiotherapy and chiropractic care after a 6-month waiting period.

• 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.

• 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 75 km from your place of residence.

• The insurance 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.