Make a claim

How do I use my health insurance?

You need to report your claim to our health team before we can process the case.

You can do this by filling out an online report through your User Portal.

The reported cases are handled promptly, and in most cases, on a day-to-day basis.

If your inquiry pertains to an existing case, you can contact the Health Team via the User Portal. We aim to respond to your inquiry within 2 days, and in most cases, we also respond on the same day.

You have the option to reach us by phone during the hours of 8-17 on weekdays and 9-12 on weekends.

Do I need a referral from my doctor?

For most treatments covered by your Health Insurance, a doctor's referral is required. Therefore, we always recommend that you begin by contacting your own doctor before reporting your claim. Your doctor can examine you and refer you to the appropriate treatment.

After obtaining the referral, you can download it from and upload it directly to your case.

If you need guidance on this - click here.

Can Danish Health Insurance retrieve my doctor's referral?

We do not have the ability to access your doctor's referral, which is why we need you to send the referral to us. You can retrieve your referral on

You can use this direct link for quick and easy access:

Referral on

Make sure to have your MitID ready:

Log in
Find the relevant referral
Print to PDF
Upload the PDF to your ongoing claim report on your User Portal.
If you need further guidance on this - click here.

Where can I find my coverage and insurance terms?

You can find a description of your insurance coverage by logging into your User Portal. The comprehensive insurance terms can be found here. If you have any questions regarding your insurance, you can contact the Health Team at 70206121.

Why do I need to give consent?

We require your consent to obtain and disclose information about your claim. Your consent is valid for one year from the date you provide it. If you change your mind, you can always choose to withdraw your consent on your User Portal.

We never disclose your sensitive personal information to unauthorized third parties.

If you need to provide consent or authorization to a third party, please contact the Health Team at 70206121, and we will send you the relevant documentation to fill out on the User Portal."

Authorization for Third Party

If you need to give consent or authorization to a third party, please contact the Health Team by phone at 70206121. We will then send you the relevant documentation.

How long does it take to receive a response to my case?

Once we have received your consent, your claim , and the required documents, it takes 1-2 business days before you hear from us. In some cases, we may need to contact you for clarification before we can finalize the case.

If the claim is approved by the insurance, you will receive a payment guarantee on your User Portal, or you will be contacted regarding coverage in our quality-assured network.

If the insurance does not cover the case, we will contact you in writing or by phone with the reasons for our denial. We are always happy to assist with public navigation, medical advice, etc., for cases not covered by insurance.

Can I start treatment before receiving a response to my case?

Insurance only covers expenses for treatment and examinations that have been pre-approved by Dansk Sundhedssikring. Therefore, you can only begin treatment once your treatments has been approved.

You can fill out your claim via your User Portal.

Your inquiry will be processed promptly, and in most cases, on a day-to-day basis.

I want to file a complaint, how do I do that?

If you disagree or are dissatisfied with our decision, you should contact the department that handled the case. If you remain dissatisfied with our decision, you can submit your complaint using the complaint form.

Once we have received your complaint, we will investigate the matter, and you will be contacted as soon as possible by the responsible employee handling the complaint.