Guide: Choose the right Health Insurance for you

We have created a quick guide to help you find the health insurance that suits you. Our goal is simple: to guarantee your health and provide security, regardless of your needs and where you are in life.


Health Insurance Flex

Policyholder: 158 DKK monthly
1.895 DKK annually

Children: 85 DKK* monthly
1.019 DKK annually

* Price per child between 0-24 years

The price is incl. 1,1 % statutory non-life insurance fee.
Additionally, 40 DKK per policy is charged on behalf of the Danish Guarantee Fund.

Product information IPID (PDF)   -   Terms and Conditions (PDF)

The insurance includes

SundhedsNavigator (Health Navigator) and health professional advice

  • 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.

Treatment by a physiotherapist, chiropractor and osteopath

  • The insurance covers the treatment of musculoskeletal disorders based on a medical assessment (there must be a medical need for treatment).
  •  Physiotherapy and chiropractic are covered for up to 12 treatments per calendar year.
  •  Osteopathy is covered for up to 5 treatments per calendar year.
  •  Physiotherapy and chiropractic treatment is covered in our quality-assured network or with a therapist of your choice. In relevant cases, physiotherapy in networks can take place online/digitally or with a combination of digital treatment and in-person attendance.
  • Osteopathy by a therapist of your choice is covered.

Treatment with a psychologist and psychotherapist

  • The insurance covers reasonable and necessary online/digital treatment of mental disorders requiring treatment by experienced psychologists and psychotherapists in our quality-assured network.
  • The necessary number of treatments is covered based on a professional assessment.

Hotline for stress and well-being

  • 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, cohabitation and divorce, as well as work-related wellness issues such as burnout, dismissal, bullying and conflicts. 

Trauma counselling

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. 

Examination/assessment by a medical specialist

  • The insurance covers GP-referred examinations/assessments performed by a medical specialist at a hospital or clinic in order to make a diagnosis, e.g. an MRI scan.
  • An examination/assessment is initiated within 10 working days in the public or private healthcare service. 

Second opinion by a doctor

  • If you have been previously examined and diagnosed, the insurance offers a review of records, referrals, and medical documents, as well as telephone counselling from our doctors and nurses. This also applies if two doctors disagree on your diagnosis or the form of treatment.

Online emergency medical service

  • 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.

What the insurance does not cover

For an overview of the full provisions and limitations, please refer to the insurance terms and conditions, which you can also find here on our website.

  • Acute treatment (except emergency trauma counselling)
  • Preventative and maintenance examination and treatment
  • Alternative and experimental treatment
  • Examination and treatment of cosmetic problems
  • All types of dental problems
  • Sleep problems
  • Impaired vision and impaired hearing
  • STDs, contraception and fertility
  • Psychological counselling for severe and enduring mental disorders and phobias
  • Assessment and treatment of ADHD, ADD and autism spectrum disorders
  • Couples therapy
  • Psychiatrist
  • Consultations with a neuropsychologist
  • Chronic conditions that occurred before the insurance came into effect
  • Treatment/operation by a medical specialist doctor or at a hospital
  • Cardiovascular disorders
  • Vaccinations and health examinations
  • Damage following epidemics and pandemics
  • Transport and travel expenses.

What our customers say

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