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 stress and 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.

• The insurance covers specialist-referred assessment for osteoporosis and offers guidance on ways to strengthen bones and prevent fractures, including nutrition for individuals with osteoporosis, physical activity, self-training, and medication. It can also provide a referral for an online osteoporosis test and discounts on memberships in relevant patient associations.

• 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 covered if conservative treatment can serve as an alternative to 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 transportation costs within Denmark between your home and the treatment facility for specialist medical care at a hospital or clinic, if we refer you to a treatment location more than 60 km from your residence.

• 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 specially targeted programs for diabetes, high blood pressure, cardiovascular disease, COPD, osteoporosis, multimorbidity (at least two diagnosed chronic conditions), or severe obesity. Guidance and personalized health plans are provided by an experienced clinical dietitian. Based on a professional assessment, the program may be combined with advice from a nurse, physiotherapist, and/or psychologist.

• The insurance covers non-emergency medical transport (lying-down transport) between your home and the treatment facility if you are unable to travel by car or use public transport.
• The insurance also covers transportation costs for a medical companion if we assess that your health condition requires an accompanying person.

• If you experience symptoms of dementia, the insurance covers early detection and monitoring via a health app. It also covers healthcare advice, navigation support, and a paid membership to a relevant patient association.

• The insurance covers chronic diseases that occur during the insurance period for up to 6 months from the time of diagnosis, if we assess that treatment can lead to significant and lasting improvement of the condition.
• Chronic musculoskeletal disorders that arise during the insurance period are covered with physiotherapy and chiropractic care after a waiting period of 6 months.

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