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 Senior 

Policyholder (60-69 years): 325 DKK monthly
3.895 DKK annually

Policyholder (70-74 years): 429 DKK monthly
5.141 DKK annually

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 and chiropractor

  • 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.

Treatment with a psychologist and psychotherapist

  • 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.

Hotline for well-being and senior counselling

  • 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. 

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 and treatment by a medical specialist

  • 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. 

Allergy diagnosis

  • 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.

Follow-up examinations

  • 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.

Rehabilitation after surgery

  • 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.

Home nursing and assistance

  • 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.

Assistive devices

  • The insurance covers expenses for personal assistive devices in connection with a covered surgery.

Second opinion

  • 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.

Treatment with a reflexologist, acupuncturist, osteopath and dietician

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 of chronic conditions diagnosed before the insurance came into force
  • Congenital disorders
  • Cosmetic problems
  • Chronic skin diseases
  • Preventive examination and treatment
  • Surgery for obesity
  • Sexually transmitted diseases, contraception and fertility treatment
  • Impaired vision and impaired hearing (cataracts diagnosed during the insurance period are covered for up to 6 months)
  • Cardiovascular disorders
  • Sleep problems
  • Treatment of phobias, eating disorders, ADHD, ADD and autism spectrum disorders
  • Treatment and assessment of dementia
  • Couples therapy
  • Expenses for GP
    Injuries as a result of professional sport
  • Damage following epidemics and pandemics
  • Consultations with a neuropsychologist.

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