Health insurance for yourself

Waiting lists or huge medical bills are probably the last things you want to worry about if you become ill or have an accident. With Danica Health Insurance, you can focus on getting well.

The product will give you fast access to both private hospitals and other healthcare providers, covering a range of your expenses from your first consultation to follow-up examination and rehabilitation.​

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Danica Health Insurance can be taken out by all Danish residents aged 18 to 60 years. You are required to have full earning capacity and must not have applied for public anticipatory pension nor participated in a flexible working arrangement. The insurance only covers expenses for treatment approved by us.

The price of a personal Danica Health Insurance policy depends on a wide range of factors, including

  • your age
  • the number of modules selected

Payment for treatment
If you are treated by a chiropractor, physiotherapist, zone therapist or psychologist, you have to pay upfront for your treatments. When you receive a letter from us confirming that your treatment is covered, you can see how your expenses will be reimbursed.

Here you can see the amounts we cover.
“Patient’s share” is the maximum amount you will be reimbursed through your insurance policy.


Treatment Patient's share
First consultation DKK 259,14
Standard treatment  DKK 164,77
Follow-up training therapy DKK 54,92 
First consultation  DKK 341
First consultation and additional service DKK 452
Follow-up consultation DKK 183
X-ray examination  DKK 397

In case of acupuncture and zone therapy, your maximum reimbursement is DKK 350 per treatment.

Health insurance for your children and your partner’s children
The child health insurance covers your children from the ages of two to 21 years – both your biological and adopted children and the biological and adopted children of your partner or cohabitant who are living with you as the policyholder.

However, it is a requirement that you and your cohabitant have been living together in a conjugal relationship for the past two years before the illness or consequences of the accident were diagnosed.

The insurance provides cover for treatments only after the first three months of the period of insurance. However, the insurance covers any treatment received by the child after the first three months of the period of insurance – even if the child becomes ill during the first three months.

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