Health insurance Senior

• Our health team, consisting of experienced doctors, nurses, physiotherapists, psychotherapists, and other healthcare professionals, has many years of experience across various specialties and offers professional guidance on health and illness. Telephone consultations with nurses, physiotherapists, and doctors are available for all health and wellness concerns—including those that do not require actual treatment or are not covered by insurance.

   

• The health team’s advisory lines provide access to guidance on topics such as health and wellness, pregnancy, wellbeing issues, stress and stress prevention, substance abuse problems, pain management, concussions, menopause symptoms, nutrition, lifestyle changes, leadership challenges, as well as advice on services for cancer patients, support groups, mental exercise inspiration, nutritional guidance, and training.

   

• Our experienced nurses and physiotherapists can also advise on rapid relief for newly arisen pain, assessment of treatment needs, guidance on exercises for pain management, care calls, advice on physical activity and sedentary time for children, adults, the elderly, and pregnant individuals, and how physical activity can alleviate many symptoms. They also provide access to materials, exercise guidance, training videos, and an evidence-based training app.

   

• The health team has extensive knowledge of both the public and private healthcare systems.

   

• Through our unique Health Navigator and coordination concept, we offer assistance and guidance related to your treatment, as well as advice on the public healthcare system’s treatment offerings—such as patient rights, complaint procedures, compensation, waiting times, free choice of hospital, and diagnostic and treatment guarantees.

   

• We are also happy to help review medical records from hospitals and doctors.

   

• The health team provides support during and after a cancer diagnosis in the form of telephone guidance, follow-up, and support—including advice on symptoms and possible treatments for physical late effects following cancer treatment.

• The insurance covers treatment with physiotherapy, chiropractic care, and osteopathy based on a healthcare assessment (there must be a medical need for treatment).
• Physiotherapy and chiropractic care are covered for up to 10 treatments per calendar year. Of these 10 treatments, a maximum of 5 may be osteopathy – even in the case of multiple injuries.
• Treatment by a physiotherapist or chiropractor is covered either within our quality-assured network or with a practitioner of your own choice. For osteopathy, you choose your own practitioner.
• Physiotherapy within our network may be provided in person, digitally, or as a combination of digital treatment and in-person sessions (blended care).
• Chiropractic care within our network may be provided in person or as a combination of digital treatment and in-person sessions (blended care).
• GLA:D training programs are covered for diagnosed osteoarthritis of the hip or knee, or for long-term or recurring back pain.
• Chronic musculoskeletal conditions that arise during the insurance period are covered with physiotherapy and chiropractic care after a waiting period of 6 months.

• 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.

• Live webinars with psychologists and psychotherapists on managing stress and life challenges, as well as the option of personal sessions with an experienced mentor.

• 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 doctor-referred consultations with a psychiatrist in connection with depression, stress, anxiety, and adjustment disorder. The treatment is covered within our quality-assured network or with a practitioner of your own choice.

The insurance covers emergency trauma counselling 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 – or an event of a similar nature, regardless of whether it involves a colleague, a family member, or another person.

• 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 asthma and allergy assessment.

• 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 rehabilitation with a physiotherapist or chiropractor following a covered musculoskeletal surgery.
• Rehabilitation is also covered for non-surgical, eligible conditions, such as osteoarthritis in the knees and hips, or herniated discs in the back, lower back, or neck without surgery. Conservative treatment is covered, including group training if it is part of the rehabilitation plan.
• Rehabilitation is covered either within our quality-assured network or with a practitioner of your choice.
• The necessary number of treatments is covered based on a professional assessment, but for a maximum of 6 months per illness/injury, starting from the first day of treatment.
• Rehabilitation must be prescribed by a relevant specialist doctor.

• 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 illnesses), or severe obesity.

   

• The insurance covers a personal health program for severe and long-lasting symptoms during cancer or for severe and long-lasting aftereffects following cancer. The program provides access to an individually tailored course regarding symptom management, side effects, daily life and social life, nutrition, exercise, and tools for coping with life during and after cancer.

   

• The programs provide access to digital health coaching, guidance, and tailored health plans from an experienced clinical dietitian. Based on a professional assessment, the courses may be combined with personal digital counselling 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.