Health Insurance In Denmark - The Definitive Guide
State medical care in Denmark is free at the point of delivery, and is of a high standard. If you are an expat working in the country, you will be covered, but you will need to register and obtain a health insurance card. Your children will be treated for free up to the age of 15. The nation has a two-tier system, comprised of both public and private cover.
Click a link to go directly to a specific section:
State Health Insurance In Denmark
How does the Danish state health insurance system work?
Who is eligible for state healthcare?
How do you apply to join the Danish state health insurance system?
What is covered by the state health insurance system?
Are retirees covered by state medical insurance?
Are students covered by state medical insurance?
Will your family be covered by your insurance?
Is dental treatment covered by state health insurance?
What are the contribution rates for state health insurance?
Private Health Insurance In Denmark
State Health Insurance In Denmark
How does the Danish state health insurance system work?[back to top]
Denmark is divided into five organisational regions, co-ordinated by the central government. The regions run both the general practitioner system and the hospital system. Over 80% of the health system is funded from taxes and it is given a high percentage of GDP for an OECD country: over 10%.
Expats who are working in Denmark will make contributions into the national health insurance system via deductions from their salaries.
People living in Denmark are eligible for one of two kinds of health insurance. Most Danes fall into Group 1, which assigns clients a specific GP who will be paid via a combined capitation and fee-for-service model. Less than 1% of Danish residents opt for Group 2, in which you can choose your GP, but may have to make co-payments. If you are in Group 1 and you want to change your GP, you will have to pay in order to do so – about DKK 195.
You can also take out insurance with the state mutual insurance system “danmark” (Sygeforsikringen “danmark”), which covers glasses, dental treatment and some medicine.
If you are considering seeing a specialist, you will need a doctor’s referral first. You might also be entitled to an interpreter, although the standard of English spoken throughout Denmark is quite good.
You will usually have to pay part of your prescription – between 50-75%. Seeing a chiropractor or a psychologist may be subsidized, further to a referral from your doctor. Some alternative treatments are not covered under public health insurance.
Who is eligible for state healthcare?[back to top]
Everyone who pays into the system is eligible for state healthcare. If you are not registered and are from outside the EU, you will be able to access emergency care but will need private insurance to cover routine medical treatment.
How do you apply to join the Danish state health insurance system?[back to top]
You can register with your GP or with the civil registration office (Folkeregistret). Within a couple of weeks, you will be sent a health insurance card – your ‘yellow card’ (Sundhedskort). If you are in the Greater Copenhagen area, you will need to apply online.
Your yellow card will show your CPR number, and you will need to take it with you if you visit a doctor or a hospital. You will also use this card to take books out of the library, pay your taxes, and open a bank account: it is a general multi-purpose card. You are entitled to a yellow card if:
- you are staying in Denmark for longer than three months
- you have an EU residence document, if you are an EU citizen (Nordic citizens excepted)
- you hold a residence permit, if you are a non-EU citizen
- you have somewhere to live: your name must be on the mailbox, or you must give your landlord’s name, in order to receive your card
Your yellow card may take up to a month to arrive from the date of registration. Once you receive it, you are eligible for all the healthcare services enjoyed by Danish citizens.
You can also use your EHIC card, if you are a EU citizen, but you will need to sign up for health insurance in addition to this, as your EHIC is only supposed to be a temporary measure.
You may also be covered for some maternity care: Denmark covers ¾ of the cost of childcare.
If you are planning on visiting Greenland, which is an autonomous Danish territory, there is no private health insurance available but all treatment is free. Greenland took over healthcare from the Danish government in the early 1990s and it is more or less all publically funded, with the exception of some dental treatment and other outlying treatments, such as for drug addiction.
In the Faroe Islands, also a Danish territory, there is national health insurance and all treatment, with the exception of some elements like dentistry, is free. If you are working there, you are likely to have to pay into the national insurance scheme and it is deducted at source.
What is covered by the state health insurance system?[back to top]
The national insurance scheme covers:
- visits to your doctor
- hospital stays
- part of your medication
- some more alternative or complementary therapies
- some physiotherapy
- some psychiatric care
- some chiropractic care
Other procedures or treatments may require private health insurance.
Are retirees covered by state medical insurance?[back to top]
You will be covered by the national scheme if you are registered with the system. If you are British, you will be eligible if you have:
- an exportable UK State Pension
- a contribution-based Employment Support Allowance
- another exportable benefit
You will need to fill in an S1 form to demonstrate your eligibility.
Are students covered by state medical insurance?[back to top]
If you are an overseas student, you can apply for an ID number (known as your CPR or Civil Person Registration number) through International House in Copenhagen. This will enable you to register with the national scheme.
Will your family be covered by your insurance?[back to top]
Check with your employer that your family is covered under the national scheme. If they are from the EU, they will be eligible for national health insurance. They will need to be registered.
Your children will be treated for free if they are under 15.
Is dental treatment covered by state health insurance?[back to top]
Part of your dental treatment will be free, although usually you will be charged some costs. It is deducted at the time, not via a reimbursement system. You will be able to choose your own dentist, and if you have children under the age of 18, their dental treatment will be free.
What are the contribution rates for state health insurance?[back to top]
Both employers and employees must pay national insurance. The amount that will be deducted from your taxes will depend on your income and depends also on the territory. Taxes in Denmark, as with most of Scandinavia, are quite high. Your contribution is usually about 8% of your gross salary.
Private Health Insurance In Denmark
Why buy private health insurance?[back to top]
Expats may want to consider private cover as an international extension to any existing home country health insurance they might have, as there are reports of long waiting times for some forms of treatment. However, this is balanced by the fact that there are not a large number of private facilities in Denmark.
What is covered by private health insurance?[back to top]
Taking out private cover will speed up your access to treatment and also in some cases to diagnosis. As is often the case with private medical insurance, it will cover areas not currently covered under the state system, like some forms of alternative therapy.
How much does private health insurance in Denmark cost?[back to top]
This will depend on factors such as your age and any pre-existing conditions, and the kind of package you opt for. Note that you may be eligible for Group 2 insurance, which is a form of state health insurance and not technically private, but which will open up access to some of the system for you: it is a kind of halfway house. Also, check with your employer, as some companies will have group packages with private insurers which are available to employees.
For those seeking international private medical insurance (iPMI) cover for multiple countries including Denmark, numerous variables can have an impact on the cost.
The most important variables are:
- age (the higher the more expensive)
- area of cover (i.e. in addition to Denmark, which other areas is coverage required in? If those other areas include any of the US, the Caribbean, Singapore, China, Hong Kong or Dubai this can significantly increase the overall price)
- product choice (higher end insurance products are more expensive)
Other variables include:
- payment frequency
- country of residence
As so many variables have an effect on the cost of international private medical insurance in Denmark it becomes very difficult to give accurate estimates without knowing the full details of the coverage required. However, as a very rough guide, using a standard profile of a 40 year old British male with no deductibles, no co-insurance, a middle tier plan/product, all modules included and worldwide coverage excluding the US, a ballpark price of around £4,000/$5,000 might be expected. Were coverage to be expanded to include the US then the premium could increase to almost double that amount.
Which companies offer private health insurance?[back to top]
The big international providers operate in Denmark, including:
- Bupa Global
- Cigna Global
- Pacific Prime
Always request quotes for health insurance from as many companies as possible before choosing a provider.
Glossary Of Danish Health Insurance Terms[back to top]
Jeg har brug for offentlig sundhedsforsikring - I need public health insurance cover
Jeg har et EHIC-kort - I have an EHIC card
Jeg har privat sundhedsforsikring - I have private health insurance
Sundhedskort - yellow card
Sygeforsikringen “danmark” - state mutual insurance system “danmark”
Expat Health Insurance Partners
Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.