Do I need Health Insurance When Moving to Denmark?

Moving to Denmark as an expat or digital nomad comes with a myriad of considerations, one of which is healthcare. Denmark boasts an excellent public healthcare system that provides coverage to all residents. However, for newcomers seeking residency, it's important to understand the health insurance requirements during the transition period. Upon arrival, and before you are covered by the Danish public healthcare system, you may need to have private health insurance. The requirements for this insurance typically include a minimum coverage amount and a specific length of coverage. This ensures that you are adequately covered for any medical needs during the period before you obtain residency or are enrolled in the public healthcare system.

Does Expat Health Insurance Meet the Requirements?

Expat health insurance policies are designed to meet the needs of individuals living abroad temporarily or permanently. In Denmark, it is generally advisable for expats to have private health insurance upon arrival, which will cover them until they are eligible for the public healthcare system. The Danish authorities require that this insurance provides comprehensive coverage, including access to various medical services and sometimes repatriation. It's important to check that the expat health insurance policy you choose complies with Denmark's requirements. Typically, these policies are tailored to meet or exceed the minimum standards set by the country for incoming residents.

Which local health insurers offer this type of insurance?

In Denmark, there are several local health insurance companies that offer private health insurance suitable for expats and digital nomads. These insurers provide a range of plans that cater to different needs and budgets. Some of the well-known insurance companies include Tryg, Topdanmark, and Alm. Brand. These companies offer plans that are compatible with the requirements for newcomers, ensuring that you have the necessary coverage during your initial period in Denmark. It's advisable to compare different plans and consult with the insurers directly to find a policy that best suits your individual circumstances.

Advice from Expats in Denmark about Health Insurance

Expats living in Denmark often emphasize the importance of securing health insurance that provides seamless coverage during the transition to the public healthcare system. They recommend choosing a policy that offers comprehensive coverage, including general practitioner visits, specialist consultations, hospital stays, and emergency services. Additionally, it's important to ensure that the policy is valid for the entire duration of your stay until you are fully integrated into the Danish system. Expats also advise reading the fine print carefully to understand what is and isn't covered, and to be aware of any deductibles or co-pays that may apply. Lastly, consider the reputation and customer service of the insurance provider, as having reliable support can be invaluable in navigating a new healthcare system in a foreign country.