• Gold benefit plan covers up to maximum sum insured per each treatment separately or 3 treatments combined during the insurance period
• The visit to physiotherapist or chiropractor or osteopath requires no doctor’s referral
• If more than 5 sessions are scheduled or anticipated, they need to be pre-approved by claims administrator

• Gold benefit plan covers up to maximum sum insured per each treatment separately or 2 treatments combined during insurance period
• The acupuncture or reflexology treatment requires no doctor’s referral
• If more than 5 sessions are scheduled or anticipated, they need to be pre-approved by claims administrator

• Gold benefit plan covers up to maximum sum insured per treatment during insurance period
• The treatment at psychologist requires doctor’s diagnosis and referral
• If more than 5 sessions are scheduled or anticipated, they need to be pre-approved by claims administrator

• Gold benefit plan covers medically justified treatment by an authorised clinical dietician up to maximum sum insured per treatment per insurance period
• If more than 5 sessions are scheduled or anticipated, they need to be pre-approved by claims administrator.

• Gold benefit plan covers up to up to maximum sum insured per insurance period with a relevant medical practitioner if you:

a) have a life-threatening or particularly serious disease or
b) are faced with the choice of receiving particularly risky treatment, which may be life-threatening or result in permanent

• Gold benefit plan covers emergency trauma counselling up to up to maximum sum insured per insurance period if you have experienced an acute psychological crisis due to one of the following:
  • 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.

   

• Gold benefit plan covers up to maximum sum insured per insurance period
• Teleconsultation requires no referral from your own doctor although we will refer you to your own doctor in cases where we consider that, for medical reasons, you should consult with a doctor
• For teleconsultation you can contact us on XXXX

• Gold benefit plan covers up to maximum sum insured the costs for hospital treatment related medical examinations and prescribed medicines
• Coverage includes medical examinations needed up to 15 days before and 30 days after hospitalization, along with the cost of self-paid prescription medicines needed for an operation
• All medical examinations and medicines must be prescribed by a specialist and are necessary for either the surgical procedure or the post-operative rehabilitation

• Silver benefit plan covers up to maximum sum insured for rehabilitation stay in Denmark as a direct connection with a coverable operation
• The stay must be prescribed in writing by the attending medical practitioner
• Rehabilitation must be described in treatment plan and pre-approved by claims administrator.

• Silver benefit plan covers up to maximum sum insured for temporary assistance like cleaning, shopping, personal hygiene and dressing/undressing in the home in direct connection with a coverable operation
• Home nursing must be prescribed by the attending medical practitioner and pre-approved by claims administrator

• Gold benefit plan covers up to maximum sum insured for transportation to and from the hospitalisation if as a result of our navigation process we refer you to private clinic or hospital in Denmark more than 25 km from your place of residence

• Gold benefit plan covers hospitalisation costs in private clinic or hospital more than 12 hours if you are diagnosed and referred by specialist during insurance period and your treatment has not started within 30 days in public hospital from the date of diagnosis

• Gold benefit plan covers ambulatory treatment in private clinic or hospital less than 12 hours or equal to 12 hours if you are diagnosed and referred by specialist during insurance period and your treatment has not started within 30 days in public hospital from the date of diagnosis