International health insurance for expats in Denmark and Sweden.
Living in the Nordics gives you access to good public healthcare. An international health insurance plan adds faster access to specialists, cover in your home country and worldwide, and help in a language you understand.
We compare plans from leading international insurers and help you choose the right cover, free of charge.
- Advice in English, Danish and Swedish
- Cigna Healthcare, Now Health and Allianz Care
- Cover in the Nordics, at home and worldwide
Why expats choose international health insurance
Public healthcare in Denmark and Sweden is available once you are registered as a resident. An international plan works alongside it and gives you more choice, speed and flexibility.
Faster access
- Shorter waiting times for specialists and treatment
- Access to private hospitals and clinics
- Second medical opinions from experts
Cover beyond the Nordics
- Use your cover in your home country
- Covered when you travel for work or leisure
- Keep your plan if you move again
Care in your language
- 24/7 multilingual helplines from the insurer
- Local advice in English from our team
- Help with claims and pre-approvals
Living in Denmark or Sweden
Both countries have strong public healthcare systems. Here is how an international plan can complement them.
Expats in Denmark
Once you are registered with a Danish personal registration number (CPR), you have access to the public healthcare system through your general practitioner. Waiting times for specialists and non-urgent treatment can be long, and services such as dental care and physiotherapy are only partly covered. An international plan gives you faster access and cover outside Denmark.
Expats in Sweden
Once you are registered as a resident with a Swedish personal identity number, you have access to regional public healthcare. Waiting times for specialists and planned treatment vary between regions. An international plan gives you more choice of doctors and hospitals, and cover when you travel or visit home.
Moving on?
Many expats do not stay in one country forever. With an international plan, your cover can follow you to your next posting, so you do not have to start over with a new insurer or a new health assessment.
We compare leading international insurers
Our advice is free. We are paid by the insurer, so you pay the same price as buying directly.
Cigna Healthcare
Cigna Global plans in three levels, Silver, Gold and Platinum, with optional modules for outpatient care, medical evacuation, wellbeing, and vision and dental.
Now Health
WorldCare and SimpleCare plans designed for people living abroad. We are Now Health’s official partner in the Nordics.
Allianz Care
International health plans for individuals and families with worldwide cover and 24/7 multilingual support.
We set the plans side by side, including the exclusions many people overlook, and recommend what fits your situation.
Already have an international plan?
If you already have a plan with Cigna Healthcare, Now Health or Allianz Care, you do not need to change insurer to get local help. Transfer your service agreement to us, and we will help you with claims, pre-approvals and renewals from then on.
Transferring your service agreement does not change your terms, your premium or your payment.
- No new health assessment
- No changes to your policy or premium
- Local claims support
Applies to plans with Cigna Healthcare, Now Health and Allianz Care.
Frequently asked questions
Do I need private health insurance if I have access to public healthcare?
It is not required, but many expats choose an international plan as a supplement. It gives faster access to specialists and private hospitals, and cover in your home country and when you travel.
Can my family be covered on the same plan?
Yes. Partners and children can usually be added to the same plan. We help you find the right set-up for your family.
Can I use the insurance in my home country?
Yes, international plans can include cover in your home country. The exact geographical cover depends on the plan and area of cover you choose.
What happens if I move to another country?
An international plan can usually follow you when you move. We help you adjust your cover to your new country of residence.
Does it cost more to buy through you?
No. Our advice is free, and the price is the same as buying directly from the insurer. We are paid by the insurer.
Let’s find the right plan for you
Mathias and Martin
Client Executive · CEO & Partner
Book a call, and we will go through where you live, what you need and what you have today, and compare the options for you.
Prefer to write? Email us at info@healthinsuranceinstantly.com or call +45 31 63 83 03.
We usually reply the same business day.