Our plans and options

The annual benefit limit per beneficiary per period of cover. 

International Medical Insurance is your essential cover for inpatient, daypatient and accommodation costs, as well as cover for cancer, mental health care and much more.

Inpatient and daypatient treatment. Accommodation, emergency dental treatment, prescribed medicines and more. 

Covers necessary treatment from an emergency, accident, sudden illness and/or life-threatening situation. 

Limit of 30 inpatient stays per period of cover. Amount is per day.

Covers treatment and medicine that are directly associated with organ transplants. Harvest of the organ or bone marrow, any necessary tissue test, the donor's hospital costs and any cost associated with complications within 30 days after the procedure

Rehabilitation treatments including physiotherapy, occupational, cardiac, pulmonary, cognitive and speech therapies.

MRI, CT and PET scans

Beneficiaries under the age of 18 can bring a parent or guardian if they have to stay at the hospital overnight.

Provided in the beneficiary's home by a qualified and registered nurse. Includes medical care that would otherwise be provided by a hospital.

Practised by a qualified doctor, with the relevant license in the region where the treatment is received. 

Includes home care, inpatient and daypatient hospital or hospice care and accommodation, prescribed medicines, and physical and psychological care.

Internal and external prosthetic devices, necessary to the beneficiary's treatment. 

Transportation from the place of accident to a hospital, from a hospital to another hospital, or from a home to a hospital. 

Available when the beneficiary has been covered for 24 consecutive months.

Treatment of congenital conditions, that have manifested before a 18th birthday.

Only applies for beneficiaries with Worldwide excluding USA coverage. Only inpatient and daypatient.

Covers inpatient, daypatient and outpatient treatment practised by a psychologist and/or psychiatrist. 

Covers medical cost, including doctor and pediatrician visits related to autism and ADHD on an outpatient basis only. 

Diagnostic testing and behavioural treatment.

Cover of preventative cancer surgery. 
The genetic test is covered under Gold and Platinum outpatient cover. 

After diagnosis, we will pay for active and evidence-based treatment.

Takes effect when the mother has been covered for 12 months or more.

We will pay for any fees to hospitals, obstetricians and midwives regarding routine births, and any post-natal care required.

Takes effect when the mother has been covered for 12 months. 

Inpatient or outpatient treatment relating to complications of regular childbirth. 

Does not include homebirths.

Takes effect when the mother has been covered for 12 months or more.

We pay for midwives' and specialist's fees relating to routine home births. 

Takes effect when the mother has been covered for 12 months or more.

Up to 10 days routine care of the newborn following birth and all treatment during the first 90 days. 

Behandling for medfødte lidelser for en nyfødt er dækket under "medfødte forhold" og er underlagt betingelserne. 

The annual benefit limit per beneficiary per period of cover for International Outpatient treatment.

Covers consultations or meetings with a medical professional for diagnostics, arrange or receive treatment.

Covered if prescribed by a medical practitioner on an outpatient basis.

E.g. ultrasound and x-rays.

Covers: Physiotherapy, Occupational therapy, Osteotherapy and Chiropractic treatment, Speech therapy, and Cardiac and pulmonary rehabilitation.

Takes effect when the mother has been covered for 12 months or more.

E.g. Fees for routine use of obstetrician and midviwe, planned ultrasounds and examinations, prescribed medicine and dressings, blood tests and other fees of post-natal care.

Takes effect when the beneficiary has been covered for 24 months or more. Covers a maximum of 4 attempts. Available till the beneficiary is up to 41 years old.

Covers hire of CPAP machine, or if necessary other equipment. 

Covers operation if medically necessary.

Takes effect when the beneficiary has been covered for 12 months or more.

A limit of 15 consultations per period of coverage or up to the limit shown.

Covers all of your necessary durable medical equipment. e.g. wheelchair, crutches or other non-disposable equipment. 

Covers your fees for vaccinations and immunisations that are clinically appropriate.

Outpatient dental treatment caused by an accident.

For a comprehensive dental cover, you may need our Dental & Vision option.

Covers evaluation of medical history, physical examinations, development assessment, and appropriate vaccinations and laboratory tests. 

Notice: Mental health consultations with a psychiatrist or psychologist are covered by the Mental Health & behavioural care benefit under the main plan. 

Further, you can get one health check per period for growth, hearing and vision in connection with the first school date and screening for diabetic retinopathy for children with diabetes.

If you as the beneficiary is 60 years old or above or turning 60 within the period of cover, and if you have had one of the following conditions is declared on the medical questionnaire (and especially excluded on your policy), the insurance covers outpatient treatment regarding the maintenance of the condition: Hypertension, Glaucoma, Type 2 diabetes, joint or back pain, arthritis, or osteoporosis/osteopenia.

Available 24/7/365 to call and get free and confidential counselling regarding any subject like work, life, personal or family matter. 

Read more about the programme in the customer guide.

Routine physical examinations including, but are not limited to height, weight, blood pressure, lung function, urinalysis and more.

Covers
- Papamicolaou test (pap smear)
- 1 HPV DNA test for female beneficiaries at the age 30-65

Covers:
- 1 prostate examination (PSA test) for men i the age of 50 years old or above
- 1 prostate examination (PSA test) for asymptomatic men in the age of 40 years old or above

Covers
- 1 screening mammogram for women age 25-39 years old, when medically necessary, if they have a prior history of breast cancer
- 1 screening mammogram for asymptomatic women age 40 years or above

Covers
- 1 bowel cancer screening for beneficiaries 50 years or above

Covers
- 1 scan for women age 65 years or above
- 1 scan for post-menopausal women younger than 65 years when medically necessay
- 1 scan for men age 50 years or above when medically necessary

Up to four (4) consultations per period over cover if you require dietary advice regarding a diagnosed disease or illness e.g. diabetes

Get 1 eye test per period of cover

Get your expenses covered when buying spectacle frames and lenses, contact lenses, and prescription sunglasses. Up to your plan's annual limit.

The annual benefit limit per beneficiary period.

Takes effect when the beneficiary has been covered by this option for 3 months.

Pays in full for:
- 2 dental checkups per period of cover
- X-rays, including necessary equipment like bitewing, single view, and orthopantomogram (OPG)
- Scaling and polishing incl. topical fluoride application
- 1 mouth guard
- 1 night guard
- Fissure sealant 

Takes effect when the beneficiary has been covered for 3 months.

The insurance covers the following, per recommendation of a dentist: Root canal treatment, extractions, surgical procedures, occasional treatment, anaesthetics, and periodontal treatment. 

Takes effect when the beneficiary has been covered for 12 months.

If you need major restorative treatment before you have been covered for 12 months, we will refund 50% of the treatment cost.

The insurance covers the following: dentures, crowns, inlays, and placement of dental implants.

Takes effect for beneficiaries age 18 or younger, when they have been covered for 18 months. 
Treatment has to be approved in advance.

The annual benefit limit per beneficiary

Get transferred to the nearest hospital where the necessary treatment is available, if not available locally in an emergency. Can be in or out of the current country. Get transferred back again within 14 days of received treatment.

Covers if medical repatriation is needed, according to a serious illness or after a traumatic event or surgery. 

Return to country of residence or nationality.

Return back to the place the treated got transported from within 14 days.

In case of death outside of the usual country of residence, we will pay for the return of mortal remains to the country of residence or nationality as soon as possible, subject to requirements and restrictions.

If in need of an accompanying person, e.g. parent, child, sibling or partner, we will pay for their travel costs.

Each beneficiary has a limit of five (5) visits over the lifetime of the cover. 

Covers up to the total limit shown (per day) for each visit with a maximum of 10 days per visit.

Provided by global crisis response experts FocusPoint International, which is available for travellers with 24 hours available, multilingual assistance centres in more than 100 countries.

E.g. response teams for pandemics, natural disasters, violent crimes, disappearance of persons, wrongfully detentions and more.