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Denmark - Health Service
There are numerous public hospitals in Denmark, so expats will easily find a suitable institution in this country. Medical care is free to all Danish citizens, but certain treatments may incur additional fees. EU citizens are also entitled to free healthcare as long as they can produce a valid European Health Insurance Card. Expats who come from non-EU countries can receive free emergency healthcare in Denmark, but they need to get international health insurance for routine medical care.
When expats become permanent residents in Denmark and have registered with Citizens’ Services, they will receive an identification number and health insurance card, which will give them full access to universal healthcare. All expats who have a health insurance card have to choose a general practitioner before receiving any medical treatment.
Because of the high standard of public healthcare, there are not many private healthcare facilities in Denmark. However, the popularity of private care has increased in recent years, so some new clinics are slowly starting to open. Another reason for the growth of private hospitals and care is the increasing number of employers who offer private health insurance. This means that employees can easily use private healthcare facilities and avoid the waiting periods which are common in the public healthcare system. Expats should talk to their employers to find more about the health insurance policy options available.
All across Denmark it's easy to find pharmacies, some of which are open 24 hours a day. This country's regulations towards medicines are very strict, so expats may need a prescription for certain medicines which they might be able to get over the counter at home. Presricption drugs are not expensive for Danish and EU citizens, because they are subsidised by the Danish governement.
Expats who move to Denmark should get international health insurance to cover them until they become permanent residents in the country. Once expats have been in Denmark for more than three months, they can apply for permanent residency. All expats should also register with the National Register in their municipality to acquire a CPR number and health insurance card. This card must be acquired in case of receiving any sort of medical care in Denmark.
The general emergency number in Denmark is 112. This service also has operators who speak English, so expats can call an ambulance even if they don't speak Danish. Emergency treatment is free to all in Denmark, regardless of their nationality or current resident status.
Healthcare for students
The Danish healthcare system offers equal access for all residents. Those who are international students and residents in Denmark can access to free medical treatments with some exceptions, such as dental care and physiotherapy.
Coverage without registering with the Danish Civil Registration System
Students from outside the EU/EEA
According to the Danish Health Act, all non-residents who are staying in Denmark are entitled to emergency hospital care free of charge "in the event of an accident, childbirth, acute illness or sudden aggravation of a chronic disease". All other healthcare services must be paid for by themselves or their insurance.
Note: The Danish public healthcare system does not cover transportation of patients back to their home country in the event of illness.
Students from the EU/EEA or Switzerland
Those who are EU/EEA citizens or Swiss nationals planning to stay in Denmark for less than 3 months, who are covered by a statutory health insurance service in another EU country, can use their European Health Insurance Card (EHIC) to access any health service needed during their stay in Denmark. These people enjoy the same healthcare services that are offered to residents in Denmark. The fee for these services is forwarded to the statutory health insurance service which issued the EHIC.
Note: Students from Nordic countries don't need to show any of these documents, while students from the UK need only their UK passport as a proof.
Coverage when registered with the Danish Civil Registration System
Students from outside the EU/EEA
Those who are non-EU/EEA citizens planning to stay in Denmark for more than 3 months must obtain a Danish residence permit and register with the Civil Registration System. After that, they are entitled to free medical treatment in Denmark.
Students from the EU/EEA or Switzerland
Those who are EU/EEA citizens or Swiss nationals planning to stay in Denmark for more than 3 months, and covered by the statutory health insurance service in their home country, can enjoy full access to the Danish national healthcare system once they have registered with the Civil Registration System. In order to register they must present an E106 form, a S1 Portable Document, or a valid EHIC card issued by their statutory health insurance.
How to register
When registering with the Civil Registration System applicants must choose whether they want to be insured in Group 1 or Group 2. Care offered by General practitioners (GPs) and specialists in Group 1 is free of charge. It means that the applicants will need to choose a GP who will refer them to a specialist when necessary.
Those who choose to be insured in Group 2 will not be assigned a specific GP but will enjoy access to any GP or specialist on request. However, only a part of the costs for treatment in Group 2 is reimbursed. Roughly 98% of Danish residents are insured in Group 1.
The Danish National Health Insurance Card
Upon registering with the Civil Registration System, applicants receive a national health insurance card, called "Sygesikringskort". This card serves as proof that they are entitled to all public healthcare services in Denmark. It must be presented at all visits to doctors, hospitals and at pharmacists when collecting prescription drugs. This card states the personal name, address and the Civil Personal Registration number, along with the name of the doctor. It also provides healthcare coverage for up to 30 days on trips within the EU/EEA and Switzerland.
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Expat Health Insurance Partners
Our award-winning expatriate business provides health benefits to more than 650,000 members worldwide. In addition, we have helped develop world-class health systems for governments, corporations and providers around the world. We want to be the global leader in delivering world-class health solutions, making quality health care more accessible and empowering people to live healthier lives.
At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.
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.