COVERS - HEALTH INSURANCE (NOT EXHAUSTIVE LIST)
Treatment assistance 24/7 access to If. Counseling and Treatment guarantee: The health insurance covers reasonable and necessary medical expenses if you get ill or an injury caused by an accident. Should you need to make use of the insurance you can contact If for advice and pre-approval. If will make arrangements for medical treatment or examination within 3 weeks. In case the treatment guarantee is not kept, DKK 500 will be paid for each initiated week as compensation for the delay. Operation and hospital stays In case of operation or other medical treatments at a hospital, the health insurance covers reasonable and necessary medical expenses within the overall insurance sum. Post treatment, help at home and recreation The health insurance covers reasonable and necessary expenses in connection with preapproved operation or hospitalization up to DKK 25,000 for each injury such as: Ambulant post treatment Help at home Rehabilitation Medical recreation Home nurse All the above mentioned aspects have to be pre-approved by the attending physician and If. Medical Aides The health insurance covers reasonable and necessary expenses in connection with temporary rental of medical aides for up to DKK 25,000 for each injury prescribed by the attending physician and If. Medical escort If you are offered extensive medical treatment outside of the Nordic countries the health insurance will cover reasonable and necessary expenses, so that one medically educated person can accompany you during the trip and during the first days of the stay. Travel expenses and accompanied travel: If you for any medical reason are not capable of transporting yourself, and in agreement with attending physician and If, the health insurance will cover reasonable and necessary extra expenses for transportation between the patient’s residence and treatment place. Accompanied travel When treated outside of Denmark the health insurance covers reasonable and necessary expenses, so that a close adult, relative or friend, can escort the patient. The transportation and accommodation is covered up to DKK 50,000 for each injury. If the patient is less than 21 years the cover also applies in Denmark if the distance between residence and treatment place exceeds 150 km.
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COVERS - HEALTH INSURANCE (NOT EXHAUSTIVE LIST)
Urgent need of crisis counseling: In case of urgent crisis counseling, the health insurance covers up to a maximum of 5 treatments with a psychologist or psychiatrist, if you are the victim of or at the same time witness to a life threatening incident. Urgent crisis counseling is also offered to your closest relatives, if you are suffering from a severe physical handicap caused by a life threatening incident or if the incident causes death. Consultation and treatment by a specialist and second opinion: The health insurance will cover reasonable and necessary expenses for consultation, examination, diagnostic test and treatment by a specialist. Furthermore, should you be diagnosed with a life threatening illness or life threatening injury, the health insurance will cover reasonable and necessary expenses for one second opinion. Prescription medication: After a hospitalization or an operation the health insurance, will cover the expenses for prescription medication for up to 6 month related to the admission/operation. Prescription medication will be covered by DKK 10,000 for each injury. Economical compensation after undergoing a large operation: In case you undergo a large operation, as a consequence of an already pre-approved illness or injury, you will receive an economical compensation of DKK 10,000 as a lump sum payment. Following aspects must be fulfilled:  The operation has to be done under full anesthesia  Minimum 5 days cohesive admission and following 3 month sick leave prescribed by the doctor. Physiotherapy and chiropractic treatment: The health insurance covers reasonable and necessary expenses performed by a physiotherapist or chiropractor. Psychological counseling: The health insurance covers reasonable and necessary expenses for psychological counseling with a psychologist or psychiatrist. Acupuncture, reflexology, osteopath and dietitian: The insurance covers expenses up to 8 treatments at acupuncturist, reflexologist or osteopath for each policy year in connection with an insurance valid illness or injury. Dietitian The health insurance covers expenses up to 5 consultations at a dietitian during the entire policy period if the BMI is below 18,5 or above 35. Help to the incurable ill and dying: If you get an incurable disease or injury then you and your closest relatives have a right to receive help under this coverage up to DKK 100,000. The health insurance covers reasonable and necessary expenses for home nurses, stay at home hospice, home service, consultation with a psychologist and psychiatrist and extra expenses for transportation. Psychological treatment is also offered to your closest relatives. Addiction and treatment program: If the insured is diagnosed with an insurance valid addiction, the insurance will cover expenses for rehabilitation. The coverage will only include employees and will cover
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COVERS - HEALTH INSURANCE (NOT EXHAUSTIVE LIST)
expenses up to DKK 85,000 on medical prescribed rehabilitation. The health insurance will cover one treatment during the entire policy period per employee. Following grounds can be covered:
Alcohol abuse Narcotics Prescription medication Gambling
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COVERS - HEALTH INSURANCE (NOT EXHAUSTIVE LIST)
If you get ill or are injured Urgent treatment is not covered by your health insurance. You should therefore, in case of an emergency, do as instructed by your own doctor and/or by your treatment facility, or contact: 
Emergency 112
You must contact If if you wish to use your insurance. Here you will talk to a special trained employee, who will be able to guide you. You should always confer with your own doctor before contacting If. If +45 70 13 13 10 (dial 1) 24/7h Questions about your personal data and health will be asked when you call If. In some cases we will also ask for name, address, and phone number for hospitals, doctors, and others, who are familiar with the state of your health. We will not contact hospitals, doctors, and others without your prior written consent, and neither will we give information to others than you, unless we have your prior written consent. What you tell us and your use of your health insurance will be held confidential between you and If. Your health insurance has an extensive coverage, but the costs will have to be approved and agreed with by If. Costs for agreed upon and accepted consultation and treatments, where you fail to show up without timely cancellation or without a valid reason, will not be covered. The coverage form is guiding, and injuries will be regulated in reference to valid terms along with potential clauses and special terms which are stipulated by the insurance policy and/or the insurance certificate.
For more information about your health insurance please visit www.if.dk/sundhedsforsikring
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