Business Health InsuranceBusiness health insurance – fast treatment for you and your employees
Give yourself and your employees access to specialists, physiotherapy, psychology and much more with your company’s health insurance. No long waiting times – just fast, easy access to professional treatment when body, mind or life needs a little extra support.
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Why companies choose health insurance from Plain
Well again in record time
A 10-day treatment guarantee from approval to start. Your employees skip months of waiting for specialists, physiotherapy and psychology.
From one employee and up
Health insurance for businesses of every size. From a single employee upwards, at a fixed monthly price. No fees and no administrative surcharges.
100% digital, zero paperwork
Simple, fast administration of your company’s health insurance. Easily add and remove employees directly from your overview.
Fast treatment, comprehensive cover
Get fast access to treatment and prevention. With a 10-day treatment guarantee, your employees get help when they need it – not weeks or months later.
Flexible and easy to manage
You can easily manage who is covered. Add new employees as the team grows, and remove those who leave. Everything is handled digitally – quickly, with flexible monthly payment.
Protect your employees with health insurance
Comprehensive cover for your company’s employees
With this cover you have access to a private online doctor on weekdays, weekends and public holidays. You can write to the doctor around the clock and get advice, answers to health questions and renewal of most prescriptions by email or video. The cover applies to the whole household, i.e. the insured, spouse/partner and resident children under 24.
When you need fast treatment, this cover gives access to examination and surgery at a private hospital within 10 days if the wait in the public system is too long.
Support and treatment for mental challenges including stress, depression and anxiety. Treatment takes place within the network or with your own therapist, with the option of phone, online or in-person treatment.
Direct access to physiotherapy. This cover gives you the freedom to start physiotherapy without first getting a referral from your doctor. You can choose between our nationwide network or your own therapist.
Treatment with a reflexologist, acupuncturist or osteopath for musculoskeletal conditions, and with an authorised clinical dietitian – up to 10 treatments per type of treatment a year. You choose your own therapist.
An experienced health team of doctors, nurses and therapists offers professional advice by phone and online on all kinds of health and medical issues. They help with everything from physical illness to mental challenges, lifestyle changes, stress, pregnancy and pain management.
Telephone advice sessions for expectant and new parents are handled by a personal adviser with a healthcare background. The advice covers pregnancy complaints, maternity, breastfeeding, birth, the parenting role and the child’s wellbeing.
Cover for specialist-prescribed dental treatment if your teeth are damaged in direct connection with treatment of a covered illness or injury – up to DKK 20,000 per injury. Ordinary dental treatment, dental surgery and dentures are not covered.
Covers reasonable and necessary examination and treatment of illness carried out by specialists at hospitals or clinics. A doctor’s referral is always required, and the examination must start within 10 working days.
Get support, follow-up and advice when there is a risk of long-term illness or sick leave. This includes motivational conversations, stress therapy, a manager hotline for HR and cooperation with pension providers to reduce loss of earning capacity.
Examination and treatment of chronic illnesses diagnosed during the insurance period are covered for up to 6 months if treatment can lead to significant and lasting improvement. Guidance on public treatment options is also offered.
Treatment of illnesses arising as a direct consequence of chronic illness is covered for up to 6 months from the time of diagnosis, provided a significant and lasting improvement can be achieved.
Outpatient follow-up after surgery covered by the insurance, up to a maximum of 24 months after the last day of treatment. The check must be ordered by a specialist and assessed as necessary.
Cover for re-operation after an insured operation, carried out at an approved treatment facility with a specialist’s referral and the insurer’s approval.
An independent consultation with a relevant specialist in the case of life-threatening or serious illness, or when choosing a high-risk treatment. Also includes telephone advice in cases of diagnostic uncertainty or disagreement between doctors.
Covers necessary expenses for personal, temporary aids prescribed by a specialist in connection with covered surgery or treatment.
Outpatient rehabilitation with a physiotherapist or chiropractor following covered surgery on the musculoskeletal system.
Cover for an approved recuperation stay in Denmark directly following covered surgery or hospitalisation – up to DKK 75,000 per insured person over the whole insurance period. The stay must be prescribed by the treating specialist.
Cover for temporary help at home for personal care, cleaning and shopping for up to 6 months after covered surgery. The help must be prescribed by the treating specialist.
Reasonable transport costs in Denmark to and from examination and treatment by a specialist when we refer you to a place of treatment more than 60 km from your home. The cover also includes lying-down patient transport and a medical escort when medically necessary.
Advice and support for physical challenges, including guidance on training, rehabilitation and prevention through training apps, videos and online treatment, among other things.
Acute psychological crisis support after sudden serious events such as accidents, violence, death or life-threatening illness. Support is provided by experienced crisis psychologists by phone, online or in person. The event must be reported within 48 hours.
Cover for a stay at a Danish hospice or terminal care at home following a terminal diagnosis made during the insurance period – for up to 3 months and a maximum of DKK 100,000.
Treatment for misuse of alcohol, prescription medication and intoxicants, as well as diagnosed gambling addiction. Treatment must be prescribed by your GP and approved in advance, and is covered once you have been insured for 6 months. Maximum DKK 100,000 per insured person.
Individual health programmes for managing chronic conditions such as diabetes, high blood pressure, cardiovascular disease, COPD and obesity. The programmes include personal coaching, advice and health plans.
Treatment of chronic and long-term conditions – including those that arose before the insurance started. The cover includes up to 12 treatments a year with a physiotherapist, chiropractor or medical massage therapist for musculoskeletal conditions, one course of telephone psychology support a year for long-term mental health conditions, and chiropody with a doctor’s referral.
Frequently asked questions about employee health insurance
Plain’s business health insurance helps you and your enrolled employees get back to everyday life quickly if you fall ill or are injured. It ensures access to specialists, treatment and advice – without long waiting times.
The insurance covers examination and treatment in Denmark. If you live in the Nordics or Germany, approved treatment with a physiotherapist, chiropractor or psychologist in your country of residence is covered. In special cases, and by agreement, the insurance can cover treatment at a private hospital or specialist clinic in the Nordics, the EU or England if there is no reasonable place of treatment in Denmark.
It’s up to you which employees in the company are offered health insurance. The insurance covers the employees enrolled in the company’s health insurance. We can insure from as little as one employee.
You can calculate your price in a few minutes and get a fixed monthly price per employee. All prices include state taxes, and Plain has no fees.
No, health insurance is not mandatory in Denmark. But it’s a good idea to have if you want to avoid long waiting times and get access to help when you need it. It’s a voluntary option for those who want extra peace of mind and fast access to treatment.
Health insurance is for those who want to avoid waiting times and have access to treatment when they need it. It suits you if you want peace of mind and fast treatment should health problems arise.
Yes, there are a few requirements to get health insurance.
- You must be resident in Denmark, the Nordics or Germany and be entitled to receive Denmark’s public health benefits, or benefits equivalent to the public health benefits in your country of residence.
- The insurance can be taken out from age 18–66 and ends when you turn 67.
- Existing illnesses may be subject to a waiting period – see the question about existing illnesses below.
In many cases you need a doctor’s referral or recommendation before an examination or treatment can begin.
The insurance does not cover, among other things, ordinary dental treatment, cosmetic treatments and vaccinations. You can read more about what is not covered in the policy terms. If in doubt, you’re welcome to contact us.
It depends on how the scheme is set up. If the health insurance is mandatory for employees, there is no waiting period for existing conditions – although you must have been covered for 6 months before addiction treatment is covered. For voluntary schemes and for co-insured family members, there is a 6-month waiting period for existing illnesses and injuries. Chronic illnesses diagnosed before the insurance started are generally not covered, but can receive treatment under the cover for chronic conditions, which is always included with Plain.
Plain’s health insurance covers both work-related and private treatment needs, and the premium is split into a work-related part and a leisure part. The work-related part is tax-free for the employee. The leisure part is a taxable staff benefit and must be reported on an ongoing basis as A-income in eIndkomst (box 26) when the company pays. The exact split between the work-related and leisure parts is shown on the policy in Plain. You can read more about the rules and the different tax models in our article on how health insurance is taxed.
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