Top 9 Insurance Companies in Denmark for Expats
Bupa Global, William Russell, and Allianz are some examples of the top international health insurance companies in Denmark for expats. These insurance companies offer comprehensive health insurance plans and benefits to foreigners living in Denmark.
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Are you an expat moving to Denmark and looking for health insurance? Are you interested in finding a comprehensive health insurance plan for your time abroad? This article from Pacific Prime will help you understand your insurance options while in Denmark.
We will share the top insurance companies available to expats in Denmark and a comprehensive overview of their insurance plans and benefits. Keep reading to learn all about the best insurance providers in Denmark for expats and foreigners!
Best 9 Insurance Companies for Expats Abroad in Denmark
The best insurance companies in Denmark are Bupa Global, William Russell, Allianz, and more. These companies have built lasting reputations within the international insurance market and offer health insurance plans that fit any budget or lifestyle.
The full list of the nine best insurance companies in Denmark are:
We will share more about these insurance providers in the following sections.
Bupa Global for Expats in Denmark
Bupa Global offers international health insurance coverage for expats in Denmark with their four plans: Major Medical, Select, Premier, and Elite. Their most affordable plan provides an annual benefit limit of USD $1,260,000.
Their plans and coverage details may vary by region, so ask your broker for more information. Below, we have compiled a short table illustrating the coverage benefits offered by Bupa Global.
|
Bupa Insurance Coverage Availability for Expats in Denmark |
|
|
Benefit |
Availability through Bupa |
| Inpatient & Outpatient Coverage | Available |
| Emergency Evacuation and Repatriation | Available on many plans |
| Dental Coverage | Available with a 24-month waiting period for orthodontic benefits |
| Maternity Coverage | Available with a 12-month waiting period |
| Coverage for Annual Health Checks | Available |
| Vaccination Coverage | Available for routine and travel vaccines |
Bupa Global includes key beneficial features with each of their health insurance plans in addition to their comprehensive healthcare coverage. These features include:
- Direct Billing Options
- 24/7 Medical Help through Global Virtual Care
- Second Medical Opinions
- Online Access to Insurance Information
- Extensive Network of Providers
William Russell for Expats in Denmark
William Russell is a popular international health insurance provider with expats in Denmark because of their comprehensive health insurance. They offer health insurance through four standard plans: Bronze, SilverLite, Silver, and Gold. Each plan varies in coverage limits and benefits.
We will compare these four plans and their benefits in the table below.
|
William Russell Plan Benefits for Expats in Denmark |
||||
|
Bronze |
SilverLite | Silver |
Gold |
|
| Annual Benefit Limit | USD $1,500,000 | USD $1,500,000 | USD $2,500,000 | USD $5,000,000 |
| Hospital Accommodations | Semi-private room (option to upgrade to a private room) | Semi-private room (option to upgrade to a private room) | Private room | Private room |
| Hospital Treatment | Full coverage | Full coverage | Full coverage | Full coverage |
| Annual Limit for Out-patient Treatment | No limit | Up to USD $5,000 | No limit | No limit |
| Primary Medical Care | Post-hospital treatment only | USD $1,500 (option to extend to USD $2,500 or USD $3,500) | Full coverage | Full coverage |
Allianz Care for Expats in Denmark
Allianz Care is one of the largest international health insurance providers on the market today and offers expats in Denmark excellent private health insurance coverage. The main three plans they offer expat individuals and families are Allianz Care, Allianz Care Plus, and Allianz Care Pro plans.
We have included the short table below to compare Allianz plan benefits.
|
Allianz Plan Benefits for Expats in Denmark |
|||
|
Care Plan |
Care Plus Plan |
Care Pro Plan |
|
| Annual Limit | USD $2,500,000 | USD $4,000,000 | USD $5,000,000 |
| Type of Room | Semi-Private | Private | Private |
| Inpatient / Day-Care | Covered | Covered | Covered |
| Oncology | Covered | Covered | Covered |
| Medical Evacuation | Covered | Covered | Covered |
In addition to their core Care plans, they also offer additional add-on plans to further your coverage. These plans include their Out-Patient Plan, Dental Plan, Repatriation Plan, and
Maternity Plan. These plans offer important additional treatment coverage for expats in Denmark.
Cigna for Expats in Denmark
Cigna Global offers international health insurance to expats in Denmark with its Close Care, Silver, Gold, and Platinum plans. It is one of the largest international health insurance providers, with a broad global network of 1.65 million hospitals, doctors, and clinics.
Cigna’s health insurance plans offer comprehensive coverage for inpatient and outpatient services and more. The core benefits shared by these plans are:
- Inpatient and day patient coverage
- Full cancer care
- Newborn care coverage
- Private hospital rooms
- Hospital stays and treatments
Some additional coverage that can be added to these plans are:
- Dental and vision benefits
- Evacuation and Crisis Assistance Plus™
- Outpatient services
- Health and wellbeing services
The Silver, Gold, and Platinum plans all offer international coverage, while the Close Care plan only offers coverage in Denmark and the member’s home country.
AXA for Expats in Denmark
AXA is a global health insurance provider with 55 years of experience that insures expat individuals and families in Denmark. Its health insurance plans are offered in five coverage tiers: Foundation, Standard, Comprehensive, Prestige, and Prestige Plus.
Each of these plans includes comprehensive inpatient coverage with annual limits ranging from USD $160,000 to $8,000,000. Exact coverage benefits will vary from plan to plan.
The core benefits included in all five plans are:
- Inpatient Hospital Charges and Surgeries
- Emergency Care
- Medical Evacuation and Repatriation
- Wide Range of Cancer Treatments
- Ambulance Transport
- CT, PET, and MRI Scans
The more inclusive plans, Prestige and Prestige Plus, offer these valuable additional benefits:
- Routine Pregnancy Care
- Annual Health Checks
In addition to these medical benefits, AXA offers other important services to their members with each of their five plans. This includes 24/7 personal support, claims repaid within 48 hours, second medical opinions, and virtual doctor services.
GeoBlue for Expats in Denmark
GeoBlue is a global insurance company offering travel and health insurance plans for individuals, families, students, and groups in Denmark and around the world. They provide their members in Denmark access to an extensive provider network and offer customizable, comprehensive plans.
GeoBlue offers expat health insurance through their plans Xplorer Premier and Xplorer Essential. The Xplorer Premier plan comes with United States coverage, while Xplorer Essential can have US coverage added at a fee.
These plans come with benefits like:
- Inpatient and Outpatient Coverage
- Emergency Evacuation and Repatriation
- Dental Coverage (With a 3-month Waiting Period)
- Maternity Coverage (With a 12-month Waiting Period)
- Coverage for Annual Health Checks
- Vaccination Coverage
The Xplorer plans come with different choices of deductibles, and each annual maximum limit will depend on the deductible chosen. GeoBlue plans are especially popular with expats moving to Denmark from the US due to the Xplorer Premier’s built-in US coverage.
VUMI for Expats in Denmark
VIP Universal Medical Insurance Group (VUMI) Insurance offers comprehensive health and travel insurance for foreigners in Denmark. VUMI offers individual health insurance through its Global Flex VIP Plans, which are available as Basic, Standard, Superior, Ultra, and Total.
Each plan has different coverage limits, but all five plans include some core benefits like standard private hospital room coverage and fully covered ICU stays.
We will share more about the Global Flex VIP Plans below.
- Global Flex VIP Basic Plan: The VIP Basic plan offers the most affordable insurance option to expats in Denmark. It provides inpatient coverage, with outpatient services only being covered before and after surgery.
- Global Flex VIP Standard Plan: This plan offers a step-up in coverage from the Basic plan, with optional wellness and optical benefits.
- Global Flex VIP Superior Plan: The Superior Plan has options for additional optical and maternity benefits and also includes coverage for outpatient benefits like complementary therapies.
- Global Flex VIP Ultra Plan: The Ultra plan is the second most comprehensive health insurance plan VUMI offers. This plan includes routine dental coverage and maternity benefits. Optical benefits can be added as well.
- Global Flex VIP Total Plan: The most comprehensive of VUMI’s health insurance policies. This plan includes the highest benefit limits and includes high coverage for dental and maternity benefits.
IMG Global for Expats in Denmark
IMG Global is an international insurance company that offers health and travel insurance plans to expat individuals and families in Denmark. Their plans are globally portable, with the choice of worldwide coverage or worldwide excluding the US, Hong Kong, Japan, Macau, Singapore, and Taiwan.
IMG Global provides international health insurance plans with benefits that include inpatient care, cancer treatment, and prescription coverage. These plans come in four different coverage tiers: Bronze, Silver, Gold, and Platinum.
The annual limits for these plans are listed below:
- Bronze: USD $1,000,000 per individual
- Silver: USD $5,000,000 per individual
- Gold: USD $5,000,000 per individual
- Platinum: USD $8,000,000 per individual
David Shield for Expats in Denmark
David Shield is one of the top insurance companies in Denmark due to their unique health insurance solutions and excellent customer service. They offer their members access to quality healthcare in Denmark and across the world. They are also known for their product PassportCard.
David Shield offers individuals the option of health insurance plans with worldwide coverage including USA or excluding USA coverage. Expats looking to save money on their premiums can choose the excluding USA coverage plan.
Some key benefits included in David Shield plans are:
- Hospitalization
- Surgery
- Physician Visits
- Maternity and Infant Care
David Shield also offers maximum flexibility for its members by allowing them to select the medical service provider of their choice from their extensive network.
Using an Insurance Broker to Secure Insurance in Denmark
Expats who use an insurance broker to secure health insurance for their time in Denmark can count on a simplified and streamlined process, with free and unbiased advice and support. Global insurance brokers like Pacific Prime can save you money on expat health insurance for your time abroad.
Insurance brokers save you money by negotiating with the insurance coverage provider on the client’s behalf, comparing plans to find the best deals, and customizing plans. Additionally, they will support and advocate for clients on their insurance journey.
If you’re interested in using an insurance broker to secure a health insurance policy for Denmark, consider the experts at Pacific Prime.
Frequently Asked Questions:
What to consider when choosing a health insurance provider in Denmark?
Expats in Denmark choosing an insurance provider should consider the company’s extent of coverage, their premiums and deductibles, their reputation, and the size of their network of healthcare providers. You can also consider how straightforward the company’s claim processing is.
Can international students in Denmark benefit from health insurance?
International students in Denmark can benefit from international health insurance’s financial protection in case they experience any accidents or illnesses. International health insurance can give international students access to high-quality private healthcare options.
Conclusion
Insurance companies like Bupa Global, William Russell, Allianz, and others provide excellent health insurance coverage to expats in Denmark. These insurance companies can offer financial protection for expats in the case of any unexpected illness or accident.
If you’re ready to secure an international health insurance plan, contact the experts at Pacific Prime. We have years of experience in providing health insurance solutions to expats across the globe, and offer our unbiased advice for free.
If you’d like to see quotes for health insurance on your own, use our free quote tool on our website! We also can help you find travel insurance and other insurance products.
If you enjoyed this article, check out our others on the top insurance companies in Sweden and the Czech Republic!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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