Health and insurance in PFA

Online Health Support
PFA Healthcare Hotline
PFA EarlyCare
PFA Health Insurance
PFA Critical Illness
PFA Occupational Capacity
PFA Life

Online Health Support

Sometimes you may have a concern or an issue that you would like a professional help you handle, prevent and possibly treat. As part of PFA Health Insurance, you have access to Online Health Support via video call or phone call with a doctor, physiotherapist, psychologist, family therapist and coach. This way you can have any concern or issue clarified quickly – whether you are at home, at work or on holiday.  

Read more about Online Health Support

PFA Healthcare Hotline

PFA Healthcare Hotline is a health insurance feature which offers you advice and guidance over the phone regarding questions related to your everyday life. The advisers will be ready to provide assistance regarding issues that relate to your working life as well as your private life, such as well-being, stress, personal crises, lifestyle changes, serious illness, death or substance abuse. The advisers at the Healthcare Hotline all have a professional social care background, and they can help you with physical, mental and social problems – whether they are large or small. 

You can call the Healthcare Hotline at (+45) 70 12 50 00 on Monday to Thursday from 8:30 to 16:00 and on Fridays from 9:00 to 16:00.

PFA EarlyCare ensures quick help

If you have a PFA Occupational Capacity insurance plan with PFA, you can get help and guidance from PFA EarlyCare if, for instance, you experience symptoms of stress, are at risk of facing sickness absence for other reasons or are already on sick leave. With PFA EarlyCare, you have access to help and guidance from PFA’s social and healthcare specialists on, for example, stress or other health issues. PFA will help you clarify your state of health and assess whether early intervention will help you return to work sooner. 

Learn more about PFA EarlyCare

 

If you have a colleague who could benefit from support from PFA’s social and healthcare specialists, you can complete this form, and your colleague will be contacted as soon as possible. 

Call my colleague

PFA Health Insurance

PFA Health Insurance gives you access to quick treatment, surgery and rehabilitation if you experience pain, fall ill or get injured.

Your children below the age of 24 are automatically covered by your Health Insurance and are therefore ensured the same access to quick treatment. The same applies to your domestic partner’s resident children. 

Read more about PFA Health Insurance
  

PFA Health Insurance for your partner

Your spouse or cohabiting partner can also take out PFA Health Insurance at an advantageous cost. The annual price is DKK 2.500 (until 30 September 2029).
Your partner’s Health Insurance must be paid annually through Betalingsservice. Please note that any pre-existing illnesses and illnesses which have occurred as a consequence of a pre-existing illness cannot be covered until 6 months after the establishment of your partner’s Health Insurance.

Registration

Click here and fill out the registration form (PDF)

Hereafter you have to send the completed registration form to PFA by uploading it at pfa.dk here.
 

PFA Health Insurance for children above age 24

You have the option of taking out PFA Health Insurance for your children between the age of 24 and 28. The annual price is DKK 2.350 (until 31 December 2028) and payment must be made through Betalingsservice. If the insurance plan is taken out not later than 3 months after your child has attained 24 years of age, any pre-existing illnesses and illnesses that have arisen as a consequence thereof will be covered by the insurance. If the insurance is taken out later, the said illnesses will not be covered for the first 6 months.

Registration

Click here and fill out the registration form (PDF)

Hereafter you have to send the completed registration form to PFA by uploading it at pfa.dk here.

PFA Critical Illness

With PFA Critical Illness, you qualify for a tax-free payout if you are diagnosed with a critical illness covered by the insurance.

Find out which diagnoses are covered under PFA Critical Illness

As a starting point, your critical illness cover amounts to 33 per cent of your salary. You can increase your cover to a maximum of DKK 750,000. How you spend the money is up to you – you can for instance spend it on extra personal care, extra treatment, a recuperation stay or alterations to your home.

View your critical illness cover at My PFA

Add children’s cover to your insurance plan

You can choose to add children’s cover to your critical illness cover, which entails that you will receive a tax-free lump sum if your children below the age of 24 are diagnosed with an illness covered by the insurance.

PFA Occupational Capacity

If you fall ill and become unable to work, you may be eligible for regular payouts. Your overall occupational capacity must be reduced to half or less, and your earnings must be reduced by minimum 10 per cent to make you qualified for regular payouts due to reduced occupational capacity. The insurance cover will be paid out regularly until your occupational capacity is improved, however, no longer than until you reach the agreed retirement age.

The size of your coverage is a fixed percentage of your salary. If you have PFA Occupational Capacity with automatic adjustment, the coverage percentage will be adjusted to your salary level on a regular basis. If your salary level increases, your coverage percentage will automatically be increased, and correspondingly reduced if your salary level decreases. If you are not covered by automatic adjustment, you will, as a rule, have a coverage corresponding to 60 per cent your salary, and you have access to reduce the coverage to 40 per cent and to increase it to 80 per cent of your salary.

If you are employed in a flex job, you can receive regular payouts that, as a rule, let you keep your previous salary level. The payout is conditional on your compliance with the described conditions of payout, and the payout cannot exceed the size of cover provided by your insurance plan.

Log on to My PFA and get a recommendation to the size of your occupational capacity insurance cover

Payment protection cover offers extra security

Your occupational capacity insurance also includes payment protection cover, which ensures that your pension plan will continue while you receive payouts from PFA Occupational Capacity. This means that PFA Occupational Capacity, PFA Critical Illness and PFA Life will continue, and, in addition, that PFA will make payments to your savings plan. This way, your saving for retirement will continue.

Add a lump sum as part of your insurance plan

You can take out extra insurance that will provide you with a lump sum if your occupational capacity is permanently reduced by 2/3 or more. You will receive the payout when your occupational capacity has been reduced for 12 months. You may select a cover of up to DKK 500,000.

If you are covered by a collective agreement, you have occupational capacity insurance, which will ensure you a lump sum of DKK 166,667 if your occupational capacity becomes permanently reduced by 2/3 or more. You may increase your insurance cover up to DKK 500,000.

PFA Life

PFA Life is a life insurance plan that secures your dependants financially if you pass away before retirement. As a rule, PFA Life will be paid out to your ‘next of kin’.

Read more about ‘next of kin’

As a rule, the payout is a tax-free lump sum amounting to 300 per cent of your salary, but you can choose to increase your cover to 800 per cent of your salary.
Generally, PFA recommends that you select a level of insurance cover that allows your family to maintain its standard of living for up to four years.

Log on to My PFA and see the cover that we recommend for you

Children’s pension – extra security for your children

Your life insurance also offers the opportunity of including children’s pension, which ensures your children below the age of 24 an annual payout if you pass away before retirement. The payouts will be considered personal income for the children.

You can increase the cover to a maximum of 25 per cent of your salary. PFA recommends that you choose a level of insurance cover that falls with the limit of your children’s tax exemption cards, so that they will not have to pay tax on the payouts.

Who should receive the money in the event of your death?

It is important that you consider who should receive payouts from your pension plan when you are no longer here. At My PFA, you can see who is designated as beneficiary of your plans and your options of changing the beneficiary designation. If you have transferred savings from another pension company to PFA, any beneficiary designation from the previous company will not be transferred to your savings plan with PFA.