Insurance cover

Insurance cover

SmertePFA Preventive Care

forebyggerPFA EarlyCare®

ForsikringPFA Health Insurance

SygefraværPFA Critical Illness

PrivatPFA Occupational Capacity

Ved dødPFA Life

PFA Preventive Care

PFA Preventive Care provides cover if you suffer from back pain, tension headaches or other minor work-related disorders in the musculoskeletal system, preventing minor disorders from turning into long-term sickness absence. Non-work-related injuries, for instance in connection with sports, are not covered by this insurance plan.

  • You can use the insurance without a doctor’s referral
  • You can get treatment by physiotherapists, massage therapists, chiropractors and reflexologists. It is possible to combine the different types of treatment
  • Treatment within 4 days*
  • PFA Preventive Care is offered in cooperation with Falck Healthcare
  • PFA does not receive information about the treatments
  • Book your treatment online. For emergency treatment (treatment within 24 hours), please call (+45) 70 12 50 00 (8:00-21:00).

*It is not possible to receive treatment on holidays and on the following days: The Danish Constitution Day, from 23 December to 2 January (both days inclusive), during weeks 29, 30 and 31, the Friday following Ascension Day, and Monday through Wednesday before Maundy Thursday.

Find out how to use your PFA Preventive Care

PFA EarlyCare®

If you are covered by PFA Occupational Capacity, you can get help by calling PFA EarlyCare® at (+45) 70 80 75 05 if you suffer from stress or other physical or mental illnesses. With PFA EarlyCare®, you have access to help and guidance from PFA’s social and healthcare specialists if you get a 2-week or more notification of illness. PFA will help you clarify your state of health and assess whether early intervention will help you return to work sooner.

Read more about PFA EarlyCare®

PFA Health Insurance

PFA Health Insurance gives you access to quick treatment, surgery and rehabilitation if you 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 cohabiting partner’s resident children.

Read more about PFA Health Insurance

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 DKK 150,000. You can increase your cover to a maximum of DKK 500,000. 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 can have up to X per cent of your salary on which cover is based paid out. Your overall occupational capacity must be reduced to half or less, and your earnings must have been reduced by a minimum of 10 per cent before you qualify for regular payouts from PFA 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. You can choose to increase your coverage up to 80 per cent of your salary, provided that you can submit satisfactory health information.

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 upon you complying with the described conditions of payout, and the payout cannot exceed the size of cover included in your insurance plan.

If you receive public job rehabilitation benefit, you will from now on be eligible for regular payouts of 80 per cent of your salary - regardless of your chosen 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, make payments to your savings. This way, you can keep your insurance cover and continue saving for retirement.

Add a lump sum as part of your insurance plan

You can choose to purchase an extra insurance cover that ensures you 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 can select a cover of up to 200 per cent of your salary.

If you are covered by a collective agreement, you have occupational capacity insurance, which ensures that you receive a lump sum of DKK 100,000 if your occupational capacity is permanently reduced by 2/3 or more. You can increase your insurance cover to a maximum of 200 per cent of your salary.

PFA Life

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

Read more about ‘next of kin’

As a starting point, the payout is a tax-free lump sum amounting to 100 per cent of your salary but you can choose to increase your coverage 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 exemp. 

 

Beneficiaries

Who should receive your money when you are no longer here? If you have designated a beneficiary on the former plan, and, if you want to transfer this designation to the new plan, you need to complete a new beneficiary declaration.