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 of well-being, stress, personal crises, changes in life style, serious illness, death or substance abuse that relate to your working life as well as your private life. The advisers at the Healthcare Hotline all have a health professional 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 80 68 73 Monday to Thursday from 8:00 to 16:30 and Friday from 8:00 to 16:00.

PFA Health Insurance

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

You can register your children below age 21 for your health insurance to ensure that they will have the same advantageous treatment options that you have. Children’s cover is paid by Rambøll. Please ask your HR coordinator for a registration form.

Your spouse or domestic partner can also take out PFA Health Insurance at an advantageous price. Your partner’s health insurance plan is payable annually through Betalingsservice. Please call PFA’s Advisory Services Centre at (+45) 70 80 68 73 to get a registration form for your partner.

Read more about PFA Health Insurance 

 

PFA EarlyCare

If you are covered by PFA Occupational Capacity, you can get help by calling PFA EarlyCare at (+45) 70 80 68 73 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 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 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 21 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 60 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, or reduce it to 40 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 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.

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 pay for a part of the payments. 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 up to 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, min. DKK 350,000, 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 exemption cards, so that they will not have to pay tax on the payouts.

Beneficiaries

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