PFA Health Insurance

From 1 September 2025, you will have PFA Health Insurance instead of health insurance with Dansk Sundhedssikring. Your new health insurance gives you access to quick treatment at private hospitals, clinics and by specialists. 

Are you already receiving treatment? 
If you are undergoing treatment through Dansk Sundhedssikring, you can continue this treatment until 30 November 2025. If you still need treatment after this date, you must contact PFA’s Health Centre to arrange the next steps. However, if your need for treatment came into existence after 1 September 2025, please contact PFA’s Health Centre at (+45) 70 12 50 00.

How to use PFA Health Insurance

 

1. Contact your doctor

You always need to start by contacting your own doctor, who must assess your need for treatment and possibly give you a referral. This ensures that you will get the correct pre-examination and/or receive the correct treatment.

A doctor’s referral is not required if you need psychological therapy in connection with stress symptoms or treatment by a chiropractor, physiotherapist, reflexologist or acupuncturist.

 

 

2. Call PFA's Health Centre at
(+45) 70 12 50 00 or go to My PFA

Once you have seen your doctor, we need to approve the examination and/or treatment that your doctor has recommended* or referred you to. Usually, you will receive immediate approval. Examination and treatment must be approved by PFA before initiated. Additionally, you will receive a letter with the approval either by post or in your e-Boks. However, this does not apply to treatment from a psychologist, where the psychologist contacts you to arrange a time for the consultation.

You can also have your examination and/or treatment approved by logging on to My PFA 

 

3. Get started with examination and treatment

We will, as a rule, direct you to a treatment facility within PFA’s quality-assured network. 

In connection with treatment by a physiotherapist, chiropractor, acupuncturist, reflexologist and dietician, you can select a practitioner or therapist of your own choice.

Normally, PFA will settle the payment directly with the treatment facility so that you do not need to pay upfront and claim the payment back later. 

What is covered?

What is covered?

PFA Health Insurance covers (not exhaustive):
- Expenses for pre-examinations, treatments and re-examinations at hospitals, clinics or by specialists
- Psychologist (needs-based)
- Treatment by psychiatrists (up to 12 consultations)
- Chiropractor and physiotherapist (needs-based)
- Acupuncturist and reflexologist (up to 12 treatments in total)
- Treatment of abuse of alcohol, medicine and other intoxicants (up to DKK 132,000)
- Treatment for gambling addiction (up to 3 months and maximum DKK 60,000 in total)
- Rehabilitation therapy (up to 24 months)
- Recuperation stay (up to 3 months)
- Medicine (up to 24 months)
- Dietician (up to 12 consultations in case of BMI above 30 or below 18)
- Temporary home care services (up to 3 months)
- Transportation
- Second opinion

PFA Health Insurance does not cover (not exhaustive):
- Chronic illnesses that occurred before you became covered by PFA Health Insurance
- Cosmetic surgery
- Glasses, contact lenses, hearing aids or dental treatment
- Treatment against childlessness and any consequences of pregnancy and birth 
- Emergency treatments (for instance in relation to situations that require doctors from the emergency service and casualty ward)
- The need for treatment must have arisen during the insurance period 
                

Quick help in connection with stress symptoms

You have access to quick help if you experience stress symptoms. The faster you get help, the greater the possibility of preventing stress symptoms from turning into a serious health problem. Therefore, you do not need a doctor's referral. You simply contact PFA and then we will refer you to a business psychologist specialised in stress.

Get help during menopause

If you are in menopause, you can get treatment for any issues from an acupuncturist, reflexologist, gynaecologist and dietitian (no overweight or underweight requirement). In addition, you can get psychological counselling via online psychologist or a traditional psychologist session.

Read more about Health Insurance at pfa.dk and at My PFA in your terms and conditions of pension in the section “Special terms and conditions of pension for PFA Health Insurance”, where the detailed terms and conditions of your PFA Health Insurance are described.

PFA Health Insurance for your family

Your children have the same cover as you do

Your children under age 24 are automatically covered by your health insurance. This means they can get the same quick treatment. This also applies to your domestic partner’s children if they are still living at home.

PFA Health Insurance for your partner
Your spouse/domestic partner and children between the ages of 24 and 28 can also purchase PFA Health Insurance at a favourable price. The health insurance plans for your family are paid for once a year via Betalingsservice (direct debit service).

You can download the registration form by clicking the link below or have it sent to you by calling PFA’s Advisory Services Centre at (+45) 70 12 50 00.

Please note that any pre-existing illnesses and illnesses that have arisen as a consequence of a pre-existing illness will not be covered until 6 months after the date of establishment of your partner’s health insurance.

 

Online support from a doctor, physiotherapist, psychologist, family therapist and coach

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. 

Online Doctor
You have access to medical advice and treatment from a general practitioner. This service is also available to children under the age of 24 and any spouse/domestic partner.

Online Physiotherapist
You can get counselling and treatment for musculoskeletal pain from an online physiotherapist, e.g., for back pain, lower back pain or tennis elbow. Based on a medical assessment, you can get up to 6 consultations and this is also available to your children under the age of 24.  

Online Psychologist
 You have access to counselling and treatment from an online psychologist for exam anxiety, sleep problems, stress symptoms, sadness and anxiety attacks. Based on a medical assessment, you can get up to 6 consultations and this is also available to your children between 12 and 24 years of age.  

Online Family Therapist
 As a parent, you must have custody to get advice and guidance from an online family therapist to address challenges and concerns related to your children’s well-being and development, such as well-being at school, relationships, the digital balance at home and events in the family such as serious illness in the immediate family or divorce. Based on a medical assessment, you can get up to 4 consultations, and you can get a maximum of 1 course of consultations per year and a maximum of 6 courses of consultations while you have your health insurance. Please note that there can be cases where you should call us at (+45) 70 12 50 00 to see how we can help you. 

Online Coach
 With Online Coach, you can get advice and guidance on how to deal with life challenges and changes before they turn into distress and stress. For example, you can get counselling in connection with education, your first job and your career and life balance. Based on a medical assessment, you can get up to four consultations, and you can get a maximum of one course of consultations per year and a maximum of six courses of consultations while you have your health insurance. Your children between 15 and 24 years of age also have access to Online Coach.  

Read more and book an appointment here