PFA Health Insurance

PFA Health Insurance gives you quick access to examinations and treatment at hospitals and clinics, and by specialists.

PFA Health Insurance for your children

If you are covered by PFA Health Insurance, your children under the age of 24 are usually covered too.

Please contact us at (+45) 70 12 50 00 if your children are not covered through the agreement with your employer/organisation and you want to take out health insurance for your children.


PFA Health Insurance – Young Adults

Dependent on which type of PFA Health Insurance you have, you can buy PFA Health Insurance – Young Adults, for your children between the age of 24 and 28.


PFA Health Insurance for your partner

If you are covered by PFA Health Insurance, you are, in most cases, able to take out a health insurance plan for your spouse, domestic partner or registered partner at an advantageous price. You can choose to do so if the agreement between your employer/organisation and PFA allows for it, provided that your partner lives in Denmark.

If your spouse, domestic partner or registered partner wants to take out PFA Health Insurance, provided that this is possible according to the pension agreement, you can use the form below. You may either print and send the form to PFA by ordinary mail or upload the form through My PFA and send it together with a message (select 'Messages' on the frontpage and then 'New message'). 


PFA Health Insurance for you between the ages of 60 and 79

If you have a savings plan with PFA and you have attained the age of 60, you and your spouse or partner can take out health insurance if you are not already insured through your employer.

How to use PFA Health Insurance

1. Contact your doctor

You always need to start by contacting your own doctor, who needs to assess your need for treatment and give you a referral or recommendation*.

This is necessary in order to ensure that you receive the correct treatment.

*A doctor's referral is not required if you need treatment by, for example, an osteopath, chiropractor, dietician, reflexologist or acupuncturist. In most cases, neither will it be required if you need treatment by a psychologist in connection with stress.


2. Contact PFA at (+45) 70 12 50 00 

Once you have seen your doctor, we will need to approve the examination and/or treatment that your doctor has recommended or referred you to. As a rule, you will get an approval immediately, and afterwards you will receive a letter either by post or in your e-Boks with a summary of what we have discussed on the phone – for instance who you need to call to book a treatment.

If you need to see a psychologist, the psychologist will contact you to set a time for the consultation – therefore in this case you will not receive a letter.


3. Get started with the examination and treatment

Generally, we will refer you to a treatment facility within PFA’s quality-assured network, and we will settle the payment directly with the treatment facility.






Vi recommend that you go to My PFA and find out your exact coverage.

What does PFA Health Insurance cover?

The specifics of PFA Health Insurance vary depending on the agreement between your employer/organisation and PFA. If you log onto My PFA, you can see the details of your coverage.   

View your insurance cover at My PFA here >

You can use the examination and treatment options etc. right from the day you become covered by the health insurance plan; however, the need for treatment must have occurred during the insurance period.

If you have registered for voluntary health insurance, 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 registration.

PFA Health Insurance may, for instance, cover


Expenses for pre-examinations

Surgery/follow-up treatment:
Treatment and re-examination at hospitals and Clinics, or by specialists
Prescription-only medicine following treatment covered by the insurance
Rehabilitation ordered by a specialist
Temporary home help and home nursing care

Treatment by a psychologist

Examination and treatment of a mental illness by a psychiatrist

Substance abuse:
Treatment of abuse of alcohol, medicine and other intoxicants
Treatment of compulsive gambling
Log on to My PFA. In your terms and conditions of pension, you can see the exact cover that applies to you

Not covered by PFA Health Insurance (non-exhaustive)

Chronic illnesses which have arisen before you took out PFA Health Insurance. However, chronic musculoskeletal disorders may be covered by your PFA Health Insurance

Cosmetic surgery, forehead lift, eyelid lift

Glasses, contact lenses, hearing aids or dental treatment

Any treatment needs that occurred before you were covered by PFA Health Insurance 

Emergency treatments (for instance situations that require doctors from the emergency service or casualty ward)

Alternative treatment

Log on to My PFA and read in your terms and conditions of pension precisely which cover applies to you.