Insurance in Denmark

Denmark’s public health care is free with the yellow card, but some things are not covered. Here is what parents often look into. Hej Family doesn’t sell or recommend insurance.

Sygeforsikringen “danmark”

Being verified

A member-owned association, not a government service. In 2026 it pays 75% of the price of vaccines in groups 1, 2 and 5.

Coverage, costs & good to know

What it covers

Examples include vaccines outside the free programme, such as chickenpox, rotavirus, MenB, hepatitis A and travel vaccines. Check with danmark which vaccines are covered. It also offers subsidies for dentist, medicine, glasses, physiotherapy and psychologist costs. Children are covered free on a parent’s membership until 16 when the address and custody conditions are met.

What it doesn’t cover / limitations

Coverage depends on the membership group and current terms. Joining requires a CPR number and good health. Check the age rule for the 75% vaccine subsidy with danmark on 70 10 90 70.

Price example (2026)

Basis 396 kr/year; Group 5 1,740 kr/year; Group 1 3,836 kr/year; Group 2 4,552 kr/year.

Good to know for international families

If a parent is already a member when the baby is born, the baby’s health check is waived.

Sources

checked 09/11/2026

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Child accident insurance (børneulykkesforsikring)

Being verified

A private policy that can pay compensation after an accident. The daycare and kommune usually do not cover a child’s permanent injury if nobody is at fault.

Coverage, costs & good to know

What it covers

Typically a lump sum for permanent injury (usually from 5%), dental injury and some treatment, 24/7 worldwide, depending on the policy.

What it doesn’t cover / limitations

Terms, exclusions and compensation levels vary. Forbrugerrådet Tænk does not list accident insurance among the policies everyone needs.

Price example (2026)

From about 59 kr/month (insurer example).

Good to know for international families

Read the definition of permanent injury, dental coverage and exclusions before comparing policies. Hej Family does not recommend buying this insurance.

Sources

checked 09/11/2026

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Home contents + liability (indbo- og ansvarsforsikring)

Being verified

Home contents insurance covers your household belongings; personal liability insurance concerns damage you are legally liable for.

Coverage, costs & good to know

What it covers

Coverage depends on the policy. Liability only pays if someone is legally liable.

What it doesn’t cover / limitations

Young children can be liable from about 4–5 years. Parents pay up to 7,500 kr per incident if the child is at fault. Terms vary between insurers.

Good to know for international families

Check how your policy defines children’s liability and which household members are covered. Hej Family does not recommend buying this insurance.

Sources

checked 09/11/2026

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Travel insurance and the blue EU health card

Being verified

The yellow health card has not covered travel since 1 August 2014. The free blue EU health card can be ordered for children on borger.dk.

Coverage, costs & good to know

What it covers

The blue card covers medically necessary state health care in the EU/EEA and Switzerland on local terms.

What it doesn’t cover / limitations

The blue card does not cover being flown home. borger.dk recommends private travel insurance, often available as an add-on to home insurance.

Good to know for international families

Order blue cards for children before travel and check local co-payments and repatriation coverage. Hej Family does not recommend buying insurance.

Sources

borger.dk — the blue EU health card ↗

checked 09/11/2026

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Child illness / critical illness and private health insurance

Being verified

Illness policies can pay a lump sum for serious illness. Some employers’ health insurance can include children.

Coverage, costs & good to know

What it covers

Coverage varies by insurer and policy.

What it doesn’t cover / limitations

Typical exclusions include congenital and pre-existing conditions, psychiatric and learning conditions (for example ADHD and autism), and asthma, allergy or eczema below 30%. Waiting periods are about 6 months for babies under 1.

Good to know for international families

Check exclusions, waiting periods and whether workplace cover includes children. Hej Family does not recommend buying insurance.

Sources

checked 09/11/2026

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Compare and get neutral help

forsikringsguiden.dk (Forsikring & Pension + Forbrugerrådet Tænk) · Free neutral advice: Forsikringsoplysningen.

Most insurers need a CPR number and a Danish address.

Insurers that sell child policies, A–Z (not ranked)

Alka
Codan
Danica
GF
Gjensidige
If (via danmark)
LB
PFA
Topdanmark
Tryg

Hej Family gets no money from these

checked 9 Nov 2026

General information only, not financial or professional advice. Policy terms and prices change — read the current terms and check your own situation with the insurer or a neutral adviser.