Critical illness

Requirements for taking out a personal insurance cover:

Anyone between the age of 18 and 50 can take out the insurance cover. You only need to provide satisfactory health information.

We also require that you set up a Danica pension scheme with a minimum annual contribution of:

• DKK 3,000 to receive a payout of DKK 96,250
• DKK 6,000 to receive a payout of DKK 192,500.

Requirements for taking out a company insurance cover:

The insurance cover can only be taken out through your employment if your employer has a Danica company pension scheme that includes cover for certain critical illnesses. You can usually choose between different coverages.

If you want to learn more about your options and the price of your company pension scheme, please feel free to call us on +45 70 11 25 25.

As from 1 January 2026, the annual price of the personal insurance cover is:

• DKK 2,250 to receive a payout of DKK 96,250 
• DKK 4,500 to receive a payout of DKK 192,500 

If you set up a personal insurance cover for critical illness, you must also contribute to a pension scheme. You must contribute at least DKK 3,000 to your pension scheme annually if you have a cover of DKK 90,900. 

If your cover is DKK 181,800, your annual contributions must be at least DKK 6,000. 

Personal insurance cover payouts:
With an insurance cover for critical illnesses, we will pay you DKK 85,050 or DKK 170,100, depending on your choice of coverage. The payout will be in the form of a lump sum and will be at your disposal right away.

Company insurance cover payouts:
If your insurance cover is taken out through your employer, you can see whether it includes cover for critical illness in your Netpension. You can also see your coverage, which you may be able to increase yourself to fit your exact needs. If you want to learn more about your options and the price of a higher payout, feel free to call us on +45 70 11 25 25.

Insurance conditions
Together with your statement of cover, we sent you the insurance conditions applying to you by ordinary mail or in your e-Boks. You received the insurance conditions either when you established your pension scheme, or if your pension scheme was subsequently changed.

New insurance conditions as from 1 January 2022
We changed the insurance conditions at 1 January 2022. When the changes come into effect for you, you can see the insurance conditions applying to you in Netpension. You can see when that is in our letter sent to you in November 2021.

If you established your pension scheme after 17 November 2005, you can always see the insurance conditions applying to you in your pension overview in Netpension.

Information on insurance product
To ensure greater transparency, you must be able to compare Danica's non-life insurance products with those of other companies. This is pursuant to an EU directive which came into force on 1 October 2018. We must inform you of this right before you enter into an agreement with us, and you can find answers as to what, where and how the insurance covers here.