Insurance and Health Insurance
Danish Health Insurance
The Danish Health Security Act covers international students at the University of Copenhagen staying for more than three months. Note, however, that you are not covered until you have registred with the Civil Registration Office/Borgerservice to get your cpr-number. It may take up to two weeks from the day you register until you receive your personal health insurance card. In case you need medical treatment during this period, you can still consult the doctor you are assigned when you register.
No University Insurance
The University of Copenhagen does not have a mandatory insurance policy which students are required to take out, and students are not covered by any insurance policies taken out by the University of Copenhagen. Therefore, we strongly encourage you to purchase general insurance to cover personal possessions, accident and liability as well as a health insurance (to cover you until you register with the Danish authorities) prior to your departure for Denmark. Contact your own international office for further advice on where to take out an insurance policy.
Other Insurance Policies
Alternatively you may take out an insurance policy with International Health Insurance (IHI) in Denmark. The IHI Study Abroad insurance covers for periods up to 24 months, and gives full protection in case of acute illness and injury. It also covers medical evacuation back to your home country, emergency repatriation and personal liability, among many other things. For further information please contact:
International Health Insurance Danmark a/s
Tel.: (+45) 33 15 30 99
General Insurance with Danish Providers
With regard to general insurance (personal possessions, accident and liability), you may contact the following Danish insurance companies if you are not able to take out an insurance prior to your departure. The companies provide information in English if you give them a call. Please note that it is also important that you take out House Contents Insurance. The companies listed below will cover students on short term stays in Denmark.
Tel.: Tel.: (+45) 33 30 60 10
www.almbrand.dk (website in Danish)
Tel.: +45 70 11 20 20
www.tryg.dk (website is in Danish)
The Danish Health Security Act covers students staying for more than three months. Note, however, that you are not covered until you have registred at the Civil Registration Office. Therefore we strongly encourage alll students to purchase additional insurance prior to their departure for Denmark. Note also that the Danish Health Insurance does not cover the costs of medical evacuation back to your home country, emergency repatriation and personal liability. For this reason we encourage students to purchase general insurance as well.
To be covered by the Danish Health Security Act, you must apply for the Health Insurance Card with the local civil registration office upon arrival. When you apply, you will be assigned a medical doctor in your area. If you have chronic medical problems requiring prescriptive medicine, it is a good idea to bring copies of your medical history issued by your local doctor. Please note that medicine is not free in Denmark.
When you register for your Health Insurance Card, you also get a personal identity number called a cpr-number.
Non EU/EEA and Non-Nordic Students
Students from non-EU/EEA and non-Nordic countries staying for more than three months should apply for a Health Insurance Card upon arrival. The certificate is valid immediately after you have registered with the local civil registration office – "Folkeregistret/Borgerservice". It is therefore strongly recommended that you register as soon as soon as possible upon arrival in Denmark.
EU and EEA Students
European students who are planning to stay for more than 3 months should bring the European Health Insurance Card from their local health insurance office. This card is proof that you are entitled to health insurance at home, and therefore it entitles you to apply for the regular Danish Health Insurance upon arrival in Denmark. It also entitles you to free medical care in Denmark until the Danish Health Insurance covers you. British and Austrian students are covered under the Danish Health Insurance. If a British student requires medical assistance, before they receive their Health Insurance Card, they should show their passport to the doctor and refer to the special agreement with Denmark.
Nordic students are covered for up to six months by the Danish Health Security Act, if you need acute medical treatment. If you are staying for more than six months, you must bring the "internordiske flyttepapirer" and use these when applying for a Health Insurance Card.
For more information about moving within the Nordic countries, please see Hallo Norden