Relocating to Denmark is a wonderful opportunity, but as an immigrant, there are a few things you should know.
It is a win-win if you understand Denmark insurance for immigrants, because it protects you when things go wrong.
You won’t have to spend extravagantly, like if you lose a job, fall ill or have an accident. There are a lot of things you would benefit from insurance.
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We will discuss the various insurance kinds, their costs, and the requirements for getting it.
Types of Denmark Insurance for Immigrant
In Denmark you would find a lot of insurance, but we are going to discuss the most important ones.
1. Health Insurance (Sygesikring)
One major advantage of immigrating to Denmark is having access to healthcare services. Because the healthcare system is public, basic medical services are provided to all citizens by the government.
Try to obtain your CPR number, which functions more like an ID number in Denmark. Once you have it, you can use the yellow health card (Sundhedskort) to gain immediate access to the healthcare system.
When you’re sick, you can use this card to pay little or nothing for doctor, hospital, or pharmacy visits.
While most medical procedures are covered, some individuals choose to purchase private health insurance in order to receive faster access to specialists or additional treatments that are not covered by public insurance.
Everyone living in Denmark legally is eligible for public health insurance, but if you’re still waiting for your residence permit or staying for a short time, you might need to get private health insurance to cover any emergencies.
2. Accident Insurance
Accident insurance helps pay for medical bills and other expenditures when you unintentionally secure an injury.
Accidents can occur outside or at work. Employers must mandate that their employees have accident insurance.
However, you must obtain private accident insurance if you are self-employed to safeguard yourself.
3. Unemployment Insurance (A-kasse)
This is not something the government forces you to get, but it’s a good idea. Unemployment insurance is managed by something called A-kasse.
If you lose your job, the A-kasse can help give you some money while you are on a search for new job.
How does this work? To get unemployment benefits, you must have been a member of an A-kasse for at least one year and have worked for 12 months out of the last three years.
If you lose your job, they will pay you up to 90% of what you used to earn, although there’s a maximum limit.
If you are an immigrants working in Denmark, you can join an A-kasse as long as they meet the work requirements.
Students can also join an A-kasse, and if they don’t find a job immediately after graduating, it is posible to also benefits from it.
4. Home Insurance (Indboforsikring)
Your personal belongings, such as furniture, gadgets, or clothing, are covered by home insurance in the event of a fire, flood, or theft.
It also includes liability insurance, which means if someone gets hurt in your house, or if you accidentally damage someone else’s property, it helps cover the costs.
You have to buy home insurance from private companies. The cost depends on the value of your belongings, and how much coverage you want.
Some landlords may even demand that you get this insurance before renting it to you in their home or flat.
Who is eligible? Anyone living in Denmark, whether renting or owning, can get home insurance. It’s not a law, but it’s smart to have it just in case something happens to your things.
5. Car Insurance (Bilforsikring)
In Denmark, you have to obtain auto insurance if you drive a car. Car insurance comes in a variety of forms, from basic (which covers accidents you cause to other people) to more comprehensive (which also covers damage to your own car).
You buy car insurance from a private company. Basic car insurance is called liability insurance and is the minimum you need by law.
However, if you wish to protect your own vehicle from harm or theft, you can also purchase more extensive insurance.
Who is eligible? If you have a car in Denmark you must get car insurance. You need at least third-party liability insurance by law, but getting more comprehensive coverage is up to you.
Tips for Choosing the Right Insurance
1. Know Your Residency Status
The type of insurance you can get depends on your residency status. The public health system in Denmark provides coverage if you are a lawful resident.
But if you’re still waiting for your residence permit, or staying short-term, you might need private insurance.
2. Think About Your Needs
If you think public health insurance is enough for your medical needs, you might not need private health insurance.
But if you want quicker access to doctors or more coverage for specific treatments, private insurance may be better.
3. Consider Your Job Situation
If you have a job, your employer will ensure that you have accident insurance. But if you’re self-employed or not working, you will need to buy it yourself.
Also, think about joining an A-kasse for unemployment insurance in case you lose your job.
4. Compare Insurance Providers
When looking for private insurance, it’s good to compare different companies to see which one gives the best coverage for your needs. Don’t just settle on the first option you see around.
5. Look at Family Coverage
If you’re moving to Denmark with your family, make sure everyone is covered.
The public health system generally covers everyone in the family, but for things like home or car insurance, you might need to include everyone in the plan.
The Importance of Denmark Insurance for Immigrant
1. It’s Required by Law
Some insurance, such as health and auto insurance, are obligatory in Denmark. Make sure you have them because not having them could result in fines or penalties from the law.
2. Access to Healthcare
Without health insurance, you wouldn’t be able to get treatment if you got sick. The healthcare system in Denmark is very good, but you need insurance to access it.
3. Financial Protection
Emergencies or accidents can happen anytime. Insurance is here to help you from having to pay out large sums of money in the event of an accident or damage to your house.
4. Peace of Mind
Peace of mind is underrated. You have peace of mind when you know that you’re protected in case something goes wrong.
If you know that your insurance will cover unforeseen expenses, you won’t need to worry about them.
Costs of Insurance in Denmark for Immigrants
In Denmark, insurance won’t break the bank, but be prepared to enjoy the benefits with what little money you do have.
1. Health Insurance
Public health insurance is free for residents because it’s funded through taxes. Private health insurance can cost between €30 to €200 per month, depending on the level of coverage.
2. Accident Insurance
If you’re employed, accident insurance is provided by your employer. For self-employed people, private accident insurance can cost around €100 to €500 a year, depending on the coverage.
3. Unemployment Insurance
Unemployment insurance (A-kasse) costs around €60 to €100 per month. This is a voluntary insurance but can be helpful if you lose your job.
4. Home Insurance
Home insurance costs around €10 to €50 per month, depending on how much coverage you need for your belongings.
5. Car Insurance
The cost of car insurance basically has to do with the coverage you choose. Basic third-party insurance can cost between €400 to €800 per year, while comprehensive insurance can go up to €1,500 or more annually.
Eligibility Requirements for Immigrants
1. Health Insurance Eligibility
You must have a Danish residence permit and CPR number to be covered by public health insurance. If you’re still waiting for your permit, you might need private health insurance.
2. Unemployment Insurance Eligibility
You must have been a long-standing member for at least a year and have worked for at least 12 months in the previous three years in order to be eligible for unemployment insurance (A-kasse).
In Denmark, obtaining insurance is not only recommended but sometimes also necessary for immigrants.
Therefore, make sure to include in insurance while you are making travel and other plans so that your trip to Denmark will be unforgettable.
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