Home/Denmark

🇩🇰

Best Health Insurance in Denmark

6 insurers ranked and reviewed · Updated May 2026

Sources:Forbrugerradet TaenkForsikring & Pension

Healthcare System Overview

Denmark provides universal public healthcare through a tax-funded system managed by five regions. All residents with a yellow health card (sundhedskort) receive free GP visits, hospital care, and partial coverage for prescriptions. About 2 million Danes have supplementary insurance through Sygeforsikringen 'danmark,' and ~1.7 million have employer-provided private health insurance for bypassing waiting lists.

Sygeforsikringen "danmark"

public2.8M members

94Score

Taenk: Best Reputation in Denmark(2026)F&P: Largest Health Association(2026)

★★★★☆4.5satisfactionFinancial strength: Very strong (non-profit mutual reserves)

Population Coverage

~48% of Denmark

Model

Non-profit mutual

Monthly Premium

~DKK 100-200/month

Covers ~48% of Denmark's population
Non-profit mutual — profits returned to members
Reimburses dental, physiotherapy, glasses, medicine
Very low cost at ~DKK 100-200/month

View DetailsGet Quote→

Tryg Forsikring

Tryg Forsikring A/S

private2.0M members

92Score

F&P: #1 Non-Life Insurer(2026)

★★★★☆4.2satisfactionFinancial strength: AA- (S&P)

Non Life Market Share

~22-23%

Founded

1731

Sp Rating

AA-

Denmark's #1 non-life insurer (~22-23% market share)
One of world's oldest insurance companies (1731)
Sundhedsforsikring for bypassing waiting lists
Strong employer group health plans

View DetailsGet Quote→

Topdanmark Forsikring

Topdanmark Forsikring A/S

private1.0M members

87Score

F&P: #2 Non-Life Insurer(2026)

★★★★☆4.0satisfactionFinancial strength: Strong (Sampo Group shareholder)

Non Life Market Share

~20%

Founded

1898

Major Shareholder

Sampo Group

Denmark's #2 non-life insurer (~20% market share)
Strong in SME and mid-market health insurance
Competitive pricing vs Tryg
Growing digital health services

View DetailsGet Quote→

PFA Pension

private1.3M members

82Score

F&P: Largest Pension + Health Bundle(2026)

★★★★☆4.1satisfactionFinancial strength: Very strong (DKK 800+ billion AUM)

Model

Customer-owned

Assets Under Management

DKK 800+ billion

Focus

Pension + health bundle

Denmark's largest pension company with health insurance
Customer-owned model
Health insurance bundled with pension/life
Strong employer relationships and partnerships

View DetailsGet Quote→

Alm. Brand Forsikring (incl. Codan)

Alm. Brand Forsikring A/S

private800K members

80Score

F&P: Strong Combined Brand(2026)

★★★☆☆3.8satisfactionFinancial strength: Growing (post-Codan acquisition)

Founded

1792

Recent Acquisition

Codan Denmark

Focus

Personal lines + growing health

Strong combined brand after Codan merger
Heritage dating to 1792
Growing health insurance portfolio
Strong personal lines presence

View DetailsGet Quote→

If Forsikring (If P&C Insurance)

If Skadeforsikring

private500K members

78Score

F&P: Pan-Nordic Insurer(2026)

★★★☆☆3.9satisfactionFinancial strength: Strong (Sampo Group)

Parent Company

Sampo Group (Finland)

Scope

Pan-Nordic (DK, SE, NO, FI)

Focus

Employer health insurance

Pan-Nordic insurer — strong across Scandinavia
Employee health insurance specialist
Digital-first claims process
Nordic roots dating to 1776

View DetailsGet Quote→

About Health Insurance in Denmark

Our editorial team has evaluated and ranked the top 6 health insurers in Denmark based on editorial ratings from trusted sources, customer satisfaction, financial strength, and coverage quality. Rankings are updated regularly to reflect the latest market changes.

Affiliate Disclosure

Some links on this page are affiliate links. If you click through and purchase a plan, we may earn a commission at no extra cost to you. This helps us keep the site free and our reviews independent.