Danica Reviews 

It's insane! I changed my scheme in May; after 4 months, the new scheme is still being processed. When I called the service line, the adviser told me that the person working on my case is missing some documentation.

My reaction is: Why didn't this employee contact me in the past few months?

Basically, my pension is being transferred to Danica and isn't appearing anywhere because the new scheme hasn't been created yet.

I use Danica pension both for my pension and for health insurance. They are really fast to react, the processes are straightforward. I was really satisfied to have access to competent private hospitals.

Very fast, very convenient and mega efficient !

I filled out the forms to start my pension here, and it was a smooth ride!

The app is easy and intuitive. I got well informed and K easily navigated the site.

The consultant was very professional and helpful

Good job. Good service

I have had Danica Health Insurance for a couple of years now, and unfortunately, I am not impressed.

The first issue is the highly bureaucratic and overcomplicated process. It feels as though you have to answer countless questions before you can even choose the specialist you want to see. I say "choose" because Danica clearly prefers that you use its own network providers, and if you want to see someone else, you are often required to provide additional documentation or referrals. The lack of flexibility and trust in customers is noticeable.

Even when using Danica's recommended providers, the experience can be frustrating. For example, when I was looking for an eye specialist, some of the providers listed by Danica told me they had already informed Danica that they no longer offered the relevant service. It is disappointing to spend time navigating the system only to discover that the information is outdated.

Another issue is the quality of some of the providers in the network. In my experience with FysioDanmark, getting appointments was easy, but the treatment itself was disappointing. The approach seemed to focus mainly on prescribing exercises rather than providing meaningful treatment. Meanwhile, if you want to use a physiotherapist you already know and trust, even with a doctor's recommendation, you are limited to 12 sessions within a 12-month period.

For comparison, I have had significantly better experiences with PFA, which offers greater flexibility and a more customer-focused approach.

The complaints process is also extremely slow. In my case, it took nearly two weeks to receive a response. The platform itself is in English, which may already be a barrier for some Danish customers. Ironically, when the response finally arrived, it was written in Danish and simply repeated the policy terms regarding treatment limits, while completely ignoring the concerns I had raised about the service provider.

Overall, Danica Health Insurance feels like a heavily administrative organisation trying to present itself as modern, agile, and customer-focused, while delivering the opposite experience. The processes are slow, the information is not always up to date, and accountability appears to be lacking.

Based on my experience, I would recommend considering alternative providers. PFA has been considerably better.

Rating: one big rotten potato from me.

Super god rådgivning

Good to invest and generate results

It was easy to understand and follow the steps

Overly complicated when trying to access health insurance. Just booking an appointment (with no approvals needed) takes 26-clicks.

More effort needs to be put into a simpler process to access health insurance claims.

Easy experience to fill in the claims.

Amazing experience i would recommend Danica for everyone.

They advertise themselves everywhere, but when you actually need to use the insurance, it becomes a completely different story.

You’re basically forced to choose from their limited list of doctors if you want to be covered. That’s honestly so annoying. Doctors are not something you just pick from a random list. People trust specific doctors for a reason. Maybe you feel comfortable with someone, maybe you’ve been going to them for years, maybe you just trust them more. Why should that not matter?

Because of this system, most of the time you don’t even get a refund unless you follow their list exactly. So what are we even paying for then? and they say it is our coverage rules blah blah. basically Cult!

And let’s be honest, all doctors in Denmark already have CVR numbers and are authorized to practice. So why does Danica need to create their own list on top of that?

It just makes you wonder what’s really going on behind it. Why are patients being pushed toward specific doctors? Is Danica getting commisions from the doctos they send patient to ??

Because right now, it just controling and unfair.