Dansk Sundhedssikring

Name

Dansk Sundhedssikring

Legal name

Forsikringsselskabet Dansk Sundhedssikring A/S

Website

https://ds-sundhed.dk

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE), Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

Keywords

• Health insurance
• Private healthcare coverage
• Critical illness insurance
• Healthcare navigation services
• Corporate health benefits

Headquarters

HQ city

Copenhagen

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premiums: Monthly or annual subscription-based insurance premiums paid by individuals and businesses for health insurance coverage. Premiums vary by product tier (Flex, Basis, Senior), coverage level, and number of covered family members.
2. Corporate Health Insurance Plans: Business health insurance packages offered to companies for their employees, with options for different coverage levels and add-ons

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Dansk Sundhedssikring sells private health insurance products to individuals and businesses in Denmark, including entry-level (Flex), comprehensive (Basis), and senior (Senior) plans covering physiotherapy, chiropractic, psychologist, specialist consultations, and health navigation. It also offers Critical Advantage (Alvorlig Sygdom) coverage for cancer, neurosurgical and transplant treatment abroad, and Koordinator360, a care coordination service that assigns personal contact nurses for families facing serious illness.

Product overview

Dansk Sundhedssikring operates as a health insurance provider offering a portfolio of core health insurance products (Sundhedsforsikring Flex, Basis, and Senior) covering physical and mental healthcare, plus specialized critical illness coverage (Alvorlig Sygdom/Critical Advantage) with international treatment access, and a care coordination service (Koordinator360). The portfolio also includes optional add-ons (Tilvalg A-K) such as specialist therapies (acupuncture, reflexology, osteopathy, dietician), physiotherapy without doctor referral, addiction treatment, private hospital coverage, chronic condition treatment, online emergency doctor, extended psychiatric assessment, and surgery for chronic musculoskeletal conditions. Add-ons like Cancer Care and Demensnavigator extend the core products for specific conditions.

Differentiator

Problem solved

Functional benefit

Brands

• PrimaCare: Ensures customers' access to the best network of quality-assured healthcare providers in Denmark.
• DSS Hälsa

Products and services

• Sundhedsforsikring Basis Standard health insurance covering physiotherapist, chiropractor and psychologist treatment; specialist doctor examination with a 10-working-day treatment guarantee; and health navigation services. Monthly: 336 DKK (adults), 95 DKK (children 0-24 years). Targeted at individuals and families seeking comprehensive specialist access.
• Sundhedsforsikring Flex Flexible entry-level health insurance providing easy access to online psychological treatment and musculoskeletal care (physiotherapist, chiropractor, osteopath), plus nurse and doctor health advice. Monthly: 203 DKK (adults), 109 DKK (children 0-24 years). Targeted at young adults and individuals seeking flexible digital and physical therapy access.
• Sundhedsforsikring Senior Health insurance tailored for retirees or those leaving the workforce (available from age 60). Covers specialist doctors, physiotherapists, psychologists, and cataract treatment with no upper age limit. Monthly: 351-463 DKK depending on age bracket. Targeted at seniors requiring age-specific coverage.
• Alvorlig Sygdom (Critical Advantage) Critical illness coverage providing access to cancer, neurosurgical and transplant treatment abroad, covering travel, accommodation, examinations and treatment for the insured and a companion. Insurance sum of EUR 1,000,000 per person per year with EUR 2,000,000 lifetime. Monthly: 160 DKK. For policyholders aged 18-64 and children 0-27 years.
• Koordinator360 Care coordination service assigning a personal contact nurse to help navigate the public healthcare system during serious illness, with advice on treatment pathways. Covers policyholder, spouse/partner, children, and optionally grandparents. Monthly: 67 DKK (family), 156 DKK (full family including 4 grandparents). Targeted at families needing support during serious illness.

Quantifiable outcome

• 98% of claims receive response within 24 hours
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and major.

• PrimaCare A/ScoreTechnology or IntegrationPrimaCare is the sister company of Dansk Sundhedssikring and ensures customers' access to the best network of quality-assured healthcare providers in Denmark. PrimaCare manages the provider network that DSS uses for physiotherapy, psychology, and other treatments.
• DSS Hälsa ABcoreStrategic or Co-development PartnerDSS Hälsa is the Swedish counterpart of Dansk Sundhedssikring, providing similar health insurance services in Sweden. Together with PrimaCare, they form Oona Health A/S.
• Oona Health A/ScoreOthersParent company of Dansk Sundhedssikring A/S, PrimaCare A/S, and DSS Hälsa AB. Oona Health is ultimately owned by If and Sampo Group. The group is committed to UN Global Compact principles and Sustainable Development Goals.
• Healthcare Provider NetworkcoreOthersDSS cooperates with a wide range of different healthcare providers in a network, including PrimaCare as well as individual clinics and therapists. Network includes quality-assured providers for physiotherapy, psychology, and specialist treatments across Denmark.
• Broker/Partner Network (60+)majorChannel Partner/ Reseller/ DistributorDSS works with more than 60 partners who distribute health insurance products. Partners include brokers and resellers who provide insurance to their customers. DSS equips partners to provide credible advice to mutual customers with quick and accurate responses.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Skandia: Swedish life and health insurer with a strong Nordic footprint and a focus on occupational health and disability products. Comparable in health and protection products to DSS and directly relevant to the Nordic expansion thesis via DSS Hälsa.
• Tryg: Leading Nordic non-life insurer with health and personal accident offerings in Denmark, Norway, and Sweden. Comparable in corporate health benefits distribution and product structure to DSS's B2B book.
• Codan: Major Danish insurance carrier (part of Intact Financial) offering health, motor, and property insurance to individuals and corporates. Overlaps with DSS in employer-sponsored health insurance but competes with a much broader non-life portfolio.
• Gjensidige: Large Nordic insurance group offering health, accident, and P&C products across Norway, Sweden, and Denmark. A broad incumbent that competes with DSS for Nordic employer health benefit budgets.
• If Skadeförsäkring: Parent of DSS through Oona Health A/S and a major Nordic P&C insurer. Overlaps with DSS in the Nordic health and accident insurance space, including direct employer health products in Sweden and Denmark.
• Folksam: Swedish mutual insurer with a broad portfolio including life, health, and accident cover. Comparable to DSS on supplemental health and accident products, particularly relevant to the Swedish market entry via DSS Hälsa.
• Topdanmark: One of Denmark's largest non-life insurers, providing health, accident, motor, and property products to both private and business customers. A broader incumbent that competes with DSS in the corporate supplemental health segment.

Direct peers

• Euro Accident: Nordic specialist in health and accident insurance for both individuals and corporates across Sweden, Norway, and Denmark. Closely comparable in product focus, customer base, and channel strategy to DSS.
• PFA Sundhed: PFA's health insurance arm and one of the largest Danish occupational pension and insurance groups, offering supplemental health insurance to individuals and corporate clients in Denmark — directly comparable to DSS's core Flex/Basis/Senior product portfolio.

Emerging players

• Aleris: Nordic private healthcare provider that partners with insurance carriers (including DSS) to deliver specialist and surgical capacity. Functions as both a competitor and channel partner in the private health ecosystem that DSS serves.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat7 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/10776953

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dansk Sundhedssikring