Dansk Tandforsikring

What Dansk Tandforsikring does

Dansk Tandforsikring is a Danish specialty insurance provider focused exclusively on dental insurance for individuals and businesses. Founded in 2010 and headquartered in Charlottenlund, the company is owned by Norwegian insurer Gjensidige Forsikring ASA, with policies underwritten through Gjensidige's Danish branch (supervised by the Norwegian FSA and member of the Danish Guarantee Fund for non-life insurers). Operating across two legal entities — the insurance carrier Dansk Tandforsikring A/S and the administration/marketing entity Dansk Tandforsikring Administration ApS (CVR 32669999) — the firm offers a portfolio built around a proprietary graduated-coverage structure ("20-40-60") that reimburses 20% of dental bills in year one, 40% in year two, and 60% from year three onwards, with 100% reimbursement of annual checkups and cleanings up to DKK 1,000. Product tiers include Tandsikring Basis, Tandsikring PLUS, Familietandforsikring, and Medarbejdertandforsikring for individuals and families, plus Tandsikring Erhverv (up to 80% coverage, DKK 20,000 annual maximum) and Erhverv 20-40-60 for small businesses with 1–4 employees.

The technology stack centers on a digital claims-processing platform fronted by the Mit DTF customer portal (MitID-authenticated) and mobile apps on iOS and Android. A key differentiator is direct electronic integration with DentalSuite, the practice management system used by approximately 60% of Danish dentists, which enables dentists to submit claims on the patient's behalf with no manual upload. The company has also deployed text-based AI for customer Q&A and automated claims adjudication. Distribution combines direct-to-consumer online purchase, a dedicated commercial sales team, payroll-integrated B2B via Visma-Dataløn, cross-sell through Gjensidige Forsikring, and a broad network of Danish pension brokers. Revenue is generated through recurring subscription premiums that scale with customer age band (DKK 1,074–4,161 annually for individuals; DKK 1,074–3,995 per employee for commercial), plus a free email newsletter used as a top-of-funnel lead-generation tool.

Name

Dansk Tandforsikring

Legal name

Dansk Tandforsikring Administration ApS

Website

https://dansktandforsikring.dk

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Dansk Tandforsikring is a Denmark-based dental insurance provider offering graduated-coverage individual plans and commercial employee dental policies, distributed direct-to-consumer, via Visma-Dataløn payroll integration, and through Gjensidige Forsikring and pension brokers since 2010.

Ownership category

akta.pro rank

Product category

Dental Insurance

NAICS

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

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Individual Dental & Vision Plans (FSAIAHAI)

akta.pro secondary industry

Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ)

Keywords

• Dental insurance
• Employer-sponsored coverage
• Individual health plans
• Commercial insurance schemes
• Family dental coverage

Headquarters

HQ city

Charlottenlund

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Dental Insurance Premiums: Annual and monthly insurance premiums paid by individual customers and employers for dental coverage. Premiums are age-dependent and vary based on the specific insurance plan (20-40-60 or Commercial). Individual policies can be purchased directly online, while commercial schemes are invoiced to companies.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Dansk Tandforsikring is a Danish dental insurance provider that sells a portfolio of dental insurance plans covering examinations, cleanings, fillings, root canals, crowns, bridges, implants, periodontitis treatment, surgery, and x-rays. Its core individual product is the "20-40-60" plan with graduated coverage (20% year 1, 40% year 2, 60% year 3+) and 100% reimbursement for annual checkups and cleaning up to DKK 1,000. It also offers commercial plans (Tandsikring Erhverv and Erhverv 20-40-60) for businesses providing dental coverage as an employee benefit.

Product overview

Dansk Tandforsikring is a Danish dental insurance provider operating since 2010 as part of Gjensidige Forsikring ASA (Norway). The company offers a portfolio of dental insurance products to both individuals and businesses. For individuals, the core product is the Tandsikring 20-40-60 plan with graduated coverage increasing from 20% to 60% over three years, supplemented by Basis and PLUS tiers. For businesses, the company offers Tandsikring Erhverv (up to 80% coverage) and Erhverv 20-40-60 (graduated coverage for small businesses with 1-4 employees), along with family and employee dental insurance variants. All insurance products are administered through the Mit DTF customer portal, where policyholders can submit claims via manual upload or through the DentalSuite integration with Danish dental practices.

Differentiator

Problem solved

Functional benefit

Brands

• Tandsikring 20-40-60: A dental insurance product that covers 20% in the first year, 40% in the second year, and 60% from the third year onwards, with 100% reimbursement for dental cleaning and check-ups up to DKK 1,000 per year.
• Tandsikring Erhverv
• Erhverv 20-40-60

Products and services

• Tandsikring 20-40-60 (Dental Insurance 20-40-60) Individual dental insurance with graduated coverage: 20% in year 1, 40% in year 2, 60% from year 3 onwards. Annual checkups and cleaning reimbursed at 100% up to DKK 1,000. Covers examinations, cleanings, fillings, root canals, crowns, bridges, implants, periodontitis, surgery, anesthesia, and x-rays. Premium is age-dependent.
• Tandsikring Erhverv (Dental Insurance Commercial) Business dental insurance offering up to 80% coverage of dental bills for employees, covering approximately 90% of all dental treatments. Available as mandatory schemes for all employees or portions of the organization. Premiums are tax-deductible for companies and payouts are tax-free for employees. Starting from DKK 60/month per employee with up to DKK 20,000 annual maximum.
• Erhverv 20-40-60 (Commercial 20-40-60) Business dental insurance designed for small companies with 1-4 employees with a graduated coverage structure: 20% first year, 40% second year, 60% from third year onwards. Covers examinations and dental cleaning at 100% up to DKK 450/year. Employers can enroll individual employees on an ongoing basis.
• Tandsikring Basis (Dental Insurance Basic) Entry-level dental insurance option for individuals with basic coverage for dental treatments at reduced premium rates.
• Tandsikring PLUS Enhanced dental insurance product with broader coverage and higher benefit limits than the basic plan.
• Familietandforsikring (Family Dental Insurance) Family dental insurance covering multiple family members under a single policy, available in variants linked to commercial products, financial sector schemes, or as voluntary group insurance.
• Medarbejdertandforsikring (Employee Dental Insurance) Employee dental insurance available as mandatory commercial insurance with 50-80% coverage, including options with deductibles and schemes through the Danish Employers' Association for the Financial Sector.
• Mit DTF (My DTF) Customer Portal Online customer portal enabling policyholders to log in with MitID, upload dental bills, track claims status, view reimbursement history, and access personal dental coverage information.

Quantifiable outcome

• Reduces employee sick days by up to 30%

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• Visma-DataløncoreChannel Partner/ Reseller/ DistributorPartnership with Visma-Dataløn enables companies to set up dental insurance schemes for employees with premium deduction through payroll. The scheme includes one annual examination and dental cleaning reimbursed at 100%. Premium can be paid by company or employee and is conveniently deducted from the paycheck.
• Gjensidige ForsikringcoreChannel Partner/ Reseller/ DistributorCompanies with existing health insurance schemes through Gjensidige Forsikring can add dental insurance coverage on favorable terms. This partnership leverages existing customer relationships for cross-selling dental insurance products.
• Pension Brokers (Danish)minorChannel Partner/ Reseller/ DistributorCollaboration with most Danish pension brokers who offer dental insurance on attractive terms as part of employee benefits packages. Brokers facilitate distribution to their existing corporate client base.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Alm. Brand: Alm. Brand is a Danish insurance and banking group offering non-life, life, and health insurance to individuals and businesses in Denmark. Its health and accident products overlap with Dansk Tandforsikring's dental offerings, particularly through employer benefit programs.
• Bupa Dental Insurance: Bupa is a global health insurance and healthcare provider whose UK dental insurance products overlap directly with Dansk Tandforsikring's offerings — covering examinations, cleanings, and major restorative work through individual and employer-sponsored plans. A broader incumbent with deep dental expertise.
• Tryg Forsikring: Tryg is one of the largest non-life insurance groups in the Nordics, with operations in Denmark through Tryg Forsikring. It offers a broad portfolio of personal, commercial, and health-adjacent coverages that overlap with Dansk Tandforsikring's commercial and individual dental offerings, particularly in the employer benefits channel.
• If Skadeförsäkring: If is the largest property and casualty insurer in the Nordics, owned by Sampo Group. If Denmark offers health and accident insurance products that include dental coverage elements, making it a broad incumbent competing for the same employer-sponsored benefits wallet that Dansk Tandforsikring targets.
• Codan Denmark: Codan Denmark (part of Intact Financial's RSA acquisition) is a broad-line Danish insurer offering personal and commercial coverage including health/dental-related products. It competes with Dansk Tandforsikring in the Danish employer benefits and individual insurance segments through broker and direct channels.
• Gjensidige Forsikring ASA: Gjensidige Forsikring ASA is the parent company of Dansk Tandforsikring and one of the largest Nordic insurance groups. As a broad incumbent, Gjensidige offers property, casualty, life, and health/dental insurance across Norway, Denmark, and other Nordic markets, including the dental policies underwritten through Dansk Tandforsikring's Danish branch.
• Topdanmark: Topdanmark is one of Denmark's largest insurance companies, offering life, pension, and non-life insurance to individuals and businesses. Its health and accident insurance lines include dental-related coverage, putting it in direct competition with Dansk Tandforsikring's individual and commercial dental products in the Danish market.

Direct peers

• Denplan (Simplyhealth): Denplan, owned by Simplyhealth, is the UK's leading specialist dental payment plan and insurance provider. It is one of the closest direct peers to Dansk Tandforsikring as a standalone dental-focused insurer/payment plan provider serving individuals, families, and corporate clients with subscription-based dental coverage.

Others

• Visma Dataløn: Visma Dataløn is a Danish payroll and HR software provider and a core distribution partner of Dansk Tandforsikring. While not a competitor, Visma enables payroll-integrated dental insurance enrollment and premium deduction, making it a critical ecosystem partner for Dansk Tandforsikring's commercial growth strategy.
• DentalSuite: DentalSuite is a dental practice management system used by approximately 60% of Danish dentists. It is an enabling ecosystem partner that allows dental bills to be submitted electronically directly to Dansk Tandforsikring, eliminating friction for both patients and practices and forming the operational backbone of the company's claims processing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/DanskTandforsikring

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

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 Tandforsikring