Videncenter for Helbred & Forsikring

What Videncenter for Helbred & Forsikring does

Videncenter for Helbred & Forsikring is an independent Danish association (forening) founded in 1984 that provides insurance medicine advisory services to life insurance companies and pension funds. Its core offerings are: (1) Guidelines for Health Assessment (Retningslinjer), used by insurers to evaluate risk for applicants with health conditions; (2) Individual Risk Assessments, conducted by the Medical Committee, which places applicants into risk classes; and (3) the Health Register (Helbredsregister), a database containing 1.8 million observation years of health data from over 250,000 assessed individuals, which underpins the Danish Financial Supervisory Authority's annual life expectancy benchmark. The business model is membership-based: insurance companies and pension funds pay recurring fees for access to guidelines, advisory services, and the register. Category 1 members include AP Pension, Danica, Nordea Pension, PFA Pension, Sampension, and Velliv; Category 2 covers pension funds such as AkademikerPension and PKA; Category 3 covers industry-adjacent organizations. The organization operates from a single headquarters in Virum, Denmark, with approximately 15 staff and no subsidiaries, and does not sell directly to consumers.

Name

Videncenter for Helbred & Forsikring

Legal name

Videncenter for Helbred & Forsikring

Website

https://helbredogforsikring.dk

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

Videncenter for Helbred & Forsikring is an independent Danish association that provides insurance medicine guidelines, individual risk assessments, and a health register to member life insurance companies and pension funds, enabling underwriting of applicants with health conditions.

Ownership category

akta.pro rank

Product category

Insurance Risk Assessment Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Quality, Risk Adjustment & Stars Analytics/Services (FSAIAGAJ)

Keywords

• Insurance medicine advisory
• Health risk assessment
• Underwriting guidelines
• Actuarial medical assessment
• Insurance mortality statistics

Headquarters

HQ city

Virum

HQ country

Denmark

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure

Revenue model

1. Membership fees from insurance companies and pension funds: The organization is financed by its members, which are insurance companies and pension funds. The membership fees fund the organization's operations including guideline development, health assessments, and statistical research.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Videncenter for Helbred & Forsikring is an independent association that advises Danish insurance companies and pension funds on medical health assessments used in underwriting. Its core offering is updated insurance-medicine expertise packaged as health assessment guidelines, individual risk assessments performed by a Medical Committee, and a maintained health register with mortality and morbidity statistics. Member insurers use these services to set appropriate premiums and terms for applicants with affected health profiles.

Product overview

Videncenter for Helbred & Forsikring operates as a medical advisory center offering a unified suite of insurance medicine services. The core offering consists of Guidelines for Health Assessment, Individual Risk Assessments conducted by the Medical Committee, and a Health Register database. These components work together to provide insurance companies with actuarial and medical expertise for evaluating policy applicants with health conditions. The center also publishes research articles and provides membership services to insurance and pension companies in Denmark.

Differentiator

Problem solved

Functional benefit

Products and services

• Guidelines for Health Assessment (Retningslinjer)

Quantifiable outcome

• Most insurance applicants with health conditions can obtain coverage, either at standard terms or with adjusted terms (higher premium or with exclusions)
• +1 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core, minor and support.

• Insurance companies (Category 1 members)coreOthersCategory 1 members are insurance companies with concessions for life insurance in Denmark. These include AP Pension, Danica, Nordea Pension, Norli Liv og Pension, PFA Pension, Sampension, and Velliv. Life insurance companies have access to the organization's health register. These companies use the organization's guidelines and advisory services for health risk assessments.
• Pension funds (Category 2 members)coreOthersCategory 2 members are pension funds including AkademikerPension, Lægernes Pension, Lærernes Pension, ISP Pension, Pædagogernes Pension, Pensionskassen for Farmakonomer, PKA, and others. These pension funds use the organization's services for health risk assessment.
• Other organizations (Category 3 members)minorOthersCategory 3 members are other organizations affiliated with the insurance industry including Betri Pensjón, Forca, Forenede Gruppeliv, Industriens Pension, LÍV, Patienterstatningen, PenSam, PensionDanmark, and Sygeforsikringen danmark.
• Bech-Bruun AdvokatpartnerselskabsupportTechnology or IntegrationBech-Bruun serves as the organization's Data Protection Officer (DPO). They can be contacted for questions about data protection rights. The firm is located at Gdanskgade 18, 2150 Nordhavn, Copenhagen.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• SCOR: Global life and health reinsurer with mortality research, biometric underwriting tools, and advisory services to primary insurers. Comparable in life/health risk-classification advisory.
• Gen Re (General Reinsurance): Berks Hathaway-owned global life/health reinsurer offering underwriting guidance and mortality research to cedants. Comparable in delivering insurance-medicine expertise to primary insurers.
• Munich Re: Global reinsurer with deep life & health underwriting expertise, significant mortality/morbidity research capabilities, and proprietary risk-classification frameworks. Comparable because Munich Re performs insurance medicine advisory-style functions for cedants at much larger scale.
• Hannover Re: Major life & health reinsurer with substantial mortality research and underwriting advisory services for primary insurers. Overlapping risk-assessment and medical-acceptance advisory activity makes it a scale analogue.
• Swiss Re: Large reinsurer with a Life & Health division publishing mortality/longevity research, sigma reports, and underwriting medical guidelines. Comparable in the insurance-medicine-research function though at global reinsurer scale.
• RGA (Reinsurance Group of America): Global life reinsurer focused on mortality, morbidity, and longevity risk, with proprietary automated underwriting platforms (AURA) that perform health-based risk classification. Adjacent to Videncenter's underwriting risk-assessment mandate.
• Pacific Life Re (now Munich Re Life US): Life reinsurer with mortality research and underwriting advisory capabilities for life insurers, including health-based risk selection. Comparable activity, broader geographic scope.

Others

• Institute and Faculty of Actuaries (IFoA): UK actuarial body that houses the Continuous Mortality Investigation and produces mortality research used by UK insurers. Functions as an industry-funded knowledge/research centre analogous to Videncenter at a different jurisdictional scale.
• Society of Actuaries (SOA): US-based professional actuarial body producing mortality tables, research, and educational resources used across the insurance industry. Comparably positioned as an industry-funded institution producing shared mortality/morbidity research.

Direct peers

• Continuous Mortality Investigation (CMI): UK-based actuarial body that pools mortality/morbidity data from life insurers and produces self-pooled mortality tables and projections. Directly comparable to Videncenter's annual insured-population mortality calculations used by FSA, though national scope rather than insurance-medicine specific.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/videncenter-for-helbred-og-forsikring

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Videncenter for Helbred & Forsikring