Health Insurance Instantly

What Health Insurance Instantly does

Health Insurance Instantly (legal entity: Health Insurance Instantly Agency A/S, CVR 36737069) is a privately held Danish insurance broker founded in 2015 and headquartered in Copenhagen, with an additional office in Stockholm. The company operates as the exclusive Nordic distribution partner for two international private medical insurance underwriters — Cigna Healthcare and Now Health International — reselling tiered international health insurance products (Cigna Silver/Gold/Platinum with annual benefit limits up to unlimited; Now Health SimpleCare and WorldCare up to 42.8 million SEK) to Danish, Swedish, and Nordic customers. The company earns recurring sales commissions on each policy sold and assumes no underwriting risk on its own balance sheet.

Distribution is advisory-led rather than self-serve: prospective customers request quotes through the website, then receive personalized phone or video consultations with in-house advisors before policies are issued by the underlying carriers. Value-added services layered onto the core insurance include a free teledoctor service (Læge via Mobil) powered by Eyr Medical, a psychology-matching partnership with Healper covering 1,100+ Danish psychologists, and member-organization referral arrangements with Danes Worldwide and Svenskar i Världen. The technology stack consists of HubSpot CRM and the carriers' digital customer portals (Now Health Portfolio, Cigna Customer Area); the company does not underwrite, build insurance products, or own provider networks, and inherits Cigna's direct-billing network of 1.5 million+ providers and 24/7 multilingual hotlines as carrier-level infrastructure.

The business serves four customer segments — individuals/families, businesses/employers, expats and internationally mobile citizens, and diplomats/embassies — and is quoted across 61+ countries and 43+ nationalities. Pricing is quote-based and varies by age, nationality, country of residence, and tier, with annual billing and modular add-ons (International Outpatient, Health & Wellbeing, Vision & Dental, Evacuation & Crisis Assistance Plus). The company reports an NPS of 63 through its insurance partners, holds no disclosed external funding, is privately held, and is founder-led by Martin von Kiær (CEO) and Niels Grosen (COO) with a team of 1–10.

Name

Health Insurance Instantly

Legal name

Health Insurance Instantly Agency A/S

Website

https://healthinsuranceinstantly.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Health Insurance Instantly is a Danish insurance broker and exclusive Nordic partner for Cigna Healthcare and Now Health International, distributing international private medical insurance to individuals, families, businesses, expats, and diplomats across 60+ countries via advisory-led sales.

Ownership category

akta.pro rank

Product category

International Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

International/Expatriate Individual Health Insurance (FSAIAEAH), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• International health insurance
• Insurance brokerage services
• Corporate health plans
• Expat health coverage
• Nordic insurance advisory

Headquarters

HQ city

Copenhagen

HQ country

Denmark

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Cigna): Health Insurance Instantly receives commission from Cigna upon sale of health insurance policies. The company acts as a broker/agency distributing Cigna's international health insurance products to Danish, Swedish, and Nordic customers, earning a sales commission on each policy sold.
2. Insurance Commission (Now Health): Exclusive partnership with Now Health International as primary partner in the Nordics, earning commission on sales of Now Health insurance products offered to Nordic customers.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Health Insurance Instantly is a Copenhagen-based insurance brokerage that distributes international health insurance products from Cigna Healthcare and Now Health International. The firm serves individuals and families, businesses with five or more employees, and diplomatic missions/embassies across the Nordic region, acting as an authorized intermediary between the global insurers and end customers.

Product overview

Health Insurance Instantly offers a portfolio of international health insurance products primarily distributed through two insurance partners — Cigna Healthcare (with Silver/Gold/Platinum tiers) and Now Health International (with SimpleCare and WorldCare tiers) — alongside proprietary service add-ons. The core products provide comprehensive inpatient and outpatient coverage with optional modules including International Outpatient, Health & Wellbeing, Vision & Dental, and Evacuation & Crisis Assistance Plus. Value-added services include Læge via Mobil (telemedicine via Eyr Medical), Healper psychology matching, and dedicated plans for businesses, self-employed individuals, and diplomats. The company acts as a local Nordic partner and insurance broker, providing advice and administration on top of the underlying insurance policies.

Differentiator

Problem solved

Functional benefit

Products and services

• Cigna Inspire Business (Erhverv) Group international health insurance plan underwritten by Cigna Healthcare and distributed by Health Insurance Instantly to businesses in the Nordic region with five or more employees. Provides corporate staff with access to international medical coverage, including hospitalization, outpatient care, and evacuation benefits.
• Cigna Global Health Options Individual and family international health insurance policy underwritten by Cigna Healthcare and intermediated by Health Insurance Instantly. Targeted at Nordic residents, expatriates, and globally mobile individuals needing flexible worldwide medical coverage.
• Now Health International Plans International private medical insurance plans underwritten by Now Health International and distributed by Health Insurance Instantly to individuals, families, and corporate clients in the Nordics seeking alternative insurer options.
• Diplomatic Health Insurance Specialized international health insurance cover arranged by Health Insurance Instantly for diplomats, embassy staff, and international organization personnel stationed in the Nordic region, drawing on Cigna and Now Health International products.

Quantifiable outcome

• Net Promoter Score of 63 through insurance partners
• +4 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

Seven partnerships are on record, tiered core, minor and flagship.

• Cigna HealthcarecoreStrategic or Co-development PartnerExclusive strategic partnership — Health Insurance Instantly is the only official partner of Cigna Healthcare in Denmark and the Nordic region. HII distributes Cigna's comprehensive international health insurance products to Danish, Swedish, and Nordic customers. Cigna serves 180+ million customers in 200+ countries. HII provides local Danish/Swedish advisory services while Cigna provides the insurance products, 24/7 hotline, claims processing, and global provider network. HII receives commission from Cigna upon sale of policies.
• Now Health InternationalcoreStrategic or Co-development PartnerPrimary/exclusive partnership for Now Health in the Nordics — HII is the only official partner for Now Health in Denmark and all of Scandinavia. Now Health provides international health insurance products (SimpleCare and WorldCare plans) with global coverage. HII offers exclusive access, advisory, and service for Now Health products in the Nordic market. The partnership combines Now Health's global reach with HII's local expertise. Now Health provides a 24/7 hotline and digital platform.
• Eyr MedicalcoreTechnology or IntegrationPartnership to provide free 'Doctor via Mobile' (Læge via Mobil) teledoctor service to all HII customers and their households. Eyr Medical operates a video consultation app available on iOS and Android. Customers receive unlimited free medical consultations via video, including prescriptions, referrals, and medical certificates. Service available weekdays 08:00-22:00, weekends 10:00-22:00. Normally costs 445 kr per consultation — free for HII customers.
• HealperminorGTM or Marketing PartnerMental health partnership connecting HII customers with over 1,100 certified psychologists across Denmark. Customers complete a questionnaire and are matched with suitable therapists. HII provides this as a value-added service for mental health support, complementing the insurance coverage for psychological care. Special HII customer link for booking appointments.
• Danes Worldwide (Danes.dk)flagshipGTM or Marketing PartnerExclusive partnership with Danes Worldwide — Danish citizens living abroad can receive health insurance with lifetime discounts. Members and co-insured family members receive the Health & Wellbeing add-on free of charge for the duration of their policy. HII provides insurance specifically designed for Danes abroad, with Swedish advisory support. Partnership provides referral channel and preferential pricing for Danes Worldwide members.
• Svenskar i Världen (SVIV)flagshipGTM or Marketing PartnerPartnership with Svenskar i Världen (SVIV) — Swedish expats and internationally mobile Swedes receive health insurance with lifetime discount. Members receive Health & Wellbeing add-on free of charge. HII is one of SVIV's carefully selected expert partners. Provides referral channel and exclusive member benefits for Swedish customers.
• ComadsominorStrategic or Co-development PartnerPartnership for impartial insurance comparison. Comadso is Europe's leading insurance comparison company, comparing insurance products by analyzing policy terms, coverage, limitations, and exclusions. Comparison developed with Comadso ensures objective analysis. HII uses Comadso to generate leads through free comparison tool for customers considering switching providers.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• William Russell: William Russell is a specialist international health, life, and income protection insurer serving expatriates and globally mobile professionals, distributed via brokers. Comparable to HII given its expat focus, broker-led distribution, and tiered plan structure.
• Now Health International: Now Health International designs and prices international health insurance plans (SimpleCare, WorldCare) distributed via brokers and partners globally, and is HII's second exclusive carrier partner. Comparable as both a partner and competitor for the same end customers in the Nordic market.
• Bupa Global: Bupa Global underwrites and distributes international health insurance for individuals, families, and corporate clients, including expats. Comparable to HII as a competitor in the Nordic expat and corporate international health insurance segment, though Bupa is both carrier and distributor.
• International Citizens Insurance: International Citizens Insurance is a broker and comparison platform for international health insurance plans serving expatriates globally. Comparable to HII as an advisory-led international health insurance distributor using a comparison-driven acquisition model.
• APRIL International: APRIL International is a specialist broker and provider of international health, life, and disability insurance for expats, students, and globally mobile individuals. Directly comparable to HII given its focus on advisory-led distribution of international health plans in European markets.

Broad incumbents

• Allianz Care: Allianz Care is the international health insurance arm of Allianz Partners, serving individuals, families, and corporate clients with globally mobile coverage. Comparable to HII as a large established player in international health insurance with overlap in expat and corporate segments.
• Aetna International (CVS Health): Aetna International, part of CVS Health, offers international health insurance and expatriate benefits for individuals and multinational employers. Comparable as an incumbent carrier competing for the same expat and corporate segments HII targets.
• Cigna Healthcare Global Health Benefits: Cigna Global Health Benefits is HII's primary carrier partner and a major direct underwriter of international health insurance for individuals and multinational employers. Comparable as the underlying product owner in the same category HII distributes.

Regional players

• GeoBlue: GeoBlue provides international health insurance and travel medical plans primarily to U.S.-based expatriates and international travelers. Comparable to HII in product category but differs by primarily serving North American outbound expats rather than Nordic expats.
• DKV (ERGO Group / Munich Re): DKV offers private health insurance products with international coverage components, particularly in German-speaking and broader European markets. Comparable as a regional provider that competes for Nordic-adjacent expat and corporate customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/HealthInsuranceInstantly
• LinkedInlinkedin.com/company/healthinsuranceinstantly

Revenue estimate

Valuation estimate

Number of profiles

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 Health Insurance Instantly