SHARE
COPY LINK
For members

HEALTH

Applying for residency in Denmark: Why you might need health insurance during processing period

Extended processing times for residence permits due to a Covid-19 backlog have left many waiting in Denmark for months without access to the public health programme. Here's what to expect on accessing – and paying for – medical care without a personal registration (CPR) number.

Applying for residency in Denmark: Why you might need health insurance during processing period
Access to Denmark's public health system can be difficult for people who are awaiting procedure of residence applications Several of The Local's readers have reported extended waiting times. File photo: Henning Bagger/Ritzau Scanpix

Readers of The Local Denmark report little assistance understanding their access to healthcare from SIRI, the Danish Agency for International Recruitment and Integration that processes residence permit applications. SIRI press officers told The Local Denmark they weren’t certain about applicants’ eligibility for free medical care while awaiting their personal registration or CPR number. 

Foreign residents with questions regarding your personal circumstances can contact a patient advisor at local hospitals. These are listed on the borger.dk website

Contacted by The Local’s reporter, a patient representative at Rigshospitalet in Copenhagen didn’t mince words explaining what people without a CPR can expect.  

“If you have applied for a residence permit when you already are in the country, then you are entitled to stay here, but that doesn’t mean you have any rights at all, to be frank,” the advisor said.

Emergency care 

While you are eligible to receive emergency care in Denmark, you will be required to pay for it. “They will not deny you the emergency care, but they will charge you,” the Rigshospitalet patient representative said. 

This is a policy change that was initiated in the last few years, they noted. Emergency care in Denmark was free of charge even without a CPR number until 2019.

Non-urgent care 

Access to routine medical care, referrals to specialists, and hospital admission is usually handled by your general practitioner, who is assigned to you by the Danish government when you receive your CPR number and yellow health insurance card. But for those awaiting residency permits, things are a little more complicated. 

“If you are a citizen from [a non-European country], then you are only entitled to emergency treatment and all emergency treatment is against payment,” a patient advisor at Rigshospitalet-Glostrup stated.

“Then if you have relatives [who are EU citizens] during the lack of insurance, you are also entitled to treatment which is not emergency – like planned operation or examination at hospitals, but still it’s against payment,” they added. 

The Local’s reporter contacted the patient advice lines with health insurance queries after being referred to them by SIRI’s press service.

“I have various health conditions that I want to get checked but can’t because it’s not an ’emergency,'” one reader, who waited months without receiving her residence permit, told The Local.

“The insurance situation in the US is abysmal, but if I was there, I could at least sign up for insurance and be able to use it right away,” she added. 

Patient advisors say the best bet is to reach out to several local general practitioners and ask if they’re willing to see patients who don’t have a CPR on a pay-for-service basis. (It may take several tries: one reporter at the Local Denmark found that two GPs hung up the phone when she spoke English, and one said they do not accept patients without a CPR.) 

READ ALSO: 

If you successfully recruit a willing GP, they’re able to refer you to specialists within the public health system, again on a pay-for-service basis, or get you admitted into a hospital. 

Your other option is to reach out directly to specialists at private hospitals that don’t require referrals. Care through private hospitals is likely to be more expensive. 

Do I need insurance? 

The short answer is that yes, if you don’t want to get stuck with a surprise bill if you get hit by a car or need to be hospitalised with Covid-19, you’ll need private insurance. 

But be careful – “Danish private health insurance” is something of a red herring. Many Danes do have access to private health insurance plans through their employer or pension group, but those are only a supplement to the national health programme (so that PFA health insurance on its own wouldn’t cover treatment for your hypothetical bike crash concussion at a public hospital.) 

When choosing an international plan – usually offered by the major health and travel insurance companies – be certain to read what’s included since it’s likely to differ from the standards in your home country. For example, many providers of international insurance won’t cover pre-existing conditions at all, or will only do so for a (substantial) additional fee. Others consider medications an extra. 

Also be vigilant for whether their network makes sense for where you live in Denmark, specifically. Some providers that say they have an extensive network only cover a handful of Denmark’s private hospitals. 

Member comments

  1. British nationals taking up residence in Denmark after 1st January 2021 (and therefore not covered by the Brexit Withdrawal Agreement) are able to use the new GHIC card to get access to emergency healthcare. If someone is legally resident here but has not yet been issued with a yellow card, they can still access healthcare by being given an emergency CPR number. Any Brits who are waiting for their CPR to come through who need medical treatment should contact the British Embassy if they are having problems.

Log in here to leave a comment.
Become a Member to leave a comment.
For members

HEALTH

Ticks in Denmark: How to protect yourself and what to do if you get bitten

Thousands of people in Denmark are bitten by ticks each year, especially during the summer months. Although most people are left unaffected, an estimated three thousand cases a year in Denmark turn into Lyme disease.

Ticks in Denmark: How to protect yourself and what to do if you get bitten

The humid and warm weather Denmark has experienced so far this year could make ticks even more common than usual this summer, an official said.

Ticks (skovflåter) can be found all over Denmark in forests, meadows, and long grass. They are particularly active during the summer months and increase in number if the weather has been warm and humid. So if you’re hiking, camping or berry-picking this summer, there’s a risk of getting a tick bite (skovflåtbid).

What are ticks?

Ticks are small, spider-like creatures which vary in size, usually between 1mm to 1cm long. They do not fly or jump but climb on to animals or humans as they brush past. Once a tick bites into the skin, it feeds on blood for a few days before dropping off. In Denmark, ticks are often found on rodents or deer and they are particularly prevalent between May and October. 

Lyme Disease (Borreliose

In Denmark, the most common disease ticks transmit is Lyme disease and around 15 per cent of ticks in Denmark’s forests carry this.

It is not known exactly how many people in Denmark get Lyme disease every year, but it is estimated that there are a few thousand cases.

However this is a very small percentage of those who have been bitten by a tick. Broadcaster TV2 has reported that in 98 per cent of cases, people do not get ill from a tick bite.

“If you remove the tick within 24 hours, you most likely won’t get Lyme disease, as it takes longer than this for the bacteria, called borrelia, to transfer to the bloodstream,” Peter Andersen, senior medical officer at the State Serum Institute’s Infectious Disease Epidemiology and Prevention department, told The Local.

Andersen said that humid and warm weather in Denmark so far this year has caused a high number of ticks.

For those who do develop Lyme disease, the symptoms usually appear between two and six weeks after the bite, but sometimes longer.

Some people can get flu-like symptoms a few days or weeks after being bitten by an infected tick. Children may complain of stomach ache, lose their appetite or lack energy.

But the most obvious sign of Lyme disease is a red circular rash around the bite.

“If you’ve had a tick bite, observe the area to check you don’t get a circular rash, which can indicate you’ve been infected. If this happens, contact a doctor to get treatment. Most infections will be treated with penicillin,” Andersen said.

Treating Lyme disease is straight forward, the senior medical officer said. “But the danger is if you don’t acknowledge the rash, then the disease can spread to the nervous system,” he said.

This is called neuroborreliosis and occurs in around one in ten of of Lyme disease cases.

The symptoms of neuroborreliosis typically appear as headaches and neck or back stiffness and radiating nerve pain or muscle paralysis, typically in the face.

People with neuroborreliosis need to be treated in hospital.

There were 216 cases of neuroborreliosis in Denmark last year, according to the State Serum Institute, the country’s infectious disease control agency. That’s an increase from 197 cases in 2020 and 171 cases in 2019.

Most cases each year are detected between July and September and neuroborreliosis most frequently occurs in children aged 5-10 and adults aged 60-70.

TBE – Tick-borne encephalitis (flåtbåren hjernebetændelse)

This is more rare and is a viral brain infection caused by a particular tick bite. Flu-like symptoms can occur a week or more after the bite and can develop to include nausea, dizziness, and in around a third of cases, severe problems. 

In Denmark, TBE cases tend to only occur on Baltic Sea island Bornholm, where there are around 3 cases a year. There have been two reported cases in North Zealand in 2008 and 2009.

In Denmark, a TBE vaccination is recommended for people who travel regularly in areas with TBE. There isn’t a vaccination for Lyme disease.

What if I get bitten by a tick?

If you do find a tick, you should remove it quickly with a special tick remover (available at all pharmacies), tweezers or your nail. The sooner you can do this, the lower the risk the tick will be able to infect you.

The important thing is making sure you remove the whole tick, by grabbing it as close to the skin as possible and pulling slowly. Then wash and clean the bite, and contact a doctor if you’re worried.

Prevention

If you’ll be spending time in wooded areas with long grass, especially those known to have a high tick presence, you should wear boots along with long sleeved light clothing so you can see the ticks, and tuck trousers into socks. Mosquito repellent has also been proven to help deter ticks.

“Proper clothing is a good prevention but it’s not always realistic to wear long sleeves and trousers when it’s warm. So if you have been outside in nature, you should check yourself in the evening or get a family member to check you for ticks,” Andersen suggested to The Local.

Ticks tend to bite around thin areas of the skin such as kneecaps, groin, armpits and hairline. In children, they can often be found on their scalp and behind the ears.

“Ticks are very small and look like a tiny dot so they can be easily missed. They start to enlarge when they suck blood and then the red rash can appear,” Andersen said. 

Despite their high presence, ticks shouldn’t put you off enjoying Denmark’s nature this summer. Being vigilant to the tiny black insects should keep any tick-related illness at bay.

SHOW COMMENTS