Insurance Coverage and Financial Support for Psychological Treatment

Would you like to use your health insurance for a course of treatment with me? First contact your insurance company to clarify whether your sessions are covered and whether you may choose me as your psychologist. I offer sessions in Fredensborg and online. Once the terms are clear, you can book a session or contact me with questions about your treatment.

Evidence-based cognitive therapyfor stress, anxiety, OCD, depression and low self-esteem.

Come to the practice at AYA House or meet me online.

Book a session Free 15-minute phone call

Danish-authorised psychologist · Specialist in adult psychotherapy19 years’ experience · You can use your health insurance and “danmark”

Picture showing the various health insurance companies a psychologist can work with.

Funding and cover for psychological help can come from several places. It may be through health insurance, a health cover scheme, a workplace health plan or medical insurance — it goes by many names. It may also be through Sygeforsikringen “danmark”, your pension company, your employer, your union or the municipality.

If you have health insurance privately or through your workplace, you can often have all or part of the cost of sessions covered. How many sessions are covered, and whether the cover is full or partial, depends on your specific insurance terms. So contact your insurance company to clarify how you are covered and whether you may choose your own psychologist. Unfortunately, several companies have started using their own networks, where you may not choose your own psychologist, so be aware of this.

If the insurance only covers part of the fee, you pay for the session yourself and then claim reimbursement from the insurance company.

The Danish Psychological Association recommends that you check your health insurance terms before you start seeing a psychologist:

Here are three important questions worth clarifying with your insurance company if you want to use your health insurance:

Does your insurance cover sessions with a psychologist for you or your family?
Are you free to choose your own psychologist?
How many sessions can you get?

If you want to use your health insurance, please let me know when you first get in touch, and either email the approval letter (pre-approval) from the insurance to me or bring it to our first session.

As I am an authorised psychologist, you can use cover from any insurance or pension company for sessions with me, depending on your specific policy, as long as you are able to choose your own psychologist. These include Danica, PFA, AP Pension, Dansk Sundhedssikring, Topdanmark, Tryg, Pensam, Gjensidige, Nordea Pension, GF, Codan, If Forsikring, Bauta and others. Read more in the following sections. If you have received an approval letter from your health insurance, you can contact me or book an appointment with me.

I do not work with Falck Healthcare, as Falck Healthcare does not let you choose your own psychologist, whatever your policy.

Authorised psychologist Therese Ejerskov sitting with a client in cognitive therapy

Danica Health Insurance / Health Scheme

I accept clients insured with Danica.

If you have health insurance with Danica Pension, it may be possible to have part of your or your family’s psychological treatment covered.

Check what your scheme covers by contacting Danica’s Healthcare Managers on 70 25 02 03 or by submitting a claim at https://danicapension.dk/privat

I am an approved psychologist with Danica Pension. You can find me on the shared list of practitioners at sygeforsikring.dk.

PFA Health Insurance / Health Scheme

I accept clients insured with PFA.

If PFA has approved you to choose your own psychologist for a course of treatment, it may be possible to have all or part of the cost of treatment with me covered.

You can contact PFA Helbredssikring on 70 24 50 01 and ask how you are covered.

If you are insured through PFA, please mention this when you contact me.

AP Health Insurance / Health Scheme

I accept clients insured with AP Pension.

If AP Sundhedsforsikring has approved you for a course of treatment with a psychologist, it may be possible to have part or all of the cost of treatment with me covered.

Check what your policy covers by contacting the health insurer directly on 7010 0117.

Dansk Sundhedssikring

I accept clients insured with Dansk Sundhedssikring.

If Dansk Sundhedssikring has approved you for a course of treatment with a psychologist, you will be able to choose your own psychologist, but note that Dansk Sundhedssikring has some restrictions when you choose your own psychologist.

It is possible to have part of the cost of treatment with me covered.

You can contact Dansk Sundhedssikring on tel. 70 20 61 21 and look into your options.

Topdanmark Health Insurance / Health Scheme

I accept clients insured with Topdanmark.

If Topdanmark Sundhedsforsikring has approved you for a course of treatment with a psychologist, it may be possible to have part or all of the cost of treatment with me covered.

You can call Topdanmark on tel. 78 77 78 94 to learn more about your cover options.

Tryg Health Insurance

I work with Tryg, but whether sessions with me are covered depends on your specific policy.

The key question is whether your policy lets you choose your own psychologist. So contact Tryg to clarify how you are covered, how many sessions are approved, and whether you are free to choose your practitioner.

If you have received an approval letter from Tryg, you can contact me or book an appointment with me.

Pensam Health Insurance / Health Scheme

I accept clients insured with Pensam.

I am an approved psychologist with Pensam. Pensam uses the shared list of practitioners at sygeforsikring.dk, where you can find me as an approved psychologist.

If Pensam Sundhedsforsikring has approved a course of treatment with a psychologist, you can choose me as your psychologist.

If you have questions, you can call Pensam’s health team on 44 39 39 00.

Gjensidige Health Insurance / Health Scheme

I accept clients insured with Gjensidige Sundhedsforsikring.

If Gjensidige Sundhedsforsikring has approved you for a course of treatment with a psychologist, it may be possible to have part or all of the cost of treatment with me covered.

If you have questions about your options and cover, you can contact them on 70 10 90 09 or write to them at sundhed-team1@gjensidige.dk.

Nordea Pension Health Insurance / Health Scheme

I accept clients insured with Nordea Pension health insurance.

If Nordea Pension health insurance has approved you for a course of treatment with a psychologist, it may be possible to have part or all of the cost of treatment with me covered.

You can contact Nordea Pension health insurance with questions on 70 33 99 00.

Codan Health Insurance / Health Scheme

I accept clients insured with Codan Sundhedsforsikring.

If you have health insurance with Codan Sundhedsforsikring, it may be possible to have your or your family’s psychological treatment covered.

Codan can be contacted on 78 73 67 83.

Lærerstandens Brandforsikring Health Insurance / Health Scheme

I accept clients insured with Lærerstandens Sundhedsforsikring.

If Lærerstandens Sundhedsforsikring has approved you for a course of treatment with a psychologist, it may be possible to have part or all of the cost of treatment with me covered.

Lærerstandens Sundhedsforsikring can be contacted on 20 75 72 27.

Bauta Health Insurance / Health Scheme

I accept clients insured with Bauta Sundhedsforsikring.

If Bauta Sundhedsforsikring has approved you for a course of treatment with a psychologist, it may be possible to have part or all of the cost of treatment with me covered.

Bauta Sundhedsforsikring can be contacted on 20 75 72 27.

Runa Health Insurance / Health Scheme

I accept clients insured with Runa Sundhedsforsikring.

If Runa Sundhedsforsikring has approved you for a course of treatment with a psychologist, it may be possible to have part or all of the cost of treatment with me covered.

Runa Sundhedsforsikring can be contacted on 20 75 72 27.

Reimbursement for sessions with a psychologist from Sygeforsikringen “danmark”

If you are a member of Sygeforsikringen ‘danmark’ in Group 1, 2, 5 or Group S, you can have part of the cost of sessions with a psychologist reimbursed. For treatment within referral categories 1–11, ‘danmark’ does not require a prior referral from a doctor and disregards the public scheme’s age requirements. The treatment must be carried out in Denmark by an authorised psychologist.

The reimbursement per individual session is DKK 300 without public subsidy (DKK 450 for members aged 16 to 25) and DKK 200 with public subsidy (DKK 300 for members aged 16 to 25). Within 12 months a maximum total of DKK 7,200 can be reimbursed for treatment covered by referral categories 1–11, regardless of age. Treatment outside referral categories 1–11 is covered only for members under 26: DKK 300 per individual, video or telephone consultation, with a total maximum of DKK 2,400 within 12 months.

Online sessions are also reimbursed. See ‘danmark’s current rates and conditions for Group 1, 2 and 5 and for Group S.

For treatment without public subsidy, it is a condition that I, as the psychologist, report your sessions electronically to ‘danmark’. Please let me know about your membership when you first get in touch, so that the reporting can be done correctly.

For reference, my profile number with Sygeforsikringen ‘danmark’/www.d-service.dk is: 1319744.
You can find me in their system via this page: https://www.sygeforsikring.dk/find-behandler

Unions sometimes cover sessions with a psychologist

Unions can pay for sessions with a psychologist, especially for work-related problems. It is a good idea to contact your union to find out what options you have.

Shows the Danish municipalities where clients can apply for funding for sessions with a psychologist

Municipal funding for sessions with a psychologist

In some cases your municipality can cover all or part of the cost of sessions with a psychologist – contact the municipality where you live to find out more.