Medical treatment insurance

• Diagnostic imaging within 10 working days, for example MRI and CT scans
• Medical specialist within 10 working days
• Second assessment
• Surgery or hospital treatment within 15 working days
• Rehabilitation after hospital stay
• Medicines during hospital stay
• Travel and accommodation
• Psychological first aid
• Video consultation with a psychologist
• Medical helpline

• Treatment for illnesses, injuries, or ailments that occurred prior to the insurance's approval
• Consultation with a general practitioner/company doctor and a general medicine specialist
• Psychiatric treatment
• Treatment at a public hospital
• Medication in addition to medication administered at the treatment site
• Aids and adaptation of these
• Medical opinions, certificates or licences not ordered by Fremtind

• Circumstances that the company has avoided when evaluating the health information. Any reservation will appear from the insurance certificate.
• Sum insured for the individual coverages. These appear from the insurance certificate.
• Only treatment approved by Fremtind is covered by the insurance
• Insurance claims that the insured person caused or exacerbated through gross negligence or intent

The insurance applies to treatment in Norway, Sweden and Denmark (Scandinavia).

If no expertise is available in Scandinavia, referrals can be made to other private treatment institutions in Europe with whom the company has an agreement.

When purchasing insurance, you must provide accurate and complete answers to the company's questions. The insurance certificate specifies which information is used as a basis. If anything is incorrect, you must inform us immediately.

Security regulations are damage prevention and damage limitation measures you must take, and you will find these in the insurance certificate.

In the event of injury you must contact us as soon as possible. If you do not comply with your obligations, the settlement payment may be reduced, fully or partly.

We have a large medical network in Norway, Sweden, and Denmark consisting of a variety of healthcare providers. Which treatment facility you will be referred to depends on what kind of specialist you need.

Medical treatment insurance can be purchased by anyone between the ages of 16 and 69, and the insurance lasts until the age of 70. A health declaration form must be completed when purchasing insurance. This form must be fully completed before you can use the insurance.

If you become ill or are involved in an accident, it is both beneficial and safe to seek additional medical attention. With treatment insurance, you are covered from the very beginning. As soon as you submit the doctor's referral, a personal nurse will follow up with you and refer you to the appropriate specialist. The nurse also assists you with all practical matters, such as booking transportation and overnight stays, so that you can focus on getting well and returning to your normal life as soon as possible.

You must log in to calculate the cost of medical treatment insurance. The cost of the insurance is determined by the information we have about you and is influenced by factors such as your health condition and whether or not you smoke. Everyone who purchases treatment insurance is required to fill out a health declaration form.