Insurance Requirements in Denmark
Everything you need to know about required and recommended insurance for living, working, and studying in Denmark in 2025—health, liability, contents, and more.
Overview: Insurance for Life in Denmark
Denmark has excellent public healthcare, but most people also get private and supplemental insurances. Some insurance is legally required, some is simply smart. Make sure you and your family are protected!
- Mandatory: Health insurance (via CPR), liability insurance for vehicles, and, if you own a home, building insurance.
- Recommended: Personal liability, contents, accident, and travel insurance for extra peace of mind.
Read on for the types of insurance you need, what’s optional, and tips for internationals.
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Did you know? Liability insurance (“ansvarsforsikring”) is required for all cars, mopeds, and motorbikes—no exceptions!
Required Insurance in Denmark
Health Insurance
All residents are covered by the public health system (via CPR). Bring your yellow health card to every appointment.
Vehicle Liability Insurance
If you drive, third-party liability is mandatory for cars, mopeds, and motorcycles.
Home/Building Insurance
If you own a home, you must have building insurance (“husforsikring”) for mortgage approval and protection.
Optional & Recommended Insurance
Personal Liability Insurance
Highly recommended for everyone! Covers accidental injury/damage to others or their property.
Contents Insurance
Protects your belongings (furniture, electronics, valuables) against theft, fire, and water damage.
Accident Insurance
Covers you for accidents at home, at work, or during leisure time.
Travel Insurance
Recommended for trips abroad—covers healthcare, cancellations, lost luggage and more.
Private Health Insurance
Gives access to faster, private treatment and specialist care—popular among professionals.
Pet Insurance
If you have a dog or cat, pet insurance covers vet bills and liability for animal-related damages.
Useful Resources & External Links
Related on exploringdenmark
Frequently Asked Questions
Is public health insurance free in Denmark?
Yes, if you live and are registered with CPR, but dental care and some specialist services are extra.
Do I really need personal liability insurance?
It’s not legally required, but highly recommended—accidents can be very expensive!
What insurance do I need for travel abroad?
Always get travel insurance if leaving Denmark, even inside the EU—your yellow card may not be enough.
Is car insurance expensive in Denmark?
Yes, premiums can be high—shop around and check no-claims discounts.
Do I need contents insurance for my apartment?
Strongly recommended—many landlords require it, and it covers theft, fire, water, and more.
Can internationals buy insurance easily?
Yes! Once you have a CPR number, all major companies welcome internationals—compare before you buy.
