Medical Pre-Assessment

Medical Pre-Assessment

If you have an existing illness or injury, we recommend a pre-assessment before you travel. Please note that you can apply for the assessment at the earliest 2 months before departure.

You can apply on behalf of yourself or your child under 15 years / person under your guardianship.

Be aware that the processing time can take up to 5 business days.

We ask you to have the following ready:

  • MitID Travel information
  • Travel insurance
  • Policy number

 

Start medical pre-assessment

 

General Guidelines for Medical Pre-Assessment

Your travel insurance covers you if you become acutely ill or get injured during your trip.

This means that, as a starting point, you are not covered for pre-existing conditions.

With a medical pre-assessment, you get a special evaluation of your existing illness or injury, giving you assurance about how your insurance covers you if your condition or injury worsens during the trip.

We recommend that you undergo a medical pre-assessment if you:

  • Have a chronic or existing illness/injury, and within the last 2 months have been in contact with a doctor or other type of healthcare provider beyond a scheduled check-up
  • Have made changes in your medication within the last 2 months
  • Have had changes in your treatment plans or developed new symptoms within the last 2 months
  • Are awaiting tests or treatments, including surgeries or test results (Note: For some insurance companies, this applies within the last 6 months before departure. If in doubt, contact your insurance company).

Cancellation If you do not wish to proceed with the trip after receiving a reservation in the coverage and would like to know if you are covered by your cancellation insurance, you should contact your travel insurance company directly.

Pregnancy As a pregnant woman, it is generally not necessary to undergo a medical pre-assessment. However, if you have experienced complications that have led to extra check-ups, scans, or similar, we recommend that you get a medical pre-assessment.

If I haven't received a medical pre-assessment before departure In this case, your general insurance terms will apply.

What should I do if I have multiple trips?

  • A medical pre-assessment is valid per trip. Therefore, it is necessary to apply for each trip.

What should I do if I don't have my medical records?

  • Your medical records should be obtained either via sundhed.dk or directly from your general practitioner/private clinic/treatment center. The notes should include dates, your full name, and your personal identification number.

Can I wait to purchase travel insurance until I know if I am covered?

  • No - Unfortunately, we cannot perform a medical pre-assessment without valid insurance.

Can I apply for a medical pre-assessment for someone other than myself?

  • You can only apply for a child under 15 years of age or a person for whom you are the guardian.

Do I ALWAYS need a medical pre-assessment?

  • See under "We recommend" in the General Guidelines.

Can I request an assessment if I don't know when I am traveling?

  • It is necessary to provide travel dates, as these are relevant for the pre-assessment. Therefore, you can only apply for a pre-assessment when you know your travel dates.

Is it okay to travel if my doctor approves it?

  • There may be a difference between how your doctor assesses your health in relation to your trip and how you are covered by your travel insurance. Therefore, we recommend a medical pre-assessment before you travel.

When can I get a medical pre-assessment?

  • You can get a pre-assessment when there are less than two months until you are due to travel. All questions regarding the coverage of cancellation insurance due to chronic or existing illness should be directed directly to your travel insurance company.

Why get a medical pre-assessment before you travel?

  • Travel insurance normally only covers acute illness and injury. A medical pre-assessment gives you answers on whether you can get coverage for your expenses for treatment of your chronic or existing illness during the trip. This is a service and security for you if your condition worsens during the trip.

How long is my medical pre-assessment valid?

  • Your medical pre-assessment is only valid for the specific trip. If you are going on multiple trips within the next two months, we can make a combined assessment.

If your condition changes before departure?

  • If you have received a medical pre-assessment and there are changes before the departure date, such as requiring medical treatment or changes in medication, you should contact us again for a re-evaluation.

Can/may I travel despite reservations in the coverage?

  • You decide whether or not to travel. The medical pre-assessment merely gives you the opportunity to know your insurance coverage before you travel. As a starting point, you will still be covered for acute illness and/or injury that is not related to the reservation. If you are traveling within the EU/EEA countries, you can bring your blue EU health insurance card (EHIC), which is available at Citizen Service or ordered via www.borger.dk. The card ensures you treatment on equal terms with the citizens of the country you are visiting. Contact Citizen Service for more information.

When do I need a medical pre-assessment?

  • If you have a chronic or existing illness/injury, and within the last 2 months have been in contact with a doctor or other type of healthcare provider beyond a scheduled check-up
  • If you, within the last 2 months, have had changes in your medication
  • If you, within the last 2 months, have had changes in your treatment plans or developed new symptoms
  • If you are awaiting tests or treatments, including surgeries or test results

(Note: For some insurance companies, this applies within the last 6 months before departure. If in doubt, you should contact your insurance company).

The decision on the medical pre-assessment can be as follows:

Full coverage You are covered by the travel insurance for expenses for treatment of acute illness and injury, and for expenses for treatment of your chronic or existing illness

or

A reservation in coverage You are only covered by the travel insurance for expenses for treatment of acute illness and injury during the trip. Expenses related to the reservation will not be covered by the travel insurance.

About SOS International's Online Solution for Medical Pre-Assessment

SOS International's online solution for medical pre-assessment has been developed in collaboration with SOS International's doctors and provides coverage assurance based on the answers you provide along the way. A full or partial coverage assurance is calculated.

If coverage assurance cannot be immediately granted, you will be contacted by the department for medical pre-assessment for further information.

If you have questions about the online solution, or if you prefer not to use the online solution, you are welcome to contact us by phone.

Please note that if you have name and address protection, we recommend that you do not use the solution and instead contact us by phone.

You can find our contact information for medical pre-assessment in the "Contact Us" tab.

SOS International processes your personal data on behalf of your insurance company. You can find more information about how your insurance company handles your personal data on the company's own website.

Did you not find an answer to your question? Contact our Travel Service.

We are open Monday to Friday between 1:00 and 3:00 PM.

Phone: +45 3848 8250

Please note that Mondays and Fridays can be particularly busy.

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