Insurances
A pension scheme with AP Pension is more than just a savings scheme for your retirement. In general, it also includes insurance cover that can provide you or your immediate family with financial security if you lose your ability to work, become seriously ill or die. Find out more about our various insurance products below.
Important things to remember
- If you have both AP Health Insurance and dental insurance, going forward, you will receive a bill for each when you have to pay for them.
Health insurance
You’re probably good at taking care of yourself, but as you know, life is unpredictable. With health insurance from AP Pension, you are in safe and caring hands, whether this means prevention, advice or treatment.
Dental insurance
If you work for company and have dental insurance, you don't need to worry about large, unforeseen dental bills.
Accident insurance
If you are involved an accident and suffer permanent disability, you have the option to receive a tax-free lump sum. The amount paid out will depend on the extent of your disability.
Loss of ability to work insurance
Loss of ability to work insurance provides financial assistance if you are unable to work due to illness or accident.
Critical illness insurance
With critical illness insurance, a lump sum can be paid out if you suffer from one of the critical illnesses covered by the insurance. The lump sum is tax-free. And it is up to you how you use the money.
Cover on death
If you die, your
your next of kinWho are your next of kin?
If your pension scheme was set up in 2008 or later, your next of kin are (in order):
- Spouse or civil partner
- Cohabiting partner who has either lived with you for two years or with whom you have children
- Heirs apparent, i.e. children, grandchildren, etc.
- Heirs under a will
- Other heirs
If your scheme was set up in 2007 or earlier, your cohabiting partner is not eligible. In other words, your children/heirs will receive payouts if you do not have a spouse/civil partner.
If you want people other than your next of kin to receive the money, you can add one or more special beneficiaries on your pension scheme.
You are always entitled to give preferential treatment to your (divorced) spouse, your issue (children, grandchildren, etc.), stepchildren and your cohabiting partner. You can include who you want to on certain types of insurance. You can set up beneficiaries by writing to AP Pension.
If you have included a named beneficiary, you can change your decision at a later date if you no longer think that the beneficiary should receive a payout. You can write to AP Pension in this case too.
may be entitled to a payout if you have life insurance. AP Pension automatically receives notification of your death from the CPR register. We will then contact your beneficiaries.
We will calculate how much your beneficiaries may be entitled to receive once we have the necessary information. We will send them a letter when we pay out the money.
If you have any questions, please contact us at kundecenter@appension.dk or on +45 3916 5000.