Tax-exempt amount if you are diagnosed with a critical illness
If you become seriously ill, the foundation of you and your family’s life is disrupted. The cover for certain critical illnesses will provide a tax-exempt amount which you can spend in any way you want. For example, you can pay any additional expenses in connection with your illness and make it easier for you and your family to get through a difficult time.
Are you insured with Forenede Gruppeliv?
If you have your insurance with Forenede Gruppeliv, e.g. via a group life scheme, please find more information at Forenede Gruppeliv’s website, where you will also find your terms and conditions and can get help and guidance.
Are you insured with Velliv?
If you are insured with Velliv, please find more information about your cover here.
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A cover for certain critical illnesses provides
- more financial security for you and your family
- a lump sum if you become seriously ill - up to 760.000 kr. (2025)
- full right of disposal as you decide how to spend the money
- the possibility of taking out the insurance for your children
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List of critical illnesses
List of covered illnesses
Your insurance conditions, which you will find at Mit Velliv / Netpension, set out the exact conditions to be met in order to receive cover for certain critical illnesses.
The following diagnoses may be covered under the cover for certain critical illnesses
- Most malignant cancers (does not include less aggressive types of cancer)
- Cancer of the blood, lymphatic system and blood-forming cells of the bone marrow
- Coronary thrombosis (heart attack)
- Coronary artery bypass graft or balloon angioplasty
- Chronic heart failure with severe resting symptoms
- Heart valve surgery
- Diseases of the aorta
- Pulmonary embolism – severe degree requiring surgery
- Certain benign tumours in the brain and spinal cord
- Cerebral haemorrhage or a blood in the brain with permanent sequelae
- Saccular aneurysm of the brain arteries or arteriovenous malformation on the brain (AV malformation) – requiring surgery
- Multiple sclerosis (MS)
- Amyotrophic lateral sclerosis (ALS) or other similar non-hereditary motor neurone disease (MND) with persisting and progressive symptoms
- Parkinson’s disease (paralysis agitans)
- Inflammation of the brain (encephalitis) or meningitis (including Lyme disease and tick-borne encephalitis (TBE)) – resulting in severe neurological sequelae
- Progressive muscular atrophy
- Myasthtenia Gravis – with severe symptoms
- Creutzfeldt-Jakob disease (CJD)
- AIDS
- HIV infection through blood transfusion or work-related infection
- Major organ transplants (heart, lung, liver, pancreas or bone marrow)
- Renal failure – resulting in haemodialysis or kidney transplant
- Blindness in both eyes
- Deafness in both ears
- Third or fourth-degree burns, corrosive burns or frostbite
- Terminal illness with a short life expectancy
- Implantation of implantable cardioverter-defibrillator (ICD) due to life-threatening arrhythmia (does not cover standard pacemakers)
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List of critical illnesses – children
List of covered illnesses
Your insurance conditions, which you will find at Mit Velliv / Netpension, set out the exact conditions to be met in order to receive cover for certain critical illnesses – children.
The following diagnoses may be covered under the cover for certain critical illnesses – children
- Most malignant cancers (does not include less aggressive types of cancer)
- Cancer of the blood, lymphatic system and blood-forming cells of the bone marrow
- ‘Heart disease requiring surgery (by surgery or intervention through the blood vessel)’
- Certain benign tumours in the brain and spinal cord
- Cerebral haemorrhage or a blood in the brain with permanent sequelae
- Saccular aneurysm of the brain (intracranial aneurysm) or arteriovenous malformations (AVM) – requiring surgery
- Multiple sclerosis (MS)
- Inflammation of the brain (encephalitis) or meningitis (including Lyme disease and tick-borne encephalitis (TBE) – with severe neurological sequelae
- Major organ transplants
- Renal failure – resulting in haemodialysis or kidney transplant
- Second, third or fourth-degree burns, corrosive burns or frostbite
- Histiocytoses and fibromatoses
- Cerebral palsy
- Certain severe epilepsy syndromes
- Progressive muscular atrophy
- Diabetes (DM) types 1 and 2
- Generalised myasthtenia gravis with severe symptoms
- Blindness in both eyes
- Deafness in both ears
- HIV infection or AIDS
- Terminal illness with a short life expectancy
In order to be eligible for disbursement of your cover for certain critical illnesses, you need to be diagnosed with one of the diagnoses covered under your policy.
You can find a list of covered diagnoses in terms and conditions of insurance by logging into Mit Velliv / Netpension– and please feel free to contact us if you have any questions or need guidance.