Discovering shared values with leading Danish mutual

24th April 2015

Last month, representatives from Benenden visited the leading Danish mutual danmark – a mutual health insurer that covers approximately 2.3 million people in Denmark. 

The visit highlighted key shared values between Benenden and danmark and enabled Benenden’s representatives to consider learnings for within the UK healthcare system. 

danmark - not to be confused with the Danish spelling of ‘Denmark’ - is a mutual health insurer in Denmark that offers partial coverage of their members’ out-of-pocket expenses for healthcare services that are not fully covered by the public tax-based health system. danmark has approximately 2.3 million members, which equates to an impressive 40% of the Danish population. Because the two mutuals operate in a similar context, i.e. working alongside their respective national health services, a Benenden delegation met with danmark CEO, Allan Luplau, and Christine Danielsen, Compliance Officer in Copenhagen.

Lawrence Christensen, Group Marketing Director at Benenden describes the value of the visit: “We met with danmark to find out how this mutual positions itself in its own country, with a product that is not dissimilar to ours at Benenden – in other words, complementing the public health services in a slightly different way that what we do in the UK. 

“What we discovered in Denmark completely surpassed our expectations. danmark as a mutual is both well established in the Danish landscape and provides a very good service to its members, with exceptionally low administration costs of just 4% of expenditure. Proof of this efficiency is the high satisfaction of danmark members with an 82% rate of satisfaction in 2014.”

Beyond building relations between the two mutuals, the trip enabled Benenden to discover how the Danish mutual operates - what it reimburses and how its services function. The visit was enabled by the International Cooperative and Mutual Insurance Federation (ICMIF), of which both Benenden and danmark are members.

For more information, please read the article on ICMIF’s website.

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