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Insurance certificate

Last updated: April 6, 2026

An insurance certificate is an official document issued by a doctor to confirm a patient's health condition. This certificate is often necessary when taking out insurance, in connection with pension and taking out loans, or in other situations where documentation of one's health status is required.

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Jakob Fraes
Specialist in General Medicine, Ph.D.
Read more about Insurance certificate. Everything you should know.

The purpose of the insurance certificate

Insurance companies and banks often want to assess the risk of insuring or lending money to a person. By having an updated insurance certificate, these institutions can get a clear picture of a person's health and make informed decisions.

The process for obtaining an insurance certificate

When you need to have an insurance certificate issued, you must first book an appointment with your general practitioner. During the consultation, the doctor will review your medical history, perform a general health assessment, and may request additional tests if necessary.

What does an insurance certificate contain?

The certificate will typically include information such as the patient's name, date of birth, current health status, previous illnesses and treatments, as well as any chronic conditions or medical concerns.

Read more about health check for insurance and pension schemes.

How long is an insurance certificate valid?

The validity of an insurance certificate may vary, but it is generally valid for 1-2 years. However, some insurance companies or financial institutions may require a more recent certificate, depending on the specific situation.

Possible challenges in obtaining a medical certificate

Although most people can get an insurance certificate without any problems, some health conditions or previous medical histories can make it more difficult to get a positive certificate. In these cases, it is important to discuss the situation with your doctor to understand the options.

How much does an insurance certificate cost?

You must book a 30-minute physical consultation for this certificate.
Price: 1,800

How to book an appointment for an insurance certificate

If you need an insurance certificate, you can easily book an appointment with one of the many skilled doctors here on the website. Choose the doctor you prefer, find a suitable time and follow the instructions to complete your booking.

After reading the above information, you should be ready to book an appointment for your insurance certificate. We are here to help and ensure that you get the best possible experience.

Frequently Asked Questions

Can I get an insurance certificate even if I have a chronic illness?

Yes, you can still get an insurance certificate even if you have a chronic illness. However, the certificate will contain information about your illness, which may affect the insurance terms and prices.

How quickly can I get my insurance certificate?

Normally, you can expect to receive your insurance certificate within a week after your visit to the doctor. However, if further investigations are needed, it may take a little longer.

Should I bring anything to the doctor's consultation?

It is a good idea to bring any previous medical documents or information that may be relevant to the certificate. It may also be helpful to have details about the insurance or loan you are applying for, so the doctor knows what is specifically required.

What if I do not agree with the content of my insurance certificate?

If you do not agree with the information provided in your insurance certificate, you should first discuss it with your doctor. The doctor can explain the basis for the information, and together you can assess whether there is a need for further tests or assessments.