When reading the terms it is stated that Acupuncture is covered, for example. That said, I called to ask about coverage for a treatment but it has to be the exact diagnose or type of indication to be... See more
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I give 1 as I could not give 0. This health insurance is a fraud and should not be even considered as a health insurance. All the possible tricks to delay, misunderstand or blame the customer to bas... See more
Company replied
They are incredibly slow to respond to messages/enquiries. The last time I sent them a question (asking why the pension payments from my employer are not showing up in mitpfa) they took 10 days t... See more
Company replied
Quick answer of phones. First 6 months of 2021 PFA have managed a 12% yield. That is excellent. Only thing that pulls a bit down are their insurance, which should be voluntary☹ with the packa... See more
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Company details
Information provided by various external sources
PFA er et pensionsselskab, men vi er meget mere end det. Udover pension og forsikring tilbyder vi i dag også opsparing for privatkunder og en række løsninger inden for blandt andet sundhed og boliger. Vi er ejet af vores kunder, og vi blev stiftet i 1917 for at sikre danskerne frihed til at leve det liv, de ønsker. Det er derfor en del af vores DNA at bidrage til en positiv samfundsudvikling. I dag har vi mere end 1,2 millioner kunder, og vi arbejder hårdt hver eneste dag for at leve op til vores kundeløfte: Mere til dig.
Contact info
Sundkrogsgade 4, 2100, København Ø, Denmark
- 39175000
- www.pfa.dk
1.9
Poor
553 reviews
Replied to 94% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
We just pay for what WE THINK you need
When reading the terms it is stated that Acupuncture is covered, for example. That said, I called to ask about coverage for a treatment but it has to be the exact diagnose or type of indication to be covered, otherwise, 'I am sorry, we cover it but not for your indication. Have fun paying it out of your pocket'.
The service lady was kind but the whole insurance is a joke.
January 2, 2026
Unprompted review
Reply from PFA
Dear Camila,
Thank you for your review, although we are of course sad to hear that our Health Insurance does not live up to your expectations.
We try to be as transparent as possible in explaining what is covered with PFA Health Insurance, but if you are unhappy with a certain case, please write us at mitpfa.dk or see your possibilities for us to review your case on this site: https://english.pfa.dk/other/your-customer-experience/
Best regards,
Carl
I give 1 as I could not give 0.
I give 1 as I could not give 0.
This health insurance is a fraud and should not be even considered as a health insurance.
All the possible tricks to delay, misunderstand or blame the customer to basically avoid doing their job which is to help them navigating a health related issue. If you can, avoid it. If you can't (probably your company picked it because it's cheap deal with no service) good luck!
December 18, 2025
Unprompted review
Reply from PFA
Dear Sergio,
Thank you for your review, although we are of course sad to read about your experiences with us.
We are not allowed to comment on specific cases here on Trustpilot due to regulations on personal data. But If you want a second opinion on your case or would like to know about your options from here, please refer to this site: https://english.pfa.dk/other/your-customer-experience/
Best regards,
Carl
Reply from PFA
Hi Emmanouil,
We are sad to read your review. We are not allowed to comment or reply to specific cases here on Trustpilot due to rules regarding personal data - but we do hope that you can take the time to share your feedback or comments via our website: https://english.pfa.dk/other/your-customer-experience/#feedback-and-comments-to-pfa.
That way we can hopefully do things better the next time.
Best regards,
Carl
I regret not reading these reviews…
I regret not reading these reviews earlier and adjusting my settings while I was still employed and contributing to PFA DK. Having worked with pension and private insurance providers across several countries, Denmark stood out — unfortunately, for the wrong reasons. The fees were shockingly high, and after two years on an expat scheme, I was only able to recover about half of my contributions. A significant portion was lost to fees and so-called "mandatory" opt-ins.
The withdrawal process was costly, and the investment options offered were far from optimal. One of the most frustrating experiences was trying to obtain a report on the health services I had used while employed. I requested it just a week after leaving Denmark, only to be denied access because I was no longer a member.
If you can, avoid PFA DK. If you're already enrolled, at the very least try to make use of the private insurance benefits while you're still eligible for medical services.
October 13, 2025
Unprompted review
Reply from PFA
Dear Robert,
Thanks for your review. Typically, in Denmark, it will be your employer that decides which offers are included in your pension scheme, and there are also very strict rules and regulations regarding withdrawals, which are unfortunately out of our hands.
If you wish to have your case reviewed again or file a formal complaint, you can see your options here: https://english.pfa.dk/other/your-customer-experience/
Best regards,
Carl
Nobody's there
Tried to call them today regarding how my company pays to the pension agreement due to unclear instructions.
Waited 25 minutes in queue! They said "15 minutes".
There is wait music which is only there for deterrence.
Non-sense information "The first available employee will take your call". Well that's obvious! And doesn't tell anything about waiting time. If there there is 19 before me, then the "first available" til be after number 19.
"Wait just a little longer" they told me - for 15 minutes!
They have a business depending on customers - but do not have an organization to handle customers!
I expect PFA on their on accord will pay the due money to the pensions when they cannot facilitate payments to the pensions!!!
August 8, 2025
Unprompted review
Reply from PFA
Hi Jakob,
We are sorry to hear about your experience.
Typically, you would be able to call us up and type in your phone number, and then just wait for the first available advisor to call you up. And you can of course always write us a message on mitpfa.dk.
We are sorry if the call-back function didn't work when you called us, and we also apologize for the long wait, which of course isn't what we aim for.
We hope that - despite the wait - you were able to get everything sorted, and hope that you will have a better experience the next time that you contact us.
Best regards,
Carl
Absolutly disaster.
Absolutly disaster.
Missing money on Pensions.
Forsikring disaster, They Will do everything for, to not pay you nothing.
June 24, 2025
Unprompted review
Reply from PFA
Dear Michal,
Thanks for the review, although we are sorry to hear about your experience with PFA. We are not allowed to handle cases via Trustpilot, but if you wish to share your experience with us, so that we can review your case, then please see this page for your options: https://english.pfa.dk/other/your-customer-experience/
Best regards,
Carl
Aloof and uncaring support
If you have no flexibility nor care, then what's the point of a private health insurance? I could get the same treatment in the public sector.
March 6, 2025
Unprompted review
Reply from PFA
Dear Balázs,
Thank you for your review. However, we are not quite sure what your question refers to. In 2024 alone, we have helped over 143.000 of our customers receive help through their Health insurance.
We offer help with minor injuries, in cases of failure to thrive or in case of more extensive illness and provide the possibility of quick examination and treatment. We also focus on early and preventive measures so that we can intervene before our customers fall ill.
An example of this could be how we ensure timely treatment for thousands of our customers through af combination of medical advice and approval of examinations and operations at private hospitals as well as treatments by psychologists, physiotherapists, chiropractors etc.
Please give us a call at 70 12 50 00 or write to us at mitpfa.dk if you have any questions regarding your pension og insurance plans with us.
Best regards,
Carl
"Mit PFA" doesn't work no matter which…
"Mit PFA" doesn't work no matter which browser I use (I've tried 3 different browsers on 2 different devices!). THIS IS UNACCEPTABLE!
November 16, 2024
Unprompted review
Reply from PFA
Dear Martin,
Thank you for the review, and we are sorry to hear that you have had issues logging on to mitpfa.dk.
We have not had any general issues with the platform, and we hope that you have been able to log on since your review. If you continue to have problems or have problems in the future, please call us at 70 12 50 00, and our advisors will be able to help answer your questions and hopefully solve the problem immediately.
Best regards,
Carl
Avoid like a plague. Don't let your employer choose this for you.
Worst company ever. Customer service agents are slow and unhelpful. Often times they don't bother responding. When they do respond, they are arrogant and think they are smarter than the customer.
Even my complaint on their website had no response. This company is a shame to Denmark.
November 15, 2024
Unprompted review
Reply from PFA
Dear Maurice,
Thank you for the review, and we are sorry to hear about your experience.
We have not been able to find you as a customer through your name on the review, and we also cannot find a complaint from you from our site.
We are not allowed to comment or handle a case directly on Trustpilot because of regulations on personal data, however, we hope that you will contact us (also if you would like to complain) and share your experience with us - see this site for more information: https://english.pfa.dk/other/your-customer-experience/
Best regards,
Carl
awful company
awful company, extremely expensive.
a big shame for the people of denmark
April 25, 2024
Unprompted review
Reply from PFA
Dear Adam,
We are sorry to read your reviews. PFA ranks among the most cost efficient on the Danish market when it comes to administration of pension plans, and therefore we also offer some of the lowest expenses and prices. We strive for complete openness and transparency with regard to the expenses the customers pay, and you can read more on this site: https://english.pfa.dk/about-pfa/financial-information/expenses-and-prices
If you want to share a particular customer experience with us, we would very much like to hear from your - see how you can contact us regarding customer feedback on this page: https://english.pfa.dk/other/your-customer-experience
Best regards,
Carl
My experience wasn't good with them…
My experience wasn't good with them because my payouts has been delayed for several weeks now and i have reached out to their support they've not been doing anything to it. I'm using Income Chãmpion and i don't experience such with them because they're very fast and more reliable to invest with them. I'd recommend them for everyone.
January 3, 2024
Unprompted review
Reply from PFA
Dear Helen,
Thank you for your review, and we are sorry to hear that payouts have been delayed. Due to regulations regarding personal data, we are not allowed to discuss personal cases here on Trustpilot, but we are of course interested in hearing more about your experience.
If you feel that our customer support is unable to help you moving forward, please feel free to share your experience with our customer representatives. You can find more info on how to do that on this site: https://english.pfa.dk/other/your-customer-experience/
Best regards,
Carl
I have extreme pain in my knees (9/10)…
I have extreme pain in my knees (9/10) which makes it extremely difficult to walk, not to mention do any physical activity. I called PFA asking them to help me find a hospital or doctor that can help me. They said they can not help me in this matter, because it’s not life threatening. I told them that I can no longer live like this, with this type of pain. The guy on the phone suggested that I should just kill myself then, because they will not help me to fix my knees so that I can walk and have a normal pain free life. I asked if this is really what he recommended, seriously, because I was shocked, and he said yes, he is ok with this response, this is PFAs decision and I should just end my life because that’s the only way to fix this problem. I could not believe this response from a private insurance that I pay every month, and from a person completely cold and heartless recommending suicide instead of treatment? I guess looking at 80% 1 star ratings I am not the only person with bad experience, but this is kind of response should be unacceptable and legal action should be taken against this company that would rather recommend suicide then a doctor that could help. So I have a choice to consider now. Do I take the advice of PFA and kill myself or find a lawyer and hold this shameful company responsible for suggesting suicide instead of helping with my painful injury.
December 8, 2023
Unprompted review
Reply from PFA
Dear Vadim,
Thank you for your review. This type of language or advice is not something that we recognize from our employees, and we would very much like to look into the matter.
We are not allowed to discuss cases in personal detail via Trustpilot due to personal data regulations, but we hope that you will take the time to contact our Customer Representatives who can look into your case - you can find contact information here: https://english.pfa.dk/other/your-customer-experience/#trust
Best regards,
Carl
The wonderful animals
The wonderful animals , different types of birds and about wildlife in urban areas
August 28, 2023
Unprompted review
You will not get any help with this insurance. You will just waste time of your life, get stress and frustration.
I got an appointment with a psychiatrist via a phone call. A name of a doctor and a region was the only information I was given. Nobody sent me any detailed information, no address, no full name of a doctor.
A waiting time was one month. The day of the appointment I called to PFA to get details about the doctor and a place. I was waiting on a call for more then two hours... None picked up the phone. I've sent a message via website. No response ... At the end I didn't go anywhere ....
Overall, all together I've spent around 8 hours just trying to get medical help that I need. It looks to me that it's made in a way that you will give up receiving anything from PFA. I'm considering to change my insurance company
August 16, 2023
Unprompted review
Reply from PFA
Dear Alina,
Thank you for your review, although we are of course sad to hear about your experience. We are not allowed to follow up on cases via Trustpilot due to regulations on personal data. However, we are of course interested in following up and providing you with an explanation and answers to the situations you describe above. If you are interested in this, please give us a call again at 70 12 50 00, or you are also welcome to contact our Customer Representatives - find contact info here under 'Your customer experience with PFA': https://english.pfa.dk/contact/
Best regards,
Carl
Absolutely rubbish !
0 start if I could. There’s absolutely no response at all. Waiting on calls for hours without any answer.
May 30, 2023
Unprompted review
Reply from PFA
Hi Umair,
We are sorry to hear that you are not able to get in contact with us. You are always welcome to call us within our opening hours and in the menu you can choose to either wait for the next available advisor or to have an advisor call you back - we will always call back on the same day. Again, we apologize for your experience with us, and hope that you will try to contact us again.
Best regards,
Carl
Following the reply by Carl to my…
Following the reply by Carl to my previous email I have requested the Life Certificate on this the phone number given without any results. What else can I do.
March 28, 2023
Unprompted review
Drop them, as fast as you can.
First they tell me to wait 3 months, then they say I ll pay taxes ( fine by me), and then they take 2000 kr for a "fee".
Tell me, do you write your mails with the golden tears of virgins or is it simply because you consider OUR money, yours? I get you need capital ( ours) to do your things and investments, but to take 2000rk on a 10000 kr amount ( minus 60% taxes) is morally corrupted, unethical, and says a lot about why employeers chose you.
You do not have the employees wellfare in mind.
Oh, and of course, none was agreed before hand, nothing was signed, it was not even mentionned.
Nauseating.
July 12, 2022
Unprompted review
Reply from PFA
Dear Lili
I regret to learn that you have had a negative experience with PFA.
Based on your information, I understand that you have decided to withdraw your savings prematurely. According to the tax rules, your payout will then be subject to a 60 % tax, which you also mention. In addition, we charge a standard fee of DKK 1,895 for the transaction. The fee is deducted from the payout before tax, which means that the amount you end up paying is actually lower – approximately DKK 760 and not DKK 1,895. I can add that PFA’s fees are in line with other providers in the industry and that the fees cover the costs of processing your case resulting from the changes of agreement that the payout involves.
The above-mentioned is subject to reservations, as my knowledge of your situation is limited to the few lines in your review. If you want a more detailed reply, I recommend that you call us so that we can look you up in our database and ensure that we have the correct information.
Best regards/Soren
They are incredibly slow to respond
They are incredibly slow to respond to messages/enquiries. The last time I sent them a question (asking why the pension payments from my employer are not showing up in mitpfa) they took 10 days to respond. And the response was "we'll pass on this enquiry to the right department"!
10 days to pass on the message!
It's fairly important for me to know that the money isn't going missing somehow, and yet I am expecting another pay day to go by without getting an answer.
Updated: how come PFA have staff with enough time to write polite responses here on Trustpilot, but not enough to answer my enquiry on mitpfa?
I don't see why I should have to call you in order to get a response. I have made you aware of my issue via a communication channel you provide - I shouldn't need to call you as well, you should be calling or emailing me with an answer.
May 18, 2022
Unprompted review
Reply from PFA
Dear Chris,
Thanks for the review, and we understand your frustration. The response time that you mention is of course not what we aim for. We hope that you will take the time to call us instead (number is: +45 70 12 50 00) within our opening hours, and we will be able to answer any questions that you have regarding your pension payments right away - you can find our opening hours and contact info here: https://english.pfa.dk/contact/
Best regards,
Carl
They are terrible to work with
They are terrible to work with. They never respond on email. When you call them in working hrs than it take hrs to get hold of somebody. I am defintely going to complain about this to my company.
TO PFA
I have called 4 times last monday nobody picked calls, I sent mail through mit PFA noby replied for last 5 days. I submitted Policy change request 3 months back, still no response. I have proofs but still you dare to put such comment below without verifying details. What a service!
May 2, 2022
Unprompted review
Reply from PFA
Dear Anshuman,
Thanks for your review, although we are of course disappointed to hear about your experience here in PFA. Of course, it should not take hours to get a hold of us. We are available on our phones (+45 70 12 50 00) in our opening hours, and typically answer right away or have very short waiting times. We also respond to messages sent to us via our platform Mit PFA (not by email, because this is not a secure communications platform).
If you would still would like to complain about your customer experience with us, please reach out to our customer representative via this form: https://english.pfa.dk/individual/forms/complaints-to-pfa/.
Best regards,
Carl
Worst insurance company ever!!
Worst insurance company ever!!! We chosen PFA, as a guarantee, that,if we get sicness, if we can not work, that PFA will help. More than 3 years, how we are not able to work and are totally ignored by Peter from PFA. He does not answer to our mails, he ignores our calls. Visibly he tries to use as much time as possible. We pay membership many years, but get 0 help. They do not even to any of our mails, on telephone, secretary promisse to call back, no one calls back, 3 years already! terrible service. What can take to behandle sagen 3 years? Never ever choose this CHETERS insurance. 0 help, 0 respect, 0 money. They take membership money, but they do not give any help.
Will inform all the possible institutions about this illegal behaviour and hope their cheating company will not be able to cheat anymore.
They also do not answer to the complain.
Terrible. Shame on you PFA, skameon you Peter!!!!
January 10, 2022
Unprompted review
Reply from PFA
Hi MegaV Aps
We are sorry to hear about your experience with PFA. Unfortunately, we are not allowed to go into specific details concerning your case here on Trustpilot, but we will instead contact you directly with an explanation and status regarding your case.
Best regards,
Carl
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