ADULT INSURANCE

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  1. Adult insurance

If you wish to be covered for both illness and accident, this often requires two separate insurance policies. If offers Adult Insurance with both accident insurance and illness insurance in one policy.

If, besides accident and illness insurance, you wish to take out reduced earning capacity insurance, you may prefer to choose our Adult Insurance Super. This adult insurance will cover you if your earning capacity is reduced by 50% or more as a consequence of an accident or a qualifying illness.


  • Optimum cover

    The accident insurance covers you if you are injured whilst riding a motorcycle or moped or taking part in dangerous sports.

  • Counselling

    The accident insurance offers you emergency counselling if you are directly involved in an accident.

  • Dental injury

    The accident insurance covers dental injury as a result of an accident.

Adult accident insurance Adult Super Adult Accident
Permanent injury as a result of an accident

Compensates you if you suffer a permanent injury of at least 5% following an accident.

Double compensation in the event of an accident

Gives you double compensation if you suffer an injury of at least 30% following an accident.

If you are insured for DKK 1m in the event of permanent injury and you suffer a 30% injury you will receive DKK 600,000 compensation (2 x DKK 300,000).

Dental injury as a result of an accident

Covers dental injury as a result of an accident.

Treatment costs in the event of an accident

Covers expenses for reasonable and necessary physical treatment (chiropractor and physiotherapist) when you have suffered an injury as a result of an accident.

Transport costs from the accident site

Covers your necessary transportation within Denmark from the accident site to the nearest treatment facility following involvement in an accident.

Death as a result of an accident

Compensates you in the event of death as a result of an accident.

Counselling

Covers counselling if you are directly involved in a robbery, assault, traffic accident, drowning or other life-threatening accident.

The accident insurance also covers counselling if someone close to you dies or if someone close to you is diagnosed with a life-threatening disease.

Sports injuries – incl. dangerous sports

Compensates you if you suffer a permanent injury of at least 5% following an accident whilst taking part in a dangerous sport, e.g. go-carting or diving.

Riding motorcycles and mopeds and flying private planes

Covers if you have an accident while riding a motorcycle, EU moped or scooter or flying a private plane.

Permanent injury as a result of certain illnesses

Compensates you if you suffer a permanent injury of at least 5% as a result of a covered illness.

Double compensation in the event of certain illnesses

Gives you double compensation if you suffer a permanent injury of at least 30% as a result of a covered illness.

If you are insured for DKK 1m in the event of permanent injury and you suffer a permanent injury of 30% you will receive DKK 600,000 compensation (2 x DKK 300,000).

Financial first aid

Gives you immediate compensation in the form of a lump sum of DKK 100,000 in the event of certain diagnoses.

Reduced capacity for work as a result of an accident or certain illnesses

Covers you if you experience a permanent reduction in your capacity for work of at least 50% as a result of a covered accident or illness.

Permanent reduction in your capacity for work means that the condition is not expected to improve.

REDUCE THE COST OF YOUR INSURANCE WITH OUR REWARD PROGRAMME

When your car, your household contents or your house are insured with us, you will automatically be part of the If reward programme, which includes a 10% discount on all insurance, in addition to DKK 100 added to special savings on your deductible for each claims-free year.

If you combine your car and household contents or house insurance with us, you will get a 15% discount on all insurance, in addition to savings on your deductible of DKK 200 – and if you also insure yourself, your partner or child with us, the savings on your deductible will increase to DKK 500, and you will have access to our insurance service.


Cover

Everyday peace of mind with Adult Insurance

If's Adult Insurance gives you an advantageous combination of accident insurance and illness insurance, which protects you if you sustain permanent medical disability, whether this is due to an accident or certain illnesses.

With Adult Insurance, you will well-covered 24/7, at work and in your private life.

The cost of your Adult Insurance depends on your employment situation, and the insurance can only be purchased when you are aged between 16 and 49. The Adult Insurance will lapse when you reach 55 years of age.

Adult Insurance covers all parts of Denmark and the Nordic region, including the Faroe Islands and Greenland, without any time limit, in addition to travel of up to 12 months' duration in the rest of the world.

Our Adult Insurance also covers:

  • Permanent medical disability as a consequence of accidents and certain illnesses
    You will be covered by Adult Insurance if you sustain permanent medical disability as a consequence of an accident or one of several defined illnesses. You choose the sum of this insurance cover.

  • Double compensation in the event of accident or illness
    You receive double compensation in the event of severe injuries that lead to 30% or higher permanent medical disability. The double compensation applies to both accident and illness claims.

  • Financial first aid
    If you suffer from certain serious illnesses, such as cancer, or if you are to have an open heart surgery, the Adult Insurance will pay out DKK 100,000 after diagnosis or treatment.


Expand your Adult Insurance with Immediate Compensation

If you would like to have extra good cover under your Adult Insurance, you can choose to extend the insurance with Immediate Compensation.

If you have an accident from which you sustain physical injury that is entitled to cover, you will receive financial assistance in the form of an immediate payment of 1% of the sum of your Adult Insurance.

If your insurance sum is DKK 1 million, for example, you will receive DKK 10,000.

Immediate Compensation will not affect any other payment in any way – you will still receive it, if you suffer permanent medical disability of at least 5%.

Questions & answers

Questions and answers about the health declaration

To get the best possible cover at the right price under your Adult Insurance, you must complete a health declaration in as much detail as possible – in this way you can ensure that your Adult Insurance is matched to your needs.

Read more about the health declaration here: Health declaration (in Danish)

Here are answers to some of the most frequently asked questions about completing the declaration:


Who must complete the health declaration?

As the policyholder of the Adult Insurance, you must complete and sign the declaration.

For young people under the age of 18, you, as the holder of parental authority, must complete the declaration. You do not need to contact or visit a doctor.


What if I cannot answer the questions?

If you have questions about completing the Adult Insurance health declaration, you are welcome to call our Healthcare Team on (+45) 36 87 47 99.

If you are uncertain of whether you have had any of the symptoms described, you can ask your own doctor, for safety's sake.


Why is it important to answer truthfully?

In order for you to get the right Adult Insurance at the right price, you must answer all questions truthfully. Incorrect information may lead to the Adult Insurance not being in force when you really need it.

If we are unsure about anything, we will ask your doctor and then we will review your health declaration and give you a response concerning your Adult Insurance.


Can my Adult Insurance be rejected due to certain illnesses?

We make an individual assessment of each health declaration, and in order for us to give you the right cover on your Adult Insurance, it is important that you give us as much information as possible. Call us if you have any questions.


What happens if I have had an illness?

By no means all illnesses affect Adult Insurance. In certain cases, we may make reservations for certain illnesses or conditions, and in other cases we may be able to offer you Adult Insurance at a slightly higher price.


Does If contact my doctor?

We will only contact your doctor if there is anything we are in doubt about concerning your Adult Insurance.

By signing the declaration of consent at the end of the health declaration, you give us the opportunity to obtain the information necessary to give you the best possible cover under your Adult Insurance.

You will always be notified if we obtain medical information.

Terms and conditions, purchase terms and product info

Terms and conditions for Adult Insurance

Please refer to the applicable terms and conditions for our Adult Insurance.

Terms and conditions – Adult Insurance (in Danish)

Purchase terms

You can find our purchase terms here:

Information on purchase of insurance (in Danish)

Product info

Read more about the insurance in our insurance product information document:

Product info about Adult Insurance (in Danish)

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  1. Adult insurance