CHILD INSURANCE

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  1. Child insurance

Child Insurance protects the most precious thing you have: your child.

We don't like thinking about illness and accidents, especially when it comes to our children. Nonetheless, serious illness and accidents can occur.

It comes as a surprise to many parents that their children are not covered by accident insurance if they fall seriously ill – more comprehensive insurance is needed in this case.

Our Child Insurance provides good cover of your child in the event of illness or an accident.


  • Hospital compensation

    You will receive DKK 300 per day if your child is hospitalised for more than eight days.

  • Financial first aid

    Immediate payment of a lump sum of DKK 100,000 for certain diagnoses.

  • Best Customer Service in the Industry

    If won the Best Customer Service Award in the area of pension and finance in 2017.

Child accident insurance Child super Child 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.

Hospitalisation compensation

Covers daily compensation of DKK 300 for the policyholders' (often parents') additional expenses associated with the insured child's hospitalisation. The hospitalisation must last for at least 8 consecutive days.

Death as a result of illness

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

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.


ADDITIONAL COVER

For those who want to be on the safe side

Immediate Compensation means you get 1% of your accident insurance cover paid out right away if you e.g. fall and break your elbow, wrist, shoulder, collarbone, upper or lower arm, metacarpus (not fingers), spine, coccyx, pelvis, hip, femur, knee, lower leg, ankle or metatarsus (not toes).

You can also get Immediate Compensation for a fully or partially torn cruciate ligament in the knee, and a fully torn Achilles tendon and collateral ligament in your knee.

Any diagnoses must be made and documented by a doctor in a medical or emergency department record, and the compensation will have no effect on any payment if the accident leads to permanent medical disability.

It is always the policyholder who receives payment of the Immediate Compensation, and not necessarily the insured person. This means that you, as an adult, will receive the compensation, irrespective of whether it is you or your child who makes use of the cover.

CHILD INSURANCE COVERS EVERYWHERE, AROUND THE CLOCK

Since 2012 it has not been possible for municipalities to insure children in schools, nursery schools and crèches, and it is therefore up to you as a parent to insure your own child.

Even though you naturally don't expect your child to fall ill or suffer an accident, it's best to be on the safe side, also financially.

Every day, there are more than 100 accidents in Danish school playgrounds. With If's Child Insurance, your child will be covered everywhere, 24 hours a day.


CHILD INSURANCE OPTIONS

You can choose to extend your child's Child Insurance to include Immediate Compensation.

If your child suffers an accident in which the child sustains physical injury, such as a fractured shoulder or elbow, you will receive financial assistance in the form of Immediate Compensation at 1% of the insurance sum.

This means that your child can recover at his or her own pace, without you having to worry about the cost of e.g. transport to and from school. If the fracture leads to permanent medical disability, the compensation will not affect any payment of Child Insurance.


CHILD INSURANCE SUPER

With Child Insurance Super, besides protecting your child financially in the event of accident or illness, you can protect your child from a reduction of working capacity of 50% or more.


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

Child Insurance covers both accidents and illness

Our Child Insurance covers your child 24 hours a day, when the child is in school or daycare, during transport, e.g. by bicycle, during leisure activities, or at home.

Your child can have Child Insurance from the age of 0 months until the child reaches the age of 16. Even though the insurance is called "Child Insurance", and is therefore aimed at children, Child Insurance covers your child right up to the age of 25 – for the same price irrespective of your child's employment.

With our Child Insurance, your child is covered everywhere – in Denmark, the Nordic region and when travelling for up to 12 months in the rest of the world.


With Child Insurance, your child is covered for

  • Permanent medical disability due to an accident or illness
    Child Insurance provides cover if your child sustains permanent medical disability as a consequence of an accident or almost all illnesses. You can choose the insurance sum for this element of the child's Child Insurance.

  • Double compensation in the event of accident or illness
    You and your child will receive double compensation in the event of severe injuries that lead to more than 30% permanent medical disability.

  • Hospital compensation
    If your child is admitted to hospital for at least eight consecutive days, DK 300 per day will be paid to the parents, with retroactive effect from the first day of admission.

  • Financial first aid
    If your child suffers a serious illness, such as cancer or diabetes type 1, on diagnosis you will immediately receive DKK 100,000. In principle, the Child Insurance cover is paid to the parents, but if your child is over 18 years of age, he or she will receive the payment.


Child Insurance furthermore gives the same cover as our Accident Insurance

  • Dental damage due to an accident
  • Costs of treatment due to an accident
  • Transport costs from the scene of the accident
  • Death due to an accident
  • Psychological crisis counselling
  • Sports injuries – even for dangerous sports

Questions & answers

Who completes the medical declaration?

When you purchase Child Insurance for your child, you as a parent must complete the declaration. You do not need to contact or visit a doctor.

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


What if I can't answer the questions?

If you have problems with answering the questions in the health declaration for Child Insurance, you are welcome to call our Healthcare Team.

If you are unsure whether your child has had any of the symptoms described, you can ask your child's doctor for safety's sake.


Why is it important to answer truthfully?

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

If we are in doubt about anything, we will ask the child's doctor to give us the correct information, and you will always be notified if we obtain information from the doctor. We then assess the health declaration and give you answers about your Child Insurance.


Can we get Child Insurance if the child has been ill?

We make an individual assessment of each health declaration and certain illnesses may affect whether or not your child can get Child Insurance.

To be able to give your child the right Child Insurance and the right cover, it is important that you give us as much information as possible. Call us if you have any questions.


What happens if my child has had an illness?

Many illnesses do not affect the Child Insurance, but in some cases, we can make reservations for certain illnesses or conditions with regard to the insurance.


Do you contact my child's doctor?

We only contact doctors if there is something we are unsure about. By signing the consent statement at the end of the health declaration, you give us the opportunity to obtain the information necessary to give your child the best possible Child Insurance and cover.


Can I buy Child Insurance if my child has a congenital disease?

You can buy Child Insurance even if your child has a congenital disease. You must just be aware that Child Insurance does not cover permanent medical disability or consequences of congenital diseases.


Who is Immediate Compensation paid out to?

It is always the policyholder who receives payment of the Immediate Compensation, and not necessarily the insured person.

This means that you, as an adult, will receive the compensation, irrespective of whether it is you or your child who makes use of the cover.

Terms and conditions, purchase terms and product info

Terms and conditions for Child Insurance

Please refer to the applicable terms and conditions for our Child Insurance

Terms and conditions – Child 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 Child Insurance (in Danish)

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  1. Child insurance