CHILD INSURANCE

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  1. Private
  2. Insurances
  3. Child insurance

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

  • 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.


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.

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

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.

GATHER YOUR INSURANCES

Get up to 15% discount
  1. Private
  2. Insurances
  3. Child insurance