Accident Insurance

Optimum cover
The accident insurance covers you if you are injured whilst riding a motorcycle or moped or taking part in dangerous sports.
Dental injury
The accident insurance covers dental injury as a result of an accident.
Counselling
The accident insurance offers you emergency counselling if you are directly involved in an accident.

An accident insurance covers you against accidents. Do you want your insurance to also cover you against illness? Then choose our Adult or Adult Super insurances instead of the basic accident insurance.
The Adult and Adult Super insurances cover you if you suffer permanent injury as a result of an accident or illness. Cover includes dental injury and financial first aid in the event of certain diagnoses.

Adult accident insurance	Adult Super	Adult	Accident
Compensates you if you suffer a permanent injury of at least 5% following an accident.	Included	Included	Included
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).	Included	Included	Included
Covers dental injury as a result of an accident.	Included	Included	Included
Covers expenses for reasonable and necessary physical treatment (chiropractor and physiotherapist) when you have suffered an injury as a result of an accident.	Included	Included	Included
Covers your necessary transportation within Denmark from the accident site to the nearest treatment facility following involvement in an accident.	Included	Included	Included
Compensates you in the event of death as a result of an accident.	Included	Included	Included
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.	Included	Included	Included
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.	Included	Included	Included
Covers if you have an accident while riding a motorcycle, EU moped or scooter or flying a private plane.	Included	Included	Included
Compensates you if you suffer a permanent injury of at least 5% as a result of a covered illness.	Included	Included	Not included
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).	Included	Included	Not included
Gives you immediate compensation in the form of a lump sum of DKK 100,000 in the event of certain diagnoses.	Included	Included	Not included
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.	Included	Not included	Not included

Child accident insurance	Child super	Child	Accident
Compensates you if you suffer a permanent injury of at least 5% following an accident.	Included	Included	Included
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).	Included	Included	Included
Covers dental injury as a result of an accident.	Included	Included	Included
Covers expenses for reasonable and necessary physical treatment (chiropractor and physiotherapist) when you have suffered an injury as a result of an accident.	Included	Included	Included
Covers your necessary transportation within Denmark from the accident site to the nearest treatment facility following involvement in an accident.	Included	Included	Included
Compensates you in the event of death as a result of an accident.	Included	Included	Included
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.	Included	Included	Included
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.	Included	Included	Included
Covers if you have an accident while riding a motorcycle, EU moped or scooter or flying a private plane.	Included	Included	Included
Compensates you if you suffer a permanent injury of at least 5% as a result of a covered illness.	Included	Included	Not included
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).	Included	Included	Not included
Gives you immediate compensation in the form of a lump sum of DKK 100,000 in the event of certain diagnoses.	Included	Included	Not included
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.	Included	Included	Not included
Compensates you in the event of death as a result of an illness.	Included	Included	Not included
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.	Included	Not included	Not included

Additional cover

For those who want to be on the safe side

Immediate compensation

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.

FAQ

How am I best insured?

Some insurances are a statutory requirement in Denmark, in particular third-party insurances for cars, motorcycles, mopeds and dogs – it is mandatory for you to have such an insurance if you own a car or dog, for example.

Other insurances are also advantageous, though not mandatory, in particular accident insurance, contents insurance and travel insurance if you travel frequently. These insurances give you good cover in most respects.

Read about contents insurance

Where does my accident insurance provide cover?

Your accident insurance covers you indefinitely in Denmark and the Nordic countries, and for up to 12 months when travelling in the rest of the world.

When does my accident insurance provide cover?

It is up to you to choose whether you want a 24-hour accident insurance or a leisure-time accident insurance. Do you want your accident insurance to cover you 24 hours a day or only in your spare time when you are not working?

Does my age affect my accident insurance cover?

Your age has no effect on your accident insurance. The accident insurance provides cover involving the same excellent conditions, regardless of your age.

What is a disability sum?

When you buy a private accident insurance in Denmark you have to choose a disability sum. The disability sum is the amount you receive if you suffer an injury after an accident.

If you have a disability sum of DKK 1m, for example, and suffer a permanent disability of 10% as a result of an accident you will receive DKK 100,000 compensation.

What is a death benefit?

When you buy a private accident insurance in Denmark you have to choose a death benefit. The death benefit is the amount your next of kin will receive in the event of death caused by an accident.

Does the accident insurance also cover illness?

The basic accident insurance only provides cover against accidents and not against illness.

If you want an insurance that covers both accidents and illness you should choose our Adult or Adult Super for you and your partner, and Child or Child Super for your children. This will give your whole family good cover against both accidents and illness.

Should I pay extra if I do dangerous sports?

Your accident insurance will not be more expensive just because you do dangerous sports, e.g. mountaineering and parachuting.

Should I pay extra if I ride a motorcycle?

Your accident insurance will not be more expensive just because you ride a motorcycle or moped or fly a private plane.

Adult and Adult Super

What are the differences between accident insurance, Adult Insurance and Adult Super?

The three insurances provide different areas of cover:

The accident insurance provides very wide-ranging cover against accidents.
The Adult Insurance covers both accidents and illness.
The Adult Super insurance covers accidents, illness and reduced capacity for work.

Child Insurance and Child Super

Who receives the death benefit?

The death benefit automatically goes to the child’s guardians (parents), but you can choose other beneficiaries, e.g. grandparents or siblings.

What are the differences between accident insurance, Child Insurance and Child Super?

The accident insurance provides very wide-ranging cover against accidents.
The Child Insurance covers both accidents and illness.
The Child Super insurance covers accidents, illness and reduced capacity for work.

Terms

Please see the applicable terms for the accident insurance.

Terms – Accident insurance (in Danish)

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