Accident Insurance | Calculate price and be well secured

Why you should choose If

Advantages of choosing an accident insurance from us

Full security for you and your family with our adult and child insurances
With the Immediate compensation add-on you'll receive a one-time payment if you for instance fall and break your arm
If is the biggest insurance company in the Nordics

If you bundle your insurances with us, you can save up to 15 % on all your insurances.

See the coverage on our accident insurances for adults

Our adult insurances provide coverage in case of both accidents and illness making them the most secure choice.

Adult Super	Adult	Accident
Included	Included	Included	You are entitled to compensation if you have a permanent disability rating of at least 5 % as a result of a covered accident.
Included	Included	Included	You will automatically receive double compensation if you have a disability rating of at least 30 % as a result of a covered accident. For example, if you have an insurance coverage of 1 million Danish kroner for permanent disability and you have a disability rating of 30%, you will receive 600,000 Danish kroner in compensation (2 x 300,000 Danish kroner).
Included	Included	Included	Covers your dental injuries if they occur as a result of a covered accident.
Included	Included	Included	You will have expenses for reasonable and necessary physical treatments (chiropractor and physiotherapist) covered when you have been injured as a result of a covered accident.
Included	Included	Included	You will have necessary transportation within Denmark covered when you are taken from the accident site to the nearest treatment facility after being involved in an accident.
Included	Included	Included	You are entitled to compensation in the event of death as a result of a covered accident.
Included	Included	Included	Psychological crisis support is provided if you are directly involved in a robbery, assault, traffic accident, drowning incident, or life-threatening poisoning accident. Additionally, the insurance covers the death of a close relative if you or a close relative is diagnosed with a life-threatening illness.
Included	Included	Included	You are entitled to compensation if you sustain a disability rating of at least 5% as a result of a covered accident while engaging in dangerous sports, such as go-karting or diving.
Included	Included	Not included	The insurance covers you if you, as the operator of a motorcycle, EU-moped, scooter, or private aircraft, are involved in a covered accident.
Included	Included	Not included	You are entitled to compensation if you have a permanent disability rating of at least 5% as a result of a covered disease.
Included	Included	Not included	You will automatically receive double compensation if you have a disability rating of at least 30% as a result of a covered disease. For example, if you have an insurance coverage of 1 million Danish kroner for permanent disability and you have a disability rating of 30%, you will receive 600,000 Danish kroner in compensation (2 x 300,000 Danish kroner).
Included	Included	Not included	The insurance entitles you to a one-time payment of 100,000 Danish kroner, which is paid out immediately upon certain diagnoses.
Included	Not included	Not included	The insurance covers you if you experience a permanent reduction in work capacity of at least 50% as a result of a covered accident or disease. Permanent reduction in work capacity means that it is not expected for the condition to improve.

Calculate price (in Danish)

Accident insurance for your child

With our child insurances you ensure your child's future in case of serious illness or an accident. The child insurance provides 24/7 coverage, no matter where your child is – at home, at school, or anywhere else.

Child Super	Child	Accident
Included	Included	Included	You are entitled to compensation if you have a permanent disability rating of at least 5 % as a result of a covered accident.
Included	Included	Included	You will automatically receive double compensation if you have a disability rating of at least 30 % as a result of a covered accident. For example, if you have an insurance coverage of 1 million Danish kroner for permanent disability and you have a disability rating of 30%, you will receive 600,000 Danish kroner in compensation (2 x 300,000 Danish kroner).
Included	Included	Included	Covers your dental injuries if they occur as a result of a covered accident.
Included	Included	Included	You will have expenses for reasonable and necessary physical treatments (chiropractor and physiotherapist) covered when you have been injured as a result of a covered accident.
Included	Included	Included	You will have necessary transportation within Denmark covered when you are taken from the accident site to the nearest treatment facility after being involved in an accident.
Included	Included	Included	You are entitled to compensation in the event of death as a result of a covered accident.
Included	Included	Included	Psychological crisis support is provided if you are directly involved in a robbery, assault, traffic accident, drowning incident, or life-threatening poisoning accident. Additionally, the insurance covers the death of a close relative if you or a close relative is diagnosed with a life-threatening illness.
Included	Included	Included	You are entitled to compensation if you sustain a disability rating of at least 5% as a result of a covered accident while engaging in dangerous sports, such as go-karting or diving.
Included	Included	Included	The insurance covers you if you, as the operator of a motorcycle, EU-moped, scooter, or private aircraft, are involved in a covered accident.
Included	Included	Not included	You are entitled to compensation if you have a permanent disability rating of at least 5% as a result of a covered disease.
Included	Included	Not included	You will automatically receive double compensation if you have a disability rating of at least 30% as a result of a covered disease. For example, if you have an insurance coverage of 1 million Danish kroner for permanent disability and you have a disability rating of 30%, you will receive 600,000 Danish kroner in compensation (2 x 300,000 Danish kroner).
Included	Included	Not included	The insurance entitles you to a one-time payment of 100,000 Danish kroner, which is paid out immediately upon 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	Not included	Not included	The insurance covers you if you experience a permanent reduction in work capacity of at least 50% as a result of a covered accident or disease. Permanent reduction in work capacity means that it is not expected for the condition to improve.

Calculate price (in Danish)

Coverages

Find the best accident insurance for you

When you purchase an accident insurance with us, you have the opportunity to tailor your own private accident insurance.

You can choose whether the accident insurance should be in effect all the time or only during your leisure time, and whether your accident insurance should be extended to also cover illness.

You may be asked to complete a health declaration as part of the purchase.

Accident insurance - for both children and adults

Our accident insurance for children coverage 24/7, whether the child is at home, in school, or in an institution. As an adult, you can choose whether you want to be covered all the time or only in your spare time.

If you choose full-time accident insurance, you are covered in the event of an accident in both your spare time and at your workplace, should you get injured.

However, if you choose leisure-time accident insurance, the coverage only applies during your spare time, and not if you get injured at work.

With our accident insurance, you are covered in the event of an accident in Denmark and the Nordic countries without time limitation, as well as during trips of up to 12 months in the rest of the world.

Accident and illness insurances for adults

Adult
The advantage of an adult insurance is that you are covered against both accidents and illness, whereas with an accident insurance, you are only covered in case of an accident.

So, an adult insurance includes a private accident insurance, but also covers disabilities resulting from illness.

Adult Super
If you want both illness and accident insurance and additionally want an increased payout if your work capacity is reduced, you should choose the Adult Super insurance.

Adult Super provides particularly good coverage if your work capacity is reduced by 50 % or more, as a result of an accident or one of several specifically defined illnesses.

Accident and illness insurances for children

Child
While a private accident insurance only ensures your child in case of accidents, the Child insurance also provides coverage for illness.

If you choose a Child insurance, your child both gets an accident insurance and is also covered for permanent disabilities resulting from illness.

Furthermore, the Child insurance provides immediate compensation if your child is struck by a serious illness, in addition to extra financial security if your child needs to be hospitalized for an extended period.

The Child insurance can thus help make a difficult time a bit easier.

Child Super
With our Child Super insurance, your child both gets an accident and an illness insurance and is furthermore provided with extra financial security!

With Child Super you provide your child with extra financial security in the event of accidents or illnesses that lead to reduced work capacity.

Terms and conditions, purchase terms and product info

Terms and conditions for the insurance
We refer to the current terms and conditions for the accident insurance:
- Terms and conditions - Accident insurance (in Danish)
Purchase terms
Here you will find our purchase terms:
- Information upon purchasing insurances (in Danish)
Product information
Learn more about the insurance in our document containing information about the insurance product:
- Product information about accident insurance for adults (in Danish)
- Product information about accident insurance for children (in Danish)

For extra security

Add-on to your accident insurance

Immediate compensation

Immediate compensation means that you receive 1% of your accident insurance coverage amount if you for instance fall and break your arm.

Immediate compensation

Immediate compensation means that you receive 1% of your accident insurance coverage amount if, for example, you fall and break your elbow, wrist, shoulder, collarbone, upper or lower arm, metacarpal bones (excluding fingers), back, coccyx, pelvis, hip, thigh bone, knee, lower leg, ankle, or midfoot/instep including heel (excluding toes).

You can also receive immediate compensation for a completely or partially torn cruciate ligament in your knee, as well as a completely torn Achilles tendon and collateral ligaments in your knee.

All diagnoses must be made and documented by a doctor in a medical or emergency room journal. Once we have received all the necessary documentation, we can process the compensation payment. The compensation does not affect any potential payment if the accident results in permanent disability.

The compensation is always paid to the policyholder, not necessarily the insured person. This means that as an adult, you will receive the compensation, whether it is yourself or your child who uses the coverage.

You can add Immediate compensation to all of our accident-, adult and child insurances.

Calculate price (in Danish)

Let us help you

Are you correctly insured?

Life changes over time.

Maybe your family grows bigger and with time your children might leave home. You may move to a new house or get a dog.

We are happy to help you choose the right insurances for you and your life situation.

Always feel free to contact us on phone number +45 70 12 12 12 or book a meeting online.

Book meeting (in Danish)

Man looking at a computer trying to choose an accident insurance

Bundle your insurances with us

If you bundle your insurances with us you can save up to 15 % on all your insurances. Call us to hear more.

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