Accident insurance

We have three variants of accident insurance. One covers only accidents, while the other two also provide coverage in case of illness. See the different coverages in the table and choose the insurance that best suits you.

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Complete security
When you're covered for both accidents and illness, you provide security for yourself and your family in difficult times.
Counselling
The accident insurance offers you emergency counselling if you are directly involved in an accident.
Immediate compensation
With the "Immediate Compensation" add-on, you'll receive a one-time payment to assist with your daily life, for instance, if you break your arm.

Here you can see the different coverages. Both "Adult" and "Adult Super" also cover illness, making them the most secure choice. If you choose one of these insurances, you are covered when you need it the most, whether it's due to accident or illness.

Adult insurance coverages	Adult Super	Adult	Accident
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
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.	Included	Not included	Not included

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Accident insurance for your child

With our child insurance, you ensure your child's future in case of serious illness or an accident. The child insurance provides coverage around the clock, everywhere.

Child insurance coverages	Child Super	Child	Accident
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	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	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.	Included	Not included	Not included

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Optional add-ons	Adult Super	Adult	Accident
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.	Included	Included	Included

Correctly insured?

Life changes along the way. Your family grows or your children leave home. Perhaps you buy a new house or an extra car. Get help with choosing the right insurances for you and your life.

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Coverages

Find the Best Accident Insurance for You

When you purchase an Accident Insurance with us, you also 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 insurance purchase. Read more about the health declaration here: Health Declaration.

Accident Insurance - for both children and adults

Accident insurance for children always provides coverage, whether the child is at home, at school, or in an institution. As an adult, you can choose whether you want to be covered all the time or only in your free time.

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

However, if you choose leisure-time accident insurance, the coverage only applies during your free 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 sickness insurances for adults

Adult
The advantage of an Adult Insurance is that you are covered against both accidents and sickness, 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 sickness and accident insurance, and additionally want an increased payout if your work capacity is reduced, you should choose Super Adult Insurance.

Super Adult Insurance 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 sickness 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.

With a Child Insurance, your child gets an accident insurance, but 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.

Super Child
With Super Child Insurance, your child gets both an accident and sickness insurance, and is also provided with extra financial security!

With Super Child Insurance, 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 can find our purchase terms.

Information upon purchasing insurance (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 Product (in danish)
- Information about Accident Insurance for Children (in danish)

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