Child insurance

You are entitled to compensation if you have a permanent disability rating of at least 5 % as a result of a covered accident.

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).

Covers your dental injuries if they occur as a result of a covered accident.

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.

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.

You are entitled to compensation in the event of death as a result of a covered accident.

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.

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.

The insurance covers you if you, as the operator of a motorcycle, EU-moped, scooter, or private aircraft, are involved in a covered accident.

You are entitled to compensation if you have a permanent disability rating of at least 5% as a result of a covered disease.

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).

The insurance entitles you to a one-time payment of 100,000 Danish kroner, which is paid out immediately upon certain diagnoses.

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.

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

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.

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.