Accident insurance
IDA’s Accident insurance is tailor-made for your lifestyle and aims to alleviate any daily effects from sustained injuries.
Before you buy insurance, you should decide whether you want to be covered around the clock or whether you mostly need insurance during your leisure time. If your work involves hazardous or dangerous tasks, and you are not insured by your employer, we recommend that you take out full-time Accident insurance. Leisure Accident insurance is for people who want extra peace of mind when they have time off.
Financial compensation
You receive economic compensation in case of injury.
Injuries on skiing holidays
Your skiing holiday's injuries are covered when you take out accident insurance.
Expenses for treatment
The insurance covers expenses for treatment - for instance, chiropractor and physical therapist.
The insurance covers
Accident insurance |
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Permanent disability after an accident
The insurance covers you if you are injured and will be left with a permanent disability. In order to receive compensation, the degree of permanent disability must be at least 5%. |
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Compensation in the event of death
The insurance covers in case of death resulting from an accident. It's usually your closest relatives who receive the compensation, but you can choose who should be the beneficiary. |
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Dental injuries
Dental injury after an accident is covered by the insurance. |
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Treatment costs
If you buy Accident insurance, your expenses for treatment after an accident will be covered. |
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Double compensation
If you have an Accident resulting in permanent physical impairment of 30% or more, you will be entitled to receive double compensation. For example, if you have selected an insurance sum for disability of DKK 1,250,000 and you have a disability of 30%, you will receive DKK 750,000 in compensation through the Accident insurance (2 x 30% of DKK 1,250,000). |
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Infection coverage
If you have chosen to have full-time Accident insurance, and you are e.g. a doctor, nurse or laboratory technician, you can choose to supplement with infection coverage. This covers all types of infections that may arise in connection with your work. |
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Amputation
You can choose to extend your insurance so that you receive higher coverage if you have certain body parts amputated. |
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Sight/hearing cover
If you are already deaf or have severe hearing impairment in one ear or are blind or have significantly reduced sight in one eye, you can choose to supplement the Accident insurance with sight/hearing cover. In the event of an accident, where you lose your hearing or sight in your healthy ear or eye, you will receive a higher compensation than you would otherwise have received. |
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Motorcycle drivers
This option provides you with maximum compensation in case of a motorcycle accident. |
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Dangerous sport
If you engage in a dangerous sport like boxing, self-defence, mountaineering, skydiving or motor racing, it is a very good idea to choose dangerous sport as additional cover. Without coverage, you will not receive compensation if you have an accident in connection with a dangerous sport. |
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The form is indicative and is an extract from the insurance terms and conditions. Any compensation will be calculated according to the rules in the insurance terms and conditions.
Full-time Accident insurance
Full-time Accident insurance covers you 24 hours a day. The size of your premium will depend on how dangerous your work is. We recommend you take out this insurance when:
- as an employee, you are not adequately insured during working hours
- you want a financial supplement to the statutory workers’ compensation insurance
- you have a job, where it can be difficult to distinguish between working hours and leisure
Are you self-employed, a student or home-maker? Then you can only take out full-time insurance.
Leisure Accident insurance
A leisure Accident insurance policy covers you when you are not at work. The insurance also covers accidents that happen on the way to or from work, as long as you are not covered by workers' compensation insurance. We recommend you take out this insurance when:
- you do not have a job, where you are exposed to hazardous and dangerous tasks
- you want to have a financial safety net that helps you in the event that you are suddenly injured
- you are covered by the statutory occupational injury insurance, but you want extra security during your leisure hours
You must be employed and have at least 25 working hours per week to take out leisure Accident insurance.
Child insurance
Child insurance protects your child 24/7 - including at school and/or institutional settings. Previously, your child was covered by a public insurance, but this is not the case anymore. It is therefore crucial to take out a private accident insurance that covers your child in case of accident and illness.