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.
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
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 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.
Who is covered?
Accident insurance is personal and generally only covers the person who has taken out the insurance (the policy holder).
However, your partner, spouse and/or any children living at home over 18 years old can also take out insurance – even if YOU don’t have accident insurance. If you buy insurance through our online insurance calculator, please remember to add the people you want to insure.
How is the compensation calculated?
If you have an accident that is covered by the insurance, the compensation is calculated based on the permanent disability table. Read more at aes.dk.
What injuries can result in permanent disability?
All injuries and accidents could potentially become permanent invalidities of 5 % or more. A permanent invalidity is defined as a physical invalidity following an accident that doesn’t go away with treatment and which you therefore have to live with for the rest of your life.
It tends to be sports injuries, traffic accidents, falls or ski injuries that lead to permanent invalidities in e.g. the back, neck, ankles and knees, or breaks to the wrists, elbows, ankles and knees.
Remember that your accident insurance only covers dangerous sports if you have picked the additional cover for ‘dangerous sports’.
See the full list of dangerous sports (note in Danish).