Accident insurance

IDA’s Accident insurance is tailor-made for your lifestyle and aims to alleviate any daily effects from sustained injuries. 

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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

Financial compensation

You receive economic compensation in case of injury.

Injuries on skiing holidays

Injuries on skiing holidays

Your skiing holiday's injuries are covered when you take out accident insurance.

Expenses for treatment

Expenses for treatment

The insurance covers expenses for treatment - for instance, chiropractor and physical therapist.

The insurance covers

Accident insurance
Coverage

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%.

Dental injury after an accident is covered by the insurance.

If you buy Accident insurance, your expenses for treatment after an accident will be covered.

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).

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.

Optional

This option provides you with maximum compensation in case of a motorcycle accident.

Optional

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.

Optional

You can choose to extend your insurance so that you receive higher coverage if you have certain body parts amputated.

Optional

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.

Optional

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.

Optional

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.

FAQ

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.

Has your question been answered?

The answer depends on your situation and needs. Read on to clarify which insurance is most suitable for you.

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.

Has your question been answered?

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.

Has your question been answered?

Accident insurance covers death due to an accident, but not illness. If you want to be covered in case of illness, we recommend you to take out life insurance/Group life insurance.

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