Accident insurance for students

Choose between a youth or adult accident insurance - depending on your age. When studying, you can purchase the insurance to a speciel price. 

Cheap accident insurance

Cheap accident insurance

You get the insurance at discounted student price – DKK 62 DKK (including fees) per month.

Cover in the laboratory

Cover in the laboratory

The insurance covers 24 hours a day even when you are working in the lab.

Ski injuries

Ski injuries

The insurance covers if you suffer a ski injury resulting in impairment.

The insurance covers

The forms are indicative and are an extract from the insurance terms and conditions. Any compensation will be calculated according to the rules in the insurance terms and conditions.

Accident insurance
Basic coverage

You are covered if you receive treatment after an accident that leads to permanent disability.

The insurance provides coverage for permanent mental trauma following an accident or treatment. The psychological damage could, for instance, be the fallout of a sudden accident, suffered by you or a close relative.

The insurance provides coverage for reasonable and necessary treatment of an injury following an accident. It could be physiotherapy or a chiropractor for up to 12 months or until the degree of disability is determined. Psychological treatment is also covered for up to 20 hours of therapy or until a final evaluation of the degree.

In case of an accident, the policy provides coverage for reasonable and necessary expenses for your teeth and dental prostheses. In cases where emergency treatment is urgent, this would not need our prior approval.

The policy grants compensation for your survivors if you die in an accident.

This option offers a higher compensation if you get a permanent disability following an accident. For example, payment will double in disabilities over 30%, and an increase of benefit will follow after:

  • 100% loss of vision
  • 75% loss of hearing 

If you are unlucky and get a lasting disability of 5% or more (also called permanent disability) in your knee after an accident, you are entitled to compensation.


You receive immediate compensation if you accidentally get a fracture, complete or partial torn ligament in knees, a completely torn Achilles tendon or a meniscus in your knee. The policy grants coverage for bone fractures in the following cases:

  • collar bone
  • shoulder
  • upper and forearm

If you need hospitalisation, you will be able to get additional aid by taking this option - e.g.: 

  • You can receive hospital compensation of DKK 300 per day for up to 12 months.
  • You can get cleaning assistance for at least two hours per time for up to 20 hours.

If you practice extreme sports (see examples below), because you are a member of a club or association, please take out extreme sports and get compensation in the event of an accident.

Examples of extreme sport:

  • All kinds of motorbike or horse racing
  • Martial arts such as boxing and karate
  • Rock climbing or rappelling
  • Parachute of all species, hang. gliding and kite flying
  • River rafting

Check out the list of extreme sports.

The policy provides coverage for the cost of the dentist if you damage your tooth while you are eating. The damage has to be caused by a foreign object in your food.

You can get financial compensation if you get sick and need hospitalisation for at least five consecutive days, need extra transport for treatment (max. 6 times and up to 50 km) or need cleaning assistance.

If you are the driver of a registered motorcycle, scooter or moped and suffer an accident, the policy provides coverage for permanent physical.

You can take out 'Critical Illness' until you reach the age of 25. It covers a wide range of serious diseases such as:

  • Epilepsy
  • Bacterial meningitis
  • Secondary effects of borrelia infection
  • Osteoarthritis 

Check out our list of critical illnesses in terms and conditions.