Adult accident insurance bought before 1 June 2023

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, hanggliding and kite flying
River rafting

Check out the list of extreme sports.

You will receive prompt compensation if you suffer from a fracture, a partially or entirely torn ligament in your knee, a completely torn Achilles tendon, or a meniscus injury. The policy grants coverage for bone fractures in the following cases:

• collar bone
• shoulder
• upper and forearm
• elbow
• intermediate (the part of the hand between the wrist and fingers)
• back
• pelvis
• hips
• thigh and lower legs
• middle foot (the part of the foot between the uncles and the toes)

The insurance does not cover the following bone fractures:

• fingers
• toes
• isolated ligament injuries
• other bones and skeletal parts not previously mentioned

If you experience a permanent disability due to an accident, this option provides higher compensation. Specifically, if your disability exceeds 30%, your payment will double. Additionally, your benefits will increase if you suffer complete vision loss or 75% hearing loss.

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.

You get refund reasonable and necessary expenses at the dentist if you get a chewing injury while eating due to a foreign object in your food. We may request the object for inspection. The insurance covers one single final treatment.

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

If you are very unlucky and get a lasting disability (also called permanent disability) in your knee after an accident, you are entitled to compensation. Generally, we first cover this type of injuries after a permanent disability of at least 8 pct. has been diagnosed, but this option offers you coverage already from 5 pct.

If you are the driver of a registered motorcycle, scooter, or moped and experience an accident, our policy offers coverage for permanent physical disability. However, to receive total compensation, you must inform us that you were driving a registered motorcycle, scooter, or moped. If you fail to do so, you will only receive half the amount. Additionally, please note that our policy does not cover accidents while using the vehicle for work purposes.