Accident insurance - questions and answers

What is the purpose of having accident insurance?

If you choose to get IDA Accident Insurance, you'll be covered if you experience an accident resulting in permanent disability.

An accident is a sudden event or unexpected occurrence. You can also receive assistance for any necessary medical treatments following an accident.

For many people, receiving compensation for an accident that causes pain and health issues may feel like a temporary solution. While money cannot wholly take away the daily struggles, it can provide financial freedom and assistance with supporting aids, medications, and treatments to improve one's quality of life.

What is the difference between the old Accident Insurance and the updated version?

IDA Forsikring has launched a new, updated accident insurance. 

Starting June 1, 2023, IDA Forsikring will no longer offer the old Accident insurance. However, you can purchase the new version of IDA Accident Insurance.

If you currently have the old version, you automatically keep it until you switch to the new version yourself.

Here is what the new IDA Accident Insurance covers

 For those who purchased IDA Accident Insurance before June 1, 2023, here is an overview of the coverage

What does the new IDA Accident Insurance cover?

Beginning on June 1, 2023, you can buy a new Accident insurance instead of the old one.

The IDA Accident Insurance provides primary coverage and optional add-ons that you can select according to your specific needs. The new insurance policy ensures continuous protection at work, home, or travelling.

When you buy the new IDA Accident Insurance, you will benefit from ongoing coverage that includes:

• Permanent disability because of an accident
• Dental damage after accidents
• Double compensation for accidents causing permanent disability of 30 per cent or more
• Costs for treatments after an accident with, e.g., a chiropractor or physiotherapist. However, you must have purchased it before turning 70.

 Learn more about the new personal accident insurance

What does the old IDA Accident Insurance cover?

You have the old Accident Insurance if you bought insurance before June 1, 2023. However, if you purchased it after that date, you have the new variant.

IDA Accident Insurance provides primary coverage and additional options that you can select based on your needs. This insurance covers you 24/7, whether at work, home or on the road.

If you have purchased accident insurance from IDA Forsikring before June 1 2023, you can rely on being covered by the following at all times:

• Permanent disability as a result of an accident
• Accidental dental damage
• Treatment expenses after an accident – e.g. for a chiropractor or physiotherapist

Learn more about IDA Accident Insurance

What is meant by "permanent disability" following an accident?

To receive compensation from your Accident Insurance, it is necessary to have experienced an accident resulting in a permanent injury of at least five pct.

If you have a permanent disability, it means you have long-term health issues that cannot be treated or cured.

An accident is a sudden event or unexpected occurrence caused by others, such as collisions, being pushed, or actions like twisting, tripping, or falling. Sports injuries can also result in permanent disability.

How does IDA Forsikring determine the extent of my disability?

The compensation you can get from your Accident Insurance following an accident depends on the extent of your disability.

At IDA Forsikring, we determine the extent of your disability once your condition has stabilized after the accident and a healthcare professional has assessed the final consequences. We use a disability form to calculate your compensation.

The Labour Market Insurance (AES) determines the degree of disability. They, for instance, assign a degree of injury of 20 per cent for "loss of vision in one eye" and a disability degree of 25 per cent for "loss of thumb on the right hand."

Review the various levels of disability on our disability form

How does IDA Forsikring calculate compensation for physical disabilities and psychological trauma?

The severity of the injury determines the compensation amount.

In the event of permanent disability, we provide compensation based on a percentage of the insured amount. The amount of compensation corresponds to the degree of disability determined. We made the payment as a lump sum.

If a condition is stable and expected to last a long time, the determination of permanent disability will rely on the Labour Market Insurance Disability Table.

After an accident, when can I expect to receive increased compensation from my Accident Insurance?

If your disability rating is 30 per cent or higher, you can receive twice the compensation amount.

If you experience a loss or amputation of a body part, like an arm or leg, or lose your hearing or vision in a healthy ear/eye, you have the right to receive higher compensation.

 Learn more about the coverage provided by our new IDA Accident Insurance

 Read more about your coverage if you purchased your insurance before June 1, 2023

What is immediate compensation, and when does it apply to me?

If you suffer certain fractures due to an accident, Immediate compensation can offer prompt financial compensation. It can help ease the burden of your injury and make your daily life more manageable. Immediate compensation is an additional insurance option.

If you have the old IDA Accident Insurance, you can receive immediate compensation for partially or fully torn cruciate ligaments and Achilles tendons. However, it's essential to remember that Immediate Compensation does not cover meniscus lesions if you have the new IDA Accident Insurance.

To purchase and add immediate compensation, proceed to My page

Who is eligible for IDA Accident Insurance coverage?

Our Accident Insurance product provides coverage for the policyholder, which is you, the individual who purchases the insurance.

One of the benefits of IDA Accident Insurance is that it allows your partner and adult children who live with you to take out IDA accident Insurance as policyholders. For children under 18, you can purchase a separate Child Insurance policy.

When purchasing insurance through our online calculator, include the individuals you wish to insure.

You can obtain an insurance quote by using our calculator

Does Accident Insurance cover my child?

Unfortunately, this insurance does not cover your child. Consider purchasing Child Insurance specifically for your child. We recommend that you acquire individual Child Insurance policies for each child because they are personal.

Learn more about our insurance policy for children

Do you need insurance for children 18 years and above still living at home?

As soon as your children turn 18, they need to get adult accident insurance.

Learn about IDA  Accident Insurance for adults

Where does IDA Accident Insurance provide coverage?

Whether you have old or new Accident Insurance, your Accident insurance provides coverage no matter where you go.

You are protected when you are:

• On permanent residence, temporary residence and travel in the Nordic countries, Greenland and the Faroe Islands.
• On trips and brief stays in EU/EEA countries for up to 12 months. It must be agreed with IDA Forsikring if you need coverage beyond 12 months.
• On trips or temporary stays in the rest of the world for up to 12 months.

If you experience an accident that your Accident Insurance covers, your insurance will cover the cost of a medical examination if needed while abroad.

IDA Forsikring may need you to undergo a medical examination in Denmark to determine your compensation. Please note that your Accident Insurance won't cover any transport or accommodation costs if this is the case. If you want coverage, it's important to have Travel Insurance.

It may also be necessary for your treatment to take place in Denmark.

If you receive dental treatment in another country, you must pay for it and submit the documentation for reimbursement to IDA Forsikring when you return home. Please note that the Tryg claim department must approve your accident in advance.

To file an insurance claim with Tryg, follow these steps

How does my Accident Insurance cover me for dental trauma?

Suppose you have an accident that causes a broken tooth or other dental issues. In that case, your Accident Insurance will cover the necessary and reasonable expenses for treatment from a qualified dentist.

Please note that if you purchased accident insurance BEFORE June 1, 2023, it would not cover any dental trauma in connection with boxing or other combat sports.

There may be a reduction in compensation if you had dental problems before the accident. Dental issues include illness, deteriorating dentures, wear and tear, or root canal treatment.

Can you provide information on how my Accident Insurance policy covers chewing injuries?

If you're worried about damaging a tooth while eating, you can opt for the Chewing Injury insurance add-on to your Accident Insurance policy. It provides coverage for such incidents.

If you bought Accident Insurance after June 1, 2023, here's what you need to know: Chewing Injury coverage pays for up to 50 per cent of the reasonable and necessary costs for dental treatment if you damage your teeth while eating (such as breaking a tooth). The policy covers the final treatment only.

Suppose you bought your Accident Insurance before June 1, 2023. In that case, the following information is relevant: If you sustain dental damage while eating due to a foreign object in your food, the Chewing Injury coverage will pay for reasonable and necessary dental treatment costs. Please provide the item that caused the injury.

Visit My Page to purchase coverage for chewing injuries

Which additional insurance options can I buy for my new IDA Accident Insurance?

Are you interested in enhancing your coverage in case of an accident? You have the option to add the following supplements to your new Accident Insurance:

• For adults between the ages of 18 and 69, Care provides financial compensation in the event of hospitalization. It includes assistance with cleaning, home care, and transportation expenses.
• Our Dental Treatment coverage includes up to DKK 20,000 per year for general dental procedures. The self-payment amount for each treatment is DKK 500.
• As a student, you can receive a sum for specific critical medical conditions through a policy known as Disease.
• As a student, if you have Health coverage, you can receive quicker examination and treatment at a private hospital with a referral from your doctor.
• As a student, you can purchase Care, which provides coverage for hospitalization lasting more than five days and assistance with cleaning and home care. In the event of hospitalization, you will receive financial compensation.

Learn more about the insurance add-ons for the new Accident insurance

Are there any extra insurance options available for my Accident Insurance that I can purchase?

If you purchased Accident Insurance before June 1, 2023, and would like to add more coverage, IDA Forsikring provides various optional covers. You can learn about the new IDA Accident Insurance options if you buy your insurance after June 1, 2023.

If you purchased IDA Accident Insurance before June 1, 2023, you have the option to buy and add the following:

• Extreme Sports include activities involving a high risk of injury, such as motorsports, martial arts, and kitesurfing. Individuals who enjoy the thrill and challenge of these risky activities can add this option.
• You can receive a lump sum payment as Immediate Compensation if you suffer from a bone fracture or torn cruciate ligament.
• If you accidentally damage a tooth while chewing on something unfamiliar, Chewing Injury will cover the cost of a dentist visit.
• If you experience permanent disability due to an accident, you may be eligible for higher compensation through Extended Permanent Disability. Additionally, if you have a disability of over 30 per cent, you may receive double remuneration.

Learn more about additional options for Accident Insurance purchased before June 1 2023

What coverage is provided by the Care option in the new IDA Accident Insurance?

Our new Accident Insurance (Bought after June 1 2023) product for adults offers an additional option called "Care". This option covers accidents and diseases if the coverage for Disease is selected. With Care, you can have peace of mind knowing that you will receive assistance if you are injured, hospitalized, or need help at home.

When you choose Care, you will receive hospital compensation of DKK 300 per day after being admitted for five consecutive days. This compensation can assist with expenses like catering during your hospital stay. Additionally, the insurance will cover the following:

• Cleaning assistance (up to 20 hours)
• Care at home (up to 20 hours)

If you bought IDA's Accident Insurance before June 1, 2023, you are not eligible for the Care option. To opt-in, upgrade your insurance to the new IDA Accident Insurance. Don't hesitate to get in touch with IDA Forsikring to do so.

To purchase Accident insurance, log in to My Page and select the Care option

How does Dental Treatment on the IDA Accident Insurance cover?

You can include Dental Treatment coverage if you've purchased the IDA Accident Insurance for students, adults or seniors after June 1, 2023.

Our Dental Treatment includes coverage for general dental treatments up to DKK 20,000 annually. The self-payment amount per treatment is DKK 500.

If you purchased IDA Accident Insurance before June 1, 2023, Dental Treatment is not covered. If you wish to upgrade to the new version, please reach out to IDA Forsikring.

To purchase Dental treatment, log in to My Page

What is covered under the Disease option in the new IDA Accident Insurance?

You can purchase Disease as an add-on to your Accident Insurance. This supplement provides financial compensation if various health conditions impact you.

If you purchase Accident Insurance after June 1, 2023, you can add Disease coverage for both Adult and Student Accident Insurance. This coverage provides a lump sum payment if diagnosed with certain critical conditions. As a student, you'll also have Critical Disease coverage until you reach 30 years old.

Please refer to Section 4 of the Insurance Terms and Conditions to view the covered diseases.

Please review the terms and conditions for the new IDA Accident Insurance

If you bought Accident Insurance before June 1 2023, you can purchase Disease as an option for your Adult or Student Accident Insurance. You can also purchase Critical Diseases as an option, receiving a lump sum if you are affected by certain critical diseases.

Please review the terms and conditions for Accident Insurance

How does IDA Accident Insurance provide coverage for death?

Whether you have an old or new policy with IDA Accident Insurance, it provides coverage if you pass away due to an accident and the death happens within one year of the accident.

The sum insured on the insurance policy determines the amount your survivors will receive through IDA Accident Insurance in the event of your death.

Your insurance policy with IDA Forsikring specifies the insured amount, which you can see on My Page.

Regardless, your survivors will always receive at least DKK 50,000.

If any compensation is granted before your passing, we will deduct the amount from the payment due to your beneficiaries after your death.

View all your appointments comprehensively by visiting My Page

How does my Accident Insurance cover extreme sports?

Dangerous Sport covers you if you have an accident while practising dangerous sports in your spare time. Extreme Sport covers activities where there is a greater risk of injury.

This coverage protects against accidents during training or participation in, for example:

• Any motor racing
• Martial arts such as boxing and karate
• Mountaineering or rappelling
• Parachute of all kinds, hang gliding, gliding and kite flying
• River rafting

If you purchased your insurance after June 1 2023, you have new IDA Accident Insurance and coverage for extreme sports is included on the trip. However, you should know you are not covered when participating in perilous expeditions*.

You have the older IDA Accident Insurance if you bought your insurance before June 1, 2023. You must purchase the optional Extreme Sports coverage to ensure extreme sports and travel coverage. If you are a member of an association or club and participate in extreme sports, you should select the optional 'Extreme Sport' coverage. However, if you practice these sports without a club or association membership, Accident Insurance will still provide coverage for you.

If you are a professional athlete and make money from extreme sports, ensure your occupation is accurately listed.

You can manage your data on My Page

*Please note that participation in expeditions to specific areas requiring special permits and where the weather conditions are extreme is not covered. For instance, a trip across Greenland would fall under this category.

To include Extreme Sports coverage in your Accident Insurance, log in to your My Page account.

If you require further information on extreme sports coverage, contact IDA Forsikring for clarification.

Contact IDA Forsikring