Adult accident insurance

By taking out Adult accident insurance and Sickness, as optional cover, you are well covered in situations where your insurance at work or offered by your trade union does not necessarily cover - for example outside of working hours.



Financial Compensation

Financial Compensation

It protects you financially in the event of an injury sustained from an accident.

Coverage for ski accidents

Coverage for ski accidents

You are also covered if you are injured on skiing or snowboarding during your vacation.

Treatment is included

Treatment is included

You are covered if you are treated by a chiropractor or physiotherapist after an accident.

Have you purchased or changed your insurance before September 3, 2018?

IDA’s Accident insurance have been improved. If you purchased the insurance before September 3rd 2018, you are covered by terms other than those you can see here.

See how your accident insurance covers (if purchased before September 3rd).

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.

Adult accident insurance
Basic coverage

You are covered if you receive treatment after an accident and subsequently are diagnosed with a permanent disability.

If you are diagnosed with permanent mental injury because of an accident and after treatment. This may be since you and/or your closest family have been involved in an accident.

You are covered for reasonable and necessary treatment of injury following an accident with a physiotherapist and chiropractor for up to 12 months or until the degree of disability is determined. Psychological treatment is also covered for up to 20 hours or until the degree of disability is determined.

You are covered if you participate in regular sports activities. You are also covered if you try dangerous sports occasionally.

See the list of dangerous sports.

For example, a single event may be during a holiday trip or for team building.

You can get your transport expenses covered from the accident site to the hospital, if these expenses can be termed as reasonable and necessary.

In case of an accident, you can cover reasonable and necessary expenses for your teeth and dental prostheses. In cases where emergency treatment is necessary, this may occur without our prior approval and the insurance covers one treatment.

Your insurance sum will determine the amount that your relatives will receive if you suffer a fatal accident. Funeral aid is provided for a fixed amount of DKK 50,000 for children under 18 years of age.

Option

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:

  • Any kind 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

See the list of extreme sports

You receive immediate compensation if you accidentally get a fracture, completely or partially torn ligament in knees, a completely torn Achilles tendon or a meniscus in your knee. Bone fractures are covered 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)

Bone fractures are not covered in the following cases:

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

With this option you can get a higher compensation if you get a permanent disability after facing an accident. For example, your compensation will be doubled in disabilities over 30% and increase of compensation in case of:

  • 100% loss of vision
  • 75% loss of hearing
  • Amputation based on a specific percentage for each part of the body

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

  • You can receive a 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 element in your food. We may request that the item be submitted to us. The insurance covers one single final treatment.

You can get financial compensation if you get sick and are hospitalized for at least 5 consecutive days, need extra transport for treatment (max. 6 times and up to 50 km) or need cleaning assistance.

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

If we have been notified that you have registered a motorcycle, moped, scooter or similar, you are then covered for permanent physical disability after an accident. This is assuming you do not use the machine as part of your business.