Accident insurance coverage for individuals aged 18 to 69

If you are between 18 and 69, you can purchase accident insurance for adults. IDA Accident Insurance provides a customizable product that you can adjust to cater to your specific requirements.

Financial Compensation

Financial Compensation

If you sustain a permanent disability of at least 5%, you will receive financial coverage.

Extreme Sports Coverage

Extreme Sports Coverage

You can participate in all sports, including extreme sports and motorcycle driving, and still be covered.

Treatment is included

Treatment is included

You can now get coverage for dental trauma resulting from accidents and general dental treatment expenses.

What is Accident Insurance?

Accident insurance covers you if you experience an injury from an accident, including sports and motorcycle/moped driving. You can also receive assistance with treatment and compensation for permanent injuries.

This insurance offers round-the-clock coverage in Denmark and abroad.

IDA Forsikring's Accident Insurance offers more than just regular accident insurance. It includes additional benefits such as:

  • hospitalization assistance
  • compensation for specific diseases
  • coverage for transport and treatment costs
  • immediate payment for fractures

As something new, you can now get financial help with your dental bill.

Are you currently a student?

If so, you can purchase student accident insurance at a discounted price.

Check out more information on IDA Student Accident Insurance

What does IDA Forsikring's Adult Accident Insurance cover?

The enclosed forms are for reference purposes only, and are excerpts from the terms and conditions of the insurance policy. Tryg's claims department will calculate any compensation following the rules outlined in the insurance terms and conditions.

Package Selection

The insurance policy will provide coverage if you experience permanent physical disability due to an accident resulting in a disability of 5% or more. It includes injuries such as falling off a bicycle, getting stung by an insect, or accidentally being pricked by a needle.

This policy covers permanent psychological trauma resulting from an accident involving you or a member of your immediate family.

The insurance policy covers you for all kinds of sports, including motorcycle driving.

It covers the cost of transportation from the accident site to the nearest medical facility.

This insurance policy covers treatments from various healthcare professionals such as physiotherapists, chiropractors, reflexologists, acupuncturists, osteopaths, and craniosacral therapists in the event of an accident.

The coverage lasts up to 12 months or until the severity of the disability is determined. Additionally, the policy also covers up to 20 hours of psychological therapy.

If your death results from an accident, your survivors will be eligible for compensation.

This insurance policy offers higher compensation for specific instances such as amputation, loss of sight or hearing.

In the case of a permanent injury of 30% or more caused by an accident, the insurance will provide double the compensation.

This insurance policy covers dental treatment expenses required due to an accident.

If you select our Disease additional coverage, you can receive financial compensation if you experience any health condition listed in the insurance terms and conditions. We also provide insurance coverage if you require hospitalization for five or more consecutive days due to disease, extra transportation for treatment (maximum of six times and up to 50 km), or cleaning assistance.

This insurance add-on covers if you are affected by particular Critical Diseases, such as the following:

  • Epilepsy
  • Meningitis caused by bacteria
  • Consequences of a Lyme disease infection
  • Rheumatoid arthritis
  • Certain types of cancer
  • Chronic renal failure

Kindly be aware that the coverage for Critical Disease ceases on the initial day of payment (renewal) after reaching 25.

Please refer to the terms and conditions to view the list of health conditions under the insurance policy.


By choosing this option, you can receive assistance following an accident, such as cleaning or transportation help. Care includes the following benefits:

  • Our cleaning services provide a minimum of two hours of assistance each time, with the option to schedule up to 20 hours of cleaning.
  • Drive to scheduled treatments - a total of up to six roundtrips.
  • We offer dependable support through our home care assistance for a maximum of 20 hours. It ensures that you receive the help you need when you need it.
  • You may be eligible for financial compensation if you need hospitalisation for at least five consecutive days due to an accident. The amount paid out is DKK 300 daily, with a maximum payout period of 12 months.

The insurance offers a lump sum payment in the event of an accidental bone fracture, torn cruciate ligament (partially or wholly), or complete Achilles tendon tear.

It covers the following cases of bone fractures:

  • Collarbone
  • Shoulder
  • Upper and forearm
  • Elbow
  • Middle hand (the part of the hand between the wrist and the fingers)
  • Back
  • Pelvis
  • Hip thigh, and lower legs
  • Midfoot (the part of the foot between the ankle and the toes)

Immediate compensation is not available in the following cases:

  • Fractures of fingers and toes
  • Isolated ligament injuries
  • Bones and skeletal parts other than those mentioned
  • Meniscus lesion of the knee

In the case of chewing injuries, we cover 50% of the cost of treatment.

Dental treatment insurance covers expenses related to general dental procedures for teeth, gums, and jawbones. The coverage limit is up to DKK20,000 per insurance year. The insurance excess or self-payment is DKK500.

How much do the insurance add-ons cost for my policy?

To add or remove an add-on to your current Accident Insurance policy, go to My Page. You can view the cost of each option immediately as well.

These terms apply to Accident Insurance purchased from June 1, 2023

Starting June 1, a new version of Accident Insurance will be available, replacing the old one. It will no longer be possible to purchase the old version. However, if you already have Accident Insurance with IDA Forsikring, you can keep your current policy with the same terms and conditions.

Have you purchased Accident Insurance before June 1, 2023?

Learn more about Accident insurance bought before 1 June 2023

If you currently have Accident Insurance from IDA Forsikring and would like to transition to the new insurance offering, don't hesitate to contact us at 70 21 01 91.