It is important to remember that the EHIC does not fully cover the cost of your medical treatment and will not entitle you to free or low cost private treatment. It will also not cover the cost of urgent repatriation to DK, so it is always wise to have a good Travel insurance policy in place.
It is important to be covered by insurance when you take a trip, because sudden injury or illness can otherwise be both expensive and inconvenient. If you have to travel in the area covered by the blue European Health Insurance Card, then you are covered on an equal footing with the citizens of the country in which you are travelling. The Danish yellow social security card cannot be used as travel health insurance outside of Denmark, the Faeroe Islands and Greenland.
Covers the entire household
When you purchase travel insurance through us, we co-insure the entire household.
Receive coverage up to 10.723 DKK
If you rent a car abroad, we cover any eventual deductible up to 10.723 DKK (index 2018).
Travelling with a friend
If you travel abroad with a friend, he/she will also be covered by your travel insurance
Our Travel insurance covers exactly where the EU Blue Card does not suffice. The European Health Insurance card (EHIC) does not cover:
- If you need to be repatriated to Denmark due to illness, or if you are injured
- If your holiday is ruined because of illness/injury
- If your baggage is delayed
- When you are travelling outside Europe
You can choose whether the Travel insurance should cover only in Europe or worldwide. The insurance also covers for a period of one year, so it’s not necessary to take out insurance for just one trip. It covers all of the trips you take in a given year.
The insurance covers
What should I do if I plan to travel more than 60 days?
Your travel insurance generally covers up to 60 days per journey.
- If you are travelling for more than 60 days, contact Tryg Forsikring on +45 7033 2525 and tell them you are an IDA member.
- Ask if you can extend your travel insurance, because you are travelling for more than 60 days.
Please be aware that if Tryg extend your travel insurance, the following coverings are not included:
- Travel guarantee
- Replacement trip
- Lost vacation days
These three benefits will be suspended during the entire trip.
Are my cohabitant/spouse and my children also covered?
The travel insurance covers all members of the household, even when you travel separately. Your children's ages make no difference; as long as they are registered at the same address as you, they are covered.
If you have shared children due to divorce, they are also covered by the insurance, even if they don’t live at the same address as you.
Who else is covered?
The insurance also covers:
- Youngsters under 21 years old - must live alone and do not have children living at home.
- Foster children - must live at the same address as you.
- Au pair - must live at the same address as you.
- Exchange student – when they live with you.
- Spouse and/or partner – living in a nursing home.
- A friend, and part of your household, staying alone as you travel.