Group life insurance

We all hope that we and our families will not be affected by an accident, illness or death. But if it does occur, it is comforting to know that there is a financial safety net in place.

Our Group life insurance is a combined Group life and Group accident insurance that provides compensation in the event of disability, critical illness or death. You can buy the insurance as an IDA member, but your spouse/partner also has the opportunity to be co-insured. 

The insurance covers

Group life insurance

Group life insurance is a collective insurance policy without savings. This means that it is a “risk insurance”, where the insurance sum is paid out in the event of certain critical illnesses, disability or death. If you lose your capacity to work (more than two thirds due to illness or accident) before you turn 60, we will also pay compensation.

Group accident insurance is a full-time accident insurance, so you are therefore covered 24-hours a day. The Group accident insurance policy covers accidents that result in permanent physical impairment of 5% or more. The insurance also covers injuries that occur suddenly, such as twisting injuries associated with walking, running or lifting boxes. When you buy this insurance, you also receive special dental injury coverage, which also covers tooth damage caused by chewing.

If you lose your capacity for work (i.e. you are unable to work) by more than 66% before the age of 60, we will pay compensation. Note that your condition must be assessed as stationary, i.e. when the doctor considers that your condition cannot improve.

You can receive financial compensation for certain critical illnesses that occur before you turn 60. We have listed the diseases that trigger an insurance sum according to the coverage table.

In case of death, we will pay compensation to the next of kin, whether the death is due to accident or illness. However, we cannot pay compensation if the deceased person has actively participated in a war, rebellion or similar.

The Group accident insurance covers accidents that result in permanent physical impairment of 5% or more. The coverage applies not only to injuries caused by external influences. You will also receive compensation for injuries that occur suddenly, such as back strain.

The policy contains a special dental damage coverage.

The form is indicative and is an extract from the insurance terms and conditions. Any compensation will be calculated according to the rules in the insurance terms and conditions.


In order to be insured, you must be a member of IDA. If you are a member of IDA, you have the option to co-insure your spouse or partner.

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Physical impairment is determined based on a medical assessment/examination. Your doctor will evaluate the extent of the injury from a range of data, which will then form the basis for an overall assessment.

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When you insure yourself and your family with a Group life insurance, you will be required to answer a number of questions about your health. You will receive the health declaration when you purchase the insurance.

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The amount that you or your relatives receive depends on whether it concerns a critical illness, disability or death. 

Click here to download factsheet about Group life insurance and how much you receive in payment (in Danish).

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  • Certain malignant cancers
  • Coronary thrombosis
  • AIDS
  • Bypass-operated case of coronary artery disease
  • Heart valve surgery
  • Stroke/cerebral blood clot
  • Saccular cerebral aneurysm
  • Some benign tumours in the brain and spinal cord
  • Multiple sclerosis
  • Amyotrophic lateral sclerosis
  • Muscular dystrophy
  • HIV infection due to a blood transfusion or work-related infection
  • Renal failure
  • Major organ transplants
  • Blindness
  • Deafness
  • Creutzfeldt-Jakob disease
  • Borrelia infection of the nervous system after a tick bite
  • Purulent encephalitis or Cerebrospinal meningitis
  • Parkinson's disease
  • Major burns
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