Youth Accident Insurance

You have one less concern to get rid of while studying and paving the way for your future life with a youth accident insurance. Optional cover includes dread disease and critical illness.

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

Coverage for ski accidents
You are also covered if you are injured on skiing or snowboarding during your vacation.

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.
Youth accident insurance |
Basic coverage |
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Physical permanent disability
You are covered if you receive treatment after an accident and subsequently are diagnosed with a permanent disability. |
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Psychological 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. |
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Treatment Expenses
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. |
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Ordinary sports
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. |
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Transport from the accident site to the hospital
You can get your transport expenses covered from the accident site to the hospital, if these expenses can be termed as reasonable and necessary. |
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Dental Trauma
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. |
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Death or funeral aid
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. |
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Option | |
Extreme Sports
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 sports:
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Straight compensation for fractures
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:
Bone fractures are not covered in the following cases:
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Extended permanent disability
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:
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Extended Aid
If you are hospitalized, you will be able to get additional aid by taking this option - e.g:
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Chew injury
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. |
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Disease
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.
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Critical illness
Critical illness is optional until you turn 25 years and cover a long range of serious illnesses, such as:
You can see the list of critical illnesses in the insurance terms. |
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Knee from 5 %
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%. |
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MC, moped and scooter accident
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. |