Child Insurance

The amount determines the amount of compensation if your child suffers a permanent disability of at least 5% as a result of an accident. Child accident insurance takes effect at a degree of disability from 5%. For example, a 15% permanent disability with a disability sum of DKK 1,000,000 will trigger a compensation of DKK 150,000.

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Covers necessary and reasonable expenses for treatment and rehabilitation following a covered claim on the insurance by:

• Physiotherapist
• Chiropractor
• Reflexologist
• Acupuncturist

The insurance covers the treatments until the condition is considered stable by the physician, but no longer than until the degree of disability is determined, and never longer than one year after the date of the accident.

Covers necessary and reasonable dental expenses not covered by public school dental care. The insurance comes into effect if your child loses or damages a tooth as a result of a covered accident.

If treatment can only be carried out at a later age when your child no longer has access to school dental care, the insurance also covers these costs.

Pays double compensation if your child's permanent injury is determined to be 30% or higher.

For example:

40% permanent disability with a compensation sum of DKK 1,000,000 would give DKK 400,000 normally.

With double compensation, you get DKK 800,000 in compensation instead.

Punitive damages act as a financial support that is paid out in the event of an injury incident - as a quick relief in a difficult situation.

Your child can receive immediate compensation of DKK 15,000 if they have suffered a covered injury that includes:

• Bone fractures
• Total tear of the Achilles tendon or collateral ligament
• Partial or total tear of the cruciate ligament

Compensation is paid regardless of whether the child suffers permanent injury. Your child can only receive one immediate compensation payment per limb per year.

If your child suffers a critical illness or other illness mentioned in the conditions, an amount of DKK 100,000 is paid as financial support. If your child suffers an illness that causes permanent disability, compensation is paid for a degree of disability of at least 5% based on a sum insured of DKK 1,00000.

This cover is available for children participating in dangerous sports. It provides cover if your child regularly participates in any of these activities that involve a high risk of accidents.

These sports are considered dangerous sports:

• Practicing or participating in motor racing of any kind
• Boxing, self-defense and martial arts
• Mountain climbing, rock climbing, abseiling on a rock wall or building
• Skydiving, paragliding and hang gliding
• Bungee jumping
• Diving with pressure cylinders
• Hang gliding, gliding and ultralight flying
• Recreational pilot
• Rafting

Funeral assistance is a coverage that goes to the next of kin, unless otherwise selected. Funeral assistance is only paid out if it has happened as a result of an accident.

Child accident insurance covers unforeseen injuries that your child may experience in everyday life. It is valid around the clock and protects your child, whether they are at home, at school or daycare centre, on the playground, on the sports field or even at a leisure job. With extended child accident insurance, you also get financial support in case of serious illnesses, such as critical illness.

The disability or insurance sum is the amount that can be paid out to your child in the event of permanent injury as a result of an accident. The sum is determined when you take out child accident insurance. A higher sum insured ensures better coverage. Many people choose a sum insured of DKK 1 million. A permanent injury of 20% will trigger a payout of DKK 200,000.

Yes, if the accident causes psychological stress, such as post-traumatic stress or anxiety, the insurance can cover psychological treatment as part of the necessary rehabilitation.

The insurance typically covers injuries that occur as a result of sudden accidents, such as falls, traffic accidents, burns, fractures, concussions and strokes, as well as other physical injuries resulting from an accident.

Children's accident insurance covers injuries caused by accidents wherever the accident occurs - at home, at school, during leisure activities or on holiday. This means your child is protected 24/7 against accidents that can cause both temporary and permanent injuries.

After a covered injury, accident insurance allows you to receive treatment from, for example
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• Physiotherapist
• Chiropractor
• Osteopath
• Reflexologist
• Acupuncturist (after medical assessment)