Travel insurance — Denmark

[1] Medical expenses: Unlimited ↩

Unlimited coverage (per the short coverage overview: "Sygdom/Hjemtransport Ubegrænset") for reasonable and necessary expenses for doctor treatment, prescribed medication, hospital stay, physiotherapy (capped at 15,000 DKK), taxi to treatment (capped), and ambulance transport in case of acute illness or injury during the trip.

Sygdom/Hjemtransport Ubegrænset

[2] Medical transport: Unlimited ↩

Covers necessary extra expenses for home transport to residence/hospital in Denmark when SOS's doctor deems it necessary and defensible; part of the unlimited Sygdom/Hjemtransport sum. Subsidiary to public health cover for EU travel.

a) Ekstraudgifter til hjemtransport til bopæl/hospital i Danmark. SOS's læge vurderer – efter kontakt til behandlende læge – om en hjemtransport er nødvendig og forsvarlig samt hvilket transportmiddel, der i bekræftende fald skal benyttes.

[3] COVID-19 treatment: Unlimited ↩

Treatment for COVID-19 as an acute illness is covered under the unlimited Sygdom sum. Separately, necessary and reasonable food, accommodation and return-home costs during a COVID-19 quarantine are covered, conditional on vaccination and no prior evacuation recommendation.

[4] Personal liability: See details ↩

No personal liability coverage is described anywhere in the policy terms or IPID for this travel insurance product.

[5] Emergency dental: DKK 3,000 – DKK 5,000 ↩

Covers own payment for authorised dentist treatment up to 3,000 DKK within the EU, and acute pain-relieving dental treatment up to 5,000 DKK outside the EU. Specialist treatment, crown and root canal work are excluded.

d) egen betaling for behandling hos tandlæge med autorisation i det land, hvor forsikrede bliver behandlet med maks. 3000 kr,

[6] Search & rescue: DKK 100,000 ↩

Covers necessary expenses up to 100,000 DKK per insured for search and/or rescue; regardless of the number of policies/policyholders, the maximum aggregate payout for one event is capped at 300,000 DKK. Excludes search north of the 75th parallel or at the South Pole, and other listed exclusions.

Årsrejseforsikringen dækker nødvendige udgifter, op til maks. 100.000 kr., til eftersøgning og/eller redning. ... er den maksimale erstatning, der kan udbetales ved ét skadetilfælde, begrænset til ovennævnte 300.000 kr.

[7] Legal assistance: Excluded ↩

Explicitly excluded: expenses for legal assistance and other advisory services are not covered under the policy's general exclusions.

a) Udgifter til advokatbistand og anden rådgivning

[8] Emergency medical treatment: Unlimited ↩

Covers doctor treatment authorised in the country of treatment and ambulance transport from the site of illness/accident to the treatment site, part of the unlimited Sygdom/Hjemtransport sum.

a) behandling hos læge med autorisation i det land, hvor forsikrede bliver behandlet, ... j) ambulancetransport fra sygdoms-/ulykkesstedet til behandlingsstedet.

[9] Hospitalization: Unlimited ↩

Covers hospital stay in a semi-private (two-bed) room and doctor-prescribed hospital treatment, including operations, as part of the unlimited Sygdom sum for travel outside the EU; within the EU, ordinary (public) hospital stays and treatment including operations are covered.

c) hospitalsophold på tosengsstue (semiprivate) og lægeordineret behandling på hospital, herunder operationer,

[10] Outpatient treatment: Unlimited ↩

If SOS's doctor assesses that the insured can be treated on an outpatient basis instead of in hospital, the policy covers hotel stay and meals up to 2,000 DKK, as part of the unlimited Sygdom sum.

l) ophold på hotel samt fortæring med op til 2.000 kr, i tilfælde af, at SOS's læge vurderer, at forsikrede kan behandles ambulant i stedet for på hospital.

[11] Medical evacuation: Unlimited ↩

Medically necessary transport/evacuation to Denmark for treatment, arranged by SOS's doctor, covered under the unlimited Sygdom/Hjemtransport sum. Distinct from the separate 75,000 DKK political/natural-disaster "Evakuering" benefit.

SOS's læge vurderer – efter kontakt til behandlende læge – om en hjemtransport er nødvendig og forsvarlig samt hvilket transportmiddel, der i bekræftende fald skal benyttes.

[12] Repatriation of remains: Unlimited ↩

Covers either home transport to an undertaker/crematorium in Denmark in case of death, including mandatory measures such as embalming and a zinc coffin, or cremation/burial at the location if the next of kin prefer, capped at what a home transport would have cost.

b) udgifter til enten hjemtransport til bedemand/krematorium i Danmark ved dødsfald inkl. udgifter til lovbefalede foranstaltninger f.eks. balsamering og zinkkiste eller c) udgifter til kremering og/eller begravelse på stedet, hvis de pårørende ønsker dette

[13] Pre existing conditions: Conditional ↩

Unstable chronic or pre-existing conditions, or recent illness/injury, are as a starting point not covered; the insured must apply for a medical pre-assessment via SOS International to determine if and how the policy covers the condition during the trip.

Hvis du har en kronisk eller eksisterende sygdom, som ikke er stabil, eller hvis du har været syg eller er kommet til skade for nylig, er du som udgangspunkt ikke dækket for dette, da forsikringen tager forbehold for dette.

[14] Winter sports cover: Optional ↩

Optional add-on ("Skirejser") extends the policy's cover to injuries sustained while skiing/snowboarding, limited to activities on prepared (groomed) slopes only; off-piste activities are excluded.

Er denne tilvalgsdækning valgt, dækker forsikringen også skirejser jf. ovenstående betingelser – dog ikke off-pist aktiviteter, men alene aktiviteter på preparerede pister.

[15] Adventure sports cover: Unlimited ↩

The base policy covers participation in all forms of sports activities during holiday trips, except skiing/snowboarding (ski add-on required), expeditions, mountaineering, professional sport, and flying as pilot/crew, which are excluded.

Forsikringen dækker ferierejser(uden nogen form for erhvervsmæssig aktivitet) og deltagelse i alle former for sportsaktiviteter*, dog ikke deltagelse i skisport (tilvalg), ekspeditioner, bjergbestigning og professionel sport* eller flyvning som pilot/anden flybesætning.

[16] Pregnancy complications: Unlimited ↩

Covers pregnancy complications and birth up to 4 weeks before the expected due date; outside the EU, treatment of an unborn or prematurely born child is covered for up to 1 month. Pregnancy tests, elective abortion, sterilisation and fertility treatment are excluded.

e)graviditetskomplikationer, fødsel, behandling af et ufødt barn eller et barn, der er født for tidligt, indtil 4 uger før forventet fødselstidspunkt. Udgifterne til behandling af ufødt eller for tidligt født barn skal være omfattet af årsrejseforsikringens vilkår for sygdom, og årsrejseforsikringen dækker sådan behandling i op til 1 måned,

[17] Medical expenses: Covered ↩

Covers reasonable and necessary costs of medical treatment abroad following acute illness or injury during the trip; unlike several other sub-covers, the terms do not state a fixed maximum ceiling for this cover.

Forsikringen erstatter rimelige og nødvendige udgifter i udlandet til:

[18] Medical transport: Covered ↩

Covers ambulance or local transport from the scene of an accident/illness to the treatment location, and transport to/from the nearest suitable treatment facility as decided by Alka rejseservice's doctor; no fixed ceiling is stated.

Ambulance- eller lokal transport fra ulykkes- eller sygdomsstedet til behandlingsstedet.

[19] COVID-19 treatment: See details ↩

The provided terms and factsheets do not specifically mention COVID-19 treatment as a distinct cover item.

[20] Personal liability: See details ↩

Not a covered item under the Årsrejseforsikring sections reviewed; liability abroad is instead handled under the separate Indboforsikring's liability cover.

[21] Emergency dental: DKK 10,000 ↩

Covers acute pain-relieving dental treatment that cannot wait until returning home, plus physiotherapist or chiropractor treatment; combined compensation is capped at 10,000 DKK per person per trip.

Den samlede erstatning pr. person kan højst udgøre 10.000 kr. pr. rejse.

[22] Search & rescue: DKK 100,000 ↩

Covers reasonable and necessary extra costs of searching for and rescuing the insured within a 50 km radius of the last known location, up to 100,000 DKK per covered person per trip, capped in aggregate at 500,000 DKK per event for all covered persons combined.

Forsikringen dækker rimelige og nødvendige ekstraudgifter til redning og eftersøgning med højst 100.000 kr. pr. omfattet person pr. rejse, dog højst 500.000 kr. pr. begivenhed for de omfattede personer tilsammen.

[23] Legal assistance: DKK 100,000 ↩

If local authorities demand security to cover potential claims against the insured, or security for payment of lawyer's fees during a dispute abroad, the policy provides an interest-free advance up to 100,000 DKK per dispute, which the policyholder must repay.

Der kan højst stilles sikkerhed for 100.000 kr. pr. tvist.

[24] Emergency medical treatment: Covered ↩

Covers treatment by an authorized doctor/nurse abroad and doctor-prescribed medicine for acute illness or injury; no fixed ceiling is stated.

Behandling hos autoriseret læge/sygeplejerske i det pågældende land samt udgifter til lægeordineret medicin.

[25] Hospitalization: Covered ↩

Covers doctor-prescribed stays on a semi-private hospital ward or intensive care unit abroad (or hotel accommodation if that avoids hospitalization, subject to approval); no fixed ceiling is stated.

Lægeordineret ophold på hospital, efter normale takster for semi-private (tosengsstue), intensivafdeling, hotel (inkl. fortæring), hvis du dermed undgår at blive indlagt på hospitalet.

[26] Outpatient treatment: Covered ↩

Covers ambulant treatment by an authorized doctor/nurse in the country visited plus prescribed medicine; no fixed ceiling is stated.

Behandling hos autoriseret læge/sygeplejerske i det pågældende land samt udgifter til lægeordineret medicin.

[27] Medical evacuation: Covered ↩

Covers transport home to Denmark by ordinary transport, ambulance or air ambulance if the planned route cannot be completed or is exceeded for medical reasons, following a covered acute illness/injury; no fixed ceiling is stated, but self-arranged transport without prior approval is reimbursed only up to what Alka would have paid.

Hvis du skal transporteres hjem til Danmark på grund af akut sygdom eller tilskadekomst, der er dækket efter punkt 5, Sygebehandling i udlandet, og den planlagte rejserute ikke kan gennemføres af medicinske årsager, eller det planmæssige rejseforløb er overskredet af lægelige årsager.

[28] Repatriation of remains: Covered ↩

Covers legally required measures (e.g. embalming, zinc coffin) and transport of the deceased to Denmark; if relatives prefer, cremation and burial at the location abroad is covered instead, but compensation cannot exceed the cost of repatriation.

Dækningen omfatter lovbefalede foranstaltninger som f.eks. balsamering og zinkkiste. Hvis pårørende ønsker det, dækker forsikringen kremering og begravelse på stedet. Erstatningen kan højst udgøre et beløb, der svarer til, hvad en hjemtransport af afdøde ville koste.

[29] Pre existing conditions: Conditional ↩

Chronic or pre-existing conditions are excluded if they required hospitalization, treatment, new/changed medication, referral, or were untreated/unresolved within 2 months before departure; cover may be reinstated via a medical pre-assessment by Alka rejseservice before travel.

Kroniske lidelser, eksisterende sygdomme eller tilskadekomst, som har medført, at du inden for de sidste 2 måneder inden afrejsen har været indlagt på hospital, har gennemgået en operation...

[30] Winter sports cover: Covered ↩

Ski holidays are covered under the standard annual travel policy at no extra charge, as part of the general private leisure-trip cover.

[31] Adventure sports cover: Excluded ↩

Excludes damage arising from training or participation in professional sport (income over 50,000 DKK/year), expeditions to remote/restricted areas, and mountaineering/climbing.

Træning eller deltagelse i enhver form for professionel sport... ekspeditioner... bjergbestigning eller bjergklatring.

[32] Pregnancy complications: See details ↩

Not addressed as a distinct cover item in the reviewed terms and factsheets.

[33] Medical expenses: Covered ↩

Covers doctor visits, prescribed medicine, hospital treatment/operations and other acute medical expenses arising from acute illness or injury during the trip; no single overall sum is stated in the policy for this core cover, but hospital treatment is limited to standard hospital class (2-bed room) unless a private hospital is pre-approved by Alm. Brand/SOS.

I tilfælde af akut opstået sygdom* eller tilskadekomst dækker forsikringen følgende sygeudgifter*, i den rejseperiode forsikringen dækker, jf. punkt 1.3

[34] Medical transport: Covered ↩

Covers reasonable costs for sickness and repatriation transport, incl. ambulance transport, in case of acute illness, serious injury or death, provided the treating doctor abroad and Alm. Brand/SOS agree that transfer to the home country or another suitable treatment location is required.

Forsikringen dækker rimelige udgifter til sikredes* syge- og hjemtransport inkl. ambulancetransport i tilfælde af akut opstået sygdom*, alvorlig tilskadekomst eller død.

[35] COVID-19 treatment: See details ↩

The policy does not specify a dedicated COVID-19 benefit; any cover would depend on the general acute-illness provisions.

[36] Personal liability: Covered ↩

Covers legal liability for damage to inventory or building parts of a rented vacation home that was in the insured's care, subject to a 1,500 DKK deductible per claim (the higher deductible applies if another applies to the policy). If the insured also holds Alm. Brand contents insurance (Indboforsikring), that policy separately covers liability abroad up to 3,000,000 DKK for property damage and 10,000,000 DKK for personal injury under its own terms.

Herudover dækker Rejseforsikringen tilfælde, hvor en sikret person pådrager sig et juridisk ansvar for skade på inventar eller bygningsdele i den lejede feriebolig*, når det beskadigede har været i sikredes varetægt. For denne dækning gælder dog en selvrisiko* på 1.500 kr. af enhver skade.

[37] Emergency dental: DKK 30,000 ↩

Covers reasonable, necessary and documented costs of temporary pain-relieving dental treatment abroad, up to 30,000 DKK per insured person.

Forsikringen dækker rimelige, nødvendige og dokumenterede udgifter til midlertidig smertestillende tandbehandling med indtil 30.000 kr. pr. sikret

[38] Search & rescue: DKK 100,000 ↩

Covers reasonable, necessary and documented search-and-rescue costs within a 50 km radius of the insured's last known location, for up to 14 days, with a limit of 100,000 DKK per insured per trip and a combined maximum of 300,000 DKK per event; a deductible of 5,000 DKK applies to every claim under this cover.

Forsikringen dækker, i indtil 14 dage, rimelige, nødvendige og dokumenterede udgifter med højst 100.000 kr. pr. sikret. pr. rejse, og maks. 300.000 kr. pr. begivenhed tilsammen.

[39] Legal assistance: DKK 250,000 ↩

Covers a security deposit/bail for payment of the insured's attorney costs and claims from local authorities arising from disputes during the trip, up to a maximum of 250,000 DKK.

Forsikringen dækker sikkerhedsstillelse/kaution for betaling af sikredes* advokatomkostninger... Der kan højst stilles sikkerhed for 250.000 kr.

[40] Emergency medical treatment: Covered ↩

Covers expenses for acute treatment by a locally practicing doctor and medicine prescribed by that doctor; the treating doctor must be authorized in the country of treatment.

Udgifter til akut lægehjælp hos en på stedet behandlende læge og udgifter til medicin, der er ordineret af den behandlende læge.

[41] Hospitalization: Covered ↩

Covers lawfully doctor-ordered hospital stay and treatment including operations at public and private hospitals, limited to costs equivalent to standard hospital class (2-bed room); full private-hospital cover requires prior approval from Alm. Brand/SOS; cover runs until the insured can be discharged or transported home.

Udgifter til lægeordineret ophold på sygehus og sygehusbehandling inkl. operationer. Der dækkes udgifter til behandling på offentlige og private hospitaler, dog maksimalt udgifter til behandling og ophold svarende til almindelig sygehusklasse (2-sengsstue) i det pågældende land.

[42] Outpatient treatment: Covered ↩

Covers reasonable extra costs for doctor-ordered hotel stay (incl. nursing assistance, special diet) when treatment that would otherwise require hospitalization can instead be carried out on an outpatient basis, plus transport costs for outpatient treatment and check-ups.

Forsikringen dækker ekstraudgifter til lægeordineret hotelophold, herunder ekstraudgifter til sygeplejebistand, diætmad m.m., hvis en behandling, der ellers ville kræve sygehusindlæggelse, kan foregå ambulant.

[43] Medical evacuation: Covered ↩

Covers reasonable costs for the insured's medical sickness and repatriation transport, incl. ambulance transport, in case of acute illness, serious injury or death, provided the treating doctor abroad and Alm. Brand/SOS agree that transfer to the home country or another suitable treatment location is required. No fixed maximum sum is stated for this benefit.

Forsikringen dækker rimelige udgifter til sikredes* syge- og hjemtransport inkl. ambulancetransport i tilfælde af akut opstået sygdom*, alvorlig tilskadekomst eller død.

[44] Repatriation of remains: Covered ↩

Covers repatriation in case of death, including legally required measures such as embalming and a zinc coffin, or cremation costs; if burial takes place locally at relatives' request, compensation is limited to the cost that repatriation would have had.

Forsikringen dækker hjemtransport ved dødsfald inkl. udgifter til lovbefalede foranstaltninger, f.eks. balsamering og zinkkiste eller udgifter til kremering.

[45] Pre existing conditions: Conditional ↩

Chronic or pre-existing conditions present before departure are excluded unless the condition can be characterized as 'stable' (no hospitalization, non-control treatment, or change in treatment/medication within the 2 months before departure); a medical pre-assessment (available from 2 months before travel) determines whether the insured has full, partial or no cover for the condition on the trip.

Kroniske lidelser eller lidelser, der var til stede før afrejsen fra Danmark. Medmindre lidelsen kan karakteriseres som stabil.

[46] Winter sports cover: Conditional ↩

Medical/accident cover applies to on-piste skiing/snowboarding as an ordinary sport; skiing/snowboarding outside a ski resort's marked/prepared area (off-piste) is explicitly excluded. A separate optional add-on, 'Ødelagt skiferie' (Ruined ski holiday), pays compensation or a replacement trip if injury prevents skiing during the holiday.

Skade som følge af, at sikrede* har kørt på ski/snowboard uden for et skisportssteds område/de præparerede skiløjper (off-piste).

[47] Adventure sports cover: Optional ↩

Optional add-on ('Farlig sport') that lifts the general exclusion for a defined list of activities including kitesurfing, skydiving, motor racing (incl. training), paragliding, hang gliding, gliding, scuba diving, cycle racing, triathlon, trekking/mountain climbing, bouldering up to 10 m, and ice hockey.

Forsikringen udvides til at omfatte skade som følge af sikredes* deltagelse i kitesurfing, faldskærmsudspring, motorløb inkl. træning, paragliding, hanggliding, svæveflyvning, dykning med dykkerflaske, cykelløb, triatlon, trekking eller klatring i bjergterræn, bouldering i maks. 10 meters højde og ishockey.

[48] Pregnancy complications: See details ↩

The policy does not specify a dedicated benefit for pregnancy complications.

[49] Political evacuation: DKK 140,000 ↩

Covers evacuation costs when the Danish Ministry of Foreign Affairs or similar authority recommends evacuation due to epidemic, war/terror/civil unrest, or natural disaster arising after departure, plus costs of involuntary stay/detainment due to war risk (up to 3 months, 1,500 DKK/day). Combined compensation for evacuation and involuntary stay cannot exceed 140,000 DKK for all insured.

Erstatning for evakuering og ufrivilligt ophold kan ikke overstige 140.000 kr. for alle sikrede.

[50] Medical expenses: DKK 25,000,000 ↩

Covers reasonable and necessary costs abroad for treatment by an authorised doctor and doctor-prescribed medicine, as part of a combined per-trip ceiling of DKK 25,000,000 shared across treatment and repatriation costs.

Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.

[51] Medical transport: DKK 25,000,000 ↩

Covers ambulance transport from the place of illness/accident to the treatment site and onward transport to/from the nearest suitable facility, within the shared DKK 25,000,000 per-trip ceiling.

Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.

[52] COVID-19 treatment: See details ↩

[53] Personal liability: DKK 3,000,000 ↩

This policy's only liability cover is for damage the insured causes, as a private individual, to inventory or building parts of a rented holiday home/hotel room/tent/mobile home/caravan in their care, up to DKK 3,000,000 per event; it is not a general personal (bodily injury/property damage to third parties) liability cover.

Erstatningen udgør maksimalt kr. 3.000.000 i alt pr. skadebegivenhed.

[54] Emergency dental: DKK 30,000 ↩

Covers reasonable and necessary acute pain-relieving dental treatment that cannot wait until return to Denmark, up to DKK 30,000 per person; specialist treatment (e.g. crown/root canal) requires prior SOS approval.

Smertestillende tandbehandling, maksimalt kr. 30.000 pr. person

[55] Search & rescue: DKK 250,000 ↩

Covers necessary costs of searching for the insured (up to 14 days within a 50 km radius of the last known location) and rescue/pick-up once located, up to DKK 250,000 per event; a 10% deductible (min. DKK 2,500) applies, and the person must have been reported missing for at least 24 hours and seen within the last 120 hours.

Maksimalt kr. 250.000 pr. begivenhed.

[56] Legal assistance: See details ↩

No legal-costs cover was found. A separate 'Sikkerhedsstillelse' (bail-bond) cover of up to DKK 250,000 exists as an interest-free loan to release the insured/belongings from detention, but it explicitly excludes court/arbitration cases and criminal proceedings, so it is not legal-expenses cover.

Rets- eller voldgiftssager, herunder sikkerhedsstillelse, der udgår fra kontrakts-, erhvervs- eller arbejdsforhold.

[57] Emergency medical treatment: DKK 25,000,000 ↩

Covers treatment following acute illness or injury arising during the trip, within the same combined DKK 25,000,000 per-trip ceiling for treatment and transport.

Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.

[58] Hospitalization: DKK 25,000,000 ↩

Hospital stays following acute illness or injury are covered, including hotel/meals if ambulant treatment can substitute for admission, within the shared DKK 25,000,000 per-trip ceiling.

Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.

[59] Outpatient treatment: DKK 25,000,000 ↩

Hotel and subsistence costs are covered when treatment that would otherwise require hospitalisation can instead be carried out on an outpatient basis, within the shared DKK 25,000,000 per-trip ceiling.

Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.

[60] Medical evacuation: DKK 25,000,000 ↩

Covers transport to Denmark by ordinary means, ambulance or air ambulance in case of acute illness, injury or death; SOS International selects and arranges the mode of transport, within the shared DKK 25,000,000 per-trip ceiling.

Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.

[61] Repatriation of remains: DKK 25,000,000 ↩

In case of death abroad, transport to Denmark is covered (mode chosen by SOS), within the shared DKK 25,000,000 per-trip ceiling; a death certificate must be sent to Aros immediately after return.

Erstatningen for behandling og hjemtransport kan maksimalt udgøre kr. 25.000.000 i alt pr. rejse.

[62] Pre existing conditions: Conditional ↩

Treatment of chronic or pre-existing illnesses that caused hospitalisation, medical assessment or changed medication within the 2 months before departure is excluded by default; cover depends on completing a medical pre-travel assessment (§6.1) confirming eligibility.

Behandling af kroniske eller eksisterende sygdomme, der indenfor de sidste to måneder før afrejsen har medført hospitalsindlæggelse, vurdering/behandling hos læge eller ændret medicinering.

[63] Winter sports cover: Optional ↩

An optional add-on covering compensation for ruined holiday-days (per the standard 'ruined holiday days' formula) if a started ski holiday of at least 5 days is disrupted in its first half due to hospitalisation, prescribed bed rest, recall home or accompanying a sick travel companion; simply being unable to ski is not sufficient.

Det er således ikke nok for at opnå udbetaling på dækningen, at du ikke kan stå mere på ski på rejsen, men du skal være enten hospitalsindlagt eller sengeliggende, jf. pkt. 11.1, for at være berettiget til erstatning for ødelagte feriedage.

[64] Adventure sports cover: Excluded ↩

The policy explicitly excludes damage arising directly or indirectly from mountaineering, climbing, expeditions, parachute jumping and paragliding.

Bjergbestigning. Klippeklatring eller klatring uden brug af udstyr. Ekspeditioner. Faldskærmsudspring. Paraglidning.

[65] Pregnancy complications: See details ↩

[66] Medical expenses: Covered ↩

Covers reasonable and necessary costs for examination and treatment of illness or injury arising acutely during the trip, and for acute worsening of an existing condition if it was stable for 2 months before departure or a medical pre-assessment without clause was obtained. No overall monetary ceiling is stated for this base cover.

Til behandling og undersøgelse af sygdom eller tilskadekomst, der opstår akut under rejsen.

[67] Medical transport: Covered ↩

Covers ambulance transport to and from the nearest suitable treatment location; if ambulance transport is not medically justified, taxi transport to and from the treatment location is covered instead.

Ambulancetransport til og fra nærmeste egnede behandlingssted. Er ambulancetransport ikke lægeligt begrundet, dækkes taxatransport til og fra behandlingsstedet.

[68] COVID-19 treatment: See details ↩

COVID-19 is not defined as a separate benefit; if you fall acutely ill with COVID-19 during the trip, it is covered on the same terms as any other acute illness under the general sickness and injury cover (section 3).

Til behandling og undersøgelse af sygdom eller tilskadekomst, der opstår akut under rejsen.

[69] Personal liability: DKK 10,000,000 ↩

Part of the optional 'Ansvar, retshjælp og bagage' add-on (only relevant if you lack separate home-contents insurance): covers personal liability for damage to persons up to 10,000,000 kr. per claim and to property/animals up to 5,000,000 kr. per claim, with a 1,500 kr. deductible per claim. Separately, liability for damage to inventory/building parts of a rented holiday home is always included in the base policy up to 3,000,000 kr. per claim.

Vi dækker ansvar for skade på: Person med højst 10 mio. kr. pr. skade. Ting og dyr med højst 5 mio. kr. pr. skade. Der er en selvrisiko på 1.500 kr. pr. skade.

[70] Emergency dental: DKK 10,000 ↩

Acute pain-relieving dental treatment by an authorized dentist to limit the extent of an injury is covered up to 10,000 kr. per person; chewing/bite damage is limited to 1,000 kr. per person.

Til akut smertestillende tandbehandling hos autoriseret tandlæge for at mindske skadens omfang. Er dækket med højst 10.000 kr. pr. person. Tyggeskader er dog dækket med højst 1.000 kr. pr. person.

[71] Search & rescue: DKK 100,000 ↩

Covers reasonable and necessary costs to search for and rescue you within a 50 km radius of where you were last seen, if reported to the local police and coordinated via the insurer's alarm center. Covered up to 100,000 kr. per person per trip.

Redning og eftersøgning erstattes med højst 100.000 kr. pr. person pr. rejse.

[72] Legal assistance: DKK 150,000 ↩

Part of the optional 'Ansvar, retshjælp og bagage' add-on: covers legal costs for civil disputes arising from the trip abroad, with representation typically requiring a lawyer. Covered up to 150,000 kr., with a deductible of 10% of the claim, minimum 2,500 kr.

Forsikringen dækker med højst 150.000 kr. Der er en selvrisiko på 10 %, dog mindst 2.500 kr. pr. tvist.

[73] Emergency medical treatment: Covered ↩

Reasonable and necessary costs for examination and treatment of illness or injury that occurs acutely during the trip are always covered under section 3 of the terms.

Forsikringen dækker rimelige og nødvendige udgifter: Til behandling og undersøgelse af sygdom eller tilskadekomst, der opstår akut under rejsen.

[74] Hospitalization: Covered ↩

Hospital admission for a covered acute illness or injury is covered as part of section 3, and hospitalization for at least half of the planned trip period also triggers replacement-trip and ruined-vacation-day benefits.

Du er indlagt på hospital.

[75] Outpatient treatment: Covered ↩

Ambulatory examination and treatment of acute illness or injury is covered, including doctor-prescribed treatment by an authorized physiotherapist, chiropractor, acupuncturist or zone therapist, limited to 10,000 kr. per person.

Til lægeordineret behandling hos autoriseret fysioterapeut, kiropraktor, akupunktør eller zoneterapeut. Disse behandlinger er dækket med højst 10.000 kr. pr. person.

[76] Medical evacuation: Covered ↩

Covers repatriation to Denmark or transfer to another suitable treatment facility when the insurer's doctor has decided on the transport and the treating doctor has approved it. No fixed monetary ceiling is stated.

Hjemtransport til Danmark eller overførsel til andet egnet behandlingssted, når vores læge har besluttet transporten, og den behandlende læge har godkendt denne.

[77] Repatriation of remains: Covered ↩

Covers repatriation of the deceased to Denmark, including statutory measures such as embalming and a zinc coffin. If relatives choose burial or cremation at the location instead, reimbursement is capped at what repatriation would have cost.

Hjemtransport af afdød inkl. udgifter til lovbefalede foranstaltninger som fx balsamering og zinkkiste. Ønsker de pårørende begravelse eller kremering på stedet, erstatter vi højst det beløb, en hjemtransport ville have kostet.

[78] Pre existing conditions: Conditional ↩

Acute worsening of an existing or chronic illness is covered only if the condition has been stable for the 2 months before departure, or a medical pre-assessment without exclusion clause was obtained beforehand.

Til behandling og undersøgelse ved akut forværring af eksisterende sygdom eller tilskadekomst. Det er en forudsætning, at din tilstand har været i en stabil god fase inden for de sidste 2 måneder inden afrejse, eller at du har fået en medicinsk forhåndsvurdering uden klausul.

[79] Winter sports cover: Optional ↩

Injury sustained while skiing or snowboarding is only covered if the optional Skisport add-on has been purchased; it follows the geographic scope (Europe or World) chosen for the base policy. For policies effective before 8 October 2025, ski sports cover and worldwide scope were included automatically.

For at være dækket når du står på ski eller snowboard, skal du købe tilvalgsdækningen Skisport. Tilvalgsdækningen følger dækningsområdet på din rejseforsikring.

[80] Adventure sports cover: See details ↩

Active holiday activities such as hiking, cycling and diving are covered under the standard policy; only skiing and snowboarding require the optional Skisport add-on.

Er du til vandring, cykelferie eller dykkerture? Rejseforsikringen dækker også på din aktive ferie. Husk dog at tilvælge dækningen Skisport, hvis du står på ski eller snowboard.

[81] Pregnancy complications: Conditional ↩

Treatment related to childbirth is covered up to 4 weeks before the expected due date. The optional cancellation cover separately covers cancellation if, after booking, you learn you are pregnant and the due date falls within the trip period or less than 4 weeks after the return date.

Hvis du efter bestilling af rejsen bliver bekendt med, at du er gravid, og terminen ligger i rejseperioden, eller hvis der på hjemrejsedatoen er under 4 uger til termin.

[82] Medical expenses: Covered ↩

Covers necessary and reasonable expenses for hospital treatment and stay (incl. operations and ambulance transport), doctor treatment, prescribed medicine, X-rays and aids, and up to five physiotherapy/chiropractic treatments abroad. No overall monetary ceiling is stated in the terms beyond the itemized sub-limits (e.g. dental treatment).

Forsikringen dækker nødvendige og rimelige udgifter til: - hospitalsbehandling og -ophold, inkl. operationer og ambulancetransport til nærmeste behandlingssted

[83] Medical transport: Covered ↩

Covers doctor-ordered repatriation or transport to the nearest suitable treatment location, arranged via SOS International.

lægeordineret hjemtransport eller transport til nærmeste egnede behandlingssted.

[84] COVID-19 treatment: See details ↩

The terms do not provide specific COVID-19/pandemic coverage figures. General terms exclude consequences of entering an area with an epidemic that requires treatment by a doctor.

Indrejse i et land eller område, hvor der er epidemi, som kræver behandling hos en læge - hverken direkte eller indirekte følger.

[85] Personal liability: DKK 10,000,000 ↩

Optional add-on (Bagage, Ansvar og Retshjælp) covering legal liability for personal injury or property damage caused during the trip. Personal injury claims covered up to 10,000,000 DKK per claim; property/animal damage claims up to 2,000,000 DKK per claim. Only applies if not covered by another insurance.

Personskader erstattes med indtil 10 mio. kr. pr. skade. Tingskader og skader på dyr erstattes med indtil 2 mio. kr. pr. skade.

[86] Emergency dental: DKK 20,942 ↩

Covers acute pain-relieving dental treatment that cannot wait until return to Denmark, up to 20,942 DKK (2023 level) per insured person.

akut smertestillende tandbehandling, hvis behandlingen ikke kan vente, til du kommer hjem til Danmark. Dog højst 20.942 kr. (2023) for hver sikret person.

[87] Search & rescue: DKK 730,311 ↩

Covers search and rescue within a 50 km radius of the last known location, and rescue once the location is established. Covered up to 116,183 DKK (2024) per person and up to 730,311 DKK (2024) per claim event. Excludes areas north of the Arctic Circle, the South Pole, and kidnapping/hijacking situations.

Vi dækker op til 116.183 kr. (2024) pr. person og 730.311 kr. (2024) pr. skadesbegivenhed.

[88] Legal assistance: DKK 225,000 ↩

Optional add-on covering legal costs in certain private disputes arising during the trip, up to 225,000 DKK per case; small-claims cases are handled differently with attorney costs only covered for the main hearing.

Kan din sag ikke behandles efter reglerne for småsager, skal du kontakte en advokat, som herefter sørger for anmeldelse af sagen til os. Vi dækker med op til 225.000 kr. pr. sag.

[89] Emergency medical treatment: Covered ↩

Covers treatment and repatriation if you become acutely ill or injured during the trip, including acute worsening of a stable pre-existing condition, arranged via SOS International's 24-hour hotline.

behandling og hjemtransport, hvis du bliver akut syg eller kommer til skade under rejsen.

[90] Hospitalization: Covered ↩

Covers hospital treatment and stay, including operations and ambulance transport to the nearest treatment site, with no separate cap stated beyond the general reasonable-and-necessary-cost standard.

hospitalsbehandling og -ophold, inkl. operationer og ambulancetransport til nærmeste behandlingssted

[91] Outpatient treatment: Covered ↩

Covers doctor treatment, prescribed medicine, X-rays and up to five physiotherapy or chiropractic treatments abroad per insured person.

lægebehandling, lægeordineret medicin, røntgenbilleder og øvrige hjælpemidler. - lægeordineret behandling af fysioterapeut eller kiropraktor med op til fem behandlinger i udlandet af hver sikret person.

[92] Medical evacuation: Covered ↩

Covers doctor-ordered repatriation or transport to the nearest suitable treatment location if medically necessary. No monetary cap is stated in the terms for this benefit.

lægeordineret hjemtransport eller transport til nærmeste egnede behandlingssted.

[93] Repatriation of remains: Covered ↩

If the insured dies, the policy covers costs of repatriating the deceased and other expenses for legally required measures, with no monetary ceiling stated.

Hvis sikrede er afgået ved døden, dækker vi udgifter til hjemtransport af afdøde og andre udgifter til lovpligtige foranstaltninger.

[94] Pre existing conditions: Conditional ↩

An existing illness or injury is only covered if it has been in a stable, good phase for at least two months before departure; otherwise a binding advance medical assessment (forhåndsvurdering) must be obtained from SOS International via sos.eu before travel.

Hvis du har en eksisterende sygdom eller tilskadekomst, skal den have været i en stabil, god fase i mindst to måneder inden afrejsen.

[95] Winter sports cover: Optional ↩

Injuries sustained while skiing or snowboarding are only covered if the optional 'Skitillæg' (ski add-on, incl. snowboard) has been purchased and is noted on the policy.

[96] Adventure sports cover: Excluded ↩

The policy does not cover damage occurring in connection with participation or training in professional sport, mountaineering, expeditions or big-game hunting.

Deltagelse eller træning i forbindelse med professionel sport*, bjergbestigning*, ekspeditioner* eller storvildtjagt*.

[97] Pregnancy complications: See details ↩

The reviewed terms do not set out a specific medical-treatment benefit for pregnancy complications; pregnancy is addressed only as a ground for trip cancellation cover, not as a distinct medical benefit.

Vi dækker, hvis du efter din læges udsagn ikke må rejse, fordi du er gravid, og der er forhold i din graviditet, der gør det uforsvarligt at rejse, fx risiko for at du føder for tidligt.

[98] Evacuation: DKK 116,183 ↩

Covers evacuation costs beyond what local authorities or the Danish Ministry of Foreign Affairs normally provide, plus economy-class travel home if the return ticket cannot be used due to war, unrest, terrorism, epidemic or natural disaster. Covered up to 116,183 DKK (2024) for accommodation and transport per claim event, plus up to 21,616 DKK per person for baggage left behind during evacuation.

Vi dækker med op til 116.183 kr. (2024) for ophold og transport pr. skadebegivenhed.

[99] Medical expenses: Covered ↩

Covers treatment if you become acutely ill or injured during the trip.

Ved akut sygdom og tilskadekomst på rejsen dækker vi: […] Lægebehandling hos autoriseret læge og lægeordineret medicin

[100] Medical transport: Covered ↩

Expenses for medical treatment and transport home if you become ill or injured during the holiday.

Dækker, udgifter til lægebehandling og sygetransport hvis du bliver syg eller kommer til skade under ferien.

[101] COVID-19 treatment: See details ↩

Not specified in the retrieved source text.

[102] Personal liability: See details ↩

Not clearly distinguishable from other liability-related sentences (e.g. assault compensation) in the retrieved source text.

[103] Emergency dental: Covered ↩

Acute treatment by a physiotherapist, chiropractor or dentist is covered.

Akut smertestillende tandbehandling hos autoriseret tandlæge […] Behandling hos fysioterapeut og kiropraktor

[104] Search & rescue: Covered ↩

Covers expenses for search and rescue if you are reported missing; excludes search/rescue related to kidnapping or hijacking.

Forsikringen dækker udgifter til: […] Eftersøgning indenfor en radius af 50 km fra det sted, hvor du sidst blev set […] Eftersøgning og redning i forbindelse med kidnapning eller kapring

[105] Legal assistance: Covered ↩

Covers lawyer expenses if a private legal dispute arises during the trip.

Dækker også udgifter til advokat, hvis der opstår privat retslig tvist under rejsen.

[106] Emergency medical treatment: Covered ↩

Treatment if you become acutely ill or injured, with home transport if necessary.

Ved akut sygdom og tilskadekomst på rejsen dækker vi: […] Lægebehandling hos autoriseret læge og lægeordineret medicin […] Hjemtransport og sygetransport i forbindelse med akut sygdom og tilskadekomst, der er dækket af forsikringen:

[107] Hospitalization: Covered ↩

Hospital treatment is implicitly covered under the general acute illness/injury treatment benefit; no distinct sum insured could be located in the retrieved source text.

[108] Outpatient treatment: Covered ↩

Outpatient treatment for acute illness or injury is covered as part of the general medical benefit.

Ved akut sygdom og tilskadekomst på rejsen dækker vi: […] Lægebehandling hos autoriseret læge og lægeordineret medicin […] Behandling hos fysioterapeut og kiropraktor

[109] Medical evacuation: Covered ↩

Covers expenses for evacuation and involuntary stay.

Dækker udgifter til evakuering, ufrivilligt ophold, eftersøgning og redning.

[110] Repatriation of remains: See details ↩

Not specified in the retrieved source text.

[111] Pre existing conditions: Conditional ↩

Chronic or pre-existing conditions are only covered following a medical pre-approval; without approval only other acute illness/injury is covered.

En rejseforsikring dækker kun akut sygdom og skader opstået under rejsen. Men med en medicinsk forhåndsgodkendelse er du sikret dækning ved sygdom, du kendte til ved bestilling af rejsen eller inden afrejse.

[112] Winter sports cover: Optional ↩

Ski holiday cover can be added on top of the annual travel insurance as a paid add-on.

[113] Adventure sports cover: See details ↩

Not specified in the retrieved source text.

[114] Pregnancy complications: See details ↩

Not specified in the retrieved source text.

[115] Medical expenses: Covered ↩

The annual travel insurance includes full coverage with no deductible, explicitly covering illness (sygdom) among other perils; no specific monetary sum for medical expenses is stated on the checked pages.

[116] Medical transport: Covered ↩

The product page states the annual travel insurance covers both outbound and return travel ('dækker både udrejse og hjemrejse') with full coverage, implying repatriation/transport support, but no specific sum is stated.

[117] COVID-19 treatment: See details ↩

Not specified for the annual travel insurance on the checked official pages.

[118] Personal liability: Covered ↩

The product page explicitly lists liability ('ansvar') as part of the full coverage included with the annual travel insurance, alongside luggage, theft, illness and accident cover, but no specific sum is stated on the checked page.

[119] Emergency dental: See details ↩

Not specified in the checked official pages.

[120] Search & rescue: See details ↩

Not specified in the checked official pages.

[121] Legal assistance: See details ↩

Not specified in the checked official pages.

[122] Emergency medical treatment: See details ↩

Not separately specified as a distinct benefit with a sum in the checked official pages.

[123] Hospitalization: See details ↩

Not separately specified with a sum in the checked official pages.

[124] Outpatient treatment: See details ↩

Not specified in the checked official pages.

[125] Medical evacuation: See details ↩

Not specified in the checked official pages.

[126] Repatriation of remains: See details ↩

Not specified with a sum in the checked official pages.

[127] Pre existing conditions: See details ↩

Not specified in the checked official pages.

[128] Winter sports cover: Optional ↩

Ski cover is sold as a separate paid add-on ('Skisports tillægsdækning') selected during the order flow; it is no longer included by default (this changed in 2025) and must be purchased for both single-trip and annual policies.

[129] Adventure sports cover: See details ↩

Not specified in the checked official pages.

[130] Pregnancy complications: See details ↩

Not specified in the checked official pages.

[131] Medical expenses: Covered ↩

Covers reasonable and necessary expenses for treatment by an authorised doctor, doctor-prescribed medicine, and doctor-prescribed hospital stay/treatment for acute illness or injury on the trip; no aggregate cap is stated for the doctor/hospital treatment itself (separate per-person sub-limits of DKK 10,000 each apply to emergency dental treatment and to physiotherapy/chiropractor treatment).

Rimelige og nødvendige udgifter til: 1. Akut tandbehandling, dog højst 10.000 kr. pr. person 2. Fysioterapi/kiropraktor, dog højst 10.000 kr. pr. person

[132] Medical transport: Covered ↩

Covers reasonable and necessary expenses for ambulance/sick transport to and from the treatment site, transport home to Denmark by ordinary means, ambulance, or air ambulance, and transport home of an insured under 18 who would otherwise have to travel alone; no aggregate cap is stated.

Ambulance- eller sygetransport til og fra behandlingsstedet ... Transport til Danmark med almindeligt transportmiddel, ambulance eller ambulancefly ... Hjemtransport af sikrede under 18 år, der ellers ville være nødt til at fortsætte rejsen alene

[133] COVID-19 treatment: See details ↩

The terms and conditions and IPID do not specifically name COVID-19. General acute-illness cover would apply to illness contracted during the trip, but the policy excludes damage arising from entering a country or area affected by an epidemic that requires health-related treatment.

Indrejse i et land eller område med epidemi, som kræver sundhedsfaglig behandling

[134] Personal liability: See details ↩

No personal liability (third-party liability) cover is described in the reviewed terms, IPID, or product page for the Årsrejseforsikring; the policy instead covers legal costs/bail for disputes and assault to the insured (see Sikkerhedsstillelse og kaution and Overfald), which are distinct benefits.

[135] Emergency dental: DKK 10,000 ↩

Covers acute pain-relieving dental treatment by an authorised dentist abroad, up to DKK 10,000 per person.

Akut tandbehandling, dog højst 10.000 kr. pr. person

[136] Search & rescue: DKK 100,000 ↩

Covers reasonable and necessary extra expenses for search within a 50 km radius of the last known location, and for rescue once the location is established, up to DKK 100,000 per person, subject to an aggregate cap of DKK 500,000 across all insured on the policy. Requires the insured to have been missing more than 24 hours, the case to be reported to local police, and the search/rescue to be coordinated by local or Danish authorities.

Rimelige og nødvendige ekstraudgifter op til 100.000 kr. pr. person, dog højst 500.000 kr. i alt.

[137] Legal assistance: DKK 250,000 ↩

Covers, up to DKK 250,000 per legal dispute, lawyer's fees, compensation claims raised against the insured by local authorities, and payment for release if the insured or their luggage is detained by local authorities; bail is an interest-free loan repayable once released by the authorities.

Forsikringen dækker højst 250.000 kr. pr. retslig uenighed (tvist).

[138] Emergency medical treatment: Covered ↩

Covers treatment by an authorised doctor and doctor-prescribed medicine for acute illness or injury arising during the trip; no cap is stated on the acute treatment itself.

Ved akut sygdom og tilskadekomst på rejsen dækker vi: 1. Lægebehandling hos autoriseret læge og lægeordineret medicin

[139] Hospitalization: Covered ↩

Covers doctor-prescribed hospital stay and treatment for acute illness or injury on the trip, plus extra hotel/food expenses from discharge until return home; no aggregate cap is stated.

Lægeordineret ophold og behandling på hospital

[140] Outpatient treatment: Covered ↩

Doctor consultations for acute illness/injury abroad are covered without a stated cap; treatment by a physiotherapist or chiropractor is covered up to DKK 10,000 per person.

Rimelige og nødvendige udgifter til: 1. Akut tandbehandling, dog højst 10.000 kr. pr. person 2. Fysioterapi/kiropraktor, dog højst 10.000 kr. pr. person

[141] Medical evacuation: DKK 96,000 ↩

Covers authority-ordered evacuation (e.g. due to war, natural disaster, epidemic) and involuntary stay: extra transport, accommodation and food costs for up to 3 months, capped at DKK 96,000 in total, plus baggage loss/damage during the evacuation up to DKK 30,000 per person. This is distinct from medically necessary air-ambulance repatriation, which is covered without a stated cap under Hjemtransport og sygetransport.

Ufrivilligt ophold, ekstraudgifter til transport, logi og forplejning i indtil 3 måneder, dog højst 96.000 kr. i alt

[142] Repatriation of remains: Covered ↩

Covers repatriation of the deceased to Denmark including legally required measures; if relatives prefer burial or cremation at the location, costs are covered up to the amount a repatriation would have cost. No other specific cap is stated.

Hjemtransport ved død inkl. lovbefalede foranstaltninger. Hvis de pårørende ønsker begravelse eller kremering på stedet, dækkes udgifter op til det beløb, en hjemtransport ville have kostet

[143] Pre existing conditions: Conditional ↩

Worsening of a chronic or pre-existing condition is excluded unless a medical pre-approval (forhåndsgodkendelse) has been obtained before the trip; routine check-ups, treatment, or medication to keep such a condition stable are never covered.

Forværring af en kronisk eller eksisterende sygdom, medmindre du inden rejsen har fået en medicinsk forhåndsgodkendelse

[144] Winter sports cover: Optional ↩

Skiing and snowboarding are covered only if the optional 'Aktiv ferie' (Active Holiday) add-on has been purchased before departure; the add-on must apply to a holiday whose main purpose is the sports activity (a city-break or beach holiday with incidental skiing does not qualify).

Forsikringen dækker aktiv ferie, hvor rejsens hovedformål er at stå på ski/snowboard, dykke, cykle, gå på jagt, dyrke sejlsport, ridning eller anden lignende sport, dog ikke ekstremsport. Vi anser ikke en storby- eller badeferie for aktiv ferie.

[145] Adventure sports cover: Optional ↩

Diving, cycling, hunting, sailing and horseback riding are covered as 'Aktiv ferie' if purchased as an add-on before departure. Extreme sports (e.g. paragliding, base jumping, free diving, ultra-running, MMA) are always excluded, regardless of any add-on purchased.

Forsikringen dækker ikke skader som følge af udøvelse af ekstremsport.

[146] Pregnancy complications: Conditional ↩

Childbirth occurring up to 4 weeks before the expected due date is covered as an acute event during the trip. Complications known about, or where a doctor advised against travel, before departure are not covered.

Fødsel i indtil 4 uger før forventet termin

[147] Medical expenses: Optional ↩

easySure's home-contents policy documentation refers customers to a separate travel insurance that covers expenses for treatment of illness during the trip; no specific sum insured is stated.

Rejseforsikring, der dækker dig under din rejse, hvis du fx bliver syg. Derudover dækker vi mistede feriedage, oplevelser du går glip af og meget mere

[148] Medical transport: Optional ↩

The indboforsikring terms refer to a separate travel insurance covering homeward transport (hjemtransport) in case of illness on the trip; no monetary limit is stated.

Sygdom/tilskadekomst, dødsfald og hjemtransport ... Hjemtransport, transport og ophold

[149] COVID-19 treatment: See details ↩

Not mentioned in any available easySure source.

[150] Personal liability: See details ↩

The general home-contents liability cover is not confirmed to extend automatically to the separate travel insurance product; not established in available sources.

[151] Emergency dental: See details ↩

Not mentioned in any available easySure source.

[152] Search & rescue: See details ↩

Not mentioned in any available easySure source.

[153] Legal assistance: See details ↩

Not confirmed for the travel product specifically; retshjælp is described as part of the home-contents product only.

Retshjælp Står du pludselig med en privat tvist, der skal behandles af en domstol, så hjælper retshjælpsforsikringen dig med at dække sagens omkostninger.

[154] Emergency medical treatment: See details ↩

No source specifically distinguishes emergency medical treatment from general illness treatment cover for this product.

[155] Hospitalization: See details ↩

Not separately itemized in any available easySure source.

[156] Outpatient treatment: See details ↩

Not separately itemized in any available easySure source.

[157] Medical evacuation: See details ↩

Not separately confirmed in any available easySure source.

[158] Repatriation of remains: See details ↩

Not explicitly distinguished from general 'hjemtransport' wording; no dedicated statement found.

[159] Pre existing conditions: See details ↩

Not addressed in any available easySure source for this product.

[160] Winter sports cover: Optional ↩

An optional ski-holiday add-on ('Skidækning') is offered, covering injury on the slopes and liability/damage to ski equipment; no sum insured is stated.

Skidækning Hvis du kommer til skade på skiferien Ansvarsskader og skiudstyr Forsinket eller beskadiget skiudstyr under offentlig transport

[161] Adventure sports cover: See details ↩

Not mentioned in any available easySure source.

[162] Pregnancy complications: See details ↩

Not mentioned in any available easySure source.

[163] Medical expenses: Covered ↩

Covers reasonable and necessary expenses for treatment of acute illness and injury during the trip, including medicine prescribed by the treating doctor; no fixed monetary ceiling is stated, only 'reasonable and necessary'.

Forsikringen dækker, hvis intet andet fremgår, rimelige og nødvendige udgifter til: 1.1.A Akutsygdom og tilskadekomst

[164] Medical transport: Covered ↩

Covers reasonable and necessary local transport costs in connection with medical treatment; if you use your own car, reimbursement is at the state mileage rate. Also covers transport to the nearest suitable treatment location if the current facility is inadequate.

Forsikringen dækker rimelige og nødvendige udgifter til lokaltransport i forbindelse med lægebehandling. Hvis du kører i egen bil, erstatter vi med statens takst pr. kilometer.

[165] COVID-19 treatment: See details ↩

COVID-19 is not named or specifically addressed anywhere in the terms and conditions or IPID; general acute illness cover may apply but no COVID-specific provision was found.

[166] Personal liability: DKK 10,000,000 ↩

Covers private personal liability towards third parties for personal or property damage caused by you during a trip, including damage to a rented holiday home/hotel room and its contents; maximum DKK 10,000,000 per claim, combining personal and property damage, and capped at DKK 10,000,000 in total even if several co-insured travellers are jointly liable.

Personskade: DKK 10.000.000 pr. skade Tingskade: 10.000.000 pr. skade

[167] Emergency dental: DKK 5,000 ↩

Covers unavoidable, acute dental treatment needed for acute toothache, up to DKK 5,000 per insured per trip; the treating dentist must be authorized in the country of treatment. Accident-related dental injury (Tandskade) is covered separately without the same fixed cap, but must begin abroad and generally be completed within 5 years (or by age 25 if delayed due to age).

Forsikringen dækker udgifter til uopsættelig og akut tandbehandling på destinationen, som er nødvendig på grund af akut tandpine, med op til DKK 5.000 pr. forsikrede pr. rejse.

[168] Search & rescue: DKK 100,000 ↩

Covers reasonable and necessary costs of police, civil or military search and/or rescue if you have been reported missing for at least 24 hours, were last seen alive within 5 days, and your location is known; up to DKK 100,000 per insured per claim, or DKK 300,000 per claim event shared equally among a group of insureds.

Forsikringssummen er op til DKK 100.000 pr. forsikrede pr. skade eller op til DKK 300.000 pr. skadebegivenhed.

[169] Legal assistance: DKK 100,000 ↩

Covers reasonable and necessary legal costs (own and opposing party's lawyer fees when ordered to pay, expert reports, court costs) for concrete legal disputes arising during a trip abroad, up to DKK 100,000 per trip; a 10% deductible applies (minimum DKK 2,500), waived if you qualify for free legal aid in the country where the damage occurred.

Forsikringssummen er op til DKK 100.000 pr. rejse. Der er en selvrisiko på 10 % af de samlede skadeomkostninger, dog minimum DKK 2.500.

[170] Emergency medical treatment: Covered ↩

Reasonable and necessary costs for treatment of acute illness or injury occurring during the trip; both public and private treatment are covered, with public treatment to be chosen first when possible and medically defensible.

Forsikringen dækker både privat og offentlig lægebehandling. Offentlig lægebehandling skal vælges, såfremt det er muligt og af forsvarlig lægelig standard.

[171] Hospitalization: Covered ↩

Covers hospital admission, board and associated hospital services with no stated monetary ceiling. If your stay is extended beyond the trip period due to hospitalization or acute illness/injury, extra board & lodging costs are separately capped at DKK 1,000 per day per insured.

Den maksimale dækning er DKK 1.000 pr. dag pr. forsikrede.

[172] Outpatient treatment: Covered ↩

Covered under acute illness/injury cover if you can be treated as an outpatient instead of being admitted; related extra board & lodging costs are capped at DKK 1,000 per day per insured.

Forsikringen dækker rimelige og nødvendige ekstraudgifter til kost og logi hvis: a) Du i stedet for indlæggelse kan behandles ambulant.

[173] Medical evacuation: Covered ↩

If medically necessary and approved by ERGO Forsikring's medical team, reasonable and necessary costs of transporting you home to your country of residence (or to a hospital there) are covered, normally by air ambulance or scheduled/charter flight as ERGO Forsikring decides; ERGO Forsikring has the right to decide whether and how transport takes place, and prior approval is required.

ERGO Forsikrings medicinske ansvarlige vurderer, efter kontakt med den behandlende læge, om en hjemtransport er medicinsk nødvendig og forsvarlig.

[174] Repatriation of remains: Covered ↩

Covers reasonable and necessary costs to repatriate the deceased to an undertaker/crematorium in the country of residence, including legally required formalities; alternatively, if next of kin prefer local cremation/burial abroad, costs are covered up to the amount a repatriation would have cost.

Hvis du dør under ophold i udlandet, dækkes rimelige og nødvendige udgifter til kremering og/eller begravelse på stedet, hvis dine nærmeste pårørende ønsker dette. Forsikringen dækker maksimalt et beløb svarende til, hvad en hjemtransport af kiste til dit bopælsland ville koste.

[175] Pre existing conditions: Conditional ↩

Existing or chronic illnesses can be covered if you obtain medical pre-approval before departure, particularly recommended if you have a serious chronic condition, a condition newly diagnosed within 2 months before departure, a condition unstable within 2 months before departure, a complicated pregnancy, or are under investigation without a diagnosis; approval applies only to the specific trip and must be renewed for future trips.

Et medicinsk forhåndstilsagn kan anbefales for at blive vurderet hvordan du er dækket af forsikringen under rejsen, hvis du opfylder en eller flere af nedenstående kriterier:

[176] Winter sports cover: Optional ↩

Available as a paid add-on ('Vintersport') that must be shown on the policy/booking confirmation; without it, no claims arising from the practice of winter sports such as skiing, snowboarding or similar are covered at all.

Dækningen er et tilvalg og skal fremgå af din forsikringspolice/bookingbekræftigelsen.

[177] Adventure sports cover: Excluded ↩

Injuries sustained while practising sport, athletics, adventure, expedition-like or similarly risky activities that cannot be considered ordinary leisure activities of normal scope and intensity are excluded from cover.

Du kommer til skade ved udøvelse af sport, atletik, adventure, ekspedition-lignende eller tilsvarende risikobetonede aktiviteter, der ikke kan betragtes som fritidsaktiviteter i almindeligt omfang og intensitet.

[178] Pregnancy complications: Conditional ↩

Unexpected illness or complications for mother and/or unborn child arising during or as a result of pregnancy and birth are covered, including treatment of a baby born before week 37 (36+6). However, expenses relating to pregnancy or birth from week 37 (36+6) onward, medically expected birth assistance (e.g. planned caesarean, induced labour, epidural) and related complications are excluded.

Uventet sygdom eller komplikationer hos moder og/eller ufødt barn opstået under eller som en følge af graviditet og fødsel, herunder behandling af et barn, der er født for tidligt, dvs. inden uge 37 (36+6)

[179] Medical expenses: Covered ↩

Covers doctor and hospital stays, including medicine and operations, in connection with illness or injury occurring during the trip. The exact sum insured is specified in the individual policy agreement (forsikringsaftale), not in the general terms.

Forsikringen dækker læge- og hospitalsophold, herunder medicin og operation, i forbindelse med akut sygdom eller tilskadekomst, der opstår på rejsen. […] Se erstatningssummer i din forsikringsaftale.

[180] Medical transport: Covered ↩

Covers ambulance or local transport to and from the nearest suitable hospital/treatment site, plus transport back home, when a covered illness, injury or death occurs; also covers a medically prescribed escort if the insured cannot travel alone. Sum insured is in the policy agreement.

Når forsikringen dækker en sygdom, tilskadekomst eller dødsfald, dækkes også udgifter til ambulance- eller lokal transport til og fra nærmeste egnede hospital eller behandlingssted samt udgifter til at du kan blive transporteret hjem. […] Hvis du på grund af dit helbred ikke kan rejse alene, dækkes udgifter til en ledsager, når dette er godkendt af Trygs læge. […] Se erstatningssummer i din forsikringsaftale.

[181] COVID-19 treatment: See details ↩

The terms and conditions do not include a specific named Covid-19 treatment clause; only rules on Covid-related vaccination/quarantine requirements affecting trip cancellation are addressed (section 17.2).

[182] Personal liability: Covered ↩

Covers the insured as a private individual causing personal injury or property damage and thereby incurring liability; excludes liability from use of motor vehicles or boats, damage to items in the insured's care, or liability assumed under contract beyond ordinary Danish tort law. Sum insured is in the policy agreement.

Forsikringen dækker, hvis du som privatperson forvolder person eller tingskade, og derved pådrager dig et erstatningsansvar. […] der skyldes brug af motorkøretøjer eller luftfartøj. på genstande, du har i din varetægt. på dine ting eller ting tilhørende din husstand. der er opstået under lønnet eller ulønnet arbejde. som følge af, at du ved aftale eller på anden måde har pådraget dig et videregående ansvar end efter dansk rets almindelige regler om erstatningsansvar uden for kontraktforhold.

[183] Emergency dental: Covered ↩

Covers acute dental treatment to reduce the scope of the damage, e.g. acute pain relief or treatment, when related to a covered event. Sum insured is in the policy agreement.

Desuden dækkes behandling relateret til en omfattet sygdom eller tilskadekomst hos en fysioterapeut, kiropraktor, osteopat, zoneterapeut samt akut tandbehandling for at mindske skadens omfang, fx akut smertelindring eller behandling. […] Se erstatningssummer i din forsikringsaftale.

[184] Search & rescue: Covered ↩

Covers costs for search within a radius of 50 km from where the insured was last seen, and rescue costs once the location has been established. Excludes search/rescue in Arctic areas of Canada, Russia and Alaska. Sum insured is in the policy agreement.

Forsikringen dækker udgifter til eftersøgning inden for en radius af 50 km fra det sted, du sidst er blevet set. Når dit opholdssted er blevet fastlagt, dækkes udgifter til redning af dig. […] eftersøgning og redning i arktiske områder i Canada, Rusland og Alaska. […] Se erstatningssummer i din forsikringsaftale.

[185] Legal assistance: Covered ↩

Covers legal aid costs if the insured has sought assistance from a lawyer who has taken on the case, following the terms of Tryg's Legal Aid Insurance (with deviations, e.g. only covering disputes arising during the trip). Sum insured is in the policy agreement; a special deductible applies per Tryg's Legal Aid terms.

Forsikringen dækker udgifter til retshjælp, hvis du har søgt bistand hos en advokat, som har påtaget sig sagen. […] Forsikringen dækker alene i forbindelse med rets- eller voldgiftssager, der er udsprunget af uenighed af retlig art opstået under rejsen, og som direkte vedrører dig. […] Der gælder en særlig selvrisiko for Retshjælpsforsikringen. Den fremgår af betingelserne for retshjælp, som du kan finde på www.fdm.dk/forsikringer/retshjælpsforsikring.

[186] Emergency medical treatment: Covered ↩

Covers acute illness or injury that arises suddenly during the trip and did not show symptoms before departure; also covers acute worsening of an existing illness if the insured has not been ill within 2 months before departure or has obtained a medical pre-approval. Sum insured is in the policy agreement.

Akut er sygdom og tilskadekomst, der opstår pludseligt under rejsen, og som ikke har vist symptomer før afrejse. […] Forsikringen dækker også akut forværring af eksisterende sygdom, hvis du ikke har været syg indenfor 2 måneder inden afrejse, eller hvis du har fået en medicinsk forhåndsgodkendelse. […] Se erstatningssummer i din forsikringsaftale.

[187] Hospitalization: Covered ↩

Hospital stays due to covered illness or injury during the trip are covered under Treatment Abroad; if the return home is delayed because the insured becomes acutely ill or is injured (e.g. requiring hospitalization) during the covered period, the coverage period is automatically extended beyond the chosen number of travel days. Sum insured is in the policy agreement.

Hvis din hjemrejse udskydes, fordi du i dækningsperioden er blevet akut syg eller er kommet akut til skade, dækker forsikringen ligeledes ud over det valgte antal rejsedage.

[188] Outpatient treatment: Covered ↩

Covers treatment related to a covered illness or injury by a physiotherapist, chiropractor, osteopath or zone therapist. Sum insured is in the policy agreement.

Desuden dækkes behandling relateret til en omfattet sygdom eller tilskadekomst hos en fysioterapeut, kiropraktor, osteopat, zoneterapeut samt akut tandbehandling for at mindske skadens omfang, fx akut smertelindring eller behandling. […] Se erstatningssummer i din forsikringsaftale.

[189] Repatriation of remains: Covered ↩

In the event of death, covers costs of urn or coffin transport, including legally required measures. Sum insured is in the policy agreement.

Ved dødsfald dækkes udgifter til urne- eller kistetransport, inklusive lovbefalede foranstaltninger. […] Se erstatningssummer i din forsikringsaftale.

[190] Pre existing conditions: Conditional ↩

Worsening during the trip of an existing or chronic illness is only covered if a medical pre-approval has been obtained, or if the insured has not been ill within 2 months before departure. A medical pre-assessment (electronic test) determines whether the condition is fully, partly, or not covered.

Forsikringen dækker også akut forværring af eksisterende sygdom, hvis du ikke har været syg indenfor 2 måneder inden afrejse, eller hvis du har fået en medicinsk forhåndsgodkendelse. […] Forværring under rejsen af en eksisterende eller kronisk sygdom eller af en tilskadekomst opstået før afrejse dækkes ikke, medmindre vi har givet en medicinsk forhåndsgodkendelse. […] Vurderingen er baseret på de oplysninger, du afgiver, og kan enten resultere i en forhåndsgodkendelse, der betyder at forsikringen dækker efter vilkårene, eller der betyder, at du kun delvist eller slet ikke er dækket af rejsen.

[191] Winter sports cover: Optional ↩

Treatment, hospitalization, transport home, sickness accompaniment or recall due to injuries sustained while skiing or snowboarding are excluded unless the optional 'Ski tilskadekomst m.m.' add-on has been selected and appears in the policy agreement. All other forms of sport, including those normally considered dangerous, are covered for medical treatment as standard.

Behandling eller indlæggelse, hvis årsagen er en direkte eller indirekte følge af skader sket på ski eller snowboard medmindre tilvalget 'Ski tilskadekomst m.m.' er tilvalgt.

[192] Adventure sports cover: Covered ↩

All forms of sport, including those normally considered dangerous, are covered for medical treatment as standard, except injuries sustained while skiing or snowboarding, which require the optional 'Ski tilskadekomst m.m.' add-on. Professional sport and polar expeditions are excluded entirely.

Forsikringen dækker skader, der er sket under udøvelse af alle typer sport, også sportsgrene, der almindeligvis betragtes som farlig sport. Se dog afsnit Ski og snowboard. […] Forsikringen omfatter ikke rejser, hvor der indgår deltagelse i polarekspeditioner. professionel sport.

[193] Pregnancy complications: Conditional ↩

Pregnancy-related illness or injury is covered as ordinary acute illness; non-medically-justified abortion, sterilisation and sterility examinations or treatment are excluded.

Abort, der ikke er medicinsk begrundet, sterilisation og sterilitetsundersøgelser eller behandling.

[194] Evacuation: Covered ↩

Covers extra transport, accommodation and meal costs to be evacuated to the home country or an equivalent location when Danish authorities recommend evacuation, or Tryg assesses evacuation is needed due to war, terrorism, natural disaster or epidemic that arose after arrival. Sum insured is in the policy agreement.

Forsikringen dækker ekstraudgifter til transport og eventuelt ophold og forplejning, så du kan blive evakueret til dit bopælsland, når Udenrigsministeriet i Danmark, Statens Serum Institut eller lignende offentlig dansk myndighed anbefaler evakuering fra det land/område, hvor du opholder dig. […] krig, borgerkrig, militær undtagelsestilstand, oprør eller borgerlige uroligheder, der medfører undtagelsestilstand. - terrorisme. - naturkatastrofer eller epidemi. […] Det er en betingelse for erstatning, at disse hændelser ikke var sket, da du rejste ind i landet.

[195] Medical expenses: DKK 5,000,000 ↩

In Europe, medical costs for acute illness/injury are covered by the Danish public health insurance (EU health card); if World cover is chosen, the policy pays up to DKK 5,000,000.

Sygdom Dækkes af den offentlige sygesikring DKK 5.000.000

[196] Medical transport: DKK 500,000 – DKK 1,000,000 ↩

Reasonable and necessary costs of transport home to Denmark due to acute illness, injury or death occurring on the trip, approved and arranged by SOS International. Europe cover: DKK 500,000 (death costs covered by public health insurance); World cover: DKK 1,000,000.

Hjemtransport DKK 500.000 Ved dødsfald dækkes udgifter dog af den offentlige sygesikring. DKK 1.000.000

[197] COVID-19 treatment: See details ↩

No specific COVID-19 provision is stated in the policy terms; it is not mentioned as either a distinct benefit or an exclusion.

[198] Personal liability: DKK 2,000,000 ↩

In addition to the home-contents insurance liability cover, liability for damage to rented holiday accommodation and contents therein is covered up to DKK 2,000,000, subject to a DKK 1,500 deductible. This is not a general personal liability cover for third-party injury/property claims outside the holiday accommodation.

I tillæg til indboforsikringens ansvarsdækning dækkes ansvar for skade på lejet feriebolig og indbo beroende heri op til DKK 2.000.000. Der gælder en selvrisiko på DKK 1.500.

[199] Emergency dental: DKK 10,000 ↩

Acute dental treatment is covered up to DKK 10,000 per person per trip, the same amount for Europe and World cover.

Akut tandbehandling op til DKK 10.000 pr. person pr. rejse

[200] Search & rescue: DKK 100,000 ↩

Necessary search and rescue costs up to DKK 100,000 per person per trip, subsidiary to assistance normally provided by local authorities; SOS International arranges the search and coordinates with authorities.

Nødvendige udgifter til eftersøgning og redning med op til DKK 100.000 pr. person pr. rejse. Dækningen er subsidiær i forhold til den assistance, lokale myndigheder normalt yder

[201] Legal assistance: DKK 15,000 ↩

Legal assistance itself is covered under the home-contents insurance; this travel policy additionally covers necessary travel expenses if your presence abroad is required, up to DKK 1,500 per day and DKK 15,000 in total (economy-class flights, accommodation and subsistence). Separately, bail/security in legal disputes abroad is covered up to DKK 100,000 per claim.

Desuden dækkes rimelige og nødvendige rejseudgifter, hvis din tilstedeværelse i det pågældende land er påkrævet. Forsikringen dækker rejse med rutefly på økonomiklasse og udgifter til ophold og forplejning op til DKK 1.500 pr. dag og DKK 15.000 i alt.

[202] Emergency medical treatment: DKK 5,000,000 ↩

Covers doctor treatment, medically ordered hospital stay, medically prescribed medicine, ambulance and taxi transport (max DKK 500) to/from treatment. In Europe this is covered under the public health insurance; in World cover it falls under the DKK 5,000,000 Sygdom limit.

Sygdom Dækkes af den offentlige sygesikring DKK 5.000.000

[203] Hospitalization: Covered ↩

Medically ordered hospital stay at normal rates is covered within the Sygdom (illness) benefit; extra costs such as phone calls, transport and reading material up to DKK 500 are covered if admission lasts at least 24 hours.

Telefonopkald, transport, læsestof mv. op til 500 DKK i tilfælde, hvor indlæggelsen varer mindst 24 timer

[204] Outpatient treatment: DKK 10,000 ↩

Physiotherapy or chiropractic treatment is covered up to DKK 10,000 per person per trip, in both Europe and World cover.

Behandling af fysioterapeut eller kiropraktor op til DKK 10.000 pr. person pr. rejse

[205] Medical evacuation: DKK 100,000 – DKK 200,000 ↩

Reasonable extra costs for evacuation or return home from an area with imminent risk of war, war-like conditions, terrorism, natural disaster, revolt or civil unrest, provided evacuation is recommended by Danish authorities. Europe: DKK 100,000; World: DKK 200,000.

Evakuering DKK 100.000 DKK 200.000

[206] Repatriation of remains: DKK 1,000,000 ↩

In case of death on the trip, costs are covered by the Danish public health insurance under Europe cover; under World cover, death-related transport falls within the DKK 1,000,000 Hjemtransport limit.

Hjemtransport DKK 500.000 Ved dødsfald dækkes udgifter dog af den offentlige sygesikring. DKK 1.000.000

[207] Pre existing conditions: Conditional ↩

Treatment needs known before the trip are excluded. For chronic/existing conditions, coverage is excluded if within the last two months before departure the condition led to hospitalization, changed medication, non-routine medical assessment, refusal of treatment, being on a waiting list, or missed check-ups. SOS International can give a binding pre-assessment on request, based on medical documentation submitted before the trip.

Behandling af kroniske sygdomme, hvis sygdommen indenfor de seneste to måneder før afrejsen har medført: Hospitalsindlæggelse ... Er der tvivl om, hvorvidt udgifter til behandling af en kronisk sygdom vil være omfattet af forsikringen, kan SOS International kontaktes for en bindende forhåndsvurdering