ABCforsikringsagentur A/S (trading as ABCforsikring, also registered under the binamn ABCforsikring A/S)
ABCforsikring
ABCforsikring is a travel insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
In case of hospitalization, SOS International's doctor can provide a guarantee or send payment directly to the hospital or treating physician; for outpatient treatment the insured pays and claims reimbursement afterwards.
Geographic scope
Worldwide, excluding travel within Denmark
Annual travel insurance is issued with coverage worldwide. Travel within Denmark is not covered by the insurance.
Unique selling points
- Unlimited ("ubegrænset") coverage for acute illness/injury treatment and home transport, well above many market sub-limits.
- Ski cover can be added with "no commitment or fees" (ingen binding eller gebyrer), unlike many insurers' rigid add-on terms.
- 24-hour, 365-days-a-year emergency assistance through dedicated partner SOS International.
- Covers the whole household including the policyholder's own accompanying children up to age 18, not just the individual traveller.
- Holiday compensation (feriekompensation) of up to 100,000 DKK if illness, injury, hospitalisation or death prevents the insured from enjoying the trip.
Coverage limits
Acute illness/injury 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.
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.
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.
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.
Emergency dental treatment
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.
Medical transport / home 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.
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.
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.
Search and 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.
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.
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.
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.
Adventure/sports activities 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.
Pregnancy complications
unlimited
Covers pregnancy complications, birth, and treatment of an unborn or premature child up to 4 weeks before the expected due date, for up to 1 month of treatment outside the EU; within the EU similar cover applies up to 4 weeks before the due date. Pregnancy tests, elective abortion, sterilisation and fertility treatment are excluded.
Personal liability
No limit stated
No personal liability coverage is described anywhere in the policy terms or IPID for this travel insurance product.
Legal assistance
Excluded
Explicitly excluded: expenses for legal assistance and other advisory services are not covered under the policy's general exclusions.
24/7 emergency assistance
Covered
ABC's service partner SOS International operates a 24-hour alarm centre 365 days a year, which the insured can always contact for advice or assistance before, during, or after the trip.
Key conditions
Assistance call deadline
Any situation that may give rise to a claim must be reported to ABC/SOS as soon as possible; SOS must always be contacted in case of hospitalization.
Unauthorized treatment
The policy does not cover treatment that has not been approved by SOS's doctor, or expenses arising from the insured not following the instructions of SOS's doctor.
Purchase while abroad
The annual travel insurance must be purchased and paid for before departure; it cannot be bought once the trip has begun.
Chronic conditions
Treatment of chronic or existing illnesses is excluded if the condition is unstable, if care/control visits have been missed within the last 2 months, or if there was a known treatment need or change in medication/hospitalisation within 2 months before departure.
Pregnancy
Pregnancy complications and birth are covered up to 4 weeks before the expected due date and for a maximum of 1 month of treatment; pregnancy tests, elective abortion, sterilisation and fertility investigations/treatment are excluded.
Pre-existing condition exclusions
Coverage for chronic/existing conditions that are not stable is excluded by default; the insured can apply for a medical pre-assessment (medicinsk forhåndstilsagn) via SOS to clarify whether and how the trip is covered.
Coverage duration limit
The annual policy is issued for one year at a time and covers trips of a maximum duration of 60 travel days; the trip period can, by agreement with ABC, be extended up to 24 months in total from the original departure date.
Where to buy
Policy specifics
Flight cancellation
Optional add-on coverage for trip cancellation that can be selected in addition to base travel insurance
SourceSki coverage
Optional sports and ski-specific coverage that can be added to the base travel insurance policy
SourceCOVID-19 quarantine expenses
Coverage for necessary and reasonable expenses for food, accommodation, and return home if insured tests positive for COVID-19 during travel and is required to quarantine
SourceBaggage delay
The T&C provides a specific benefit only for baggage delay of more than 5 hours: reasonable, necessary and documented replacement purchase/rental costs at 500 DKK per day per person, max 2,000 DKK. There is no separate sum insured in the T&C for lost, stolen or damaged baggage itself.
SourceEvacuation (war/natural disaster/epidemic)
Covers reasonable and necessary transport, hotel, food, clothing and local transport costs up to 75,000 DKK for evacuation to the nearest safe destination or to Denmark, if the Ministry of Foreign Affairs, local authorities or the State Serum Institute recommend evacuation due to war, terrorism, natural disaster or life-threatening epidemic.
SourceRecall home
Covers reasonable and necessary extra transport costs up to 25,000 DKK for the insured and one travel companion if recalled home due to serious illness/injury or death in the immediate family, or major damage to the insured's home in Denmark.
SourceDetention
If the insured is detained by authorities in a country due to war or risk of war, the policy covers necessary extra expenses for accommodation and domestic transport for up to 3 months, max 50,000 DKK, with meals covered up to 500 DKK per day within that sum.
SourceDelayed return journey
Covers reasonable and necessary extra hotel and meal expenses of up to 1,000 DKK per commenced 24-hour delay period, max 5,000 DKK, if the return journey to Denmark is delayed more than 5 hours due to weather or mechanical failure. Delays to/from the Faroe Islands or Greenland are excluded.
SourceEU package travel cover
Covers losses before departure (up to 25,000 DKK/person), during the trip (up to 25,000 DKK/person) and after the trip (up to 10,000 DKK/person) due to unforeseen deficiencies in a self-arranged trip, subject to a 1,000 DKK deductible per person per claim.
SourceHoliday compensation
Covers the price of the trip for holiday days that cannot be used due to hospitalisation, recall home, home transport, death, or acute illness/injury preventing the trip's main purpose; total compensation cannot exceed 100,000 DKK and only applies to trips up to 1 month.
SourcePhysiotherapy/chiropractor sub-limit
Within the unlimited Sygdom sum, doctor-prescribed physiotherapy or chiropractic treatment is capped at 15,000 DKK.
SourceEmergency assistance provider
Travel assistance is provided 24/7 through SOS International, the designated service partner for medical and travel emergencies
SourceEU health insurance card requirement
For travel within EU/EEA countries, the insured must present the blue EU health insurance card (blåt EU-sygesikringskort) to receive benefits
SourceAnnual worldwide coverage
Product offers annual travel insurance with worldwide coverage for all holidays throughout the year up to 60 consecutive days per trip
Source