Insurance Joint Stock Company Alka (Forsikrings-Aktieselskabet Alka)
Alka
Alka is a travel insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
Alka rejseservice (Falck Global Assistance) can issue payment guarantees directly to doctors and hospitals abroad on the policyholder's behalf.
Geographic scope
Worldwide (single global plan, no Europe-only option)
Covers trips abroad and, to a limited extent, holidays in rented accommodation in Denmark; general exclusions apply for war zones and areas under official evacuation advisories.
Unique selling points
- Covers the whole household at the same address, year-round and worldwide, no matter how many trips are taken.
- Ski and winter-sports holidays are covered under the standard policy with no extra premium.
- 24/7 emergency hotline (Alka rejseservice, run by Falck Global Assistance) can issue payment guarantees directly to hospitals abroad.
- Optional cancellation cover reimburses up to 120,000 DKK per trip for covered persons combined.
- Rental car collision-damage excess abroad is reimbursed up to 15,000 DKK per trip.
Coverage limits
Medical treatment abroad
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.
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.
Hospitalization abroad
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.
Outpatient treatment
Covered
Covers ambulant treatment by an authorized doctor/nurse in the country visited plus prescribed medicine; no fixed ceiling is stated.
Emergency dental/physiotherapy/chiropractor treatment abroad
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.
Local 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.
Medically necessary transport/evacuation home to Denmark
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.
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.
Search and 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.
COVID-19 treatment
No limit stated
The provided terms and factsheets do not specifically mention COVID-19 treatment as a distinct cover item.
Pre-existing/chronic 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.
Winter sports (ski holidays)
Covered
Ski holidays are covered under the standard annual travel policy at no extra charge, as part of the general private leisure-trip cover.
Adventure/extreme sports and expeditions
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.
Pregnancy complications
No limit stated
Not addressed as a distinct cover item in the reviewed terms and factsheets.
Personal liability
No limit stated
Not a covered item under the Årsrejseforsikring sections reviewed; liability abroad is instead handled under the separate Indboforsikring's liability cover.
Security deposit for disputes/legal fees
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.
24/7 emergency assistance
Covered
Alka rejseservice, operated by Falck Global Assistance, is available around the clock to interpret with local doctors/hospitals, arrange payment guarantees, book hotels/flights home, and provide advance claim payments; calls to/from the service are covered by the policy.
Key conditions
Assistance call deadline
If hospitalized or examined at a hospital abroad, Alka rejseservice (+45 70 27 14 33) must be contacted as soon as possible and before signing any forms; all claims must in any case be reported no later than the return home to Denmark.
Unauthorized treatment
If you arrange your own repatriation without Alka rejseservice's prior acceptance, the cost is only reimbursed if a doctor at Alka rejseservice later deems it medically necessary, and reimbursement cannot exceed what Alka would have paid had it arranged the transport itself.
Purchase while abroad
The policy is an add-on to the Indboforsikring (contents insurance) and requires the covered persons to have a Danish civil registration (folkeregister) address; the sources do not describe a process for buying or activating cover while already travelling abroad.
Chronic conditions
Chronic conditions are excluded unless they have been stable for 2 months before departure; if there has been recent hospitalization, treatment, new medication or referral within that period, the traveller should request a medical pre-assessment from Alka rejseservice before departing.
Pregnancy
The reviewed terms and factsheets do not specifically address pregnancy or pregnancy-related complications.
Pre-existing condition exclusions
Pre-existing illnesses or injuries known before departure, or conditions under investigation/awaiting treatment, are excluded from the medical cover unless a medical pre-assessment from Alka rejseservice has confirmed cover for that specific trip.
Coverage duration limit
The policy covers trips of up to 60 days; if a covered claim causes the trip to extend beyond 60 days, cover is automatically prolonged for that trip.
Where to buy
Policy specifics
Trip cancellation
Covers trip cancellation if policyholder becomes ill and medical assessment determines travel is inadvisable
SourceDelayed baggage
Covers necessary purchases (toiletries, clothing) if checked baggage delayed more than 5 hours
SourceRental car excess
Covers deductible when rental company charges excess for collision damage to rental vehicle
SourceMedical treatment abroad
Covers reasonable and necessary medical treatment expenses for acute illness or injury abroad without ceiling
SourceCompanion summons and care
Covers costs for family member to travel to insured person due to serious illness/injury
SourceLost holiday days
Compensation for holiday days lost due to acute illness or injury during trip
SourceGovernment-advised or forced evacuation
Covers extra costs of returning home if the Danish Foreign Ministry, Statens Serum Institut or a similar authority calls for evacuation, or local authorities require evacuation due to natural disaster, wildfire, epidemic or terrorism; also covers loss of/damage to luggage left behind during evacuation.
SourceMedical pre-assessment requirement
Pre-existing conditions or recent medical events require Alka medical pre-assessment for coverage confirmation
SourceEmergency service coordination
All claims and emergency assistance coordinated through Alka travel service (Falck Global Assistance)
SourceAdd-on to home contents insurance
The Årsrejseforsikring is sold as an add-on to the policyholder's Indboforsikring (home contents insurance) and is invoiced together with it; the general terms of the Indboforsikring apply unless otherwise stated in the travel terms.
Source