Bauta Forsikring, a brand of LB Forsikring A/S
Bauta Forsikring
Bauta Forsikring is a travel insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
In emergencies you can have a covered claim settled during the trip, with the payout amount depending on your immediate need for financial help; final claims handling takes place after you return home.
Geographic scope
Extended Europe (default) or Worldwide (selectable upgrade)
Extended Europe comprises: Albania, Andorra, Armenia, Azerbaijan, the Azores, Belgium, Bosnia-Herzegovina, Bulgaria, Cyprus, Denmark, the Canary Islands, Estonia, Finland, France, the Faroe Islands, Georgia, Gibraltar, Greece, Greenland, Netherlands, Belarus, Ireland, Iceland, Isle of Man, Italy, the Channel Islands, Kazakhstan, Kosovo, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, North Macedonia, Norway, Poland, Portugal, Romania, Russia, San Marino, Switzerland, Serbia, Slovakia, Slovenia, Spain, United Kingdom (England, Scotland, Wales, Northern Ireland), Sweden, Czech Republic, Turkey, Germany, Ukraine, Hungary, Vatican City and Austria. Overseas islands are not part of Extended Europe. Coverage can be extended to worldwide with the World option.
Unique selling points
- Marketed as 'Bedst i Test 2026' (Best in Test 2026) for its travel insurance.
- Free access to an online doctor service (Online lægehjælp) for policyholders with travel, health or accident insurance.
- Round-the-clock alarm center support, with help available whenever needed during the trip.
- Members get 10-30% discount on selected travel vaccines and a reduced 99 kr. base consultation fee (vs. normal 175 kr.) at Danske Lægers Vaccinations Service.
- Extended travel insurance can be added to prolong cover up to 1 year, with a one-off payment and short-notice cancellation if you return home early.
Coverage limits
Illness and injury - 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.
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.
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.
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.
Emergency dental treatment
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.
Sick transport / ambulance 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.
Medical repatriation / transfer to another treatment facility
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.
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.
Search and 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.
COVID-19 treatment
No limit stated
The terms and PID do not mention COVID-19 as a separately defined cover; it is not distinguished from other acute illnesses in the reviewed sources.
Pre-existing / chronic 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.
Ski sports cover
Optional
Only in Skisport
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.
Adventure sports cover
No limit stated
No separate 'adventure sports' cover is defined in the terms or PID; the terms only address ski/snowboard sports and exclude costs from practising or training for professional sport.
Pregnancy-related treatment
Conditional
Treatment in connection with childbirth is covered up to 4 weeks before the expected due date; cancellation cover, separately, excludes pregnancies known at booking unless the due date falls within the trip or under 4 weeks after the return date.
Personal liability
DKK 10,000,000
Only in Ansvar, retshjælp og bagage
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.
Legal assistance
DKK 150,000
Only in Ansvar, retshjælp og bagage
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.
24/7 emergency assistance
Covered
Policyholders and family have round-the-clock access to the insurer's emergency alarm center for acute assistance while travelling (+45 70 15 55 00), including access to an online Danish-language doctor service.
Key conditions
Assistance call deadline
You must contact the 24-hour alarm center as soon as possible in an emergency; prior agreement with the insurer or its alarm center is required for sick/repatriation transport, escort (sygeledsagelse), call-out (tilkaldelse) and evacuation costs to be covered.
Unauthorized treatment
Costs for sickness/repatriation transport, medical escort or call-out that are not agreed with the insurer or its alarm center in advance are not covered.
Purchase while abroad
Coverage starts when you leave your home address in Denmark and ends when you return to your home address in Denmark; the policy is tied to being registered at a Danish civil registration (folkeregister) address, so it is designed to be bought before departure rather than while already travelling.
Chronic conditions
For acute worsening of a chronic or existing illness to be covered, your condition must have been stable for the last 2 months before departure, or you must have obtained a medical pre-assessment without an exclusion clause.
Pregnancy
Treatment related to childbirth is covered up to 4 weeks before the expected due date; the optional cancellation cover excludes pregnancies where the due date falls within the trip or under 4 weeks after the planned return, if you became aware of the pregnancy after booking.
Pre-existing condition exclusions
A medical pre-assessment may be required if you have a chronic or existing illness, or have been ill or injured immediately before booking or up to departure, to clarify whether your condition is covered.
Coverage duration limit
The standard annual policy covers each trip for the first 60 days; for longer trips, an extended travel insurance (Forlænget rejseforsikring) can be purchased to extend the coverage period up to 1 year, though it excludes replacement-trip and ruined-vacation-day benefits.
Policy specifics
Medical pre-assessment requirement
Medical pre-assessment may be required if policyholder has pre-existing condition or has been ill/injured within 2 months before departure
SourceLimited dental treatment coverage
Covers treatment and examination for acute illness and injury, but with limited coverage for tooth damage and treatment with physiotherapist, chiropractor, acupuncturist and zone therapist
SourceOptional ski sports coverage
Covers damage occurring while skiing or snowboarding. Coverage area follows the selected region (Europe or World). Must be selected as add-on for coverage activation.
SourceOptional trip cancellation insurance
Covers trip cancellation due to acute illness or injury. Covers non-refundable expenses such as transport, accommodation, and event tickets.
SourceOptional responsibility, legal aid and baggage coverage
Covers liability if policyholder causes damage to other persons or their belongings, and covers baggage damage. Only needed if policyholder does not have separate home contents insurance.
SourceMaximum coverage duration per trip
Base annual policy covers up to 60 days per trip. Extended travel insurance (Forlænget rejseforsikring) available for longer trips.
SourceEvacuation and detainment (war/unrest/disaster)
Covers reasonable extra costs for evacuation or early return when local/Danish authorities recommend it due to war, war-like conditions, terrorism, uprising, civil unrest, natural disaster or epidemic, and covers involuntary detainment abroad. Covered up to 65,000 kr. per person, plus stay/subsistence up to 1,500 kr. per person per day for up to 3 months. This is distinct from medical evacuation.
SourceLiability for rented holiday accommodation (always included)
Covers liability as a private individual for damage to fixtures/fittings or building parts of a rented holiday home, up to 3,000,000 kr. per claim. This is always included in the base policy, unlike the broader optional personal liability cover.
SourceSecurity deposit / bail guarantee abroad
The insurer will put up security in connection with private legal disputes over compensation claims arising on the trip, e.g. lawyer's costs, amounts required by local authorities, or payment to release the insured and belongings held by local authorities. Covered up to 150,000 kr. per event; always included in the base policy.
SourceGeographic coverage selection
Policyholder must choose between Europe coverage or worldwide coverage at purchase. Ski sports coverage follows selected region.
SourceCoverage of household members and dependents
For policies effective before October 8, 2025: covers policyholder, family members at same address, children at other parent's address under 21, unmarried resident children under 21, spouse in care facility, and housemate. For policies from October 8, 2025 onward: covers named insured persons on policy and household members up to age 18.
SourceSelf-deductible on rental car coverage
Covers deductible (selvrisiko) on rental car damage claims. Maximum covered amount: 25,000 DKK. For policies before October 8, 2025: initial deductible 2,500 DKK payable by insured. For policies from October 8, 2025 onward: full coverage.
SourceCoverage for hindered access to holiday accommodation
Covers reasonable and necessary extra expenses for alternative holiday accommodation rental when unable to access booked accommodation due to adverse weather conditions. Maximum: 15,000 DKK per week, 30,000 DKK per trip.
SourceRuined vacation days and replacement trip coverage
Covers vacation days lost due to hospital admission or diagnosis requiring stay in holiday accommodation. Applies when policyholder or sole travel companion is hospitalized over 50% of trip duration, or transported home due to acute illness/injury in early trip stage. Includes all insured persons staying with affected person.
Source24/7 emergency assistance service
Policyholder and family have 24-hour access to emergency alarm center for acute assistance while traveling. Includes access to online Danish-language doctor service.
SourceExclusion: pure business travel
Policy excludes pure business travel, treatment trips, and guide/bartending education programs. Private holiday trips with minor business activity (max 1 day) are covered.
Source