GF Forsikring A/S
GF Forsikring
GF Forsikring is a travel insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
The reviewed documents do not specify whether medical costs abroad are paid directly to providers or reimbursed afterwards; guidance directs policyholders to call GF's 24/7 alarm centre if they fall ill, are injured, or are hospitalized.
Geographic scope
Europe (incl. Turkey, up to the Urals) or Worldwide, depending on the selected plan
Rejseforsikring Europa inkl. Tyrkiet covers Denmark and Europe up to the Urals (a defined list of European countries incl. Turkey); Rejseforsikring Verden covers the whole world, incl. Denmark.
Unique selling points
- Profit-sharing: as a member-owned insurer, GF returns surplus to policyholders via lower prices the following year.
- Covers the whole household on one policy, including non-resident children under 18 living alone and shared-custody grandchildren/step-grandchildren under 18.
- 24/7 Danish-based alarm centre that can be called around the clock in case of illness, injury or hospitalization abroad.
- Covers domestic holidays in Denmark of at least 3 nights, not just trips abroad.
Coverage limits
Emergency medical expenses
Covered
No limit stated
Only in Rejseforsikring Europa inkl. Tyrkiet, Rejseforsikring Verden
The policy covers emergency medical treatment if the insured falls ill or is injured on a trip, as a core (Basis) cover under both Europe and World plans.
Emergency medical treatment
Covered
No limit stated
Only in Rejseforsikring Europa inkl. Tyrkiet, Rejseforsikring Verden
GF's travel insurance covers acute illness or injury sustained during the trip.
Hospitalization
Covered
No limit stated
Hospitalization abroad due to illness or injury is covered as part of the medical treatment cover; no specific sum was stated in the reviewed documents.
Outpatient treatment
Covered
No limit stated
Outpatient medical care abroad is implied under the general medical treatment cover, but no specific sum is stated in the reviewed documents.
Medical transport home
Covered
No limit stated
Only in Rejseforsikring Europa inkl. Tyrkiet, Rejseforsikring Verden
GF's travel insurance covers emergency transport back to Denmark if seriously ill or injured during the trip.
Medical evacuation
Covered
No limit stated
Only in Rejseforsikring Europa inkl. Tyrkiet, Rejseforsikring Verden
Repatriation/evacuation for medical reasons is covered under the same 'hjemtransport' benefit as medical transport home; no specific sum stated.
Pre-existing conditions
Conditional
A real or potential need for treatment known before departure is excluded, and worsening of an existing illness/injury is not covered unless the condition has been stable and unchanged for the 2 months prior to departure; a medical pre-assessment may determine full, partial or no cover.
Winter sports cover
Optional
Only in Ski og sport
'Ski og sport' is an optional add-on to the base travel insurance, listed among the Tilvalg (add-ons) in the product information document.
24/7 assistance
Covered
Only in Rejseforsikring Europa inkl. Tyrkiet, Rejseforsikring Verden
Policyholders can call GF's alarm centre in Denmark around the clock (+45 70 21 80 80) if they fall ill, are injured, or are hospitalized.
Key conditions
Assistance call deadline
Claims must be reported as soon as possible; theft, robbery, assault and vandalism must also be reported to the police as soon as possible. No specific number of hours is stated in the reviewed documents.
Unauthorized treatment
The reviewed documents do not specify a penalty for obtaining treatment without prior authorization from GF's alarm centre.
Purchase while abroad
The reviewed documents do not state whether the policy can be purchased while the policyholder is already abroad.
Chronic conditions
Worsening of an existing illness or injury is not covered if the condition has not been stable and unchanged for the 2 months before departure.
Pregnancy
The reviewed documents do not contain specific provisions on cover for pregnancy.
Pre-existing condition exclusions
A real or potential need for treatment that was known before departure is not covered, and worsening of an existing condition is excluded unless it has been stable for 2 months before departure.
Coverage duration limit
Cover applies to the first 60 consecutive days of a trip, regardless of destination, unless an add-on or a group agreement extends this.
Policy specifics
Emergency medical expenses
Coverage for emergency medical treatment during travel, including hospitalization
SourceEmergency transport home
Coverage for emergency transportation back to Denmark if seriously ill or injured
SourceBaggage delay compensation
Covers replacement purchases when baggage is delayed more than 5 hours
SourceReplacement travel compensation
Compensation or replacement travel if vacation is ruined due to illness or injury
SourceCoverage duration per trip
Travel insurance covers first 60 consecutive days regardless of destination
SourcePayment methods and frequency
Can pay annually, semi-annually, quarterly, or monthly via payment cards or direct debit
SourceExclusion: existing or chronic illness
Travel insurance does not cover pre-existing or chronic medical conditions
SourceHousehold coverage included
Travel insurance covers the entire household, not just the policyholder
SourceEU/EEA health card requirement
Policyholders should carry the blue EU health insurance card (EHIC) when traveling to EU/EEA countries
Source