If

Covers reasonable and necessary expenses for treatment by an authorised doctor and prescription medication, doctor-prescribed hospital stays and treatment, physiotherapist, chiropractor or similar treatment (up to DKK 10,000), acute dental treatment (up to DKK 10,000), reasonable board and lodging after hospital discharge or for ambulatory treatment, pregnancy and childbirth treatment arising from acute illness or injury, treatment of a premature baby born more than 1 month early, and re-joining of travel route after illness. Reasonable and necessary expenses are reimbursed without an overall maximum. A deductible of DKK 500 applies per claim for acute dental treatment, outpatient treatment or hospital stay under 24 hours.

Covers reasonable and necessary costs for emergency medical treatment if the insured becomes acutely ill or is injured on a holiday trip. Includes treatment by authorised doctor, prescription medicine, and follow-up treatment. No stated overall monetary cap on reasonable and necessary medical expenses beyond the sub-limits for physiotherapy/chiropractic (DKK 10,000) and acute dental (DKK 10,000). A deductible of DKK 500 applies for outpatient treatment or hospital stay under 24 hours.

Covers doctor-prescribed stays and treatment at a hospital. No stated overall monetary maximum on reasonable and necessary hospitalization costs. Reasonable board and lodging costs are covered after hospital discharge (with If approval) until the insured can travel home or rejoin their planned travel route. A deductible of DKK 500 applies only if hospitalized for less than 24 hours.

Covers outpatient (ambulatory) treatment by an authorised doctor, including cases where treatment that would otherwise require hospitalisation can proceed on an outpatient basis (with If's approval and covering reasonable board and lodging). Also covers physiotherapy, chiropractic and similar treatment up to DKK 10,000. A DKK 500 deductible applies per outpatient claim.

Covers acute dental treatment necessary to immediately minimise the extent of damage, such as pain relief or standard treatment. Root canal treatment, crowns and other specialist dental treatments are only covered if agreed with If. Maximum DKK 10,000 per claim (not index-regulated). A deductible of DKK 500 applies.

Covers reasonable and necessary costs for ambulance transport from the site of illness or accident to the treatment location, and transport to and from the nearest suitable treatment facility (agreed with If). Transport by ambulance plane is not covered if transport can take place in another medically justifiable way.

Covers transport to Denmark by ordinary means of transport, ambulance or ambulance plane when the insured is acutely ill or injured and entitled to compensation under the illness and injury clause. Transport must be approved and arranged by If. Also covers transport of left-behind baggage due to the insured's repatriation. Ambulance plane is not covered if transport can take place in another medically justifiable way.

Covers transport to Denmark in the event of death, including measures required by the authorities. Reasonable and necessary expenses are reimbursed.

Covers costs for search within a 50 km radius from the last known location and rescue once the insured's location is established. Conditions: missing for more than 24 hours, missing reported to local police, search conducted at the request of a local public authority or the Danish Ministry of Foreign Affairs, and If approves the parties and scope in advance. Maximum DKK 130,514 (2024) per person and DKK 391,545 (2024) per claim in total for up to 14 days. Excludes: payments to authorities/organisations that normally work voluntarily, search in connection with kidnapping or hijacking, north of the Arctic Circle or at the South Pole, and searches initiated by relatives because the insured failed to inform them of their whereabouts.

Covers treatment in connection with pregnancy and childbirth resulting from an acutely arising illness or injury. Also covers treatment of pregnancy and childbirth not arising from acute illness or injury up to 1 month before the expected date of birth, and treatment of a premature baby born more than 1 month before the expected birth date. Voluntary termination of pregnancy is explicitly excluded.

Covers the insured's legal liability as a private person for damage to fixtures/fittings or structural elements of a rented holiday accommodation. Maximum DKK 3,000,000 (not index-regulated) per claim in total. Excludes liability arising from motor vehicles, animals, professional/employment situations, contractual relationships (other than the holiday rental agreement), toys/hobby/sports equipment with engine over 5 hp, intentional or grossly negligent acts, and self-induced intoxication.

In connection with a private legal dispute, If provides security for: payment of the insured's legal costs, claims from local authorities for damages raised against the insured, and payment for the release of the insured or their belongings held by local authorities. Maximum DKK 150,000 (not index-regulated) per legal dispute. The security constitutes an interest-free loan that must be repaid immediately once funds are released by the authorities. Excludes professional, employment, or contractual disputes, and criminal cases (except traffic offences).

If's travel assistance (Ifs rejsehjælp) is available around the clock, anywhere in the world. If the insured becomes ill or injured, If can help find the best hospital in the area and arrange home transport to Denmark as soon as medically appropriate. International assistance and claims service can be provided directly at the holiday destination.