Jyske Forsikring (insurance provided by Købstædernes Forsikring, Gensidig, in cooperation with Jyske Bank A/S)
Jyske Forsikring
Jyske Forsikring is a travel insurance for the Denmark market with online purchase and 24/7 assistance.
Direct payment
Costs must be pre-approved by Jyske Forsikring or the Falck Global Assistance alarm centre before they are covered; claims are settled against submitted documentation rather than guaranteed as direct payment to treatment providers.
Geographic scope
Worldwide or Europe-only, depending on the coverage area chosen on the policy, for trips of up to 30, 60 or 90 days
Excludes the North Pole, South Pole and Antarctica, areas the Danish Foreign Ministry or Statens Serum Institut advises against travelling to, and war/civil-unrest zones (with a 30-day grace period if the conflict starts after entry); Denmark-only cover is limited to acute crisis help, vehicle repatriation and homecoming.
Unique selling points
- Buying and calculating the price online gives an automatic 10% discount compared with other purchase channels.
- Flexible cover of up to 30, 60 or 90 days per trip, selectable for Europe only or the whole world within a single annual policy.
- Covers medical malpractice abroad up to DKK 500,000, a benefit not typically found in standard travel insurance policies.
- 24/7 emergency assistance is coordinated through the dedicated Falck Global Assistance alarm centre.
- Cover extends beyond the immediate family to up to two additional household members, such as au pairs, exchange students or housemates.
Coverage limits
Medical expenses
Covered
Covers reasonable and necessary costs for doctor treatment and hospitalization during acute illness or injury on the trip, plus emergency dental treatment up to DKK 10,000 per person and physiotherapy/chiropractor treatment up to DKK 10,000 per person; no aggregate ceiling is stated for the core medical treatment itself.
Emergency medical treatment
Covered
Reasonable and necessary costs of treatment by an authorised doctor and doctor-prescribed medicine during acute illness or injury while travelling; no stated sum limit.
Hospitalization
Covered
Covers doctor-ordered hospital stay and treatment abroad, plus reasonable extra hotel and meal costs from discharge until return home, transport, or resumption of the planned itinerary; no stated sum limit.
Outpatient treatment (physiotherapy/chiropractor)
DKK 10,000
Physiotherapy and chiropractor treatment abroad, up to DKK 10,000 per person.
Emergency dental treatment
DKK 10,000
Acute pain-relieving dental treatment by an authorised dentist abroad, up to DKK 10,000 per person.
Medical transport
Covered
Reasonable and necessary costs for ambulance/medical transport to and from the treatment site and transport home to Denmark; associated local transport, lodging and meals for accompanying benefits are capped at DKK 1,500 per person per day depending on the specific benefit.
Medical evacuation / involuntary stay
DKK 96,000
Extra costs for evacuation and involuntary stay (transport, lodging, meals) for up to 3 months are capped at DKK 96,000 in total; this cap applies to the enforced-stay extra costs, while the emergency transport itself is covered as reasonable and necessary without a separately stated ceiling. Lost/damaged baggage during evacuation is covered up to DKK 30,000 per person.
Repatriation of remains
Covered
Repatriation of remains to Denmark including legally required arrangements; if the family chooses burial or cremation at the location instead, costs are covered up to what repatriation would have cost.
Search and rescue
DKK 100,000
Reasonable and necessary search and rescue costs up to DKK 100,000 per person, capped at DKK 500,000 in total; requires the insured to have been missing more than 24 hours, the incident reported to local police, and rescue coordinated within a 50 km radius of the last known location.
COVID-19 treatment
No limit stated
Not addressed as a distinct benefit in the current APR-2410 terms; general epidemic exclusions apply only to entering an area with a declared epidemic, not to treatment of the illness itself.
Pre-existing conditions
Conditional
Chronic or pre-existing conditions are covered only if a medical pre-approval was obtained before departure, valid for that specific trip only; without pre-approval, related claims may be limited or excluded entirely.
Winter sports cover
Optional
Skiing/snowboarding and other active-holiday sports are covered only if the paid 'Aktiv ferie' add-on has been purchased before departure; extreme sports remain excluded even with this add-on.
Adventure/extreme sports cover
Excluded
Extreme sports such as paragliding, base jumping, free-diving, ultra-running, MMA and mountaineering/expeditions are excluded from all cover, even under the Aktiv ferie add-on.
Pregnancy complications
Covered
Childbirth occurring up to 4 weeks before the expected due date is covered as part of illness/injury treatment abroad; cancellation due to pregnancy-related travel unsuitability is separately covered under the optional Afbestilling add-on.
Personal liability
No limit stated
Not included in the Årsrejseforsikring; the base cover ('grunddækninger') list contains no third-party liability benefit, as this is typically carried on the policyholder's separate contents/liability insurance.
Legal assistance / bail bond
DKK 250,000
Covers up to DKK 250,000 per legal dispute, including lawyer costs, claims raised against the insured by local authorities, and payment to secure release if detained; the bail itself is an interest-free loan that must be repaid once released by the authorities.
24/7 assistance
Covered
24/7 emergency assistance is provided via the Falck Global Assistance alarm centre (+45 33 45 75 85), which coordinates acute help, treatment approvals and evacuation logistics.
Key conditions
Assistance call deadline
Contact the Falck Global Assistance alarm centre or Jyske Forsikring as soon as possible after a claim event; costs must be approved by the insurer to be covered, though no fixed number of hours is stated in the terms.
Unauthorized treatment
Costs are not covered if the insured fails to follow instructions from the treating doctor or the insurer's doctor, e.g. continuing treatment after being told to travel home, or using a treatment site not referred by the insurer for medical-malpractice claims.
Purchase while abroad
The policy must be in force and paid for before departure from the private home address in Denmark; it is not possible to take out or activate cover while already abroad.
Chronic conditions
A chronic disease or existing condition requires a medical pre-approval if there has been hospitalisation, changed medication, referral, or missed check-ups within 2 months before departure; the outcome can be full cover, partial cover excluding the chronic condition, or no cover for the trip at all.
Pregnancy
Childbirth occurring up to 4 weeks before the expected due date is covered under illness/injury treatment; cancellation due to pregnancy-related travel unsuitability is covered under the optional Afbestilling add-on, provided the condition arose after the trip was paid for.
Pre-existing condition exclusions
Cover applies to acute illness and injury; pre-existing chronic conditions are covered only after a medical pre-approval specific to that trip, obtained before departure for Årsrejse or before paying the trip deposit for Afbestilling.
Coverage duration limit
The policy covers trips for the number of days selected on the policy (options include up to 30, 60 or 90 days); cover is automatically extended if return is delayed beyond the covered period due to a claim covered by the policy.
Policy specifics
Medical pre-approval requirement
For pre-existing chronic conditions or medical changes within 2 months of departure, medical pre-approval from physician is required for coverage
SourceSource no longer reachableTrip duration limit
Annual travel insurance covers individual trips of up to 30, 60, or 90 days (depending on selected option), with optional extension available
SourceSource no longer reachableGeographic coverage options
Coverage available for Europe only or worldwide trips, covering private holidays and study trips
SourceSource no longer reachableAcute onset requirement
Coverage only applies to acute illnesses and injuries that occur during the trip, not pre-existing conditions
SourceSource no longer reachableCancellation waiting period
Cancellation coverage does not apply if purchased within 14 days of trip departure
SourceSource no longer reachableDanish residency requirement
Coverage requires insuree to be resident in Denmark with private home address
SourceSource no longer reachableSources
- https://www.jyske.dk/beregn-pris/arsrejse/Source no longer reachable
- https://www.jyske.dk/service/sporgsmal-til-forsikringer/sporgsmal-om-rejseforsikring/Source no longer reachable