Lokal Forsikring Travel insurance (Aarsrejseforsikring Verden)

Covers reasonable and necessary costs abroad for up to 1 year for treatment by an authorised doctor and prescribed medicine, hospital stays and treatment, and treatment of a premature baby (born more than 4 weeks early). This is a combined ceiling shared with medical/repatriation transport (6.2): total compensation for §6.1 + §6.2 cannot exceed DKK 10,000,000.

Treatment for acute illness or injury occurring on the trip is included within the combined DKK 10,000,000 ceiling shared with §6.1/§6.2. Extra costs for food, lodging and local transport while awaiting medical transport are capped at DKK 1,300/day per person, max DKK 20,000 per person in total.

Prescribed hospital stays and treatment abroad are covered within the combined DKK 10,000,000 ceiling shared with §6.1/§6.2.

Doctor consultations and prescribed medicine are covered within the combined DKK 10,000,000 ceiling (§6.1). Physiotherapist/chiropractor treatment is separately capped at 5 treatments per insured person (§6.5).

Acute pain-relieving dental treatment that cannot wait until returning to Denmark is covered up to DKK 10,000 (2017 level) per insured person, subject to prior agreement with SOS International.

Ambulance transport from the scene, transport to the nearest suitable treatment location, and transport to Denmark (by ordinary transport, ambulance or air ambulance) are covered within the combined DKK 10,000,000 ceiling shared with §6.1. Extra costs for food, lodging and local transport pending transport are capped at DKK 1,300/day per person, max DKK 40,000 in total.

Air ambulance transport and other medical evacuation due to illness or injury is covered as part of the combined DKK 10,000,000 ceiling shared with medical treatment and other transport benefits (§6.1/§6.2); there is no separate sub-limit for medical evacuation.

Transport to Denmark in the event of death is covered within the combined DKK 10,000,000 ceiling shared with §6.1/§6.2.

Covers reasonable and necessary search-and-rescue costs, approved by SOS International, within a 50 km radius of the last known location, for up to 14 days. Capped at DKK 140,000 per person, with an overall maximum of DKK 400,000 per event for all insured combined. Excludes search related to kidnapping/hijacking and search north of the Arctic Circle, at the South Pole, or in areas requiring special local permits.

Not separately mentioned in the terms and conditions or IPID.

Chronic or existing illnesses are excluded by default unless the condition has been stable for 2 months before departure, or a medical pre-approval ('forhåndsgodkendelse') has been obtained from SOS International. Approval can be unconditional, granted with a clause excluding specific conditions, or refused.

Optional 'Skidækning' add-on extends cover for ruined holiday days abroad caused directly or indirectly by winter sports (ski, snowboard, sledging, etc.), including lift passes and equipment rental, up to DKK 150,000 per trip for the whole household. Without this add-on, ruined holiday days caused by winter sports are excluded.

Damage caused directly or indirectly by participation or training in mountaineering, expeditions, parachuting, professional sport, or flying as pilot/co-pilot is excluded.

Treatment of illness arising from pregnancy is covered within the combined DKK 10,000,000 ceiling (§6.1). Childbirth in the last 4 weeks before the expected due date is excluded, but treatment of a baby born more than 4 weeks premature is covered. A medical pre-assessment is recommended if the pregnancy is complicated.

Narrow-scope liability cover: liability for damage to the contents or fabric of a rented holiday home while in the insured's care is covered up to DKK 2,000,000 per event (not index-adjusted). General private liability (as opposed to this rented-accommodation liability) is covered under the policyholder's separate home contents insurance ('indboforsikring'), not under this travel policy.

Narrow-scope cover: bail ('kaution') and lawyer costs if the insured or their baggage is detained by local authorities abroad, up to DKK 125,000 per insured person; excludes business/work-related or contractual detentions, and criminal cases other than traffic offences. General legal aid ('retshjælp') is instead covered under the policyholder's home contents insurance, not this travel policy.

SOS International's alarm centre is available worldwide, 24 hours a day, 365 days a year, for reporting emergencies and coordinating medical assistance, hospital contact, and repatriation. Calls to/from SOS International in connection with a claim on the trip are covered by the policy.

Extra costs for returning home or to the nearest safe destination when the Danish Ministry of Foreign Affairs/Statens Serum Institut calls for evacuation are capped at DKK 125,000 per household. Extra costs for food/lodging when locally forced to evacuate or involuntarily detained are capped at DKK 90,000 per household. Loss or damage to baggage left behind during an evacuation is capped at DKK 20,000 per insured person.