Storstrøm Forsikring g/s

Unlimited sum insured for reasonable and necessary costs abroad due to acute illness or injury, including death and repatriation, subject to listed exclusions (e.g. chronic conditions without pre-approval).

Covers treatment by a doctor authorised in the country visited and doctor-prescribed medicine, with unlimited sum insured subject to policy exclusions.

Doctor-prescribed hospital stay and treatment in a two-bed room is covered with an unlimited sum insured, unless another arrangement has been agreed with the insurer's doctor.

Outpatient doctor consultations and prescribed medicine abroad are covered under the same unlimited sum insured as the general illness/injury cover.

Necessary acute pain-relieving dental treatment abroad is covered up to 5,000 DKK per person (max 1,000 DKK for chewing-related damage); specialist treatment (e.g. crown/root canal) requires pre-approval. Doctor-prescribed physiotherapy/chiropractic treatment is covered up to 5 treatments and max 5,000 DKK in total.

Ambulance transport from the site of illness/accident to the treatment site, and onward sick transport to the nearest suitable treatment facility, are covered under the unlimited sum insured.

Transport home to Denmark by regular transport, ambulance or ambulance aircraft is covered with an unlimited sum insured; the insurer chooses the mode of transport and arranges the repatriation.

Transport to Denmark in the event of death is covered under the unlimited sum insured for illness/injury and death.

Covers necessary costs of searching for the insured (up to 14 days, within 50 km of the last known location) and rescue/pick-up once located, after being reported missing to police for at least 24 hours. Maximum 100,000 DKK per insured person, maximum 300,000 DKK per event; a 10% deductible applies (minimum 2,500 DKK).

No specific mention of COVID-19 treatment coverage was found in the reviewed policy documents.

Optional add-on providing unlimited economic compensation (trip price per day) for ruined holiday days if the insured is hospitalised, repatriated, recalled home, or becomes acutely ill/injured and cannot pursue the trip's main purpose. Also refunds pre-paid, non-refundable planned activities/rented equipment (max 2,000 DKK) and rental of replacement sports equipment for delayed baggage (max 1,000 DKK/day, total max 3,000 DKK).

Training or participation in listed dangerous sports (e.g. motor/ATV racing, boxing/martial arts, bungee jumping, mountain climbing, parachuting, hang-gliding, paragliding, rafting, scuba diving) is covered as standard, under the same unlimited sum insured, without needing a separate add-on. Professional sport and expeditions remain excluded.

Treatment related to pregnancy and birth is covered up to one month before the expected due date; treatment of a baby born more than one month early is also covered under the unlimited sum insured.

Covers legal liability as a private person for damage to inventory/building parts of a rented holiday home, hotel room, tent or mobile home/caravan while in the insured's custody, up to 2,000,000 DKK per event. This is a limited liability cover for rented holiday accommodation, not a general third-party personal liability cover.

Provides an interest-free loan of up to 100,000 DKK to post security/bail to release the insured or their belongings from detention by local authorities. This is a bail-bond facility, not general legal expenses/legal aid cover.

The policy instructs the insured to report any claim situation immediately via storstrom.dk or by phone, but the reviewed documents do not explicitly state that the hotline operates 24/7.