Sygeforsikringen "danmark" Travel insurance (Rejse)
Underwritten by Gouda Rejseforsikring · Denmark
travel insurance from Sygeforsikringen "danmark" for the Denmark market, with 24/7 assistance.
Verified Sep 1, 2026 · Terms dated 2026-01-01Sources
Key facts
- Personal liability up to DKK 5,000,000 – DKK 10,000,000
- Sygeforsikringen "danmark"
Unique selling points
Unlimited coverage for medical expenses arising from acute illness or injury abroad, including hospitalization, medically prescribed treatment and medicine.
24/7 dedicated emergency hotline (Gouda Alarm) providing on-the-spot assistance and repatriation decisions at any time, any day.
High personal liability limits of up to DKK 10 million for personal injury and DKK 5 million for property damage caused abroad.
Flexible choice between three geographic coverage tiers (Europe, EuropaPlus, Worldwide) under a single annual policy.
Fixed no-documentation compensation for accommodation and meals during delays and repatriation events, paid without needing receipts.
Coverage limits
Medical expenses (illness and injury)
unlimited
Treatment for acute illness and injury during the trip is covered without an upper limit under all three coverage tiers (Rejse Europa, Rejse EuropaPlus, Rejse Verden).
Section: Dækningsoversigt
Sygdom og tilskadekomst Ubegrænset Ubegrænset Ubegrænset
Emergency medical treatment
unlimited
Acute, medically necessary treatment abroad is covered without limit; treatment of a pre-existing chronic condition is only covered if the need could not be foreseen before departure from Denmark.
Section: 3. Sygdom og tilskadekomst > 3.1. Hvad er dækket?
Behandling af akut sygdom og tilskadekomst.
Hospitalization
unlimited
Hospital treatment and medically prescribed hospital stays abroad are covered without limit, including hotel, meals and local transport after discharge until return home or repatriation is possible.
Section: 3. Sygdom og tilskadekomst > 3.3. Hvad erstattes?
Behandling og lægeordineret ophold på hospital.
Outpatient treatment
unlimited
Doctor consultations and ambulance/taxi transport to and from the treatment location are covered without limit; treatment by a physiotherapist or chiropractor is capped at DKK 15,000 per insured.
Section: 3. Sygdom og tilskadekomst > 3.3. Hvad erstattes?
Behandling hos fysioterapeut, kiropraktor eller lignende behandling – med maks. 15.000 kr.
Emergency dental treatment
DKK 15K
Acute and urgent dental treatment abroad is covered up to DKK 15,000 per insured, identical across all three coverage tiers.
Section: 3. Sygdom og tilskadekomst > 3.3. Hvad erstattes?
Akut og uopsættelig tandbehandling – med maks. 15.000 kr.
Medical transport
unlimited
Ambulance and medical transport to and from the treatment location abroad is covered without an upper limit.
Section: 3. Sygdom og tilskadekomst > 3.3. Hvad erstattes?
Ambulance-/sygetransport til og fra behandlingssted.
Medical evacuation
unlimited
Evacuation due to natural disaster, epidemic, war, civil unrest, terror, revolution or similar situations, including transport to the nearest safe destination, is covered without an upper limit.
Section: 8. Evakuering > 8.1. Hvad er dækket?
Evakuering pga. naturkatastrofe, epidemi, krig, borgerlige uroligheder, borgerkrig, terror, militære undtagelsestilstande, revolution eller anden lignende tilstand
Repatriation of remains
unlimited
Repatriation of a deceased insured person to Denmark, or costs of burial/cremation at the location up to the equivalent value of repatriation, is covered without an upper limit.
Section: 5. Hjemtransport > 5.3. Hvad erstattes
Ved dødsfald dækker vi ligeledes udgifter til lovbefalede foranstaltninger, f.eks. balsamering, zinkkiste, udgifter til kremering og/eller begravelse på stedet efter de pårørendes ønske.
Search and rescue
DKK 100K
Reasonable and necessary search and rescue costs when the insured is reported missing are covered up to DKK 100,000 per insured, with a combined maximum of DKK 500,000 if several insured persons are involved.
Section: 21. Eftersøgning og redning > 21.3. Hvad erstattes?
Rimelige og nødvendige udgifter med maks. 100.000 kr. pr. sikret, der erstattes dog maks. 500.000 kr. ved flere sikrede.
Pre-existing conditions
Conditional
Acute and necessary treatment of a chronic condition is only covered if the need could not be foreseen before departure from Denmark; treatment is excluded if the chronic condition led to hospitalization, treatment beyond routine check-ups, or changed medication within 2 months (6 months for trips over 1 month) before departure.
Section: 3. Sygdom og tilskadekomst > 3.2. Hvad er ikke dækket?
Behandling af kroniske lidelser, som inden for de sidste 2 måneder (6 måneder for rejser over 1 måned) forud for afrejsen har medført hospitalsindlæggelse, behandling hos læge ud over almindelige kontrolbesøg eller ændret medicinering.
Adventure / expedition sports cover
Excluded
Participation in expeditions, mountaineering and trekking in Antarctica or the North Pole, and motor racing (except go-karting on a closed track) are explicitly excluded from cover.
Section: 2. Rejse > 2.5 Forsikringen dækker ikke
Deltagelse i ekspeditioner, bjergbestigning og trekking i Antarktis og på Nordpolen.
Pregnancy complications / childbirth
unlimited
Childbirth and treatment of a prematurely born child up to 1 month before the expected due date are covered under the general unlimited medical cover.
Section: 3. Sygdom og tilskadekomst > 3.1. Hvad er dækket?
Fødsel og behandling af for tidligt født barn i indtil 1 måned før forventet fødselstidspunkt.
Personal liability
DKK 5M – DKK 10M
Legal liability for personal injury caused to third parties is covered up to DKK 10,000,000 per event; liability for property damage is covered up to DKK 5,000,000 per event.
Section: 17. Privatansvar > 17.3. Hvad erstattes?
Personskade med maks. 10 mio. kr. pr. forsikringsbegivenhed.
Legal assistance
DKK 225K
Legal fees and travel expenses for a private dispute arising abroad are covered up to DKK 225,000 per dispute, subject to a deductible of 10% (minimum DKK 2,500).
Section: 18. Retshjælp > 18.3. Hvad erstattes?
Udgifter til advokat og rejse med maks. 225.000 kr. pr. tvist.
24/7 emergency assistance
Covered
Gouda Alarm can be contacted at any time of day, any day of the week, for immediate help with serious illness, injury, repatriation assessment or other major/serious claims (+45 33 15 60 60 / [email protected]).
Section: Ved brug for øjeblikkelig hjælp
kan du, uanset tidspunktet og uanset ugedag, kontakte Gouda Alarm på tlf. + 45 33 15 60 60 eller [email protected].
Key conditions
Assistance call deadline
No fixed call-in deadline is stated, but Gouda Alarm must be contacted for immediate assistance in cases of serious illness, injury, or when repatriation needs to be assessed; available 24/7 on +45 33 15 60 60.
Unauthorized treatment
Extra costs resulting from the insured refusing or not following instructions from the treating doctor or the insurer's doctor, including refusing an approved repatriation, are not covered.
Purchase while abroad
The base annual medical travel cover is not described as being purchasable while the insured is already abroad; a separate 3-day deferral period applies only to the optional Afbestilling (cancellation) add-on when purchased after paying a deposit for the trip.
Chronic conditions
Treatment of chronic conditions is excluded if, within 2 months (6 months for trips over 1 month) before departure, the condition required hospitalization, treatment beyond routine check-ups, or a change in medication.
Pregnancy
Childbirth and treatment of a premature baby up to 1 month before the expected due date are covered; no separate pregnancy exclusions beyond the general terms are stated.
Pre-existing condition exclusions
Pre-existing/chronic conditions are covered only for acute, necessary treatment that could not be foreseen before departure; treatment for conditions with a known care need before departure is excluded.
Coverage duration limit
Each private trip is covered for up to 1 month (Rejse Europa and EuropaPlus) or 2 months (Rejse Verden); if a trip lasts longer, cover ends when the period expires unless a separate extension is purchased.
SourceClause 2.2Page 3Section: 2. Rejse > 2.2 Hvilke rejsetyper er omfattet?
Forsikringen omfatter private rejser af op til 1 måneds varighed for Rejse Europa og Rejse EuropaPlus og 2 måneders varighed for Rejse Verden.
Direct payment
Gouda provides on-the-spot assistance and claims handling directly during the trip so that a claim can be fully or partially settled while travelling, based on the immediate individual need for financial help; final settlement of the claim takes place after the insured returns home.
Territorial scope
Rejse Europa/EuropaPlus cover a defined list of European and neighbouring countries excluding overseas territories; Rejse Verden covers travel worldwide. Trips in Denmark are only covered for a limited set of benefits (e.g. hjemkaldelse, erstatningsrejse, damage to rented holiday accommodation).
Documents
Terms and Conditions - Årsrejseforsikring (DK 1005), effective 1 January 2026 (opens in a new tab)
Terms & conditions · PDF
Coverage overview table (Dækningsoversigt) (opens in a new tab)
Table of benefits · PDF
IPID - Rejse Verden (opens in a new tab)
Product information sheet · PDF
Rejse Verden product page (opens in a new tab)
Other document · PDF
Policy specifics
Flight delay compensation
Compensation for flights delayed more than 5 hours
SourceClause 9.3.1Page 10Section: 9. Forsinket ankomst > 9.3. Hvad erstattes?
Der udbetales et fast kompensationsbeløb på 200 kr. pr. sikret pr. skade. Overstiger forsinkelsen 12 timer, udgør kompensationsbeløbet 700 kr. pr. sikret pr. skade.
Trip cancellation (Afbestilling Verden)
Optional coverage that reimburses trip price if journey must be cancelled
SourceSection: Rejse Verden > Vælg tillægsforsikringer
Afbestilling Verden erstatter din rejses pris, hvis rejsen må aflyses.
Travel baggage (Rejsebagage/Udvidet Rejse)
Optional baggage coverage as extended travel option
SourceSection: Rejse Verden > Vælg tillægsforsikringer
Rejsebagage (Udvidet Rejse) dækker bagage.
Medical necessity requirement
Coverage only for medically necessary treatment
SourcePage 1Section: Er der nogen begrænsninger af dækningen?
Vi dækker kun berettiget medicinsk nødvendig behandling.
Pre-authorization for hospitalization
Gouda Alarm must be contacted for serious illness, injury, hospitalisation or repatriation assessment.
SourcePage 1Section: Ved brug for øjeblikkelig hjælp
Hvis du har brug for øjeblikkelig hjælp ved alvorlig sygdom, alvorlig tilskadekomst, ved vurdering af hjemtransport og ved anden alvorlig/større skade, kan du, uanset tidspunktet og uanset ugedag, kontakte Gouda Alarm på tlf. + 45 33 15 60 60 eller [email protected].
3-day deferral period for cancellation add-on
The optional cancellation cover (Afbestilling) must be in force when the deposit for the trip is paid; otherwise a 3-day deferral period applies from the date of purchase.
SourceClause 23.4.2Page 26Section: 23. Afbestilling (Tilvalgsdækning) > 23.4 Hvad er ikke dækket?
Afbestillingsdækningen skal være i kraft ved betaling af depositum på rejsen, alternativt gælder en karensperiode på 3 dage fra købstidspunktet.
Sources
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/IPID%20Verden.pdf#page=2(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=12(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=13(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=21(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=22(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=25(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=29(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=3(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=33(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=4(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=6(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=7(opens in a new tab)
- sygeforsikring.dkhttps://www.sygeforsikring.dk/files/media/pdf/forsikringsbetingelser-gouda-arsrejseforsikring---gaeldende-fra-1.-januar-2026.pdf#page=9(opens in a new tab)
Sygeforsikringen "danmark" Travel insurance