Sygeforsikringen "danmark", G/S
Sygeforsikringen "danmark"
Sygeforsikringen "danmark" is a travel insurance for the Denmark market with no online purchase and 24/7 assistance.
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.
Geographic scope
Europe (Rejse Europa), Europe Plus - Europe plus parts of the Mediterranean/Middle East/Eastern Europe (Rejse EuropaPlus), or Worldwide (Rejse Verden), depending on the selected tier
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).
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).
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.
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.
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.
Emergency dental treatment
DKK 15,000
Acute and urgent dental treatment abroad is covered up to DKK 15,000 per insured, identical across all three coverage tiers.
Medical transport
unlimited
Ambulance and medical transport to and from the treatment location abroad is covered without an upper limit.
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.
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.
Search and rescue
DKK 100,000
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.
COVID-19 treatment
No limit stated
No dedicated COVID-19 clause is stated in the reviewed terms; acute illness treatment generally falls under the general unlimited sickness cover, but no specific provision was found.
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.
Winter sports cover
No limit stated
No dedicated winter sports provision or exclusion is stated; ski-related accidents would generally fall under the standard accident and medical cover, but no specific clause was found in the reviewed sources.
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.
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.
Personal liability
DKK 5,000,000 – DKK 10,000,000
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.
Legal assistance
DKK 225,000
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).
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 / assistance@gouda.dk).
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
Cover applies to private trips of up to 1 month for Rejse Europa and Rejse EuropaPlus, and up to 2 months for Rejse Verden per policy year; cover ends when this period expires unless a separate extension is purchased.
Policy specifics
Trip cancellation (Afbestilling Verden)
Optional coverage that reimburses trip price if journey must be cancelled
SourcePre-authorization for hospitalization
Bupa Global Assistance approval required for hospitalization, evacuation, repatriation and similar major medical care
SourceMedical declaration for age 80+
Persons aged 80+ at departure must provide medical information before each trip
Source3-day deferral for post-departure purchase
If insurance purchased after departure, there is a 3-day waiting period (karensperiode)
Source