Thisted Forsikring A/S
Thisted Forsikring
Thisted Forsikring is a travel insurance for the Denmark market with no online purchase and 24/7 assistance.
Direct payment
Falck Global Assistance coordinates treatment directly with hospitals/doctors and can provide a payment guarantee to the hospital if necessary; some costs must be paid by the customer and are reimbursed afterwards upon submission of original documentation.
Geographic scope
Worldwide, including Denmark
Covered in Denmark and on trips worldwide
Unique selling points
- No deductible (excess) applies on travel insurance claims, unlike many competing policies.
- The entire household is covered, including children living away from home under 21 years of age if they live alone.
- 24-hour access to a Danish-speaking emergency doctor hotline anywhere in the world via Falck Global Assistance.
- Standard coverage of 60 days per trip can be extended to 90 or 120 days per trip.
- Unlimited insurance sum for acute illness treatment and medical repatriation, rather than a fixed cap.
Coverage limits
Medical expenses for acute illness or injury
unlimited
Covers reasonable and necessary expenses for acute illness or injury occurring during the trip, including doctor treatment, medicine, hospital stay in a semi-private room, and hospital-ordered treatment including operations. Insurance sum: unlimited.
Emergency medical treatment abroad
unlimited
Treatment by an authorized doctor in the country of treatment, ambulance transport from the site of illness/accident, and necessary phone calls to relatives during hospitalization are covered under the unlimited illness sum.
Hospitalization
unlimited
Covers hospital stay in a semi-private (two-bed) room and doctor-ordered hospital treatment including operations, within the unlimited illness insurance sum.
Outpatient treatment
unlimited
If Falck's doctor assesses that ambulatory (outpatient) treatment is possible instead of hospital admission, related costs, plus hotel stay and food up to DKK 1,500 per day while awaiting return travel, are covered.
Emergency dental treatment
DKK 3,000
Covers pain-relieving/pain-alleviating dental treatment abroad that cannot wait until return to Denmark, up to DKK 3,000.
Local medical transport
unlimited
Covers ambulance transport from the scene of illness/accident to the treatment site (ambulance flights require prior approval from Falck), and taxi transport to and from the treatment site up to DKK 1,000.
Medical repatriation/evacuation home
unlimited
Covers reasonable extra costs of transport home to residence/hospital in Denmark when Falck's doctor, after contact with the treating doctor, assesses that home transport is necessary and medically justified. Insurance sum: unlimited.
Repatriation of remains
unlimited
Covers costs of transport home to an undertaker/crematorium in Denmark in case of death, including statutory measures such as embalming and zinc coffin, or alternatively cremation/burial on site up to the cost of repatriation.
Search and rescue
DKK 100,000
Covers necessary expenses up to DKK 100,000 for search and/or rescue, provided the incident is reported to local authorities and Falck Global Assistance approves the companies conducting the search. Maximum payout per event across all insured is DKK 300,000, with a 10% deductible (minimum DKK 2,500) per claim.
COVID-19 treatment
No limit stated
Not explicitly addressed as a separate benefit in the reviewed sources; general epidemic-related evacuation and crisis psychological support are covered, but no specific COVID-19 treatment sum is stated.
Pre-existing/chronic conditions
Conditional
Excludes treatment of chronic or pre-existing illnesses that within the last two months before departure led to hospitalization, non-routine doctor evaluation, or changed medication; also excludes conditions under investigation or with a known treatment need before departure.
Adventure/extreme and professional sports cover
Excluded
Explicitly excludes claims arising from participation in scientific expeditions, practicing or training for professional sport, and mountaineering/mountain climbing.
Pregnancy complications and premature birth
unlimited
Covers birth, treatment of an unborn child, or a child born prematurely, up to four weeks before expected delivery date; costs are covered under the mother's travel insurance within the unlimited illness sum.
Personal liability
Excluded
Personal liability claims on trips are covered under the customer's FamiliePlus policy, not under this travel insurance, and must be reported directly to Thisted Forsikring A/S rather than Falck Global Assistance.
24-hour emergency assistance hotline
Covered
Access to Falck's 24-hour Danish medical hotline for serious illness while travelling; the alarm centre in Copenhagen is open 24 hours a day, 365 days a year, worldwide.
Key conditions
Assistance call deadline
Falck Global Assistance must generally be contacted as soon as possible; in case of hospitalization, contact is required at the latest within 24 hours (one day) of admission.
Unauthorized treatment
Costs incurred as a result of not following Falck's doctor's instructions are not covered.
Purchase while abroad
The travel insurance must be purchased and paid for before departure; it cannot be taken out or activated while already travelling.
Chronic conditions
Treatment of chronic or existing illnesses is excluded if, within the two months before departure, the condition led to hospitalization, non-routine doctor evaluation/treatment, or changed medication, or if the traveller avoided/refused treatment, was on a waiting list, or missed scheduled check-ups.
Pregnancy
Birth and treatment of an unborn or prematurely born child is covered under the mother's policy up to four weeks before the expected delivery date; provoked abortion is not covered.
Pre-existing condition exclusions
Pre-existing conditions are only covered if the illness has been stable for two months before departure; otherwise medical pre-approval from Falck Global Assistance is required, obtainable at the earliest two months before departure.
Coverage duration limit
Coverage applies to leisure and study trips of up to 60 days per trip worldwide as standard, with an optional extension to 90 or 120 days per trip.
Where to buy
Policy specifics
Acute medical treatment
Coverage for reasonable and necessary treatment expenses in case of acute illness and injury
SourceHome repatriation and transport
Coverage for emergency transport home in case of serious illness or death
SourceTrip cancellation coverage (optional add-on)
Optional cancellation insurance covering pre-paid trip costs up to DKK 50,000-110,000 depending on plan
SourceCrisis psychological assistance
Up to three psychologist sessions after return from crisis situations (catastrophe, terrorism, war, major accident)
SourceMaximum trip duration
Coverage extends to private holiday trips and study trips up to 60 days per trip worldwide
SourcePre-existing condition requirement
Coverage only if chronic illness has been stable for 2 months prior to departure; medical pre-approval required otherwise
SourceHousehold coverage scope
Coverage extends to entire household including step-children without folk registration and children under 21 living away from home (if living alone)
SourceClaims notification procedure
Claims must be reported directly to Falck Global Assistance via online form or phone +45 70 22 60 90; 24/7 availability
SourcePurchase deadline
Travel insurance must be purchased and paid for before departure date; coverage commences when leaving residence for travel
SourceAssistance provider
Falck Global Assistance operates the 24-hour alarm center and coordinates all assistance and claims
Source