Expatriate insurance for Danish companies

Protect your employees against the unexpected.

Employees and family
Cover for the employees and their family.
Private and business travel
Covers both private trips and business trips worldwide and can be adapted to your company's needs.
Access to alarm service
Provides access to our If Assistance alarm service.

Equally well insured abroad as at home

Our expatriate insurance can provide you with global solutions tailor-made for your employees and your particular needs - just as good as at home. It is designed for employees on assignment abroad and provides security through the comprehensive cover.

This cover can be extended to include accompanying family members.

The expatriate insurances includes

Expatriate insurance	Super	Standard
Covers reasonable and necessary expenses for medical treatment and hospitalisation as a result of acute illness during your trip.	Included	Included
Covers reasonable and necessary expenses for dental examination, dental treatment, teeth cleaning, dental filling, root canal treatment, tooth extraction, root posts, dental bridges, gold dental work, dental crowns, dentures and dental implants, orthodontic treatment, nightguard, periodontal treatment and dental protheses up to 10,000 DKK per insured per insurance year. The reason for the dental treatment must be medically substantiated and approved by If before the treatment is initiated.	Included	Included
Covers reasonable and necessary expenses for transportation to your residence or to another suitable health care provider and for recovery of your planned travel after treatment has ended.	Included	Included
Covers expenses for transport, lodging and food for up to 3 of your kin in case of you being hospitalised or being transported home.	Included	Included
Covers if you are subject to medical malpractice by an authorized medical doctor and this would have afforded you the right to compensation in Denmark according to the law of change, complaint and access to compensation in healthcare. The maximum pay-out amounts to 1,000,000 DKK.	Included	Included
Covers damages if you, in a personal capacity, becomes legally liable for injury to persons or objects according to the rules of out-of-contract compensation in place in the country, where the damage occurs. Damage done to persons is covered up to 10,000,000 DKK while damage done to objects is covered up to 5,000,000 DKK.	Included	Included
Covers reasonable and necessary legal and travel costs related to trials and arbitrations. In case of collateral an interest-free loan is provided to ensure release from the authorities. Coverage is provided up to 200,000 DKK.	Included	Included
Covers expenses to evacuation, food, and lodging in case of direct and immediate danger related to war, war-like conditions, civil or political unrest, terrorist attacks, natural catastrophes or deadly epidemics. If the same circumstances cause you to be detained, expenses related to lodging and domestic travel is covered up to 3 months.	Included	Included
Covers economic compensation for lost hours at work, health examinations as well as compensation for pain and suffering if you are assaulted by an unfamiliar person. Covers up to 500,000 DKK and the compensation is calculated based on Danish rules for out -of-contract compensation.	Included	Included
Covers reasonable and necessary additional expenses up to 100,000 DKK for your kin in case you are kidnapped. This includes crisis counselling, travel expenses to gather the family near the kidnapped person and compensation for lost hours of work.	Included	Included
Covers expenses to search and rescue attempts for up to 14 days and up to 250,000 DKK.	Included	Included
Covers expenses to food, hotel lodging, toiletry, clothing, newspapers and magazines when your plane is delayed for more than 4 hours. Coverage extends to 1,000 DKK/day for up to 5 days.	Included	Not included
Covers recovery of the original travel route if you have initiated your journey and you are undeservedly delayed for your mode of transportation. Hotel lodging is covered up to 1,500 DKK/day.	Included	Not included
Covers expenses for maximum economy class for summons home if you are travelling due to sudden and severe illness, injury, or death of a close relative, or if your home has burned, flooded or been burgled.	Included	Not included
Covers if you cannot proceed with the planned trip due to: - the death of a close relative - sudden illness or injury - burglary in your home/business/office - fraudulent acts in your own company - a non-contractual termination of employment in your own company - a witness, jury, or lay judge summons - an inability to receive the necessary vaccinations - a natural disaster or similar occurrence having struck the destination of your travel	Included	Not included
Covers reasonable and necessary expenses for medical consultation related to vaccinations and health examinations up to 2,000 DKK per person per insurance year. Common childhood vaccinations costs are compensated according to the current applicable recommendations from the Danish Health Authority or WHO.	Included	Not included
Covers reasonable and necessary expenses for glasses and contact lenses up to 1,000 DKK per person per insurance year.	Included	Not included
The insurance covers reasonable and necessary costs during the insurance period up to DKK 150,000.00 per birth for outpatient pregnancy examinations, birth, ambulance transport in connection with the birth, and examination and vaccination of the newborn baby while in hospital. The child is covered during the first month following a birth that was entitled to cover. The insurance covers reasonable and necessary costs up to 200,000 DKK for the treatment of injury during birth, hereditary illness, malformation, and illness arising in connection with childbirth. The cover only applies from the birth and up to the child’s first birthday.	Included
Covers theft, displacement, or damage of your personal belongings as well as those of your employer. An insurance premium may be elected individually.	Included	Not included
Covers expenses for vitally necessary medication as well as items of clothing and toiletry if your luggage is delayed for more than 3 hours compared to your arrival at your destination Insurance premiums may be elected individually.	Included	Not included

Optional cover for expatriate insurance

Accident

Covers death and permanent injuries because of accident on the trip. The compensation depends on the size of the permanent injury and the sum insured.

Illness

Covers death and permanent injury because of sudden illness on the trip in the host country and outside the host country. The compensation depends on the size of the permanent injury and the sum insured.

Household goods

The insurance provides cover at the insured's place of residence because of fire, explosions, and direct lightning strikes, including precipitation damage if there is also a storm damage to the building in which the insured objects are found, and rescue costs.

The insurance provides cover up to 50,000 DKK per claim for robbery or theft of items where the theft is discovered at the time, and of which cash is covered up to 2,000 DKK per claims.