Our 24/7 full-time accident insurance is often used as a door opener by our brokers and agencies because it catches the attention of potential customers. It includes cover that no other insurance company in Denmark is offering. Over the last 10 years we have insured over 35,000 persons, which has given our sales partners the opportunity to sell additional private insurance products.
The accident insurance covers you all year round, anywhere in the world, without any time limit. It is adapted to the level of activity of the modern family and adjusted to international conditions. There are no risk classes, i.e. everyone pays the same price – regardless of occupation. We can also offer coverage from 1% permanent disability, with only 2 risk classes, depending on whether the insured person has manual work or not.
A Improved permanent disability rating list
The permanent disability rating list of the Labour Market Insurance has been extended and adjusted to international conditions:
In case of loss or non-functioning of the body parts or sensory organs mentioned below, only this permanent disability rating list is applicable.
B Unique Selling Propositions
- No risk classes
- The permanent disability rating list has been improved significantly compared to the rating list of the Labour Market Insurance.
- Covers permanent disability from 1%
- Covers twisting injuries, injuries caused by increased effort and back injuries
- Covers most dangerous sports at no extra charge
- Covers motorcycling at no extra charge
- Covers infectious diseases
- Daily allowance in case of hospitalisation
C Accident – permanent disability from 5%
No risk classes – same price regardless of occupation
Progression 225%
incl. DKK 100,000 death cover
incl. administration fees and government taxes
| Cover | at 100% disability | Premium |
|---|---|---|
| 500.000 | DKK 1.250.000 | DKK 542,96 |
| 1.000.000 | DKK 2.250.000 | DKK 1.028,39 |
| 1.500.000 | DKK 3.375.000 | DKK 1.513,81 |
| 2.000.000 | DKK 4.500.000 | DKK 1.999.24 |
| 2.500.000 | DKK 5.625.000 | DKK 2.484,67 |
| 3.000.000 | DKK 6.750.000 | DKK 2.970,10 |
D Accident – permanent disability from 1%
Only 2 risk classes
Progression 225%
incl. DKK 100,000 death cover
incl. administration fees and government taxes
| Cover | at 100% disability | No (Premium manual work) | Yes (Premium manual work) |
|---|---|---|---|
| 500.000 | DKK 1.250.000 | DKK 693,21 | DKK 891,23 |
| 1.000.000 | DKK 2.250.000 | DKK 1.328,89 | DKK 1.700,28 |
| 1.500.000 | DKK 3.375.000 | DKK 1.964,57 | DKK 2.509,33 |
| 2.000.000 | DKK 4.500.000 | DKK 2.600,25 | DKK 3.318,37 |
| 2.500.000 | DKK 5.625.000 | DKK 3.235,93 | DKK 4.127,42 |
| 3.000.000 | DKK 6.750.000 | DKK 3.871,61 | DKK 4.936,46 |
E Children’s Accident
Progression 225%
incl. DKK 50,000 death cover
incl. administration fees and government taxes
| Cover | at 100% disability | Premium |
|---|---|---|
| 500.000 | DKK 1.250.000 | DKK 193,14 |
| 1.000.000 | DKK 2.250.000 | DKK 378,07 |
| 1.500.000 | DKK 3.375.000 | DKK 562,99 |
| 2.000.000 | DKK 4.500.000 | DKK 747,92 |
| 2.500.000 | DKK 5.625.000 | DKK 932,84 |
| 3.000.000 | DKK 6.750.000 | DKK 1.117,77 |
