Children's Accident Insurance
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Children's Accident Insurance
Accidents can happen at any time – both during school hours and in leisure time. With a children's accident insurance, you ensure that your child is covered around the clock if a sudden event leads to personal injury. The insurance applies regardless of whether the injury occurs at home, at school, on the sports field, or in a part-time job.
It can also help cover expenses for treatments such as physiotherapy or chiropractic care in connection with an injury. If you want extra security, you can choose additional coverage such as financial support in case of critical illness or insurance for dangerous sports if your child engages in a high-risk activity like motocross.
Benefits
Children’s accident insurance with good benefits
Coverage of treatment expenses
Financial support in case of illness and critical illness
Immediate compensation
Coverage
Coverage Overview
Disability compensation
If your child sustains a permanent disability of 5% or more after an accident, compensation will be paid based on the agreed insurance amount.
Example:
- A disability degree of 15% with an insurance amount of DKK 1 million results in compensation of DKK 150,000.
Funeral assistance
Dental injury
The insurance covers necessary dental expenses not covered by the public school dental care. Tooth injuries are also covered if treatment can only be carried out later, after the child turns 18.
Double compensation
Treatment expenses
Immediate compensation
If your child sustains an injury such as a bone fracture, complete Achilles tendon rupture, or cruciate ligament injury, an immediate compensation of DKK 15,000 can be paid quickly. This coverage applies regardless of whether the child later develops permanent disability.
Extended coverage
An extended children’s insurance provides greater security and includes:
- Death coverage: If the child dies after the age of 1, DKK 50,000 is paid out.
- Critical illness: If the child is diagnosed with a serious illness, DKK 100,000 can be paid out.
- Disability compensation for illness: If the child suffers a permanent disability due to illness, compensation can be paid for a disability degree of at least 5%.
Dangerous sport
Provides extra protection if the child participates in high-risk sports.
FAQ
Frequently Asked Questions
What does the children’s accident insurance cover?
It covers injuries that occur in everyday life – at home, at school, on the playground, during sports, and even during part-time jobs. With extended coverage, the child is also secured with financial support in case of critical illness.
How is the disability amount determined?
The insurance amount determines the size of the compensation your child can receive for permanent disability.
Example:
- An insurance amount of DKK 1 million means that a permanent disability of 20% results in compensation of DKK 200,000.
- Disability degrees over 30% trigger double compensation.
Does the insurance cover psychological help?
Which accidents are covered?
The insurance covers injuries from, for example:
- Falls and fractures
- Traffic accidents
- Burns
- Concussions
- Blows and other sudden injuries
Is the insurance valid worldwide?
Which treatment expenses are covered?
After a covered injury, the insurance can cover:
- Physiotherapy
- Chiropractic care
- Osteopathy
- Reflexology
- Acupuncture (after medical assessment)