Expatriate
For expatriated employees and other persons living outside Denmark
This insurance covers employees who live outside Denmark.
To meet individual wishes and needs, the insurance is designed to make it possible to choose between different kinds of coverage. However, the coverage Illness and Repatriation is part of the basis coverage and must be chosen.
Review of the different coverages
The rationale of the Expatriate Travel Insurance is that expatriated employees should be working under the same conditions as the rest of the employees. In emergency situations they need the same help as if they were still in Denmark.
For that reason The Expatriate Insurance is designed to fulfil the typical coverage requirements for a family. The following types of coverage can be added to the insurance:
- Illness and repatriation
- Accident
- Personal liability
- Home contents insurance
- Travel Insurance
Price
The final price of your policy will depend on the chosen coverage and insurance amounts. Furthermore, the following factors will apply:
- The number of expatriated employees
- The countries of residence
- The age of the employees
- The health of the employees
- Contingency plan
Contingency plan
Most countries in the world have a reliable and well functioning health system. However, there are places where appropriate treatment is not available.
If employees are expatriated to such places, it is important that a contingency plan has been developed. The plan should be prepared in advance and state where the nearest suitable hospital is and the means of patient transportation in the case of an emergency. The contingency plan will be registered at the emergency centre, ensuring its preparation and fulfilment should the employee need help.
Relateret indhold
For expatriated employees and other persons living outside Denmark
This insurance covers employees who live outside Denmark.
To meet individual wishes and needs, the insurance is designed to make it possible to choose between different kinds of coverage. However, the coverage Illness and Repatriation is part of the basis coverage and must be chosen.
Review of the different coverages
The rationale of the Expatriate Travel Insurance is that expatriated employees should be working under the same conditions as the rest of the employees. In emergency situations they need the same help as if they were still in Denmark.
For that reason The Expatriate Insurance is designed to fulfil the typical coverage requirements for a family. The following types of coverage can be added to the insurance:
- Illness and repatriation
- Accident
- Personal liability
- Home contents insurance
- Travel Insurance
Price
The final price of your policy will depend on the chosen coverage and insurance amounts. Furthermore, the following factors will apply:
- The number of expatriated employees
- The countries of residence
- The age of the employees
- The health of the employees
- Contingency plan
Contingency plan
Most countries in the world have a reliable and well functioning health system. However, there are places where appropriate treatment is not available.
If employees are expatriated to such places, it is important that a contingency plan has been developed. The plan should be prepared in advance and state where the nearest suitable hospital is and the means of patient transportation in the case of an emergency. The contingency plan will be registered at the emergency centre, ensuring its preparation and fulfilment should the employee need help.
Coverage
Basis Cover | Sum per person in DKK per year |
|---|---|
| 2. Medical cover - Medical treatment/hospitalisation - Medical treatment/hospitalisation - Medical treatment/hospitalisation - Medical treatment/hospitalisation - 24 hour medical call assistance - Supply of screened blood - Acute dental treatment - Hospice - Home care - Technical aids | Chose between the following 4 sums: 1,000,000 1,500,000 2,500,000 Unlimited Included Unlimited 3,000 10,000 per day / max. 500,000 90 days per year Necessary initial expenses |
| 3. Medical transportation | Included |
| 4. Medical error | 1,000,000 |
| 5. Personal safety - Emergency counselling - Emergency counselling for relatives - Emergency counselling at home - Evacuation - Search and rescue - Coverage in case of terrorist action - Coverage in event of hostage-taking - Detention in connection with war - War risk | Unlimited Unlimited 10,000 Unlimited 100,000 Unlimited Unlimited 50,000 Until evacuation |
Additional coverages | Sum per person in DKK per year |
| 6. Escort of patient and summoning | 3 persons |
| 7. Child birth and pregnancy examinations | (Only when signing more than 5 policies) 165,000 |
| 8. Health examinations - Glasses and contact lenses | 2,000 80% / 1,000 |
| 9. Optional medical transportation - Accommodation expenses | Reasonable and necessary expenses 1,200 per day |
| 10. Dental treatment | 80% / 15,000 |
| 11. 24-hour accident - Death (children 25.000) - Disability | 0 - 2,000,000 0 - 2,000,000 |
| 12. Assault | 500,000 |
| 13. Additional 24-hour accident - Double payment from 5% permanent injury - Loss of earning capacity - Dental damage - Mastication damage | Included Included Reasonable and necessary expenses 10,000 |
| 14. Recall to home country | 50,000 |
| 15. Replacement of employee | 50,000 |
| 16. Travel life assurance - Travel life assurance - Illness related disability - Tropical and eye disease | 0 - 1,000,000 0 - 1,000,000 Included |
Insurage coverage | Sum per person in DKK per year |
| 17. Personal liability - Personal injury - Property damage | 10,000,000 5,000,000 |
| 18. Legal assistance abroad | 100,000 |
| 19. Deposit / guarantee | 100,000 |
| 20. Contents insurance | 0 - 1,000,000 |
Insurage coverage | Sum per person in DKK per year |
| - Travel cover 21. Catching up scheduled travel itinary 22. Escort of patient and summoning 23. Recall to the country of residence 24. Luggage 25. Delayed luggage 26. Flight delay 27. Damage to a rented holiday home 28. Late arrival 29. Excess when renting motor vehicles | Additional expenses 2 persons Reasonable expenses 25,000 Total 5,000 1,000 per day / max. 3,000 25,000 Reasonable additional expenses Included |
Additional cover on holiday trips | |
| 30. Holiday compensation in connection with holiday trips | Unlimited |
| 31. Delayed sports equipment in connection with holiday trips | 3,000 |
| 32. Cancellation insurance (applies only to pure holiday trips) | 30,000 per person or 100,000 per family |