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.

Related content

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 transportationIncluded
4. Medical error1,000,000
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 summoning3 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 treatment80% / 15,000
11. 24-hour accident
- Death (children 25.000)
- Disability

0 - 2,000,000
0 - 2,000,000
12. Assault500,000
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 country50,000
15. Replacement of employee50,000
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 abroad100,000
19. Deposit / guarantee100,000
20. Contents insurance0 - 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 tripsUnlimited
31. Delayed sports equipment in connection with holiday trips3,000
32. Cancellation insurance (applies only to pure holiday trips)30,000 per person or 100,000 per family