INSURANCE

There are many different kinds of insurance in Denmark; some are required by law, while others are optional.

WORK RELATED

If you work in Denmark your employer is obligated to take out occupational injury insurance for you. You are therefore automatically covered by your employer’s insurance in the case of injury while on the job. Employer’s insurance, however, does not cover you during your leisure time.

HOME INSURANCE

All items in your home (whether apartment or house), including furniture, clothes, TV, etc., are covered if you purchase a home insurance policy. Bicycles, garden tools, and even items that you have borrowed or rented are covered by this type of insurance. Many insurance companies also provide the option to buy extended coverage if you have a large amount of electronic equipment or a particularly expensive bicycle. Items that are stolen or damaged by fire, water, or vandalism are also covered by home insurance. In addition, home insurance includes third-party liability insurance if you cause injury to another person or damage another person’s belongings.

HOUSE INSURANCE

If you purchase a mortgage to buy your home, the lending bank or credit institution will require your house to be insured against fire. Most homeowners, therefore, have house insurance that provides coverage against damage caused by fire, storms, or lightning. House insurance also covers liability for damages that occur if, for example, you fail to clear the snow off the pavement outside your house and someone falls and is injured.

Furthermore, house insurance covers fixtures within your house such as your oven, washer, and dryer. In addition, it covers breakage of hidden pipes and cables inside and under the house. Most insurance companies give you the option of choosing an extended cover for different types of water damage, vandalism in your garden, and/or functional defects in household appliances.

ACCIDENT INSURANCE

If you are in an accident, such as a vehicle collision, you are covered by accident insurance. At most insurance companies, your level of injury must be a minimum of 5% for you to be entitled to compensation. Some, but not all, companies also cover glasses and/or dental insurance.

In most case you can choose whether the insurance will provide 24-hour cover – including when you are at work – or only coverage during non-work time. However, if you are working in Denmark your employer is required to insure you while you are at work.

You can also choose whether your family should receive a onetime pay-out in the case of your death.

CAR OR MOTORCYCLE INSURANCE

You are required by law to have third-party liability insurance if you own a car or motorcycle. This covers you in cases of injury of other persons or damage to another person’s vehicle. Fully comprehensive insurance also covers damage to your own car as a result of a traffic accident, theft, vandalism, or fire.

LIABILITY INSURANCE

While you are required by law to have a liability insurance policy if you own a car, it is also possible to obtain a comprehensive insurance policy that covers damage to or theft of your car. If you bought your car with a loan, the insurance company will probably also require a more comprehensive insurance policy.

Liability insurance covers compensation that you as a private person or household family member may have in case of injury caused to other person or their property.

Contact an insurance company for more information on prices.

FAMILY INSURANCE

All insurance companies offer family insurances, which covers all family members living at the same address. A family insurance includes home insurance, liability insurance, and legal aid.

TRAVEL INSURANCE

Many people acquire travel insurance when they travel or study abroad. If you travel to an EU country, Norway, Iceland, Liechtenstein or Switzerland it is highly recommended you get the blue EU health insurance card. The blue EU health insurance card shows that you have the right to treatment on the same level as citizens of the country you are traveling in. You can read more about the blue EU health insurance card here (English option available).

If you are travelling outside these countries travel insurance is a good idea. Travel insurance covers expenses if you get sick while you are travelling and can also cover the expenses if you lose your luggage.

HEALTH INSURANCE

Health insurance covers expenses when using the private healthcare system in Denmark. Although the public healthcare system in Denmark (see the section on healthcare here) covers most health-related issues, it is possible to also pay for private health insurance. Private health insurance is often purchased by people who wish to have special treatments such as reflexology, dentistry, or physiotherapy. Private health insurance can be purchased through an insurance agency.

OTHER TYPES OF INSURANCE AND FURTHER INFORMATION

You are obliged by law to have third-party liability insurance if you have a dog. It may also be a good idea to obtain insurance if you have a holiday home, caravan, or other property that you want to protect.

Read more about insurance in Denmark by clicking here. Expat in Denmark also provides extensive information about insurance in Denmark here.

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