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

If required, the coverage can be expanded to include Travel Life and Disability.

An example of coverage and sums:

Coverage
Basic Cover	Sum per person in DKK per year
2. Medical cover	1.500.000
3. Medical transportation	Reasonable expenses
4. Medical error	1.000.000
5. Escort of patient and escort’s travel	2 persons
6. Personal safety:
- Emergency counselling	Covered
- Evacuation	Covered
- Search and rescue	Covered
- Coverage in case of terrorist action	Covered
- Coverage in event of hostage-taking	Covered
- Coverage in event of detention in connection with war	Covered
Additional cover
7. Additional medical cover
- Vaccinations and health examinations	2.000
- Pregnancy examinations/ Childbirth	165.000
8. Optional medical transportation	30.000
9. Accommodation expenses in connection with out-patient treatment	1.200 per day
10. Dental treatment	80% / 15.000
11. 24-hour accident
- Disability	500.000
- Death	500.000
12. Additional accident cover
- Double payment	Covered
- Dental damage	Covered
13. Assault	500.000
14. Life assurance	500.000
- Illness-related disability	500.000
	Sum per family in DKK per year
15. Personal liability: - Personal injury	10.000.000
- Property damage	5.000.000
16. Legal assistance abroad	100.000
17. Deposit/guarantee	100.000
18. Curtailment	Reasonable expenses
19. Replacement of personnel	Reasonable exstra expenses
20. Contents	500.000
	Sum per family in DKK per travel
21. Travel cover
- Escort of patient and escort’s travel	Close family or 2 persons
- Curtailment	50.000
- Luggage	25.000
- Delayed luggage	3.000
- Flight delays	1.000
- Damage to a rented holiday home	25.000
- Missed departure	25.000

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 center, ensuring its preparation and fulfilment should the employee need help.

 

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