Accident insurance

• Disbursement in the event of permanent medical disability.
• Treatment expenses after accidental injury.
• Disbursement in the event of death following an accident.

Accidental injury resulting from participating in high-risk activities is not covered.

This applies to the activities listed under what is not covered in the insurance terms.

The insurance does not cover injury caused by:

• Mental disorders and behavioural disorders
• Tooth damage as a result of eating
• Poisoning
• Fights or crimes

• Insurance claims that the insured caused or exacerbated through gross negligence or intent.
• Disease, infection and other special conditions.
• Medical treatment or use of medicines.
• Collaborative causes.

• Applies in the Nordic countries.
• Applies to stays outside the Nordic countries for up to 12 months.
• Applies to stays of more than 12 months outside the Nordic region when the insured person or their guardian:
  - works in the Foreign Service
  - is employed in a Norwegian company with operations abroad
  - is employed in a Norwegian-related organisation
  - is a student/au pair.

When purchasing insurance, you must provide accurate and complete answers to the company's questions. The insurance certificate specifies which information is used as a basis. If anything is incorrect, you must inform us immediately.

Security regulations are damage prevention and damage limitation measures you must take, and you will find these in the insurance certificate.

In the event of injury you must contact us as soon as possible.

If you do not comply with your obligations, the settlement payment may be reduced, fully or partly.