Children’s insurance

• Selected illnesses
• Medical disability caused by an accident
• Unemployment benefit during hospitalisation
• Adaptation of home/technical aids
• Additional assistance allowance
• Treatment costs in the event of an accident
• Disbursement in the event of death
• Medical helpline

Ancillary benefits

• Disability lump sum
• Disability pension

Illness that manifested symptoms within three months of the policyholder's acceptance of the agreement are not covered. This limitation does not apply when moving equivalent cover from another company.

• Circumstances that the company has avoided when evaluating the health information. Any reservation will appear from the insurance certificate.
• Sum insured for the individual covers. These appear from the insurance certificate.
• Insurance claims that the insured caused or exacerbated through gross negligence or intent.

• The Nordic countries
• Stays outside the Nordic countries for up to 12 months.
• Stays outside the Nordic countries for more than 12 months when the insured party or their parent is:
  - Employed by the Foreign Service
  - Employed by a Norwegian company with operations abroad
  - Employed by an organisation with ties to Norway
  - 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.

The insurance can be bought for children between 2 months and 16 years of age, and expires when they turn 26. You can choose which type of cover you want to have. If you have disability coverage, it will continue as adult insurance after turning 26.

The policyholder receives any settlement payments if the child is under 18. After the age of 18, the child receives the settlement payment directly.

Health declaration

When you buy children’s insurance, it is a legal requirement to provide health information. You can do this by filling out a health declaration for your child, which you will receive from us.

The insurance does not apply to illnesses or conditions that have shown symptoms before three months have passed since you accepted the insurance agreement (so-called grace period).

The insurance can be bought for children between 2 months and 16 years of age, and expires when they turn 26.

Information will be sent to your child stating that the insurance will expire when they turn 26, as well as information about the right to continue the personal cover. Your child must then get in touch within 6 months to inform us that they would like to continue being insured, so we can send a new insurance offer.

If your child has incapacity for work cover, this becomes adult insurance when they turn 26.

The policyholder must fill out and sign the health declaration, but children who have turned 16 must also sign the insurance.

Accident insurance with us gives a one-off payment if the child is declared medically disabled after an accident. It also covers treatment costs that may arise as a result of the accident. Children’s insurance is more comprehensive.

Single payment permanent disability benefit cannot be paid before the child has turned 20 years old. The child must have been at least 50 per cent incapacitated for work for 2 consecutive years. Disability benefit cannot be paid before the child has turned 19 years old. The child must have been at least 50 per cent incapacitated for work for 12 consecutive months.

The basic amount, or “G” for the Norwegian term “Grunnbeløpet”, is the amount upon which all benefits in the National Insurance Scheme are based – i.e. that which constitutes Norway’s national insurance or social security system.

As of 1 May 2024, 1 G amounts to NOK 124 028.

The basic amount is also used to calculate disbursements related to private pension payments and insurance, such as children’s insurance, but also other personal insurance such as disability insurance, life insurance, critical illness insurance, treatment insurance and accident insurance.

You are temporarily insured while we process your health information. This means that you are covered for unforeseen events that are unrelated to your health at the time you sign the agreement.

When you buy children’s insurance, it is a legal requirement to provide health information. You do this by filling out a health declaration form for your child.

The insurance does not apply to illnesses or conditions that have shown symptoms before three months have passed since you accepted the insurance agreement (so-called grace period).