REMEMBER TRAVEL INSURANCE - FORGET THE WORRIES

It will be a pleasure to travel and there should be no worries in the way of experiences. It is therefore good to know that you have a safety net - a travel insurance from European. The insurance provides access to help 24 hours a day, and European help, if you are reported missing or come in need during your trip so you can come safely home to Denmark. Assistance from specially trained doctors and staff at our emergency centers in Copenhagen, and our Service Offices, located throughout the world.

WHY EUROPEAN? European Travel Insurance travel insurance is Denmark's largest insurance company. Our Alarm Central is open 24 hours a day, 365 days a year, and we have 11 service centers throughout the world with Scandinavian officers ready to help you if the accident had to happen. In European, you get fast and personal help in your own language - wherever you are in the world.

YOU WILL GET THIS IN THE EUROPEAN TRAVEL INSURANCE

• Personal advice on travel medicine, vaccinations and visas by our doctors and the MCC on phone 70 10 60 30

• A medical service is at your disposal 24 hours a day. • Our central alarm monitor your treatment if you are in hospital abroad. We work with 40,000 hospitals and 17,000 physicians worldwide.

• Ability to book online your insurance and declare an injury.

Valid for 1 year on all holidays
Each trip must last a maximum of 1 months

How are you covered? - See the coverage list


100% PROTECTION
With an annual Gouda travel insurance, you get 100% security when traveling on short or long holidays. Are you sick of your trip, sit competent staff on our emergency center ready to help you, and you have access to 24 hour medical service, where you can get guidance on medicines and medical treatment. Our doctors, nurses and psychologists crisis helps you around the clock if the accident.

Individual or household
You can choose from two coverage - individual or household. Selecting individual coverage, the insured that is covered by the annual travel insurance. If you choose coverage household, travel insurance covers the policyholder, his spouse / unmarried and dependent children regardless of their age. My traveling with children under 18 years are also covered, whether they are part of the household or not.

SICKNESS repatriating IF accident
Is the incident off, you're covered for medical repatriation to your Gouda Travel Insurance.

SHOULD YOU WORK OR STUDY IN THE JOURNEY?
The annual travel insurance cover you do not travel, where the objective is to work or study.
You are entirely covered in pure holidays.

COVERAGE
You can choose from 3 different geographic coverage areas on your Gouda Årsrejseforsikring: EU / EEA, Expanded Europe or world.

FULLY INSURED - ADJUSTMENT AFTER YOUR NEEDS
A tourist from Gouda is as full insurance. At the annual travel insurance have you raised for acquisitions coverage - depending on your needs.

You can acquisitions:
• Personal belongings

TRAVEL PERIOD
The annual travel insurance covers all the holidays in a year. However, the individual travel product than one month.

Journeys made by the EU / EEA
If you are on holiday in the EU and EEA countries in less than a month, medical care covered by the travel insurance. However, repatriation and transport to hospital are not covered. Will you be covered for repatriation, you must purchase travel insurance.

Traveling on vacation in the EU and EEA countries for longer than a month to cover the travel insurance only the first month. It is therefore essential that you have travel insurance.

Do you work or study in the EU and EEA countries, covering the travel insurance does not. This is true even if the work or study only included as part of a holiday.

FOR TRAVEL OUTSIDE THE EU and EEA countries
Traveling outside the EU and EEA countries regardless of duration, you are not covered by the travel insurance. Here you are extra depending on your travel insurance, whether it applies to a single doctor or a complex operation.

What does PUBLIC travel insurance?
1 January 2008 new rules came into effect on public travel insurance. You should be aware that you choose the correct geographical coverage for your trip.

Yellow cards cover acute illness / injury and hospitalization, but not repatriation. We have of course taken into account, with a Gouda travel insurance, you are guaranteed repatriation from your holiday destination.

The geographical coverage of the yellow cards are limited to EU and EEA countries. The yellow health card covers in the following countries:
Andorra, Azores, Belgium, Bulgaria, Cyprus, Estonia, Finland, France, Faeroe Islands, Gibraltar, Greece, Greenland, Isle of Man, Ireland, Iceland, Italy, the Channel Islands, Canary Islands, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta , Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Czech Republic, Germany, Hungary, Vatican, and Austria.

In countries as per. 1. January 2008 is not covered, the entire public coverage that has lapsed. There is no coverage for sickness or repatriation of these countries. This applies to the following countries:
Albania, Algeria, Bosnia-Herzegovina, Egypt, Gaza, Belarus, Israel, Jordan, Yugoslavia (Serbia and Montenegro), Croatia, Lebanon, Libya, Macedonia, Moldova, Morocco, Palestine, Russia (till Ural), Syria, Tunisia, Turkey , Ukraine and the West Bank.

Here we recommend that you purchase travel insurance with coverage "Expanded Europe".

THE BLUE EU HEALTH CARD
With the blue EU health card, you have access to medical and dental care and treatment in public hospitals in all EU and EEA countries. Treatment will typically require a charge that you must put out, but can be refunded after the return. You are NOT covered for repatriation and transport to the hospital with the blue card - so it is important that you insure you a travel insurance.

ARE YOU 70th YEAR ON DEPARTURE TIME?
If you travel outside the EU / EEA, it is a condition of coverage that you have been approved a health declaration. You must fill out a health declaration and submit it to Gouda. Your insurance is only valid when it is approved by Gouda. Traveling several times a year, you should be aware that you must seek prior approval every time you travel.

Do you have a chronic or existing illness?
Do you have a chronic or existing illness / disease that is not stable, it may be appropriate to seek approval to clarify whether you will be covered for illness or the consequences of that.

If you do not seek, any case be settled according to the prevailing conditions. This may mean you may not be covered for illness or the consequences of suffering.

Travel within the EU / EEA countries of less than 1 month
If you go on holiday in the EU / EEA countries in less than a month, you must not seek approval from Gouda. In this situation it is the travel insurance you should look at. When you are covered / approved that the public travel insurance will be no need for approval from Gouda Travel Insurance.

Travel outside the EU / EEA countries and travel in the EU / EEA countries in more than 1 month or EU / EEA where you have to work or study
You can seek approval from Gouda Travel insurance if you travel outside the EU / EEA countries, if you travel in the EU / EEA countries in more than 1 month or if you have to work or study in an EU / EEA country.

Read more about how to seek prior approval below.

Questions you should ask yourself BEFORE you seek prior approval:

Have you within the last 2 months up to departure (6 months of travel over a month)

1. Been hospitalized?
2. Been outside the general medical supervision?
3. Been prescribed a change in your medicine? (For example, the second dosage, termination or commencement medicine)
4. Or have you written up for referral to or on waiting lists for assessment / treatment?

Can you answer yes to any of the above questions, you should seek prior approval. If your existing or chronic illness has not led to answer yes to any of the above questions, you need not seek prior approval.

When you apply for prior approval, you will receive a written response, which may be:

1. An unconditional approval
2. A conditional approval, subject (except for coverage for certain conditions)
3. A refusal.

This means that a distinction between a full recovery without reservation, a cover subject for your chronic condition, or that we can not meet you. In some cases we need additional information and you will receive a letter from us on this.

Download the form for application for prior approval. It costs 200 kroner to handle an application for approval, but 300 kroner at emergency treatment. You can usually expect a reply within 5 working days from we receive your application and payment.

COVERAGE SUMMARY
With your annual travel insurance you can travel safely around the world. How are you covered if the accident:
INSURANCE COVERAGE OF SUMMER
A SICK and repatriation
Medical treatment / hospitalization

Unlimited
B repatriating Unlimited
C HELP AT LOCAL LEVEL - 24 HOUR medical help
Medical 24/7 Day or night
D dental care and
PHYSIOTHERAPY etc.
Physiotherapy etc.
Dental Treatment

15,000
3,000
E PERSONAL SAFETY
Crisis
Evacuation
Search and rescue
Unlimited
50,000
100,000
F medical negligence TREATMENT 1,000,000
G PRIVATE RESPONSIBILITY
Personal
Damage
10,000,000
5,000,000
H LEGAL AID ABROAD 100,000
In recalling
Travel
Unlimited
J Call OF SICKNESS AND ACCOMPANYING 2 people
K DELAYED appearance
Travel and subsistence expenses
Unlimited
L HOLIDAY housing 20,000
M THRESHOLD FOR RENTAL OF MOTOR VEHICLES 5000
N ERSTATNINGSBIL Before you go 25000
O repatriating OWN CAR Unlimited
P TRAVEL DOCUMENTS
Replenishment and transportation 2500
Q BAGGAGE DELAY
Baggage Delay per. days / total 1.000/3.000
R HOLIDAY COMPENSATION
Economic damages
Unlimited
S PERSONAL PROPERTY / LUGGAGE (may acquisitions)
Theft, etc.


Coverage of the excess of insurance

max per 8000. pers / year
max per 16,000. fam. / year

3,000
T ACCIDENT (may acquisitions)
By disability
By death
By tooth damage
By assaults
200,000
100,000
10,000
200,000

COMMON CONDITIONS
In addition to the conditions that exist for individual coverage, you should also pay attention to our common conditions. In common terms are general prerequisites for our coverage and they can be read in terms of insurance No 814

A DISEASE
Gouda cover if you during the journey will need medical treatment, medication (including the provision of HIV screening of blood), hospital stays, ambulance transport, etc. For travel in Europe will cover for sickness effect when your coverage under the yellow card ceases. Damage caused by the exercise of professional sports are not covered. Finally, specific rules for existing diseases.

B repatriation
Gouda cover, if deemed necessary during the journey home to transport you to Denmark. Are there at least 31 days of the trip and the insurance period, the insurance also covers the return trip.

C 24 HOUR medical help
You have access to medical service 24 hours a day, where you can get advice and guidance on medical treatment and medicine.

D DENTAL TREATMENT AND PHYSIOTHERAPY etc.
Gouda cover dental care in cases of acute toothache and medical treatment in public registered physiotherapist, chiropractor or other non-medical care provider.

E PERSONAL SAFETY
Crisis ensures that there will also be taken care of the trauma that can arise in the accident, acts of terrorism, war / warlike acts, hostage-takings or natural disasters. The insurance covers emergency psychological treatment on site. Are you taking your trip exposed to acts of terrorism, kidnapping or involuntary involvement in acts of war, covering Gouda also (a limited number of) psychological treatments following the return to Denmark. Finally, Gouda crisis staff telephone support for your dependents.

Evacuation ensures that you can get away from a country / region where the Foreign Ministry due to war / warlike conditions, natural disasters or terrorism, or Statens Seruminstitut due to a fatal epidemic recommend evacuation. Gouda entrepreneur alone or together with the Ministry of Foreign Affairs of the evacuation and to pay cost.

Search and rescue guarantee you if you on your journey will be sought. Several countries now require payment for searches, and therefore Gouda in cooperation with the Foreign Ministry drafted a cover, which means that Gouda entrepreneur and pays for search and rescue, if necessary. Gouda will - where appropriate - working with the Foreign Ministry and its international network.

F medical negligence TREATMENT
Gouda covers permanent injury as a result of errors in a hospital abroad, which are covered by Gouda or public travel insurance.

G PRIVATE RESPONSIBILITY
The insurance covers if you during the trip, causing injury to third parties or his things, and you are known to be liable for this. Note that there are excesses on part of this coverage.

H LEGAL AID ABROAD
Are you taking the journey involved in a trial or detained abroad, we cover your costs.

In recalling
Gouda cover your travel expenses if you, for example. due to acute severe illness or death in the immediate family (grandparents, parents, children, grandchildren, siblings - including some pap relations) have to go home early.

J Call SICKNESS AND THE ACCOMPANYING
The insurance covers travel and living expenses if you are due to acute illness or injury would relatives called and / or want to travel companions will be with you under your bed rental.

K DELAYED appearance
If you are involuntary and unforeseeable too late for public transport, covering Gouda your additional travel expenses.

L HOLIDAY housing
Is your holiday home uninhabitable due to theft, water damage, fire, explosion, flood, earthquake or other natural disaster, Gouda helps you find a holiday home and pay your additional rental costs.

M THRESHOLD FOR RENTAL OF MOTOR VEHICLE
Have you hired a car abroad with insurance cover Gouda at your own risk an injury that are covered by hull insurance.

N ERSTATNINGSBIL Before you go
Is your car exposed to a hull damage, which means that the planned motoring holiday can not commence Gouda helps you hire of substitution car and cover your additional expenses.

O repatriating OWN CAR
Is it not possible to drive home in your own car, because of that you and all traveling passengers get interrupted your trip, covering Gouda repatriating your car.

P TRAVEL DOCUMENTS
If your travel documents, for example. passports, credit cards or airline tickets, stolen during the journey, covering Gouda expenditure necessary for reinstatement.

Q BAGGAGE DELAY
Baggage arriving more than five hours late, the coverage right substitution buy or replacement hiring.

R HOLIDAY COMPENSATION
Gouda covers holiday compensation on travel of less than one month's duration. Gouda pay compensation if the insured home is named, admitted to hospital or the home carried. Travel in a family (parents and children under 24), get the whole family financially - if everyone has signed cover for holiday compensation.
Gouda also covers the insured due to illness or injury can not achieve the intended principal activity of the journey. In this case, paid compensation to the victim.

S PERSONAL PROPERTY / LUGGAGE (may acquisitions)
Gouda provide compensation if you get stolen or damaged personal property, and if your luggage is damaged or lost as hold baggage. A single object is covered up to 50% of the insured. If the value of an object exceeds 50%, the full value will not be refunded. The insurance also covers the deductible on your insurance policy.

T ACCIDENT (may acquisitions)
Are you while traveling suffered an accident or an assault that results in a méngrad at least 15%, you're guaranteed a financial compensation. There shall be no liability under the section. G accident occurred under any kind of skiing.

NB! INSURANCE CONDITIONS FORM THE BASIS
This is a concise guide description of insurance coverage. In cases of injury from the insurance requirements No 814 to the ground. You'll find links to the policy conditions of your policy and you can read or download them here.