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Coverage in case of accidents

If accidents occur, how will I and my family be covered during our posting abroad?

Here you will find information about companies that administer the MFA’s insurance schemes:

◾ collective personal accident insurance, Tryg Forsikring
◾ sickness and home transport insurance, SOS International A/S
◾ insurance for state employees travelling on official journeys, Europæiske Rejseforsikring A/S
◾ transport damage insurance (removal goods), Tryg Forsikring

In addition to the above, the MFA has doubled the sums in force at any time in the collective personal accident insurance for staff on postings in areas on the war and risk list of Europæiske Rejseforsikring. This list can only be accessed through the MFA’s Intranet.

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Collective personal accident insurance

Tryg Forsikring

Collective personal accident insurance was transferred to an administration scheme as of 1 April 2011 and is managed by Tryg Forsikring.

The scheme comprises automatically all staff posted abroad by the MFA on location allowance terms, accompanying spouse or spouse equivalent and accompanying children under 21 years of age. Spouses who do not have permanent residence at the place of posting are covered by the accident insurance during temporary stays at the staff member’s place of posting. The same applies to children under 21 years of age who continue to receive maintenance payments from the staff member.

The MFA has doubled the sums in force at any time in the collective personal accident insurance for staff on postings in areas on the war and risk list of Europæiske Rejseforsikring. This list can only be accessed through the MFA’s Intranet.

Sickness and home transport insurance

SOS International A/S

Posted staff and accompanying spouse/partner and accompanying children are covered by the MFA’s administration scheme for sickness and home transport. The agreement has been concluded with SOS International A/S and was revised most recently as of 1 January 2014 as a result of the implementation of the new location allowance scheme.

For staff and their families posted abroad after 1 January 2014, sickness expenditure can be refunded by 100 per cent.

For staff and their families posted abroad before 1 January, sickness expenditure can be refunded by 80 per cent. The MFA is aware that TRYG no longer offers the so-called 20 per cent supplementary insurance to staff in the service abroad outside of Europe. Posted staff who receive a letter terminating their 20 per cent sickness insurance from TRYG may contact HR/Udeteam with a view to joining a temporary scheme.

For all staff and their families posted abroad, access has been achieved to reimbursement of reasonable and necessary additional expenditure against documentation in connection with travel to receive treatment granted by SOS International, including expenses for air tickets, accommodation, meals and necessary local transport upon presentation of documentation for expenses.

Please find more detailed information here on how to contact SOS International A/S.

Insurance cards will be sent to you automatically in connection with your posting abroad. Please notice that you are covered irrespective of whether or not you receive the card.

Statens tjenesterejseforsikring (Danish government official travel insurance)

Europæiske Rejseforsikring A/S

Europæiske Rejseforsikring A/S is in charge of Danish government official travel insurance. Agreement on this is concluded by the Ministry of Finance on behalf of the entire state sector. The most recent agreement was concluded with effect from 1 January 2011 and will apply until 31 December 2015.

The Danish government official travel insurance also provides cover during the actual transfer journey and visit travel to the post abroad.

Europæiske’s Alarm Centre may be contacted by phone: +45 70 20 98 28. 

Europæiske’s Call Centre may be contacted by phone: +45 70 10 60 30. Opening hours Monday to Thursday:  08.30 - 16.30 and Friday: 08.30 - 16.00.

Through the MFA’s Intranet, it is possible to gain access to Europæiske Rejseforsikring’s Voyager Information Portal (VIP), which holds health and security-related information about approx. 170 countries.

Jewellery, decorations and other valuables made of precious metals must be carried personally during the transfer journey. The baggage insurance may be raised to a maximum of DKK 100,000 per person by contacting HR/Udeteam.

Transport damage insurance

Tryg Forsikring

Transport damage insurance was transferred to an administration scheme as of 1 April 2011 and is managed by Tryg Forsikring.

During the removal, the furniture/household effects are automatically covered by the scheme.

The administration scheme covers furniture/household effects that are transported at the Ministry’s expense at a value not exceeding DKK 1.5 million per shipment (excl. jewellery, decorations and other valuables made of precious metals that must be carried personally during the transfer journey).

Silver cutlery and other silverware must be handed over separately to the relocation services provider for packing. It is covered by the insurance provided a specification with a value indication is sent to Tryg Forsikring before the furniture/household effects are packed.

In case of damage during the relocation, both Tryg Forsikring – e-mail address: transportskade@tryg.dk
or phone: +45 44 20 37 98 – as well as the MFA’s relocation services provider must be notified immediately and in writing about the nature and scope of the damage.

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