Learn about your insurance policy, what’s included in each location, and how to submit an insurance claim with Europæiske.
Overview of Europæiske ERV Health, Accident, Personal Liability Insurance
| Coverage | Sums insured: Swedish Krona (SEK) | Sums insured: Danish Kroner (DKK) |
| Medical expenses and repatriation | Unlimited | Unlimited |
| Pre-existing conditions | SEK 78,750 | DKK 63,000 |
| Psychological treatment | SEK 40,000 | DKK 31,500 |
| Curtailment | SEK 50,000 | DKK 40,000 |
| Medical escort and summoning | 1 person | 1 person |
| Personal accident: Bodily injury | SEK 625,000 | DKK 500,000 |
| Personal accident: Loss of life | SEK 312,500 | DKK 250,000 |
| Personal liability and property | ||
| Damage to property | SEK 6,250,000 | DKK 5,000,000 |
| Injury to persons | SEK 12,500,000 | DKK 10,000,000 |
| Legal aid | SEK 125,000 | DKK 100,000 |
| Contents of dwelling | SEK 312,500 | DKK 250,000 |
| Baggage | SEK 6,200 | DKK 5,000 |
| World Rescue® | ||
| Search and rescue | SEK 312,500 per insured SEK 625,000 per claim event | DKK 250,000 per insured DKK 500,000 per claim event |
| Natural disasters | Unlimited | Unlimited |
| Terrorism | Unlimited | Unlimited |
| War and warlike conditions | Unlimited | Unlimited |
| Life-threatening epidemics | Unlimited | Unlimited |
| Political unrest | Unlimited | Unlimited |
Your insurance does not cover the following:
Medical
- Replacement or repair of glasses, contact lenses, hearing aids, prostheses, or other facilities
- Birth control and routine prenatal care
- Vaccinations and regular check-ups
- Dental care
Property/liability
- Bills for cell phone usage when your phone is lost/stolen
- Theft from a dwelling where the doors and windows were not locked
- Replacement value for property older than two years old
- Claims for property damage by someone other than the insured student
Additional insurance needs
We encourage you to consider your individual insurance needs. Review Europæiske’s insurance (including any coverage mandated by your home university) and consider purchasing additional coverage if needed.
If you plan to travel outside the U.S. before and/or after your program, we recommend that you purchase additional travel insurance as Europæiske will not cover incidents outside of the program dates nor incidents in the U.S.
If you are participating in consecutive DIS programs and not returning to the U.S. in between, the insurance will cover you for the days between DIS programs. There will be no coverage between non-consecutive programs or while you are in the U.S.
How to file an insurance claim
Go to Europæiske’s online form.
When you select your claim type, the documents you need to file your claim will be highlighted in yellow at the bottom.
How to replace important items
Did you lose an important belonging, such as your passport, CPR card, or student ID?