Health, safety, and support

Insurance information

Learn about your insurance policy, what’s included in each location, and how to submit an insurance claim with Europæiske.

How it works

All semester students at both DIS Stockholm and DIS Copenhagen will have comprehensive health, accident, and personal liability insurance from the Europæiske ERV Insurance Company.

DIS Copenhagen only: Semester students will gain access to the Danish National Health System after approximately six weeks.

Whether you will study in Stockholm, Copenhagen, or both during your summer sessions, all DIS Summer students have comprehensive health, accident, and personal liability insurance from the Europæiske ERV Insurance Company.

Insurance information, Summer students

Overview of Europæiske ERV Health, Accident, Personal Liability Insurance

Read through your insurance policy.

CoverageSums insured: Swedish Krona (SEK)Sums insured: Danish Kroner (DKK)
Medical expenses and repatriationUnlimitedUnlimited
Pre-existing conditionsSEK 78,750DKK 63,000
Psychological treatmentSEK 40,000DKK 31,500
CurtailmentSEK 50,000DKK 40,000
Medical escort and summoning1 person1 person
Personal accident: Bodily injurySEK 625,000DKK 500,000
Personal accident: Loss of lifeSEK 312,500DKK 250,000
Personal liability and property
Damage to propertySEK 6,250,000DKK 5,000,000
Injury to personsSEK 12,500,000DKK 10,000,000
Legal aidSEK 125,000DKK 100,000
Contents of dwellingSEK 312,500DKK 250,000
BaggageSEK 6,200DKK 5,000
World Rescue®
Search and rescueSEK 312,500 per insured
SEK 625,000 per claim event
DKK 250,000 per insured
DKK 500,000 per claim event
Natural disastersUnlimitedUnlimited
TerrorismUnlimitedUnlimited
War and warlike conditionsUnlimitedUnlimited
Life-threatening epidemicsUnlimitedUnlimited
Political unrestUnlimitedUnlimited

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?

Fill out our online form.

Your questions, answered