How to File an Insurance Claim
Review the necessary steps below, should you find yourself in the situation of needing to cover medical expenses, curtailment, or theft/damaged property.
Medical Expenses
To complete a claim, use Europæiske’s online form. Select ‘illness or injury’ as the claim type. You need to provide the following documentation:
- A digital copy of the original receipt(s) from your doctor’s visit(s)/hospital visit(s) and/or prescriptions
Theft or Damage
To complete a claim, use Europæiske’s online form. Select ‘loss of/damage to property’ as the claim type. You need to provide the following documentation:
- A digital copy of either the original receipt, a bank/credit card statement, or some proof of purchase
- Documentation of the filed police report
- Police reports must be filed in the country of the incident. Not every country enables you to file a police report online, so be sure to look into a country’s specific rules should an incident occur
- Police reports for the loss or theft of identity documents (i.e. passport) must be filed in person at a local police station
- Remember to take a screenshot of the finished report. You will need to include this in the email with your insurance claim. You will not receive an email or mail confirmation from the police
NOTE: for a stolen bike, you’ll first need to contact the company you rented the bike from before filing your police report. You will most likely be asked to pay the value of the bike upfront, which is what you may then file an insurance claim for. The rental company will provide you with a receipt for the total expense of the bike. This receipt should state:
- The bike’s registration number
- The bike’s brand
NOTE: For claims within Sweden, you should file in person at a local police station. To find the closest station to you, refer to this list and type ‘Stockholm’ into the search box.
NOTE: For claims within Denmark, you can file online on Denmark’s police website. Remember to take a screenshot of the finished report. You will need to include this in the email with your insurance claim. You will not receive an email or mail confirmation from the police!
Curtailment
If you have expenses in connection with traveling home for a family emergency, you can file an insurance claim. To complete a claim, use Europæiske’s online form. Select ‘illness or injury’ as the claim type. You need to provide the following documentation:
- Documentation of serious illness or a copy of the death certificate
- Receipts documenting your travel expenses
FAQ
Q/ I need a loan to replace stolen items. Can DIS help me?
A/ In both Stockholm and Copenhagen, you can receive an interest-free loan. In Stockholm, stop by the Student Hub or email studenthub@disstockholm.se. In Copenhagen, stop by the Student Hub or email studenthub@dis.dk.
Q/ How long will it take to process a claim?
A/ It generally takes four to six weeks to review a claim. You will be informed by email regarding the status of your claim as soon as it has been processed.
Q/ What if I am back in the U.S. after my claim is approved?
A/ DIS will email you to confirm where you would like the money sent, then send you a check in U.S. dollars or wire the money to your bank account.
Q/ Can I file my claim once I’m back in the U.S.?
A/Yes, as long as the incident happened while you were a student at DIS, the claim can still be filed once you return to the U.S.
Q/ Can I file the insurance claim in person?
A/ No, all insurance claims are submitted via the online portal.
Q/ Do I need proof of purchase?
A/ Yes, proof of purchase must be provided for every item you wish to claim for reimbursement. A picture of an emailed receipt, a physical receipt, or a picture of a line in a bank statement are considered sufficient.
Q/ What if I damage something that belongs to someone else?
A/Ask them to submit the claim to their own insurance. If their insurance doesn’t cover the full cost or rejects the claim, ask them to provide you with this documentation to submit following the processes outlined for property claims above. The insurance company cannot accept insurance claims from someone other than the insured student.